【語重心長】投資新手或者唔想再做傻散嘅入一入嚟（6）

咁會忙左唔少喎
都係諗住一個月rebalance一次咁？

留名學嘢

我對於乜都唔識嘅朋友, for退休儲蓄嘅推介係
SWRD+TRAU

Let x = (年齡 - 20) * 2
SWRD: (100 - x) %
TRAU: x%

因為x隨年歲加所以建議每年調整比例

VT, VWRA, IMID

2800

我覺得如果唔係同target leverage 差太遠可以唔理
Eg, 30% leverage 去到40%先變番30%

https://www.aqr.com/Insights/Research/Alternative-Thinking/Broad-Strategic-Asset-Allocation

可以參考下，雖然實際上係買唔到呢啲產品
個takeaway 係由60/40 portfolio出發
加少少leverage買alternative (managed futures 嗰啲）係同一個risk 下可以增加回報

我發現monthly rebalancing 有少少bet against momentum, 所以都係band rebalancing 算

margin requirements 應該點都有少少部分係broker任噏
保障番佢自己
ib前排先出左招exposure fee
個倉太多options
max loss過左佢條界
佢就會逐日收
但明明買果下已經計左margin requirements

我篇diversification is still the only free lunch就係想表達呢點而寫，當然冇AQR寫得咁pro

How you do the band rebalancing?
eg, 40% in RSSB, let it run between 36% and 44%?

I think 40% margin should be maximum.
Personally, I will keep it around 30%.

Exactly

我而家諗諗吓都覺得target 1.3x好啲，個人安落啲

If target 1.3x,
跌54% = 爆倉?

長供QQQM平過QQQ
不過呢度多數建議再分散啲 例如VTI

You should do the opposite of chasing performance.

Chasing performance, fear of missing out, and focusing on the negatives are three common mistakes many investors may make.

History shows investors who overreact to near-term market events typically end up doing worse than if they stuck to their long-term plan.

Required reading:
https://www.ishares.com/us/investor-education/investment-strategies/what-is-factor-investing

https://www.ishares.com/us/investor-education/investing-101/three-common-mistakes-investors-make

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