Whalesbook
60/40 Portfolio Ka Jalwa, 50/50 Se Behtar!
Ye jo 60/40 wala funda hai na, ye sirf thoda zyada returns dene ke liye nahi hai. Asal mein, yeh market ke utaar-chadhav ko control karne mein aur paisa grow karne mein 50/50 se kaafi better hai, especially jab stocks mast chal rahe ho.
Risk Kaise Manage Hota Hai?
Iska secret hai ye 40% bonds ka portion. Jab market girta hai, ye buffer ki tarah kaam karta hai. Jaise 2008 ki Global Financial Crisis mein 60/40 portfolio 22% gira tha, aur COVID crash 2020 mein 17%. Isse recovery jaldi ho jati hai. Par haan, 2022 mein kuch alag hua. Jab inflation aur interest rates badhe, toh stocks aur bonds dono sath mein gire. Tab 60/40 portfolio 25.1% tak gir gaya tha. Ye thoda chinta wala tha.
Growth Ka Magic
Growth ke mamle mein, dono mein difference kam lag sakta hai, jaise CAGR 10.5% vs 10.2%, par long term mein farak aata hai. Agar ₹10 lakh invest kiye ho toh 15 saal mein 60/40 mein ₹41.86 lakh banenge, jabki 50/50 mein ₹40.41 lakh. Matlab ₹1.45 lakh ka fayda!
Abhi Ke Challenges Kya Hain?
Abhi ke time mein is strategy ke liye challenges bhi hain. Wo purana low interest rate wala zamana gaya. Inflation aur rate hikes ke wajah se bonds bhi gir rahe hain. Global investors bhi India jaise emerging markets se nikal kar developed countries ki taraf ja rahe hain, jisse Indian Rupee par pressure aa sakta hai aur companies ke liye loan lena mehnga ho sakta hai. Bond ki maturity bhi matter karti hai, agar interest rates badhe toh long maturity wale bonds zyada girte hain.
Rebalancing Ka Sabse Bada Role
Sabse important baat, ye 60/40 strategy tabhi kaam karti hai jab aap saal mein ek baar rebalance karte ho. Agar nahi kiya, toh stocks ka share badh jaayega aur risk bhi zyada ho jayega. Jo log retirement ke paas hain ya kam risk lena chahte hain, unko 50/50 ya kuch aur alternatives dekhne chahiye.