Pehea eʻike a palekana i nā kālā
Mālamaʻo Fund Overlap i ka loaʻaʻana oʻelua kālā aʻoi aku paha o ka mea kālā e loaʻa ana i nā kumuhana likeʻole a no laila hoʻopaʻa i nā waiwai likeʻole. No kahi kumu hoʻohālikelike, inā loaʻa i kahi mea kālā kālā ka waiwai kālāʻelua a me ka hoʻoili kālāʻana i loko o nā kumukūʻai hoʻokahi, ua like nā mea like me ka hoʻoemiʻana i nā pono o ka pilikino ma o ka hoʻonuiʻana i kaʻike i kēlā mau kumukūʻai - kahi piʻi i makemakeʻiaʻole .
E noʻonoʻoʻoe i kahi pakuhi Venn meʻelua mau'āpana, e hōʻike ana kēlā me kēia kālā i kahi kālā kālepa, e piʻi ana i waenakonu. Ma keʻano he mea kūʻai kālā,ʻaʻoleʻoe makemake nui i kahi kuhiʻana ma waena o nā pōka - makemakeʻoe i ka liʻiliʻi loa o kahi hikiʻole.
Pehea e huli a pale i kahi kālā Overlap
ʻO ke ala maʻalahi loa eʻike a hōʻole i ke kālā kālā,ʻo ia ke nānā i nā kāpuni kālā e hōʻoiaʻiʻo i kāu mau kālā likeʻole e kau like i nā manaʻo like. Eia kekahi laʻana, ho'āʻo eʻaeʻole e loaʻa i kekahi kālā nui nui o ka poʻo a me ka waihona kālā hōʻuluʻulu, kahi kālā kālā kālā'ē aʻe, kahi'āpana kālā ukana liʻiliʻi, hoʻokahi waihona kālā, a pēlā aku nō.
Inā makemakeʻoe e loaʻa kahi kālā, a iʻoleʻoe he 401 (k) hoʻolālā me nā koho a pau, hiki iāʻoe keʻike i kahi pūnaewele e nānā i kahi o nā kahua noiʻi maikaʻi loa no ka hoʻolālāʻana i nā kālā likeʻole a nānā i kahi helu helu i kapaʻiaʻo R-squared ( R2) .
E hōʻike anaʻo R ākea iāʻoe i ka hoʻohuiʻana o kahi waiwai i kahi (like me) i hāʻawiʻia kahi pae'āina.
Ua hōʻikeʻia kahi'āpana R-100 o 100 e hiki ai ke ho'ākākaʻia nā hana a pau o kahi kālā ma nā hana i ka index. No laila, ināʻoe he waihona kālā S & P 500 Index , e hōʻoia i ka loaʻaʻole o kekahi kālā i kāu waihona kālā i kahi R-ʻehā kokoke kokoke i ka 100. E hōʻike ana kēia i ka paeʻana o ke kālā e hoʻolālā i nā kālāʻelua e hana like.
E hoʻomanaʻo, no ka hoʻopili ponoʻana - e emi iho ka hopena o kaʻeleʻele - makemakeʻoe i kekahi kālā i "zig" aʻo nā mea'ē aʻe "zag."
Keʻano o ka Overlap Me ka hoʻohanaʻana i ka huahelu R ma ka Morningstar
He nui nā kānaka he 401 (k) hoʻolālā a IRA paha ma Vanguard. ʻO kahi koho waiwai nui o Vanguard S & P 500 Index (VFINX). He aha inā inā he koho'ē aʻe ma ka papahanaʻo Vanguard Growth Equity (VGEQX)? Eʻike aneiʻoe inā ua pale? Eʻike kākou. Hiki iāʻoe ke hele i Morningstar.com a komo i kahi hulina no VGEQX. I ka manawa ma kahi palapala nui o ka waihona, eʻimi i kahi loulou i "Ratings and Risk" a kaomiʻia. I hoʻokahi manawa ma kēlāʻaoʻao, e kaomi i lalo aʻikeʻoe he 97 kaʻohina R.
Hōʻike kēia helu iā VGEQX he 97% o ka hoʻopiliʻana i nā hoʻoili kūʻaiʻana i ka S & P 500.ʻO nā hua'ōlelo'ē aʻe, ua nui ka waihona kālā e hoʻolako i ka pilina kūpono. Eʻimi i kahi koho kālā'ē aʻe (mai hoʻohana i ka S & P 500 Fund a me ka VGEQX)!
ʻO kekahi ala eʻike ai i ka hiki i ka waihona kālā e ulu anaʻo iaʻo ka hōʻoiaʻiʻoʻaʻoleʻoe iʻoi aku i ka hoʻokahi kālā i mālamaʻia e ka luna pūnaewele hoʻokahi. Ma muli o ka nani o ka mea a iʻole ka hui paha, nā mana o ka waihona kālā kekahi mau manaʻo loea a me nāʻano i maʻalahiʻole ai lākou.
Ma ka hopena hope, e mālama pono i ka hilinaʻiʻana o ka waihona kālā i kēlā me kēia manawa, e like me hoʻokahi makahiki.
Inā paha ke kumu kūʻai o nā kālā i loko o kāu kōpili i ka wā i kūʻai mua aiʻoe iā lākou,ʻaʻole ia e pili anaʻaʻole e kāpae ana ko lākou mauʻaoʻao i kekahi i kekahi. Hōʻaloʻia kēiaʻano keleʻaʻahu aʻaʻohe mea kūpono. Eia kekahi laʻana, hiki i kahi waihona kālā'āpana poʻo hina ke hele mālie i ka palena nui-cap i ka manawa e kūʻai wikiwiki ana ka luna waihona kālā i nā kumu kūʻai o nāʻoihana nui.
Ka Hoʻohaha: ʻO kaʻike ma kēia pūnaewele ua hoʻolakoʻia no ke kūkākūkāʻana wale nō, aʻaʻole pono e kuhiʻia e like me ka'ōlelo aʻo kālā. ʻAʻohe kumu e hōʻikeʻia kēiaʻikepili i manaʻo e kūʻai a kūʻai aku i nā palekana.