Investissement portfolio diversification ye mun ye: essence ani misaliw

Portefeuille diversification : nafolodonniw lakanani cogo. Bi diɲɛ donna basigibaliya wɛrɛ la, wa o tun tɛ se ka nɔ bila bolomafara sugu la. Kunu dɔrɔn, a bɛ iko lakanafɛnw (aksidanw, bonw, a ɲɔgɔnnaw) minnu bɛ wari caman bɔ, ka tɔnɔ sabatilenw lase, bi, olu sɔngɔ bɛ ka jigin kosɛbɛ. O la, waridonnaw ​​ka kan ka labɛn fɛn caman yeli kama suguya cogoyaw la. Wa walasa k’o kɛ, i ka i ka wari bilalenw caman kɛ walasa ka i ka wariko gɛlɛyaw dɔgɔya. https://articles.opexflow.com/investicii/investissementj-portfel.htm Bamako, Mali

Investissement portfolio diversification – o ye mun ye daɲɛ nɔgɔmanw na

Fɛnɲɛnɛmako hakilina ka bon kosɛbɛ. A bɛ se ka kɛ sababu ye ka baarakɛda in ka baarakɛyɔrɔ bonya walasa ka dɔ fara tɔnɔ kan. Investissement portfolio caman-camanko b’a jira ko fɛɛrɛ dɔ bɛ yen min bɛ se ka kɛ ka faratiw ɲɛnabɔ ni nafolo bɛ sɔrɔ bolomafara sugu la. A b’a jira ko nafolo (stocks, bonds, walima minɛn wɛrɛw) ka tila-tila cogo la min b’a to farati minnu bɛ sɔrɔ portfolio tigi la, olu bɛ to ka dɔgɔya tuma bɛɛ ni a bɛ se ka kɛ.

Investissement portfolio ye nafolo ye min bɛ lajɛ cogo la min b’a to u nafa bɛ se ka kuntilenna ni laɲiniw dafa a tigi ye minnu sigi senkan. Investissement portfolios bɛ se ka kɛ dɔrɔn tɛ minɛnw kulu ye minnu bɛ kɛ bolomafara sugu la (shares of exchange-traded funds,
futures , stocks, bonds, wdfl), nka wari, nɛgɛ nafamaw, dugukolow, wari bilalenw banki suguya caman na, ani a ɲɔgɔnnaw.

O waati kelen na, farati min bɛ waridonna bolo, o ye ko ye min kɔnɔ, a ye sɔrɔ hakɛ min boloda a ka bolomafara lajɛtuma na, a tɛ sɔrɔ min na, walima hali wari bilalen yɔrɔ dɔ bɔnɛna. Nafolodonna ka bolofara suguya caman b’a to ani ka a to waridonna ka sanni kɛ minɛn kelen si tɛ, nka a bɛ se ka nafolo san suguya wɛrɛw la minnu ni ɲɔgɔn cɛ tɛ kelen ye kosɛbɛ. O b’a to i bɛ se ka sɔrɔ dɔgɔyali musaka bɔ yɔrɔ dɔ la k’a sababu kɛ jɔyɔrɔ wɛrɛw nafa ye. O waati kelen na, a ka kan ka to an hakili la ko tɔn suguya caman ka nafolo (jatebɔ) sanni tɛ fɛn caman kɛli ye tuma bɛɛ. Misali la, ni waridonna dɔ ye Chevron, Gazprom ani Total ka jatew san, o tuma na, o tɛna kɛ fɛn caman sɛnɛni ye, bawo nin tɔn ninnu bɛɛ, hali n’u tɔgɔ sɛbɛnna jamana wɛrɛw la, u bɛ baara kɛ petoroli ni gazi suguya kelen na. Wa sugu bɛ min kɛ ko kɛlen o ko kɛlen na, o bɛna nɔ bila u kelen-kelen bɛɛ la wajibiya la. Nka, ni portfolio dɔ dabɔra ka bɔ tɔn suguya caman ka jatew la minnu bɛ baara kɛ yɔrɔw la minnu ni ɲɔgɔn cɛ tɛ kelen ye, misali la, petoroli ni gazi bɔli, jɔli, IT fɛɛrɛw, a ɲɔgɔnnaw, o tuma na, suguya caman yeli juguw faratiw bɛna kɛ u ye waati kelen na ka kɛ fɛn fitinin ye.

Investissement portfolio min ka fisa ni tɔw bɛɛ ye, o ye mun ye

Ɲininkali jaabi jɛlen tɛ yen – wariko portfolio ɲuman ye mun ye ? Investisseur kelen-kelen bɛɛ n’a ka ɲininiw ye investissement portfolio la, minnu bɛ bɔ fɛn caman na, i n’a fɔ investissement horizon, laɲiniw sigilen, wariko ɲɛnabɔli, a ɲɔgɔnnaw. O la, a tɛ kɛ fɛn ɲuman ye, nka a bɛ kɛ wariko bolofara min bɛ balansi ɲuman na. Investisseur bɛ se ka o portfolio sugu sɔrɔ ni a kɛra fɛn caman ye ka ɲɛ. Ni nafa ni farati minnu bɛ a kɔnɔ, olu bɛna waridonna sago dafa ka se a dan na. O waati kelen na, waridonna kelen-kelen bɛɛ bɛna u yɛrɛ ka sɔrɔ makɔnɔnen sɔrɔ ani farati minnu bɛ se ka sɔn. Nin kuma fɔlen in bɛ se ka jira ni nin misali saratilen in ye. An ka “investisseur suguya” belebele saba ta:

Investisseurs conservateurs (Investisseurs conservateurs) ye

O waridonna suguw, fɔlɔ, u b’a fɛ k’u ka nafolo mara ani k’u lakana ka bɔ nafolosɔrɔbaliya taabolo la. O la, u fɛ, danfara bɛna kɛ ka nafolo sɔrɔ min bɛ se ka da a kan kosɛbɛ (bon, aksidanw, a ɲɔgɔnnaw) ka ɲɛsin tɔnba sabatilenw ma.

Investisseurs (Investisseurs) minnu bɛ danma-danma

U labɛnnen don ka daminɛ ka wari bila farati la walasa ka dɔ fara u ka sɔrɔ kan. Nka o waridonna suguw ka laɲini fɔlɔ ye hali bi ka waribonw lajɛ (laɲini latigɛlenw kɔnɔ) san 10-20 kɔnɔ. O de kama, u ka wariko bolofaraw bɛ fanga sɔrɔ suguba ka bolomafaraw fɛ, wa a bɛ se ka fɔ ko sɔrɔko bolofara bɛɛ bɛ jira a kɔnɔ.

Investisseurs aggressifs (waridonnaw) minnu bɛ kɛ ni fanga ye

O waridonna suguw b’a ɲini ka nafa caman sɔrɔ joona, wa o de kama u bɛ taa nɔgɔya la u ka waridonna ka bolomafara bɔli la. O waridonna suguw fɛ, fɛn caman bɛna kɛ fɛntigiw ka nafolodonniw na.

Venture investissement ye investissement ye min kɔnɔ investissement bɛ kɛ porozɛ caman na minnu bɛ layidu ta (nka farati bɛ u la) u sigili daminɛ na.

Ni a bɛ se ka kɛ kosɛbɛ, o porozɛ sugu 8 bɛna dɛsɛ 10 la. Nka sɔrɔ min bɛ sɔrɔ porozɛw la minnu kɛra ka ɲɛ, o bɛna bɔnɛw dafa bɛrɛbɛrɛ, ka tɔnɔba lase u ma.

I bɛ se ka i ka wari bilalenw jɔ cogo min na

O la, sanni i ka daminɛ k’i ka wariko bolofara sigi sen kan, jagokɛla/waridonbaga ka kan fɔlɔ ka a latigɛ a bɛ kuntilenna minnu na ani a bɛna baara kɛ ni fɛɛrɛ min ye. Laɲiniw bɛ se ka kɛ fɛn caman ye – k’a ta nafolo sɔrɔli la (so, so, mobili sɔngɔ gɛlɛn, a ɲɔgɔnnaw), ka se denmisɛnw ka kalan sarali ma walima ka sɔrɔ wɛrɛ sɔrɔ lakɔlibila kɔfɛ. Misali la, waridonna dɔ min si bɛ san 25-30 la, o y’a latigɛ ka pansiyɔn bolofara dɔ sigi sen kan a yɛrɛ ye. San 30-40 b’a ɲɛfɛ. Wa o de kama, a ka kan ka nafolodonni bolodalen dɔ sigi sen kan, nafolo minnu ye nafa ɲuman ni sabatilen jira kaban waati jan kɔnɔ. O waati kelen na, hali jatebɔ dɔw bɔli, waati kunkurunnin kɔnɔ, o tɛna nɔ bila kɛrɛnkɛrɛnnenya la o portfolio sugu la, bawo waati bɛrɛ bɛna kɛ ka kɔn o ɲɛ, walasa u ka sabati ani ka taa a fɛ ka bonya. O waati kelen na, ni waridon waati ka surun kosɛbɛ, san 2-4, o tuma na, u ka portfolio bɛ dilan ka ɲɛ ka bɔ aksidanw na minnu sabatili ka bon, hali ni sɔrɔ hakɛ tɛ minnu na (a ka c’a la, olu ye bonw ye
bulu buluw “). Laɲiniw ni fɛɛrɛw latigɛlen kɔfɛ, waridonna bɛ daminɛ ka portfolio dɔ sigi sen kan, a mago bɛ nafolo minnu na, a bɛ olu sugandi ni paramɛtiri bɛnnenw ye. O waati kɔnɔ, aw bɛ se ka taa ni danfara hakɛ caman ye siɲɛ kelen:

Investissement portfolio suguya – “portefeuille perpétuel”.

Nin suguya in bɔra san kɛmɛ tɛmɛnen san 70 daminɛ na, wa a ye wariko bolofara suguya nɔgɔman ye min bɛ bɛn wariko
ma O waati kelen na, nafolo kelen-kelen bɛɛ bɛ kɛ nafolo bilalenw bɛɛ lajɛlen tilancɛ tigitigi ye. N’an y’a fɔ cogo nɔgɔman na, ni wari bilalenw hakɛ tun ye miliyɔn 10 ye, o tuma na, nafolo kelen-kelen bɛɛ tun bɛ kɛ miliyɔn 2,5 ye, o cogo la.

Investissement portfolio suguya – “Wari portfolio”.

O ɲɔgɔnna nafolodonni portfolio bɛ kɛ wari dɔrɔn de ye, wa a man kan ka sɔrɔ lakika faralen sɔrɔ walima ka waribonw dalajɛ. Nka o portfolio sugu ka bon kosɛbɛ nafolo bilalenw marali la. Wa, ni waridonna b’a fɛ k’a ka musaka nataw kɛ ka bɔ o portfolio in na, o tuma na, kun t’a la ka wariko jiginni kɛ.
Cogo min na ka nafolodonna ka portfolio dilan, ka portfolio caman dilan, ka nafolo tila: https://youtu.be/L6AzLPWEUZI

Balancogo kura ye fɛɛrɛ ye min bɛ faratiw caya bali wariko bolofara dɔ la

Baara taabolo la, nafolo hakɛ min bɛ wariko bolofara kɔnɔ, o bɛ se ka Changé kosɛbɛ. O bɛ kɛ bawo nafolo suguya minnu bɛ portfolio kɔnɔ, olu nafa tɛ kelen ye. U dɔw sɔngɔ bɛna wuli joona kosɛbɛ, wa ni wale si ma kɛ, o tuma na, waati dɔ la, a bɛ se ka kɛ ko nafolo suguya kelen dɔrɔn de bɛna daminɛ ka jatebɔ kɛ wariko bolofara nafa fanba la. Wa, a dabɔra cogo min na, o balanbaliya sugu min bɛ wariko bolofara kɔnɔ, faratiw bɛna bonya. Walasa ka a yɛrɛ tanga o ko sugu ma, waridonna ka kan k’a ka waridonna ka bolofara balan tuma ni tuma. Mun na a ka kan ka tɔnɔ sɔrɔ nafolo minnu bɛ ka bonya, ka baara kɛ ni o hakɛw ye walasa ka nafolo sɔrɔ minnu tɛ bonya kosɛbɛ walima hali ka jigin fo ka se portfolio ka balansi sɔrɔ kokura. Ni balansi min b wariko bolofara kɔnɔ, o b b n b nkan fitinin na (1–3%), o tuma foyi t se ka b n bolomafara la. Ni balansi tiɲɛna ni 10% ni kɔ ye, o tuma na fɛ, a ka kan ka balansi kura don portifaliw la, ka segin a cogo kɔrɔ la nafolo hakɛ la.
Misali la:
A ka kɛ ko waridonna dɔ ka bolomafara fɔlɔ tun ye 70/30 ye. Jatedenw yɔrɔ danfaralen dɔ sɔngɔ bonyalen don, sisan o hakɛ in bɛ 80/20 na kaban. Walasa ka portfolio segin a ka balansi fɔlɔ la, waridonna ka kan ka bond caman san walima ka a ka jate dɔw feere. O waati kelen na, a ka kan ka to an hakili la ko balansi kura kun t ka dɔ fara waridonna ka nafa kan, nka ka dɔ bɔ a ka faratiw la minnu bɛ se ka sɔrɔ.