资产配置

如果你住在或去过大城市, you’ve probably run into street vendors – people who sell everything from hot dogs to umbrellas – on the streets and sidewalks. Many of these entrepreneurs sell completely unrelated products, such as coffee and ice cream.

At first glance, this approach seems a bit odd, but it turns out to be quite clever. When the weather is cold, it’s easier to sell hot cups of coffee. 天气热的时候，冰淇淋更容易卖. By selling both, vendors reduce the risk of losing money on any given day.

资产配置

Asset allocation applies this same concept to managing investment risk. 在这种方法下, investors divide their money among different asset classes, 比如股票, 债券, 现金替代品, 比如货币市场账户. These asset classes have different risk profiles and potential returns.¹

The idea behind asset allocation is to offset any losses from one class with gains in another, 因此, 降低投资组合的整体风险. It’s important to remember that asset allocation is an approach to help manage investment risk. 它不保证不发生投资损失.²

确定最合适的混合

The most appropriate asset allocation will depend on an individual’s situation. Among other considerations, it may be determined by two broad factors.

1. Time. Investors with longer timeframes may be comfortable with investments that offer higher potential returns, 但也会带来更高的风险. A longer timeframe may allow individuals to ride out the market’s ups and downs. An investor with a shorter timeframe may need to consider market volatility when evaluating various investment choices.
2. 风险承受能力. An investor with higher risk tolerance may be more willing to accept greater market volatility in the pursuit of potential returns. An investor with a lower risk tolerance may be willing to forgo some potential return in favor of investments that attempt to limit price swings.

Asset allocation is a critical building block of investment portfolio creation. Having a strong knowledge of the concept may help you when considering which investments may be appropriate for your long-term strategy.

1. The return and principal value of stock prices will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost. The market value of a bond will fluctuate with changes in interest rates. 随着利率的上升，现有债券的价值通常会下降. 如果投资者在到期前出售债券, it may be worth more or less than the initial purchase price. By holding a bond to maturity investors will receive the interest payments due plus their original principal, 禁止发行人违约. 钱 market funds seek to preserve the value of your investment at $1.00美元一股. 钱 held in money market funds is not insured or guaranteed by the FDIC or any other government agency. It’s possible to lose money by investing in a money market fund. 共同基金按招股说明书出售. 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. 在你投资或汇款之前仔细阅读它.
2. 投资s seeking to achieve higher potential returns also involve a higher degree of risk. 过去的表现不能保证未来的结果. 实际结果会有所不同.

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