表现最佳的资产类别
According to Yale University's Crash Confidence Index, only about 24% of investors are confident the 股票市场 will not crash sometime during the next six months.1
If fear leads investors to avoid the entire investment class, they may limit their potential returns. 例如, for most of the 10-year period between 2012 and 2022, stocks outperformed both cash and the 10-year treasury. Cash pulled ahead twice, once in 2018 and again in 2022. The 10-year treasury pulled ahead only once, in 2015.2
但股市是不稳定的. 2月12日, 2020, 3月23日, 2020, the Dow lost 37% of its value due to the onset of the COVID-19 pandemic. 幸运的是, 复苏很快, 到2020年11月, US markets had returned to their pre-pandemic highs.3
If the impulse to be safe keeps investors out of the 股票市场, it may also keep them from taking advantage of the potential returns the 股票市场 has to offer.
A sound investing strategy considers short-term volatility without losing sight of long-term objectives.
A sound strategy can involve diversifying capital between different classes of investments. That way, under-performance in one type of asset may be offset by the performance of another.
记住, 虽然, that diversification and asset allocation are approaches to help manage investment risk. They do not eliminate the risk of loss if a security price declines. The asset class that performs best one year may not do so the next. Diversifying your holdings among several different investment types and understanding that asset classes can move in and out of favor may help you manage the risk in your investment portfolio.
改变领导
The asset class that performs best one year doesn’t necessarily do so the next.2
1. 耶鲁大学，2022年
2. PortfolioVisualizer 2022. Cash is represented by 3-month Treasury Bills. 10-Year Treasury Bond is represented by data from the Federal Reserve Economic Data. Stocks are represented by the Vanguard Total Stock Market Index Fund, which is an unmanaged fund that is generally considered representative of the U.S. 股票市场. Index performance is not indicative of past performance of a particular investment. Past performance does not guarantee future results. Individuals cannot invest directly in an index. The 2022 asset numbers are as of October 31, 2022. 共同基金只根据招股说明书出售. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.
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