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#新加坡投资之投资规划五步法

投资规划五步法

第一步：设定目标
某些资产类别的波动性虽然较大，却能提供较高的收益。设定具体而实际的投资目标，将大大提升你的成功几率。
记下你的目标，时时回顾，不忘初心，会让你有不一样的收获。

第二步：评估风险承受能力
投资道路上，每个人对风险承受能力大不相同，有些投资者不太愿意承受风险，即使有机会取得较高的潜在回报也不为所动；有些投资者愿意承担一定程度的风险，以取得一定的投资回报，但希望避免大幅波动；也有些投资者愿意承担较高风险， 以换取高于市场平均水平的回报。
如何得知自己的风险承受能力？ 可投资的时间期限就是一个关键指标。 简单而言，投资年期越长，可以承受的风险便越高。 原因是投资期越长的话，便越能够渡过完整的市场周期，避免受短期波动而影响。 举个例子来说，初入职场的年轻人由于离退休比较遥远，可以承受的风险会较高。
相反，投资年期越短，可承受的风险普遍越低。 另外，投资风险承受能力跟人生的其他规划相关联，投资前不妨先问问自己，是否已经为子女的教育储蓄做好准备？ 短期内有没有大的购买计划？ 这些因素都会影响到我们的流动资金需要。 毕竟在任何情况之下，我们都需要保留一定的现金，以备不时之需。
根据人生阶段的不同，投资风险承受的类型也不一样，大家简单可以对照一下这一表格做个参考。
人生阶段:
投资类型
年轻力壮，投资路刚起步
进取型
成家立业，需要流动资金
进取型
生儿育女，准备子女教育经费
平衡型
踏入退休，保持金钱购买力
保守型
 

在明确了自己的风险偏好之后，Joey还是要在这里提醒大家，合理的分散投资会让我们的投资之路变得更加安稳。

回顾历史，我们也懂没有一种单一的资产能成为长胜将军。所以适当地将资产配置在不同地域、不同属性的投资工具，有助分散投资组合风险，并在不同市况中捕捉投资机遇，争取稳定的中长线回报。

第三步：精挑细选投资标的

根据不同的预期回报应选择不同的投资标的 
股票类等基金一般以追求高增长为目的
如果期待定期固定收益，年金/分红型基金或许可提供稳定的现金流。
具体的规划部分还需要与理财顾问做好详细沟通

第四步：定期评估投资组合
在投资过程中宏观经济和金融事件可以广泛地影响投资市场。 各行各业的基本因素改变，亦会为组合内各种资产类别，带来不同程度的影响。
正如身体检查一样，只有定期进行评估，才能清楚投资组合的状况是否健康，有能力达到预期中的表现。
再次提醒大家为避免情绪性决策，请切记你的投资初心并坚守计划。

 第五步：重新调整投资组合

在投资路上，很多人都知道资产配置的重要性。 但持续地维持组合的结构同样重要。定期把投资组合中各资产类别的比重，还原至最初拟定的比例，也就是我们常说的rebalancing也是长线投资的成功关键。 定期调整组合比例，便能将风险水平与投资目标重新配合，迈向理财目标。

投资理财是个长期目标，建议找到合适的理财顾问与自己一路同行哦。

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Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Joey Wu Zuhua吴祖华

新加坡保险.投资.信托等全球资产配置，等全球资产配置, 一站式，专业，独立。

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策