Fortune | FORTUNE 前天 21:35
The S&P is back to record highs—proving yet again the wisdom of a buy and hold strategy
index_new5.html
../../../zaker_core/zaker_tpl_static/wap/tpl_guoji1.html

 

文章探讨了股市创新高对投资者和财务规划师的意义。尽管市场表现积极,财务规划师建议投资者保持冷静,将市场上涨视为常态,并强调长期投资策略的重要性。文章指出,在市场波动时期,避免情绪化决策至关重要,因为错失最佳交易日可能严重影响投资回报。文章还建议投资者重新评估其投资组合,关注全球多元化,以应对市场不确定性。总之,成功的投资在于纪律性和对长期目标的专注,而非对短期市场波动的反应。

📈 股市创新高是常态:财务规划师指出,股市屡创新高是健康市场和经济增长的体现,投资者无需过度兴奋。每月收盘达到历史新高的情况发生频率超过25%。

📉 避免情绪化决策:市场下跌时恐慌抛售或暂停投资,可能错失随后的上涨机会。研究表明,股市的大部分收益集中在少数几天,错过这些最佳交易日将严重影响投资回报。

🌍 关注投资组合多元化:现在是重新评估投资组合的好时机,尤其要关注全球多元化。分散投资可以降低风险,对冲不确定性,特别是当国内政策不稳定时,国际投资可以缓解焦虑。

🗓️ 长期投资的重要性:市场波动是常态,投资者应专注于长期目标,而不是对短期市场波动做出反应。成功的投资需要纪律性和对长期目标的关注,而非对每日新闻的反应。

While the highs can feel like nirvana for investors after the recent uncertainty, financial planners say it’s business as usual for them and their clients. They happen often, and are a feature of a healthy market and a growing economy.

“All time highs are exciting, but expected in a growing stock market. It’s like saying once per summer that my tree hit a new all-time high,” says Robert Persichitte, a Colorado-based certified financial planner (CFP). “In fact, more than 25% of the time, monthly closing market levels are new all-time highs.”

What the new highs do show is how important it is to keep calm during times of turmoil. Those who pulled back their investments in April, when the market was tanking and emotions were high, may be missing out on all of the gains now.

As Fortune wrote then, most gains are made in just a few days every year. That means that selling stocks then or pausing contributions and then trying to time your way back in will prove a bad strategy 99% of the time. In fact, 78% of the stock market’s best days occur during a bear market or the first two months of a bull market, according to Hartford Funds, an investment management company. You don’t want to miss them.

“If you missed the market’s 10 best days over the past 30 years, your returns would have been cut in half,” Hartford Funds writes. “And missing the best 30 days would have reduced your returns by an astonishing 83%.”

That said, there are some things investors can do now that the stock market is on less shaky ground, says Marcos Segrera, Florida-based CFP, including reviewing their overall financial plan and overall diversification. Peak volatility is the worst time to make any changes to your investment plan, but now could be a good time to review your holdings.

“Assess your geographic exposure. Check your percentage in U.S. stocks versus stocks outside the U.S. to ensure you remain globally diversified,” says Segrera. “It’s not about timing the market, but ensuring your portfolio is aligned with your long-term goals.”

Though diversification has always been important, it’s becoming an even bigger focus for many U.S. investors now, financial planners say. It’s the best hedge against uncertainty, especially when domestic policy in the U.S. is as chaotic as it has been the past few months. Having international holdings can ease anxiety.

More importantly, remember that while the market’s current valuation is a needed reprieve after the recent anxiety-inducing plunges, it means very little about future investment returns. The market will fall again, and inevitably hit another all-time high. And then another after that.

“There will always be a ‘crisis du jour.’ Whether it’s inflation, elections, or geopolitical tensions, there is always a headline that can cause anxiety,” says Segrera. “Successful investing involves discipline and focusing on your long-term goals, not reacting to the constant noise and the crisis of the day.”

Introducing the 2025 Fortune 500

, the definitive ranking of the biggest companies in America. 

Explore this year's list.

Fish AI Reader

Fish AI Reader

AI辅助创作,多种专业模板,深度分析,高质量内容生成。从观点提取到深度思考,FishAI为您提供全方位的创作支持。新版本引入自定义参数,让您的创作更加个性化和精准。

FishAI

FishAI

鱼阅,AI 时代的下一个智能信息助手,助你摆脱信息焦虑

联系邮箱 441953276@qq.com

相关标签

股市 投资 多元化 长期
相关文章