{"id":552,"date":"2024-02-29T23:05:31","date_gmt":"2024-02-29T15:05:31","guid":{"rendered":"https:\/\/henrysfinancialnotes.com\/?p=552"},"modified":"2024-03-10T11:44:03","modified_gmt":"2024-03-10T03:44:03","slug":"what-is-60-40-portfolio","status":"publish","type":"post","link":"https:\/\/henrysfinancialnotes.com\/en\/what-is-60-40-portfolio\/","title":{"rendered":"\u4eca\u665a\u6211\u60f3\u4f86\u9ede\u50b5\u5238 – 60\/40\u80a1\u50b5\u914d\u7f6e\u5982\u4f55\u964d\u4f4e\u80a1\u5e02\u98a8\u96aa?"},"content":{"rendered":"

2020\u5e74\u521d\u65b0\u51a0\u80ba\u708e\u5feb\u901f\u5e2d\u6372\u5168\u7403\uff0c\u5728\u5404\u570b\u57ce\u5e02\u9678\u7e8c\u300c\u5c01\u57ce\u300d\u5f8c\uff0c\u5168\u7403\u7d93\u6fdf\u77ac\u9593\u66ab\u505c\uff0c\u66f4\u7cdf\u7684\u662f\uff0c\u5982\u679c\u624b\u4e2d\u63e1\u6709\u50f9\u503c100\u842c\u7684SPY<\/a>(\u7f8e\u80a1\u5927\u76e4ETF)<\/mark><\/strong>\uff0c1\u500b\u6708\u5f8c\u4f60\u5c07\u767c\u73fe\u6574\u65744\u500b\u6708\u85aa\u6c34\u6191\u7a7a\u6d88\u5931\u4e86(\u5e02\u503c100\u842c\u7684ETF\u8dcc\u5230\u526966\u842c<\/strong>\uff0c\u5047\u8a2d\u4f60\u7684\u5e74\u85aa=\u53f0\u7063\u4eba\u5747\u5e74\u6536\u5165100\u842c\u5143<\/a>)\uff0c\u9019\u6642\u7684\u4f60\u6703\u4e00\u5982\u5f80\u5e38\u7684\u8d77\u5e8a\u3001\u901a\u52e4\u3001\u4e0a\u73ed… \u9084\u662f\u6703\u5be2\u98df\u96e3\u5b89\uff0c\u61f7\u7591\u81ea\u5df1\u662f\u4e0d\u662f\u505a\u51fa\u4e86\u932f\u8aa4\u7684\u6295\u8cc7\u6c7a\u5b9a? \u4f46\uff0c\u5982\u679c\u4f60\u7684100\u842c\u6295\u8cc7\u7d44\u5408\u662f60% SPY + 40% TLT<\/a>(\u7f8e\u570b\u9577\u5929\u671f\u516c\u50b5)<\/mark><\/strong>\u5462? \u7d50\u679c\u662f..\u96d6\u7136\u4ecd\u7136\u8667\u640d\uff0c\u4f46\u640d\u5931\u5c07\u9650\u5236\u572820\u842c\u5143\u5de6\u53f3(\u540c\u671f\u9593SPY\u8667\u640d34\u842c\u5143)\uff0c\u4e0b\u5716\u662f\u5169\u8005\u5dee\u7570 :<\/p>\n\n\n\n

\"\u65b0\u51a0\u80ba\u708e\u671f\u9593S&P500vs6040\u80a1\u50b5\u914d\u7f6e\u8dcc\u5e45\"
100\u842c\u5143\u7684\u7d14SPY vs 60%SPY+40%TLT\u57282020\u5e74\u65b0\u51a0\u80ba\u708e\u7206\u767c\u521d\u671f\u8dcc\u52e2<\/figcaption><\/figure>\n\n\n\n

\u5982\u679c\u628a\u6642\u9593\u62c9\u9577\u4f86\u770b : <\/p>\n\n\n\n

\"\u81ea\u6b77\u53f2\u65b0\u9ad8\u8dcc\u5e45(%)
2008\u91d1\u878d\u6d77\u562f\u30012011\u6b50\u50b5\u5371\u6a5f\u53ca2020\u65b0\u51a0\u80ba\u708e\u7b49\u5e7e\u6b21\u5e02\u5834\u5927\u8dcc\u6642\uff0c60\/40\u80a1\u50b5\u914d\u7f6e\u8dcc\u5e45\u7686\u9060\u5c0f\u65bc\u6301\u6709100%SPY<\/figcaption><\/figure>\n\n\n\n

60\/40\u80a1\u50b5\u914d\u7f6e\u53ef\u4ee5\u964d\u4f4e\u6295\u8cc7\u98a8\u96aa..\u4f46\u7b49\u7b49\uff0c\u50b5\u5238\u662f\u4ec0\u9ebc?<\/h2>\n\n\n\n

\u4e0a\u5716\u53ef\u4ee5\u770b\u51fa60%\u7f8e\u80a1\u5927\u76e4ETF & 40%\u50b5\u5238\u914d\u7f6e\u5728\u4e0b\u8dcc\u6642\uff0c\u8dcc\u5e45\u660e\u986f\u5c0f\u65bc100%\u7684\u5927\u76e4ETF<\/mark><\/strong>\uff0c\u4f46\u50b5\u5238\u53c8\u662f\u4ec0\u9ebc\u5462 :
\u767c\u884c\u4eba\u6c7a\u5b9a\u597d\u8981\u8ddf\u5927\u5bb6\u501f\u500b\u5e7e\u5e74\u7684\u9322\uff0c\u6bcf\u5e74\u56fa\u5b9a\u767c\u4e00\u9ede\u5229\u606f\u5f8c\uff0c\u5c31\u628a\u9019\u500b\u5e33\u9762\u50f9\u503c100\u584a\u7684\u501f\u64da\u4e1f\u5230\u5e02\u5834\u4e0a\u8b93\u6295\u8cc7\u4eba\u81ea\u7531\u8cb7\u8ce3\uff0c\u5230\u671f\u7684\u6642\u5019\u7121\u8ad6\u4f60\u7576\u521d\u5728\u5e02\u5834\u4e0a\u662f\u752890\u584a\u6216107\u584a\u8cb7\u9032\uff0c\u4ed6\u90fd\u9084\u662f\u9084\u4f60100\u584a+\u6700\u5f8c\u4e00\u671f\u5229\u606f – \u9019\u5c31\u662f\u50b5\u5238\uff0c\u5920\u7c21\u55ae\u800c\u4e14\u7121\u804a\u5427? \u80a1\u7968\u6295\u8cc7\u4eba\u5e0c\u671b\u4e00\u9593\u516c\u53f8\u7684\u696d\u7e3e\u84b8\u84b8\u65e5\u4e0a\uff0c\u8d8a\u8cfa\u8d8a\u591a\u9032\u800c\u5e36\u52d5\u80a1\u50f9&\u80a1\u5229\u4e0a\u5347\uff1b\u800c\u8cb7\u50b5\u5238\u7684\u4eba\u5462? \u4ed6\u5011\u53ea\u5e0c\u671b\u9019\u5bb6\u516c\u53f8(\u6216\u570b\u5bb6)\u5728\u9084\u4ed6100\u584a\u524d\u4e0d\u8981\u7834\u7522\uff0c\u9019\u6a23\u4ed6\u5c31\u53ef\u4ee5\u7a69\u7a69\u5730\u8cfa\u6bcf\u5e74\u7684\u914d\u606f&\u5230\u671f\u6642\u53ef\u80fd\u768410\u584a\u9322\u7372\u5229(\u5982\u679c\u9019\u500b\u6295\u8cc7\u4eba\u4ee590\u584a\u8cb7\u9032)\u3002<\/strong>\u4e5f\u56e0\u70ba\u50b5\u5238\u7684\u914d\u606f\u5728\u767c\u884c\u6642\u5c31\u5df2\u7d93\u6c7a\u5b9a\uff0c\u5230\u671f\u6642\u80fd\u6536\u56de\u7684\u91d1\u984d\u4e5f\u662f\u78ba\u5b9a\u7684\uff0c\u6240\u4ee5\u901a\u5e38\u8f03\u914d\u606f\u4e0d\u78ba\u5b9a\uff0c\u672a\u4f86\u50f9\u683c\u9ad8\u4f4e\u4e5f\u540c\u6a23\u4e0d\u78ba\u5b9a\u7684\u80a1\u7968\u4f86\u5f97\u7a69\u5b9a..\u55ce?<\/p>\n\n\n\n

\"\"
SPY\u53caTLT\u622a\u81f32024\/02\/27\u7684\u4e09\u3001\u4e94\u3001\u5341\u5e74\u6ce2\u52d5\u7a0b\u5ea6(\u6a19\u6e96\u5dee)<\/figcaption><\/figure>\n\n\n\n

\u5982\u679c\u4f60\u6c7a\u5b9a\u8cb7\u5165\u4e00\u6a94\u50b5\u5238\u5f8c\uff0c\u6301\u6709\u5b83\u76f4\u5230\u5230\u671f\u65e5(\u767c\u884c\u4eba\u9084\u4f60\u50b5\u5238\u5e33\u9762\u50f9\u503c\u7684100%\u91d1\u984d)\uff0c\u90a3\u5f9e\u8cb7\u5165\u7684\u7576\u4e0b\u5c31\u53ef\u4ee5\u77e5\u9053\u5e74\u5831\u916c\u7387\u3002\u4f46\u5728\u5230\u671f\u65e5\u524d\uff0c\u50b5\u5238\u50f9\u683c\u5c07\u96a8\u5e02\u5834\u5229\u7387\u8d77\u4f0f\uff0c\u5f9e\u8861\u91cf\u91d1\u878d\u5546\u54c1\u7684\u50f9\u683c\u8b8a\u52d5\u98a8\u96aa(\u6a19\u6e96\u5dee)\u4f86\u770b\uff0c\u50b5\u5238\u98a8\u96aa\u96d6\u7136\u9084\u662f\u4f4e\u65bc\u80a1\u7968\uff0c\u4f46\u5dee\u5225\u4e26\u4e0d\u662f\u975e\u5e38\u660e\u986f(\u5982\u4e0a\u5716)\uff0c\u6240\u4ee5\u4e26\u4e0d\u662f\u56e0\u70ba\u50b5\u5238\u50f9\u683c\u7a69\u5b9a\u800c\u4f7f60\/40\u80a1\u50b5\u914d\u7f6e\u6709\u8f03\u4f73\u7684\u6297\u8dcc\u80fd\u529b<\/strong>\uff0c\u800c\u662f\u56e0\u70ba\u80a1\u5e02\u5927\u8dcc\u6642\u50b5\u5238\u901a\u5e38\u6703\u5927\u6f32<\/mark><\/strong>(\u9019\u6642\u5169\u8005\u50f9\u683c\u8d70\u52e2\u5f37\u70c8\u8ca0\u76f8\u95dc) :<\/p>\n\n\n\n

\"\u671f\u521d\u5206\u5225\u6295\u5165100\u842c\u5143\u4e4bSPY
2002\u5e747\u6708\u5e95\u5206\u5225\u6295\u5165100\u842c\u5143\u81f3SPY\u53caTLT\u5f8c\u7684\u8cc7\u7522\u5e02\u503c\u8d70\u52e2<\/figcaption><\/figure>\n\n\n\n

\u6c92\u6709\u6700\u5b8c\u7f8e\u7684\u6295\u8cc7\u7d44\u5408 – 60\/40\u80a1\u50b5\u914d\u7f6e\u4e5f\u4e0d\u4f8b\u5916<\/h2>\n\n\n\n

\u81ea2002\u5e747\u6708\u5e95(TLT\u65bc2002\/07\/30\u4e0a\u5e02\u4ea4\u6613)\u81f32024\u5e742\u6708\u5e95\uff0c\u572821.5\u5e74\u7684\u6642\u9593\u88e1\uff0c60\/40\u80a1\u50b5\u914d\u7f6e\u5e73\u5747\u5e74\u5316\u5831\u916c\u7387\u70ba8.7%<\/strong>\uff0c\u540c\u671f\u9593\u88e1\u7f8e\u80a1\u5927\u76e4ETF\u7684\u5e74\u5831\u916c\u5247\u9ad8\u905410.4%<\/strong> : \u52a0\u5165\u50b5\u5238\u5f8c\u7684\u80a1\u50b5\u914d\u7f6e\u72a7\u7272\u4e86\u66f4\u9ad8\u7684\u5831\u916c\u7387\u4f86\u63db\u53d6\u8f03\u70ba\u5e73\u7a69\u7684\u4e0a\u6f32<\/mark><\/strong>(\u5982\u4e0b\u5716)\uff0c\u800c\u9019\u4e5f\u662f\u4e00\u822c\u4eba\u96a8\u8457\u5e74\u7d00\u589e\u52a0\uff0c\u589e\u50b5\u6e1b\u80a1\u964d\u4f4e\u98a8\u96aa\u7684\u4e0d\u932f\u9078\u64c7\u3002<\/p>\n\n\n\n

\"100%SPY
100%SPY & 60%SPY + 40%TLT \u81ea2002\/07\u5f8c\u4e0a\u6f32\u5e45\u5ea6<\/figcaption><\/figure>\n\n\n\n

\u7e3d\u7d50<\/h2>\n\n\n\n

\u6295\u8cc7\u6c92\u6709\u5169\u5168\u5176\u7f8e\uff0c\u8eab\u8655\u5e02\u5834\u7684\u6295\u8cc7\u4eba\u4e5f\u90fd\u4e0d\u662f\u5927\u4eba\uff0c\u6211\u5011\u53ea\u80fd\u50cf\u96fb\u5f71\u300a\u4e5d\u54c1\u829d\u9ebb\u5b98\u300b\u88e1\u57ce\u7ba1\u8c79\u982d\u53e3\u4e2d\u7684\u300c\u5c0f\u5b69\u300d\u4e00\u6a23\u505a\u51fa\u9078\u64c7 : \u4f60\u8981\u7684\u662f\u9577\u671f\u7684\u5831\u916c\u7387\u8f03\u9ad8\uff0c\u4f46\u904e\u7a0b\u5982\u5750\u96f2\u9704\u98db\u8eca\u822c\u8b93\u4eba\u814e\u4e0a\u817a\u7d20\u72c2\u98c6(100%\u7684\u7f8e\u80a1\u5927\u76e4ETF)\uff1b\u6216\u662f\u76f8\u5c0d\u4e2d\u5eb8\u7684\u5831\u916c\uff0c\u4f46\u7576\u51fa\u73fe\u9ed1\u5929\u9d5d\u4e8b\u4ef6\u6642\u665a\u4e0a\u4ecd\u8f03\u5bb9\u6613\u9032\u5165\u5922\u9109\u5462?(\u52a0\u5165\u50b5\u5238\u505a\u80a1\u50b5\u914d\u7f6e)<\/strong><\/p>\n\n\n\n

\n

Sources<\/strong><\/p>\niShares 20+ Year Treasury Bond ETF (TLT) Stock Historical Prices & Data – Yahoo Finance<\/a>
SPDR S&P 500 ETF Trust (SPY) Stock Historical Prices & Data – Yahoo Finance<\/a>
SPY \u2013 Risk \u2013 SPDR\u00ae S&P 500 ETF Trust | Morningstar<\/a>
TLT \u2013 Risk \u2013 iShares 20+ Year Treasury Bond ETF | Morningstar<\/a><\/cite><\/blockquote>","protected":false},"excerpt":{"rendered":"

\u6295\u8cc7\u6c92\u6709\u5169\u5168\u5176\u7f8e\uff0c\u8eab\u8655\u5e02\u5834\u7684\u6295\u8cc7\u4eba\u4e5f\u90fd\u4e0d\u662f\u5927\u4eba\uff0c\u6211\u5011\u53ea\u80fd\u50cf\u96fb\u5f71\u300a\u4e5d\u54c1\u829d\u9ebb\u5b98\u300b\u88e1\u57ce\u7ba1\u8c79\u982d\u53e3\u4e2d\u7684\u300c\u5c0f\u5b69\u300d\u4e00\u6a23\u505a\u51fa\u9078\u64c7..<\/p>","protected":false},"author":1,"featured_media":655,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[37],"tags":[54,55,44,56,50,52],"class_list":["post-552","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","tag-54","tag-55","tag-44","tag-56","tag-50","tag-52"],"blocksy_meta":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2024\/02\/ivan-aleksic-8QgQnUhYs7w-unsplash-scaled.jpg?fit=1764%2C2560&ssl=1","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/552","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/comments?post=552"}],"version-history":[{"count":6,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/552\/revisions"}],"predecessor-version":[{"id":809,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/552\/revisions\/809"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/media\/655"}],"wp:attachment":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/media?parent=552"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/categories?post=552"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/tags?post=552"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}