100% 주식 포트폴리오의 숨겨진 위험과 분산 투자 비법 해설
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- Harry made a $847,000 mistake unknowingly.
- Stocks average 10.3%, bonds only 6.1%.
- Harry questions why buy bonds at all.
- Diversification is protection against ignorance.
- His 100% stock portfolio will crash in 18 months.
- The key isn’t math, but psychology.
- Data shows stocks give higher returns, but with risks.
- During Great Depression, stocks lost 43%.
- From 1929-1932, stocks dropped 90%.
- In 2008, Harry’s stocks fell 51%.
- His $400,000 shrank to $196,000.
- Harry believes stocks will always recover.
- Neighbor Tom recovered faster with less stress.
- Tom’s max loss was only 40%.
- Harry almost sold during tough months.
- In 2020, Harry’s portfolio dropped sharply.
- He wanted to sell everything in panic.
- Many investors panic during crashes.
- During COVID, 9% of retail investors pulled out.
- Harry thought he could handle volatility.
- But he almost sold at the worst time.
- 100% stocks are good for accumulation.
- Regular investing during downturns works well.
- Under 40s can get rich with stocks.
- They need time, steady contributions, nerves.
- Harry had two of these three.
- Most US investors ignore international stocks.
- Diversifying globally boosts returns and reduces risk.
- For retirement, bonds are crucial.
- Bonds help during market drops.
- Some say 100% stocks are okay for retirement.
- But most can’t handle the volatility.
- A declining stock percentage over time helps.
- Some research suggests starting conservative.
- Others say start aggressive and get safer.
- Harry shifted to 80% stocks, 20% bonds.
- He learned he handles growth but not withdrawals.
- His compromise balances growth and peace.
- 100% stocks work if you’re young and steady.
- But they’re risky for retirees due to sequence risk.
- Balanced portfolios are recommended for most.
- Emotional decisions hurt during crashes.
- Most give up or panic at the worst times.
- Ask yourself if you can handle big drops.
- Can you keep investing during downturns?
- Do you have 20+ years before needing money?
- If yes, stocks might work for accumulation.
- For retirement, bonds protect you.
- Harry learned not to let emotions ruin him.
- Use tools to test different strategies.
- The best plan is one you can stick with.