How is an investment portfolio tailored to your needs

February 25, 08 by Mark75

[AUTOMATIC TRANSLATION - SEE NOTE]

I hear many people complaining they have lost big money in recent months that the stock has gone wrong. Very often, this result is the result of a number of factors, including underestimation or misinterpretation of risk inherent in investing in shares or funds . And often there is connected a wrong composition of investment portfolios, which then is worth to do some reasoning.

First, the “zero rule” the portfolio must be a portfolio , that contain different investments, be at least mixed, otherwise you will be exposed to extreme volatility and specific factors. Let this effect of self-quote me: what is really scandalous of scandals such as Parmalat, is not whether and how banks have sold shares in a company that thought could be in trouble, but that that have left many people invest a significant portion of their savings in a single action .

Then the portfolio must reflect the risk that you wish to sit . For example, imagine three “models” indicative portfolio:

Portfolio “conservative” < br />

15% – Shares (or funds) Eurozone corporations
0% – Shares (or funds), euro area small businesses
5% – Actions (or Funds) External
50% – Fixed Income (eg Treasury bills and Bonds )
30% – Liquidity ( account and accounts deposit )

Portfolio “moderate risk”

35% – Shares (or funds) large euro area firms
10% – Shares (or funds), euro area small businesses
15% – Shares (or funds) External
35% – Fixed Income (eg Treasury bills and Bonds )
5% – Liquidity ( account deposit accounts )

Portfolio” aggressive “

< br />

50% – Shares (or funds) large euro area firms
20% – Shares (or funds), euro area small businesses
25% – Shares (or funds) External
0% – Fixed Income (eg Treasury bills and Bonds )
5% – Liquidity ( account and accounts deposit )

Obviously, this is an indicative division, the portfolios should be analyzed a bit ‘deeper (for example, that share is devoted to investment markets ” Emerging, or whether it makes sense to invest in BOT as many accounts Current facilities that make PCT more ), but even so may be useful to see if your investments meet your risk profile.

But it is important to make a point, which is a source often to errors (which then cost much): The investment portfolio is not “capital portfolio. In other words, 100% is not all our capital, but only the part we choose dedicated investment . Which might be taken “out” from the portfolio, the money used for expenses such as “current” or the planned expenditures (ie house, car), and invested an appropriate time frame . Otherwise, there is an investment portfolio that has a much higher risk than you are willing to pay: hence the nasty surprises that we mentioned at the beginning.

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Come si compone un portafoglio investimenti adeguato alle proprie esigenze

Anonymous Says: 25.02.08 at %I:%M %p

Scusami l’OT, ma ho notato che IWPower adesso dà un rendimento annuo inferiore per una durata maggiore dell’investimento. In numeri: IWPower30 3,14 %, IWPower90 3,09 %, e IWPower 3,04 % (su base 365 gg). Mi sembra assurdo!

mark75 Says: 25.02.08 at %I:%M %p

Scusato :-)
Non è la prima volta che succede: ne avevamo parlato anche nel post IWPower a 180 giorni rende meno di quello a 30?
Dovrebbe dipendere dalle diverse aste dei BOT, cui IWPower si appoggia.

alberto Says: 25.02.08 at %I:%M %p

ottimi questi post sul “come” si investe; tra i prodotti a reddito fisso, esistono anche le polizze assicurative (di puro accantonamento) che solitamente offrono rendimenti minimi garantiti (e il consolidamento degli utili).

I 10 errori più comuni negli investimenti | Banche, Risparmio, Investimenti e Trading Says: 08.10.09 at %I:%M %p

[...] ma “diversificazione” non è solo un agglomerato di investimenti diversi, ma un insieme organico e ragionato per raggiungere, nel suo complesso, gli obiettivi che ci si è [...]

Tony Says: 04.05.10 at %I:%M %p

Vorrei chiedere al cortese estensore di questo articolo quali variazioni, qualora lo ritenesse opportuno, apporterebbe se dovesse scriverlo oggi.
Ringrazio e saluto

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