example of investment portfolio
First, a little turn to the theory and learn the concept of the investment portfolio:
The investment portfolio of the private investor is diverse (with the purpose of reduction of risk) the sum of long-term investment of personal funds in various instruments, with the purpose of their preservation, augmenting and receive regular stable profit, preferably exceeding the growth of the informal inflation.
I think that the detailed structure of investment portfolio repeat not worth it, better discuss how to manage them, to reduce the risks and to get a good return.
Tell you on a personal example of how I created my investment portfolio and on what principle he formed and brings me a profit.
First of all, let me remind you, that to reduce the risk of loss of funds it is necessary to maximally expand its investment portfolio, regularly keep track of all sorts of projects for investment and markets, whether the foreign exchange market, the stock market or real estate market. A real professional investor, constantly be in search, tracking prices and the analysis of investment instruments.
So, be patient, the information it turned out a lot, but the whole is taken as the knowledge gained from the very successful people, thematic literature as well as from personal experience:
In the beginning of the course, you must learn to defer a certain percentage of a permanent source of income (work, business, etc.).
Start save money in the safe Deposit box or other hiding place and constantly renew its 50% in the currency of the permanent use, in our case $, which can then be take from themselves (as necessary) and the other two opposing currency, for example RUB 25 % and EUR 25%, which will allow not to lose the initial capital from changes in the value of a particular currency and in the future, again, get yourself to rest in the country where the one or the other the currency. It will be one of the parts of Your investment portfolio.
In parallel, you can begin to invest. Create a portfolio of at least 10 tools with active trust management with a stable profit overtaking the real inflation, it is more appropriate way because at first, experience and money as a rule not to try other instruments (stocks, commercial real estate, business). This is the second part of the portfolio.
With the accumulation of good amounts in the trust deed, we need to continue to expand the contents of the investment portfolio, and, for example, half the income to invest in lean stock market or real estate. As a rule, first rising or falling market shares, and then the real estate market. As I said earlier, you must learn to keep track of all these subtleties of investment business.
Here is an example from his own experience: waiting for the fall of stock market shares, I started buying highly liquid shares of major enterprises of big business, working for export and the domestic market, more than 50% owned by the state. In any crisis the state has always had to put taxpayers ' money into the banks and big business, which mainly supporting the economy of one country or another. This is done in order to save their performance (and possibility of receipt of future profits), as well as the salaries of the workers of these enterprises, which, as a result, spend their money, thus supporting the economy of other enterprises of small business on the domestic market. This example I would call the third part of the investment portfolio.
Yet... at the same time I bought the cars at discounted prices from the citizens, which in the crisis could not keep the car from the loss of part of the income or the impossibility of payment of the loans and sold at a profit to those people who are afraid of the crisis lose money stale «under the pillow» or in banks. The same thing that with the cars going on with the real estate, but much slower because of its high cost. Appear offer at a discount from 30% up to 50% and, of course, in this moment I have been buying commercial property. Here is another part of the investment portfolio.
Then, when the state begins to invest in big business, at this moment at the same time is supported by the stock market, in order to have the world's major business clans was not possible for a penny to buy up the enterprises of big business, which have strategic importance for any country. At this moment the shares soar and I sell them for a good price, that would have time to buy more commercial real estate, which still does not have time to just grow up. So do all experienced investors.
Further, as a rule, everything is restored, the commercial real estate rent for rent, and rental income again begin to invest in active asset management with the stable profit and business. After that eventually repeat the same cycle of growth and the fall of any of the assets, so does the economy of the world and the psychology of human behavior. Any investor comes to this, that determines the time for transfusion assets in the appropriate moment for diversification, preserve and increase their capital.
Now my investment portfolio is formed in the following way:
80% of the commercial real estate ( 4 properties);
10% in the trust deed (17 funds);
5% of the shares (10 enterprises of various branches);
5% in foreign currency.
The percentage of the last three sub items change depending on the market situation.
