Investors Trading Academy---Asset Allocation资产配置

Investors Trading Academy---Asset Allocation资产配置
發佈日期：2015年9月28日
Welcome to the Investors Trading Academy talking glossary of financial terms and events.
Our word of the day is “Asset Allocation”
In the most basic sense, asset allocation is simply how one's assets are divided among different asset classes, such as cash, stocks, bonds, real estate, and so on -- even insurance investments, commodities, collectibles, and other categories count.
But the term also refers to an investment strategy -- one that can reduce risk through diversification. Clearly, having all your money in any one asset class can be risky. In 2008, the S&P 500 plunged 37 percent. If you'd held all your assets in an S&P 500 index fund, your net worth would have taken a big hit that year.
Simply put, strategic asset allocation involves taking your money and dividing it up into several pieces, which you then allocate across different types of assets. Once you've decided on how much of your money will go into each broad asset category, you then drill down and choose individual investments that fit into those categories. The first step requires two decisions. First, you need to decide what sorts of assets you want to include in your portfolio. Traditionally, asset allocation strategies usually stuck with three major asset classes: stocks, bonds, and cash. But recently, the availability of alternative investment classes like real estate, commodities, and specialized investments in private equity and hedge funds led to many investors broadening their asset allocations to include more complex combinations of assets.
After you decide which assets to include, you must then choose how much of your money to allocate to each asset class.
By Barry Norman, Investors Trading Academy
欢迎来到财务条款和事件的投资者交易学院讲词汇。
我们当天的词是“资产配置”
从最基本的意义上，资产配置仅仅是一个人的资产是如何不同的资产类别，如现金，股票，债券，房地产等瓜分 - 甚至是保险的投资，大宗商品，收藏品等大类统计。
但是，这个词也指的是投资策略 - 一个可以通过多样化降低风险。
显然，有任何一类资产所有的钱，是有风险的。在2008年，标准普尔500指数下跌37％。如果您想在标普500指数基金持有所有资产，你的净资产将采取一个巨大的成功的一年。
简单地说，战略资产配置涉及到把你的钱，并将其分割成几个部分，通过它来跨越不同类型的资产分配。一旦你决定多少你的钱将进入每一个广泛的资产类别，你再深入并选择适合到这些类别的个人投资。
第一步需要两个决定。首先，你需要决定你想要什么类型的资产在你的投资组合包括。传统上，资产配置策略通常坚持与三大资产类别：股票，债券和现金。但最近，另类投资类，如房地产，大宗商品，并在私募股权和对冲基金的专业投资的可用性导致许多投资者扩大其资产配置，包括资产的更复杂的组合。
当你决定要包括哪些资产，则必须选择多少你的钱分配给各资产类别。
巴里·诺曼，投资者交易学院