个人理财，一定要懂得多样化.docxVIP

个人理财，一定要懂得多样化 个人理财是指客户根据自身生涯规划、财务状况和风险属性，制定理财目标和理财规划，执行理财规划，实现理财目标。那怎你对个人理财有什么规划了?下面是小编为您收集整理的个人理财，一定要懂得多样化，供大家参考! 个人理财，一定要懂得多样化 Diversify, Especially If You Dont Know What You Are Doing! 一定要保持多样化，尤其是在你不知道自己在做什么时! In the words of famed e conomist John Maynard Keynes, diversification is insurance against ignorance. 著名经济学家John Maynard Keynes说过多样化是战胜无知的保证。 He believed that risk could actually be reduced by holding fewer investments and getting to know them extraordinarily well. 他相信少做几种投资并且非常了解这些投资真的能降低风险。 Of course, the man was one of the most brilliant financial minds of the past century so this philosophy isn’t sound policy for most investors, especially if they can’t analyze financial statements or don’t know the difference between the Dow Jones Industrial Average and a Dodo. 当然他是过去一个世纪中最杰出的金融人才之一，所以这种说法对于大多数投资者来说听起来并不是明智的选择，尤其是有些人并不能分析财务报表或不知道道琼斯工业平均指数和Dodo之间差别。 These days, widespread diversification can be had at a fraction of the cost of what was possible even a few decades ago. With index funds, mutual funds, and dividend reinvestment programs, the frictional expenses of owning shares in hundreds of different companies have largely been eliminated or, at the very least, substantially reduced. 现在即使只赚到几十年前能赚到的钱数你就能利用日益普遍的多样化的方法。随着指数基金、共同基金和股息再投资计划的兴起，拥有数百家不同公司股份的摩擦费用已经被大大消除了，或者至少大幅下降了。 This can help protect you against permanent loss by spreading your assets out over enough companies that if one or even a few of them go belly-up, you won’t be harmed. 这可以保护你免受不可逆的损失，把你的资产分散到足够多的公司中，如果其中一家甚至几家公司破产，你也不会遭受损失。 In fact, due to a phenomenon is known as the mathematics of diversification, it will probably result in higher overall compounding returns on a risk-adjusted basis. 其实由于多样化数学现象的存在，很有可能会在风险调整的基础上产生更高的综合复利。 One thing you want to watch for is correlation. Specifically, you want to look for uncorrelated risks so that your holdings are constantly offsetting each other to even out economic and business cy