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外贸英文缩写 CFR(cost and freight)成本加运费价 T/T(telegraphic transfer)电汇 D/P(document against payment)付款交单 D/A (document against acceptance)承兑交单 C.O (certificate of origin)一般原产地证G.S
● 陈和兴 By Tan Hoe Heng
The primary message for people who are interested to
invest in the stock market is that they should ignore market
timing and buy stocks for the long term. This strategy is
simple and yet effective because stocks give good returns
over a long period of time. This article will highlight
strategies on how to allocate their money which could prove
to be useful for investors between savings and stocks.
The most simple strategy is the Buy-&-Hold strategy. One
does not need to do anything no matter what happens after
the initial investment is made. For example, you have $100
and you then decide to keep $60 in savings and use the
remaining $40 to buy stocks. Whether the stock market goes
up or down, you do not use your savings to buy more stocks
or sell stocks to put money back into savings.
If you follow this strategy strictly, it gives you
downside protection because your wealth will not fall below
$60. At the same time, it still gives you unlimited upside
potential because of the $40 that you have invested in
stocks. Given that stocks in general will give you higher
returns than savings in the long run, this is why many fund
managers advise investors to put a significant portion of
their wealth in stocks and hold on to them.
Another commonly mentioned strategy is the Constant Mix
strategy. In this case, you maintain a constant percentage
of your wealth in stocks. To use the same example, you
initially put $60 in savings (60%) and $40 in stocks (40%).
If the stock market falls by 20%, your initial $40
investment is now worth $32 and your wealth has dropped to
$92, i.e. $60 in savings (65%) and $32 in stocks (35%). Note
that your percentage in stocks has fallen from 40% to 35%.
In order to maintain your initial 40%, you have to use your
savings to buy more stocks. This strategy requires you to
buy stocks when their prices fall and sell stocks when their
prices rise. Put simply, it is a strategy that forces you to
follow, the rule of 'buy low and sell high'.
While the Constant Mix strategy seems to be the best
strategy to follow, the Buy-and-Hold strategy is better
under certain situations. For example, the market is
oscillating up or down, the Buy-and Hold strategy, rewards
you better. Therefore, if you believe that the stock market
is on a long-[1] [2] [3] [4] 下一页 |
