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第 6 课 / 共 10 课4:003 出处

分散投资与构建投资组合

视频即将上线

主讲：Nour阿拉伯语讲解，配有字幕。更多语言即将推出。

教育内容，不构成投资建议。Nour 讲解市场如何运作，从不告诉你该买什么或卖什么。

本课的完整中文翻译即将上线，你现在看到的是英文版。

Diversification means holding assets that behave differently, not just many similar ones.

  • SEC: spreading money among different investments to reduce risk is diversification; asset classes historically haven't moved together.
  • Stocks: highest risk and return; bonds: less volatile, more modest; cash: safest but inflation risk.
  • Teaching example: $10,000 at 60/30/10. After stocks rise 20%, stocks are ~64%; rebalancing sells $480 of stocks and adds $360 and $120.
  • Rebalance on a schedule (every 6 or 12 months) or when weights drift by a preset amount.

快速自测

三道题。选一个答案，查看原因。

0/3

  1. 1.Which portfolio is genuinely diversified?

  2. 2.A 60/30/10 portfolio of $10,000: stocks rise 20%, others unchanged. Stock weight is now about…

  3. 3.According to the SEC guide, what is rebalancing?

出处

本课中的每个事实都有以下出处支撑。

  1. 1.SEC/Investor.gov – Beginners' Guide to Asset Allocation, Diversification, and RebalancingDefinitions of diversification, asset allocation, rebalancing; asset classes historically not moving together; stocks/bonds/cash risk-return; inflation risk of cash; three ways to rebalance; every 6 or 12 months or by preset percentage
  2. 2.Investor.gov – Investor Bulletin: Index FundsAn index fund tracks a basket of many securities (diversification within an asset class)
  3. 3.Investor.gov – Investor Bulletin: How Fees and Expenses Affect Your Investment PortfolioTransaction fees are charged per trade — a reason not to rebalance too often

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