分散AG捕鱼王新版app下载
Ancient Chinese merchants were said to have developed a unique way to manage their risk. They would divide their shipments among several different vessels. 这种方式, 如果一艘船沉没或被海盗袭击, 其余的人很有可能通过. 这样，大部分货物就可以节省下来.
Your investment portfolio may benefit from that same logic.
Diversification is an investment principle designed to manage risk. However, diversification does not guarantee against a loss. The key to diversification is to identify investments that may perform differently under various market conditions.
On one level, a diversified portfolio should be diversified 之间的 asset classes, such as stocks, bonds, and cash alternatives. 在另一个层面上, a diversified portfolio also should be diversified within asset classes, 比如多样化的一篮子股票.
多样化的方法
例如, let’s say a stock portfolio included a computer company, 软件开发人员, 还是一家互联网服务提供商. Although the portfolio has spread its risk among three companies, 它可能被认为不是很分散, as all the firms are connected to the technology industry. 包括一家电脑公司的AG捕鱼王新版app下载组合, 药品制造商, 还有一家石油服务公司, 然而, 可以考虑更多样化.
Similarly, a bond portfolio that invests exclusively in long-term U.S. 美国国债的多样化可能有限. A bond fund that invests in short-term and long-term U.S. Treasuries, plus a variety of corporate bonds, may offer more diversification.
共同基金和etf
The concept of diversification is one reason why mutual funds and Exchange Traded Funds (ETFs) are so popular among investors. Mutual funds accumulate a pool of money that is invested to pursue the objectives stated in the fund’s prospectus. 该基金的目标可能很狭隘, 比如汽车行业, 或者它可能有一个更广泛的目标, 比如大盘股. ETFs also can have a narrow or broader investment objective. Keep in mind, though, the more narrow an investment objective, the more limited the diversification. 此外, a narrow investment objective may result in more volatility and additional risks associated with a particular industry or sector.
The concept of diversification is critical to understand when you are evaluating a portfolio. If you want more information on diversification or have questions about how your money is invested, 请打电话给我们了解您的情况.
Mutual funds and exchange-traded funds are sold only by prospectus. 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AG捕鱼王新版app下载或汇款之前仔细阅读它. Shares, when redeemed, may be worth more or less than their original cost.
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