现在即使只赚到几十年前能赚到的钱数你就能利用日益普遍的多样化的方法。随着指数基金、共同基金和股息再投资计划的兴起,拥有数百家不同公司股份的摩擦费用已经被大大消除了,或者至少大幅下降了。
This can help protect you against permanent loss by spreading your assets out over enough companies that if one or even a few of them go belly-up, you won't be harmed.
这可以保护你免受不可逆的损失,把你的资产分散到足够多的公司中,如果其中一家甚至几家公司破产,你也不会遭受损失。
In fact, due to a phenomenon is known as the mathematics of diversification, it will probably result in higher overall compounding returns on a risk-adjusted basis.
其实由于多样化数学现象的存在,很有可能会在风险调整的基础上产生更高的综合复利。
One thing you want to watch for is correlation. Specifically, you want to look for uncorrelated risks so that your holdings are constantly offsetting each other to even out economic and business cycles.
你要注意的就是关联问题,具体来说就是你想要找到没有关联的风险,以便你所持的股票总能彼此补偿,在经济和商业周期内持平。
When I first wrote the predecessor to this piece almost fifteen years ago, I warned that it wasn't enough to own thirty different stocks if half of them consisted of Bank of America, JP Morgan Chase, Wells Fargo, U.S. Bank, Fifth Third Bancorp, et cetera, because you may have owned a lot of shares in several different companies but you were not diversified; that a "systematic shock such as massive real estate loan failure could send shockwaves through the banking system, effectively hurting all of your positions", which is precisely what happened during the 2007-2009 collapse.
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