Am votbit cu Laurențiu la Banii Vorbesc,despre adevarata intrebare la asset allocation „cât investesc în fiecare clasa de active, tinand cint de [conditiile mele]".
Vezi pe youtube, diseara de la 19:00:
- cum arată portofoliul meu și de ce am ales strategia Barbell (80% ETF-uri, 20% pariuri asimetrice)
- de ce nu cred în imobiliarele clasice
- acțiuni vs. ETF-uri, cash flow vs. profit, ce caut la companiile cu dividende
- obligațiuni corporative în România: oportunitate sau țeapă?
- cum investești la 25, la 35 sau la 45 de ani
- cum gândește investițiile un antreprenor care are deja o mare parte din avere în propriul business
- greșelile mele de început și capcanele mentale care ne sabotează randamentele
Dacă vrei un episod practic despre construirea unui portofoliu care are sens pentru obiectivele tale, gasesti link in bio/comments.
#investitii #antreprenor #ETF #assetallocation #BaniiVorbesc
Vezi pe youtube, diseara de la 19:00:
- cum arată portofoliul meu și de ce am ales strategia Barbell (80% ETF-uri, 20% pariuri asimetrice)
- de ce nu cred în imobiliarele clasice
- acțiuni vs. ETF-uri, cash flow vs. profit, ce caut la companiile cu dividende
- obligațiuni corporative în România: oportunitate sau țeapă?
- cum investești la 25, la 35 sau la 45 de ani
- cum gândește investițiile un antreprenor care are deja o mare parte din avere în propriul business
- greșelile mele de început și capcanele mentale care ne sabotează randamentele
Dacă vrei un episod practic despre construirea unui portofoliu care are sens pentru obiectivele tale, gasesti link in bio/comments.
#investitii #antreprenor #ETF #assetallocation #BaniiVorbesc
18
Your asset allocation isn’t set-and-forget. It evolves with your life 👇
Asset allocation is how your money is divided between different types of investments, mainly growth assets like equities and more stable assets like bonds.
The fundamentals:
📈 Equities have historically offered higher potential growth, but with bigger swings along the way
🛡️ Bonds have historically been less volatile, but with lower potential returns
⏳ Your time horizon is key. The longer until you need the money, the more time you have to ride out downturns
🧠 Risk capacity (what you can afford to lose) and risk tolerance (what you can stomach) are not the same thing
Why it changes with age:
Earlier in life, you have more time to recover from falls in the market. As you get closer to needing the money, a big drop matters more, so many people gradually shift towards lower-risk assets. This is often called a “glide path”.
There’s no universal split. It depends on your goals, timeline, circumstances and how you’d react to a 30% fall.
Save this and send it to someone who’s never thought about their allocation, follow @michelle.huangyy for more financial education.
⚠️This is general education, not personal advice or a recommendation. Capital at risk. The value of investments can go down as well as up, and you may get back less than you invest. Past performance isn’t a guide to future returns.
#investingmadesimple #assetallocation #etfinvesting #personalfinanceuk #investingforbeginners
Asset allocation is how your money is divided between different types of investments, mainly growth assets like equities and more stable assets like bonds.
The fundamentals:
📈 Equities have historically offered higher potential growth, but with bigger swings along the way
🛡️ Bonds have historically been less volatile, but with lower potential returns
⏳ Your time horizon is key. The longer until you need the money, the more time you have to ride out downturns
🧠 Risk capacity (what you can afford to lose) and risk tolerance (what you can stomach) are not the same thing
Why it changes with age:
Earlier in life, you have more time to recover from falls in the market. As you get closer to needing the money, a big drop matters more, so many people gradually shift towards lower-risk assets. This is often called a “glide path”.
There’s no universal split. It depends on your goals, timeline, circumstances and how you’d react to a 30% fall.
Save this and send it to someone who’s never thought about their allocation, follow @michelle.huangyy for more financial education.
⚠️This is general education, not personal advice or a recommendation. Capital at risk. The value of investments can go down as well as up, and you may get back less than you invest. Past performance isn’t a guide to future returns.
#investingmadesimple #assetallocation #etfinvesting #personalfinanceuk #investingforbeginners
130
Hai raggiunto la fine 🎉