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What is an Investment Portfolio?
What is an Investment Portfolio?
Key takeaways
An investment portfolio is about diversified investment strategies.
Diversified portfolios can better weather ups and downs in the markets.
Risk tolerance is the priority concern while creating a personalized investment portfolio.
Understanding an investment portfolio
When you start to learn investing, you've probably heard a saying— "Don't put all your eggs in one basket. "
Broadly speaking, it's the simplest explanation to investment portfolios.
To be more accurate, an investment portfolio refers to a basket of assets, which may consist of such assets categories as cash, gold, stocks, options, bonds, funds, commodities, etc.
The underlying reason for portfolio investment is to maximize returns while minimizing risks. When building your own portfolio, you are diversifying the investment. The diversification can take place across different asset categories as well as within a certain category.
Features
Diversified
Investment portfolios are a collection of assets, which is a display of diversified allocation. Diversification means distributing your capitals into different investments, which is a common risk management strategy. Securities, gold, bonds, businesses, real estates…are frequently chosen by investors.
Hedging
A diversified portfolio tends to be less closely correlated across asset classes. For example, when the stock market endures huge volatility, gold prices usually go higer driven by investors' hedging demand. If there is a portion of gold in your portfolio, loss in stock markets could be partly mitigated.
Personalized
A healthy investment portfolio could help you ride out ups and downs of markets. However, building an investment portfolio should be based on your own considerations. Risk tolerance and time horizon are main concerns, which means how much loss you could bear and your expectation for return cycle if your portfolio doesn't perform well while the broad market is on a downward trend.
Investment portfolios come in various types corresponding to their investing strategies. For example, if you are reserving fund for your children's education, you couldn't take too much risks, so a conservative portfolio is a better choice for you. If you have abundant extra money and have a strong risk tolerance, you may prefer constructing an aggressive strategy to seek greater gains.
Example
Specifically, suppose you have a $1,000investment fund. You might spend $500 on buying stocks, such as Apple, Costco, Nvidia, from different sectors. Furthermore, you are positive about electric vehicle industry for it seems like a disruptive business with huge potential.
However, you are not familiar with the industry chain, only knowing that Tesla is a game-changer. You could purchase $200 sector ETFs to grap the momentum. You also put $100 in government bonds which are closely related to inflation and interest rates. Besides, you set $200 aside to wait for a chance to buy at the bottom. In this case, your investment portfolio consists of stocks (50%), funds (20%), bonds (10%) and cash (20%).
For more investment knowledge and trends, welcome to Courses on the Community.
Key takeaways
主要外卖
An investment portfolio is about diversified investment strategies.
Diversified portfolios can better weather ups and downs in the markets.
Risk tolerance is the priority concern while creating a personalized investment portfolio.
投资组合是关于多元化投资策略的。
多样化的投资组合可以更好地经受住市场的起伏。
风险承受能力是创建个性化投资组合的首要考虑因素。
Understanding an investment portfolio
了解投资组合
When you start to learn investing, you've probably heard a saying— "Don't put all your eggs in one basket. "
当你开始学习投资时,你可能听过这样一句话--“不要孤注一掷。”
Broadly speaking, it's the simplest explanation to investment portfolios.
一般说来,这是对投资组合最简单的解释。
To be more accurate, an investment portfolio refers to a basket of assets, which may consist of such assets categories as cash, gold, stocks, options, bonds, funds, commodities, etc.
更准确地说,投资组合是指一篮子资产,可能包括现金、黄金、股票、期权、债券、基金、大宗商品等资产类别。
The underlying reason for portfolio investment is to maximize returns while minimizing risks. When building your own portfolio, you are diversifying the investment. The diversification can take place across different asset categories as well as within a certain category.
投资组合的根本原因是在最大化收益的同时将风险降至最低。在建立自己的投资组合时,你是在分散投资。多元化可以跨不同的资产类别进行,也可以在特定类别内进行。
Features
功能
Diversified
多样化
Investment portfolios are a collection of assets, which is a display of diversified allocation. Diversification means distributing your capitals into different investments, which is a common risk management strategy. Securities, gold, bonds, businesses, real estates…are frequently chosen by investors.
投资组合是资产的集合,是多元化配置的展示。分散投资意味着将你的资本分配到不同的投资中,这是一种常见的风险管理策略。证券、黄金、债券、企业、房地产…经常被投资者选择。
Hedging
套期
A diversified portfolio tends to be less closely correlated across asset classes. For example, when the stock market endures huge volatility, gold prices usually go higer driven by investors' hedging demand. If there is a portion of gold in your portfolio, loss in stock markets could be partly mitigated.
多样化的投资组合往往不那么紧密地与不同的资产类别相关。例如,当股市经历巨大波动时,金价通常会在投资者对冲需求的推动下走高。如果你的投资组合中有一部分黄金,股市的损失可能会得到部分缓解。
Personalized
个性化
A healthy investment portfolio could help you ride out ups and downs of markets. However, building an investment portfolio should be based on your own considerations. Risk tolerance and time horizon are main concerns, which means how much loss you could bear and your expectation for return cycle if your portfolio doesn't perform well while the broad market is on a downward trend.
一个健康的投资组合可以帮助你安然度过市场的起伏。然而,建立投资组合应该基于你自己的考虑。风险容忍度和时间跨度是主要的关注点,这意味着如果你的投资组合表现不佳,而大盘处于下跌趋势,你可以承受多少损失,以及你对回报周期的预期。
Investment portfolios come in various types corresponding to their investing strategies. For example, if you are reserving fund for your children's education, you couldn't take too much risks, so a conservative portfolio is a better choice for you. If you have abundant extra money and have a strong risk tolerance, you may prefer constructing an aggressive strategy to seek greater gains.
根据投资策略的不同,投资组合有不同的类型。例如,如果你为孩子的教育预留资金,你就不能冒太大的风险,所以保守的投资组合对你来说是更好的选择。如果你有充裕的额外资金,并有很强的风险承受能力,你可能更喜欢构建一个积极进取的策略,以寻求更大的收益。
Example
示例
Specifically, suppose you have a $1,000investment fund. You might spend $500 on buying stocks, such as Apple, Costco, Nvidia, from different sectors. Furthermore, you are positive about electric vehicle industry for it seems like a disruptive business with huge potential.
具体地说,假设你有一只1000美元的投资基金。你可能会花500美元从不同的行业买入苹果(Apple)、好市多(Costco)、英伟达(Nvidia)等股票。此外,您对电动汽车行业持积极态度,因为它似乎是一个具有巨大潜力的颠覆性行业。
However, you are not familiar with the industry chain, only knowing that Tesla is a game-changer. You could purchase $200 sector ETFs to grap the momentum. You also put $100 in government bonds which are closely related to inflation and interest rates. Besides, you set $200 aside to wait for a chance to buy at the bottom. In this case, your investment portfolio consists of stocks (50%), funds (20%), bonds (10%) and cash (20%).
然而,你并不熟悉产业链,只知道特斯拉是游戏规则的改变者。你可以购买200美元的行业ETF来抓住这一势头。你还投资了100美元的政府债券,这些债券与通胀和利率密切相关。此外,你还留出了200美元,等待底部买入的机会。在这种情况下,你的投资组合包括股票(50%)、基金(20%)、债券(10%)和现金(20%)。
For more investment knowledge and trends, welcome to Courses on the Community.
欲了解更多投资知识和趋势,欢迎访问课程关于社区。
moomoo是Moomoo Technologies Inc.公司提供的金融信息和交易应用程序。
在美国,moomoo上的投资产品和服务由Moomoo Financial Inc.提供,一家受美国证券交易委员会(SEC)监管的持牌主体。 Moomoo Financial Inc.是金融业监管局(FINRA)和证券投资者保护公司(SIPC)的成员。
在新加坡,moomoo上的投资产品和服务是通过Moomoo Financial Singapore Pte. Ltd.提供,该公司受新加坡金融管理局(MAS)监管(牌照号码︰CMS101000) ,持有资本市场服务牌照 (CMS) ,持有财务顾问豁免(Exempt Financial Adviser)资质。本内容未经新加坡金融管理局的审查。
在澳大利亚,moomoo上的金融产品和服务是通过Futu Securities (Australia) Ltd提供,该公司是受澳大利亚证券和投资委员会(ASIC)监管的澳大利亚金融服务许可机构(AFSL No. 224663)。请阅读并理解我们的《金融服务指南》、《条款与条件》、《隐私政策》和其他披露文件,这些文件可在我们的网站 https://www.moomoo.com/au中获取。
在加拿大,通过moomoo应用提供的仅限订单执行的券商服务由Moomoo Financial Canada Inc.提供,并受加拿大投资监管机构(CIRO)监管。
在马来西亚,moomoo上的投资产品和服务是通过Moomoo Securities Malaysia Sdn. Bhd. 提供,该公司受马来西亚证券监督委员会(SC)监管(牌照号码︰eCMSL/A0397/2024) ,持有资本市场服务牌照 (CMSL) 。本内容未经马来西亚证券监督委员会的审查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd., Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc.,和Moomoo Securities Malaysia Sdn. Bhd.是关联公司。
风险及免责提示
moomoo是Moomoo Technologies Inc.公司提供的金融信息和交易应用程序。
在美国,moomoo上的投资产品和服务由Moomoo Financial Inc.提供,一家受美国证券交易委员会(SEC)监管的持牌主体。 Moomoo Financial Inc.是金融业监管局(FINRA)和证券投资者保护公司(SIPC)的成员。
在新加坡,moomoo上的投资产品和服务是通过Moomoo Financial Singapore Pte. Ltd.提供,该公司受新加坡金融管理局(MAS)监管(牌照号码︰CMS101000) ,持有资本市场服务牌照 (CMS) ,持有财务顾问豁免(Exempt Financial Adviser)资质。本内容未经新加坡金融管理局的审查。
在澳大利亚,moomoo上的金融产品和服务是通过Futu Securities (Australia) Ltd提供,该公司是受澳大利亚证券和投资委员会(ASIC)监管的澳大利亚金融服务许可机构(AFSL No. 224663)。请阅读并理解我们的《金融服务指南》、《条款与条件》、《隐私政策》和其他披露文件,这些文件可在我们的网站 https://www.moomoo.com/au中获取。
在加拿大,通过moomoo应用提供的仅限订单执行的券商服务由Moomoo Financial Canada Inc.提供,并受加拿大投资监管机构(CIRO)监管。
在马来西亚,moomoo上的投资产品和服务是通过Moomoo Securities Malaysia Sdn. Bhd. 提供,该公司受马来西亚证券监督委员会(SC)监管(牌照号码︰eCMSL/A0397/2024) ,持有资本市场服务牌照 (CMSL) 。本内容未经马来西亚证券监督委员会的审查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd., Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc.,和Moomoo Securities Malaysia Sdn. Bhd.是关联公司。