和TT/Monkeyboy 唱一下反調，

資產配置和你的goal/風險承受度 關係不大

Really, investing in the field you know/understand/comfortable with is more important than diversification or risk tolerance.

Most success/rich poeple do not diversify and they invest in the field they know.  If you want to depend on diversifying to the field you do not know, you are in deep trouble becasue you could pick a wrong entry point or wrong exit point.

Most poeple on this board are good at the field they are in.  They can make good money in that field.  When they have extra cash on hand, they want to invest.  Why not invest more in the field you are already good at?  Study the leader in that field and find way to invest in that leader or future leader.

I use to believe in diversification,  But no more after 2001 and 2008/2009 stock market crash.  When crash, diversification does not help.  Dow/qqq/S&P gain nothing in 12 years.

Risk tolerance is easy to say and hard to figure out.  

Now, I believe in DCA if I wnat to be more passive.  (many discussion on DCA, no intend to repeat it here.)

所有跟帖： 

• 是這個理，俺就是沒有長處，所以就乖乖地持有股票和現金。 -08明前茶- ♀ (0 bytes) () 11/14/2012 postreply 19:16:21

• you are really good at something I am not... -planotx- ♂ (35 bytes) () 11/14/2012 postreply 19:38:12

• 這個，這個長處 -08明前茶- ♀ (31 bytes) () 11/14/2012 postreply 19:46:00

• She got million dollar legs. -WQPY- ♂ (0 bytes) () 11/14/2012 postreply 22:57:58

• LOL... -Jeepster- ♂ (0 bytes) () 11/15/2012 postreply 06:40:27

• 這題目在壇裏討論過，米大也是反對分散風險。 -虎落平原- ♀ (0 bytes) () 11/14/2012 postreply 19:16:38

• to be accurate, diversification in 2001 internet .com crash -Jeepster- ♂ (807 bytes) () 11/14/2012 postreply 20:04:10

• Actually 30-Year Treasury Bond Gave Your Much Better Return Than -monkeyboy- ♂ (97 bytes) () 11/14/2012 postreply 20:41:55

• yes, a portfolio of 50% S&P 500 index and 50% bond -Jeepster- ♂ (192 bytes) () 11/14/2012 postreply 20:56:48

• agree how to rebalance is very important -planotx- ♂ (493 bytes) () 11/14/2012 postreply 20:51:43

• I have been using Birkshire Hathaway stock as the center -Jeepster- ♂ (78 bytes) () 11/14/2012 postreply 21:01:10

• smart, very smart... -planotx- ♂ (0 bytes) () 11/14/2012 postreply 21:28:26