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分散投资和集中投资的区别在哪里呢?分散投资代表你有很多的股,大致上不少于 20个;集中投资通常会持有少过10个股,而每个股都会至少占你投资组合的10%。

 

那哪种会更好呢?笔者再次觉得这并没有正确的答案,但是分散投资会比较适合新手或者初学者。这是因为新手大多数都对很多不同种类的股感兴趣,也正因为每个股都有自己的长处,导致新手不想脱手。但是,这样的投资组合让你的成长受到限制,因为尽管你手上大多数的股都是上升的,但会轻易地被下跌股抹去,因为你的上升股并没有占你投资组合的大部分。

 

另一方面,集中投资会比较适合老手。但其实,集中投资的人大多都源自于分散投资,而区别他们的是他们会去掉一些没那么高成长的公司,而只留下高成长的。所以久而久之,他们只剩下一定数量的股,而因为每个都占了投资组合的一席地,所以每个股都相对重要。

 

即使集中投资看起来会是更好的选择,但分散投资最好的地方就是在于不损失任何的机会。如果觉得一个股很好,你便会去买它,就算只是很少的数量也在所不惜,而且因为把握全部的机会,回酬其实也会蛮可观的。但是以长远来看,集中投资会因为复合利润而好那么一些。举例,分散投资者要概括了所有的机会进它们的投资组合时,可以从中筛选出特别好的几个来进行加注,而去掉没那么好的,以转换成集中投资组合。

 

总结,笔者觉得分散投资可以让你有机会接触到各种股,并从中筛选出最好的几个。另外,笔者觉得集中投资对长期来说,回酬会因为复合利润而来得更可观,并且所选择的股亦是精英中的精英。

 

What are the differences between diversified portfolio and focused portfolio? Diversified portfolio means that you bought a lot of stocks, where normally more than 20 stocks. Focused portfolio means that you are only limited with less than 10 stocks, where each of them will take up at least 10% of your portfolio.

 

So, which type will be better? Again, the writer thinks that there is no answer for this, BUT diversified portfolio may be better for beginner or newbies. This is because you are interested in a lot of different stocks, and all of these have its own advantages that you would not want to let go. However, the downside of your portfolio is that there is limited growth even though most of the stocks will grow, but the ones that are not growing may drag the entire portfolio into losses.

 

On the other hand, focused portfolio is better for advanced investors. To be honest, investors with focused portfolio are mostly came from diversified portfolio. The only changes they made is to eliminate stocks that are less profitable compared to other stocks in hand. Hence, they will only be limited stocks left after a certain period of elimination, and each of them play an important role in the portfolio because each of them will at least contribute to 10% of the portfolio.

 

Even though focused portfolio may seem to be a better choice, but the benefit of having diversified portfolio is to not miss any opportunity. If you think any stocks is good in their own field, you may just acquire it, and by taking all the opportunities, the return may be decent as well. However, on the longer run, focused portfolio may be slightly better due to the compound gain. For example, if an investor with diversified portfolio took all the opportunities and is able to profit from the portfolio, they may choose those exceptional stocks and eliminate other slower stocks, converting them into focused portfolio.

 

In short, the writer thinks that diversified portfolio is the best for selecting stocks initially and take all the possible opportunity. However, as time goes, focused portfolio shall be preferable as you can compound your gain in the future from all those profitable stocks you have chosen from your initial diversified portfolio.

 

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https://klse.i3investor.com/blogs/InvestingKnowEverything/2020-11-24-story-h1536554047.jsp

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