美股投资只需一美元?这就是碎股的魅力所在! May 24, 2024

美股投资只需一美元?这就是碎股的魅力所在!

内容
1. 介绍
2. 成本平均法
3. 成本平均法的普及
4. 小变化大影响

 

介绍

在现今快速发展的世界,年轻投资者有着保障他们财务未来的各种机会。但一提到投资,却让这些年轻投资者望而却步,尤其是那些深信”投资需要大量资金”这一迷思的人来说。然而,正是这一批年轻人,通过长期的美元成本平均法投资策略,能够获得最大的收益。现在随着投资门槛的降低,并强调定期投资的重要性,让人能够以低至一美元的小金额轻松踏上积累财富的投资之旅。

 

成本平均法

碎股彻底改变了以美元为基础的投资概念,使投资者能够轻松拥有部分巨头公司股票。这允许年轻投资者将固定金额(如 100 新元)投资于单个股票或多个股票,入股他们喜爱的品牌,如 Spotify (SPOT)、谷歌 (GOOGL)、耐克 (NKE)、苹果 (AAPL)、网飞 (NFLX)、彪马 (PUMA) 和麦当劳 (MCD)。

美股投资只需一美元?这就是碎股的魅力所在!

 

根据上述例子,年轻投资者可以将固定金额持续投资于“科技七巨头”股票,以实现长期财富积累。以美元为基础的平均成本投资简化了持续长期投资的过程。通过从小培养定期投资的习惯,可为长期积累大量财富开辟一条通达之路。

 

受欢迎的美元成本平均投资法

除了直接采用美元成本平均法之外,投资者还可以灵活地投资任何金额,最低投资额只需区区1美元。这种方法允许投资者决定何时投资、在何处分配资金,并可根据个人偏好和财务目标自由定制投资策略。

美股投资只需一美元?这就是碎股的魅力所在!

 

POEMS即将推出的美股碎股功能,即 “捆绑投资”(Bundle Investing),将使客户能够利用平均美元成本投资法(dollar-cost averaging)分散投资组合。例如,考虑将 100 美元的初始投资分配给伯克希尔-哈撒韦公司 (BRK-B)、英伟达 (NVDA)、特斯拉 (TSLA)、亚马逊 (AMZN) 和 苹果公司 (APPL)。其中 50 美元分配给 BRK-B,其余 50 美元平均分配给其他七只股票。假设从年初到三月底都有购买,那么年初至今的业绩估计增长了 16.79%。

美股投资只需一美元?这就是碎股的魅力所在!

 

投资组合管理的地域多元化

将投资组合地域多元化被视为一种风险管理策略,投资者经常使用交易所交易基金(ETFs)有效实现这一目标。下图举例说明将100美元的初始资金平均分配给四种不同的ETF: 先锋富时欧洲ETF(Vanguard FTSE European ETF, VGK)、SPDR 标普 500指数 (SPDR S&P 500 ETF, SPY)、安硕印度股市指数ETF(iShares MSCI India ETF, INDA)和MSCI中国ETF-iShares(iShares MSCI China ETF, MCHI)。从 2024 年 1 月到 2024 年 3 月底的估计年度表现反映出 5.94% 的显著增长,突出了投资组合管理中地域多样化的潜在优势。

美股投资只需一美元?这就是碎股的魅力所在!

 

增强投资组合的灵活性与多样化

利用交易所交易基金的灵活性和多样化优势,年轻的投资者可以在多种投资产品中定制自己的风险管理策略。其中一种受欢迎的方法是经典的60/40投资组合分配,即60%分配给股票,40%分配给债券或其他固定收益资产。通过将黄金等商品纳入投资组合,投资者可以增加额外的分散性和潜在的稳定性。

如上图所示 60/20/20 分配概念的例子。这种方法利用三种 ETF:先锋大盘股市指数基金(Vanguard Total Stock Market Index Fund, VTI)、先锋道达尔国际债券指数基金(Vanguard Total International Bond Index Fund, BNDX) 和 SPDR黄金ETF(SPDR Gold Shares, GLD),将 60% 分配给股票,20% 分配给债券,20% 分配给黄金。从 2024 年 1 月到 2024 年 3 月底,该多元化投资组合的年度业绩为 8.02%。

 

小变化大影响

有了美元成本平均法(Dollar-Cost Averaging)的创新概念和持续投资,即使每天投资一美元也能大大缓解财务问题。从早期开始,每月投资固定金额,可以培养年轻一代的预算、规划和储蓄优先于自由挥霍的习惯。希望为子女投资的父母也可以采用美元成本平均法的投资策略,为子女建立一个多元化的投资组合。尽早开始投资还有助于教育子女了解金融市场、投资策略和长期财务规划,灌输一种富裕而非匮乏的心态。这样一来,年轻一代不仅能保障自己的财务未来,还能踏上自立与财务自由之旅。

 

对美股碎股的投资潜力感到兴奋?

今天就开始在POEMS踏出投资第一步!立即登录 POEMS,开启美股碎股投资,让您的投资之旅更上一层楼。

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此内容为英文翻译版本,若有任何不一致之处,皆以英文版本为准。

 

关于作者

环球市场部美股交易团队

环球市场部美股交易团队专门处理环球市场部的美股市场业务。他们的职责和能力包括管理和接受在美股市场交易的客户订单、技术分析以及为 POEMS 客户提供专业内容。

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