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新加坡 | 手里100,000 新，如何安心投资？

Hi，我是你的财经好朋友Jolysse，今天要和大家聊聊股市泡沫和SWAN策略，让你晚上睡得更香！

股市最近总是屡创新高，有人担心股价是不是已经膨胀成泡沫了。传说中的投资大佬杰里米·格兰瑟姆（Jeremy Grantham）甚至说这已经是泡沫中的泡沫，坏结果在所难免。但也有人认为，现在判断牛市结束可能还太早了。历史告诉我们，牛市和泡沫的持续时间可能比我们想象的要长。像格兰瑟姆这样的专家，过去也出现过多次预判过早的情况。

 

那么，普通投资者该怎么办呢？

其实，这个问题在市场上已经出现过很多次。市场上的多头和空头一直在争论不休，这是股市的本质。试图预测市场下一步会怎样并不可行。对于还有几十年退休时间的年轻人来说，他们可以简单地定期投资，无论是涨是跌，最终都会受益。

但对于退休人员和老年投资者来说，他们需要采取一致和多元化的策略，既可以在牛市中获利，又可以抵御市场的低迷，甚至在市场崩盘时保护资本。这就是我们所说的SWAN策略。

 

SWAN策略是什么呢？

就是让你晚上睡得香的策略！它的核心是一致和多元化，让你的投资能够应对市场的各种情况，即使在市场动荡时，你也能安心入睡。

每个人的需求和情况都是独特的，一种解决方案并不适合所有人。如果你年轻（尤其是45岁以下），并且有能力忽略市场的调整，你可能不需要对冲。但是，如果你年龄较大并且无法容忍投资组合的大幅下跌，某种形式的对冲可能就很重要了。

大幅的市场回撤可能会给大多数投资者带来情绪压力，尤其是当他们无所作为的时候，有时会做出非理性的决定。幸运的是，我们已经很长一段时间没有出现像2008-2009年那样的深度调整（除了由新冠病毒引发的短暂调整）。但这肯定会在未来发生。

自2010年以来，标准普尔500指数（SP500）的表现非常出色，但谁也无法确定未来十年是否会像过去十年一样。因此，选择适合自己的投资策略至关重要。

无论你是选择对冲还是不对冲，都要根据自己的情况做出理性的决定。要记住，投资是一场长期的游戏，需要耐心和智慧。

SWAN策略与我们的NPP（近完美投资组合）策略非常相似，只是各个篮子的分配和形成有所不同。SWAN策略分为三个篮子（或子投资组合），每个篮子的分配比例是1/3（33%）。但是，你始终可以在一定程度上改变分配，以满足你的个性化目标和需求。

 

这个策略的目标是：

  1. 实现高水平的资产多元化，并提供内置的对冲机制，以降低波动性并最大限度地减少回撤（比标准普尔500指数低约30%-40%）。

  2. 增加资本（包括股息），使其在10-15年内至少达到或超过标准普尔500指数的表现。

  3. 每年赚取（提取的能力）收入的5%至6%。

这个策略的独特之处在于，它可以在顺境和逆境中都能参与其中。对于大多数投资者来说，尤其是没有固定收入的退休人员，当市场大幅调整时，往往会感到恐慌。为了避免在情绪紧张的情况下做出错误的决定，我们需要一个能够在创造可观收入的同时保留资本的投资组合。

SWAN策略是基于三个关键桶构建的，分别是股息增长投资、高收益基金/ETF桶，以及对冲桶。这种独特的投资组合不仅实现了资产的多元化，还提供了内置的对冲机制，降低了市场波动性，最大限度地减少了投资组合的回撤。与此同时，它还能够每年为你带来可观的收入，让你在养老生活中安心无忧。

我们相信，这个投资组合不仅能够长期超越标普500的表现，还能够稳定地提供收入，同时降低了市场波动性和回撤，真可谓是一种让你安心有余的投资策略。

如果你也想在投资中既保值又增值，同时享受充裕的退休生活，不妨考虑一下SWAN策略吧。让我们一起为未来的财务自由努力奋斗吧！💪📈

 

#海外投资 #美股 #新加坡 #投资 #退休计划

你的宝库管家

Jolysse邬宇思

微信：Yusi_Wo / WhatsApp：90088276

新加坡全牌照理财顾问

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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.

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JolysseWu 邬宇思

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Hi, I’m Jolysse. Thank you for visiting my website and I’m looking forward to getting to know you personally.

I’m an independent financial consult and strive towards helping my clients and their families to accumulate wealth and helping them grow their investment portfolios.

您好。我是宇思，您也可以叫我Jolysse。

我是一名具有8年财富管理经验的独立理财顾问，金融学&管理学双学士，先后服务过近千个私募客户，个人美股及衍生品投资最高年化收益率达366%。在信息爆炸的时代，为您用中立、专业、挑剔的眼光去选择最合适您的理财方案！

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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