To Diversify or Not to Diversify
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Rui12ld Escreveu:JCS concordo perfeitamente,
e depois há outra coisas que acontece quando se tem umas 20 a 30 acções que se acompanham com atenção, que é:
1º Ganha-se um gosto diferente, tipo "aquela empresa tb é minha", ou quando se passa por uma loja dela ou se vê/ouve um anúncio uma pessoa associa logo ao facto de ser accionista da empresa.
2º E mais importante fica-se a saber os ciclos da empresa. Quando saem novos produtos; vai-se ao site (quantos aqui no CB já foram aos sites da NVDA, JDSU, etc?); sabe-se quem é a administração e gosta-se dela ou não, acompanha-se a apresentação de resultados, opina-se sobre a estrtégia, etc. Estes pormenores todos somados (no meu caso cada vez mais) fazem a diferença. E sobretudo dão gozo!
Abraço
Sem duvida.
---Tudo o que for por mim escrito expressa apenas a minha opinião pessoal e não é uma recomendação de investimento de qualquer tipo---
https://twitter.com/JCSTrendTrading
"We can confidently predict yesterdays price. Everything else is unknown."
"Every trade is a test"
"Price is the aggregation of everyone's expectations"
"I don't define a good trade as a trade that makes money. I define a good trade as a trade where I did the right thing". (Trend Follower Kevin Bruce, $5000 to $100.000.000 in 25 years).
https://twitter.com/JCSTrendTrading
"We can confidently predict yesterdays price. Everything else is unknown."
"Every trade is a test"
"Price is the aggregation of everyone's expectations"
"I don't define a good trade as a trade that makes money. I define a good trade as a trade where I did the right thing". (Trend Follower Kevin Bruce, $5000 to $100.000.000 in 25 years).
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- Mensagens: 4582
- Registado: 15/7/2003 14:59
- Localização: Lisboa
JCS concordo perfeitamente,
e depois há outra coisas que acontece quando se tem umas 20 a 30 acções que se acompanham com atenção, que é:
1º Ganha-se um gosto diferente, tipo "aquela empresa tb é minha", ou quando se passa por uma loja dela ou se vê/ouve um anúncio uma pessoa associa logo ao facto de ser accionista da empresa.
2º E mais importante fica-se a saber os ciclos da empresa. Quando saem novos produtos; vai-se ao site (quantos aqui no CB já foram aos sites da NVDA, JDSU, etc?); sabe-se quem é a administração e gosta-se dela ou não, acompanha-se a apresentação de resultados, opina-se sobre a estrtégia, etc. Estes pormenores todos somados (no meu caso cada vez mais) fazem a diferença. E sobretudo dão gozo!
Abraço
e depois há outra coisas que acontece quando se tem umas 20 a 30 acções que se acompanham com atenção, que é:
1º Ganha-se um gosto diferente, tipo "aquela empresa tb é minha", ou quando se passa por uma loja dela ou se vê/ouve um anúncio uma pessoa associa logo ao facto de ser accionista da empresa.
2º E mais importante fica-se a saber os ciclos da empresa. Quando saem novos produtos; vai-se ao site (quantos aqui no CB já foram aos sites da NVDA, JDSU, etc?); sabe-se quem é a administração e gosta-se dela ou não, acompanha-se a apresentação de resultados, opina-se sobre a estrtégia, etc. Estes pormenores todos somados (no meu caso cada vez mais) fazem a diferença. E sobretudo dão gozo!
Abraço
-
- Mensagens: 400
- Registado: 4/2/2004 19:57
- Localização: Lisboa
PENSO QUE:
Tal assunto é subjectivo; complexo.
1- depende do montante da carteira VERSUS "preparação"-pessoal; "Perfil" etc.
Geralmente eu vou a um maximo de 5 activos
Gosto da divisão da carteira em 10 - implica 10% da carteira e tal permite MENTALMENTE & Forma SIMPLES fazer CALCULOS MENTAIS ; quer pelo ganho/perda no trade quer o IMPACTO na carteira Global.
Mas usando sempre em consideração tal divisoria por dez posso "ESTRATEGICAMENTE" fazer entradas do dobro triplo etc para saidas parciais etc etc, dependendo do MOMENTUM&Activo.
Posso tb usar entradas parciais etc etc.
Por vezes AGRADA_ME em vez de diversificar RE_INVESTIR/Reforçar o mesmo activo mas tais trades-reforço são sobre o mesmo activo mas vejos como em separado ou não, dependendo de varios factores.
Concordo que não deversificar pode ser EXTREMAMENTE VANTAJOSO, mas para tal é necessário "MUITA, mas MUITA INFO FIDEDIGNA sobre o activo etc etc etc , que por vezes não é possivel ter.
Se tivesse INFO " INTERESSANTE" ai sem duvida optava pela não diversificação.
Tal assunto é subjectivo; complexo.
1- depende do montante da carteira VERSUS "preparação"-pessoal; "Perfil" etc.
Geralmente eu vou a um maximo de 5 activos
Gosto da divisão da carteira em 10 - implica 10% da carteira e tal permite MENTALMENTE & Forma SIMPLES fazer CALCULOS MENTAIS ; quer pelo ganho/perda no trade quer o IMPACTO na carteira Global.
Mas usando sempre em consideração tal divisoria por dez posso "ESTRATEGICAMENTE" fazer entradas do dobro triplo etc para saidas parciais etc etc, dependendo do MOMENTUM&Activo.
Posso tb usar entradas parciais etc etc.
Por vezes AGRADA_ME em vez de diversificar RE_INVESTIR/Reforçar o mesmo activo mas tais trades-reforço são sobre o mesmo activo mas vejos como em separado ou não, dependendo de varios factores.
Concordo que não deversificar pode ser EXTREMAMENTE VANTAJOSO, mas para tal é necessário "MUITA, mas MUITA INFO FIDEDIGNA sobre o activo etc etc etc , que por vezes não é possivel ter.
Se tivesse INFO " INTERESSANTE" ai sem duvida optava pela não diversificação.
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Uma ideia base que Warren Buffett aponta (e que é inteiramente verdade!) é que: Quanto mais se diversifica, menos hipotese se tem de ultrapassar a performance do mercado.
JCS
JCS
---Tudo o que for por mim escrito expressa apenas a minha opinião pessoal e não é uma recomendação de investimento de qualquer tipo---
https://twitter.com/JCSTrendTrading
"We can confidently predict yesterdays price. Everything else is unknown."
"Every trade is a test"
"Price is the aggregation of everyone's expectations"
"I don't define a good trade as a trade that makes money. I define a good trade as a trade where I did the right thing". (Trend Follower Kevin Bruce, $5000 to $100.000.000 in 25 years).
https://twitter.com/JCSTrendTrading
"We can confidently predict yesterdays price. Everything else is unknown."
"Every trade is a test"
"Price is the aggregation of everyone's expectations"
"I don't define a good trade as a trade that makes money. I define a good trade as a trade where I did the right thing". (Trend Follower Kevin Bruce, $5000 to $100.000.000 in 25 years).
-
- Mensagens: 4582
- Registado: 15/7/2003 14:59
- Localização: Lisboa
Eu também não diversifico. Raramente invisto simultânemanete em mais de 2 empresas (3 máx). Estou neste momento com 85% BCP e 15% Prisa.
Por concordar considero estas duas frases do teu texto fenomenais:
"Diversification is a protection against ignorance. It makes very little sense for those who know what they are doing."
"One of the reasons the rich get richer is because they are focusing, while the middle class is diversifying, and the poor are counting on Social Security."
Cumprimentos
JCS
Por concordar considero estas duas frases do teu texto fenomenais:
"Diversification is a protection against ignorance. It makes very little sense for those who know what they are doing."
"One of the reasons the rich get richer is because they are focusing, while the middle class is diversifying, and the poor are counting on Social Security."
Cumprimentos
JCS
---Tudo o que for por mim escrito expressa apenas a minha opinião pessoal e não é uma recomendação de investimento de qualquer tipo---
https://twitter.com/JCSTrendTrading
"We can confidently predict yesterdays price. Everything else is unknown."
"Every trade is a test"
"Price is the aggregation of everyone's expectations"
"I don't define a good trade as a trade that makes money. I define a good trade as a trade where I did the right thing". (Trend Follower Kevin Bruce, $5000 to $100.000.000 in 25 years).
https://twitter.com/JCSTrendTrading
"We can confidently predict yesterdays price. Everything else is unknown."
"Every trade is a test"
"Price is the aggregation of everyone's expectations"
"I don't define a good trade as a trade that makes money. I define a good trade as a trade where I did the right thing". (Trend Follower Kevin Bruce, $5000 to $100.000.000 in 25 years).
-
- Mensagens: 4582
- Registado: 15/7/2003 14:59
- Localização: Lisboa
To Diversify or Not to Diversify
"Why the Rich Get Richer
by Robert Kiyosaki
Finance Home > Why the Rich Get Richer > To Diversify or Not to Diversify
To Diversify or Not to Diversify
by Robert KiyosakiUtility Links
Printable ViewEmail this Page
Monday, November 28, 2005
Warren Buffett, one of the world's greatest investors, said, "Diversification is a protection against ignorance. It makes very little sense for those who know what they are doing."
Many financial advisors recommend that you diversify for your own protection. What they fail to tell you is that it is also for their protection. Since most financial advisors cannot tell you exactly which stock or mutual fund is a great investment, they tell you to buy a bunch of them.
Instead of diversifying, my rich dad taught me to focus on finding the best investments. That meant sifting through hundreds of offers, studying, analyzing, and determining the pros and cons of each. Learning to focus was one of the best real-world business lessons I received from my rich dad. It helped me become a better entrepreneur and investor. Focusing on investments also allows me to make more money with less risk, because I'm not buying a bunch of sub-par assets and praying they will do something.
Meet Your Financial Advisor
In a previous column, I wrote about the Employee Retirement Income Security Act (ERISA), which eventually gave birth to programs such as the 401(k). One of the reasons ERISA is significant is because it forced millions of employees to become investors, investors without any financial training or education.
This was a big boost to the financial services industry, which set out to hire thousands of people to service this new group of employees who needed to become investors. Suddenly, people without much financial education became "professional financial advisors." School teachers, used car salesmen, housewives, and insurance agents found new careers as financial advisors selling investments to people just like themselves.
A recent article in a Denver newspaper featured the plight of United Airlines pilots who lost much of their pensions due to the company's bankruptcy. When one retired pilot was asked what he was going to do now that his pension had been cut from $11,000 a month to $2,300 a month, the 62-year-old pilot said, "I'm going to become a financial planner."
I'm pretty certain he, too, will recommend diversification.
Two Factors That Justify Diversification
So why do financial advisors recommend diversification when the world's greatest investor chooses not to diversify? I believe there are two answers to this question.
Active vs. passive investing. There are active and passive investors. Warren Buffett is an active investor. Most people are not. Active investors should focus. Passive investors should diversify.
Risk. Some investments are riskier than others. Stocks, bonds, mutual funds, and real estate investment trusts (REITs) are very risky investments, hence you should diversify if you invest in them. If you invest in businesses, as Warren Buffett does, or real estate, as I do, you should focus.
The real question is: Do you want to become a professional investor or remain an amateur? If you choose to remain an amateur -- a passive investor -- then, by all means, diversify. Diversification keeps you from "putting all your eggs into one basket," so if one industry collapses -- as tech did famously in 2000 -- only a portion of your portfolio will be affected.
If, however, you decide to become a professional investor, the price of entry is focused dedication, time, and study. Warren Buffett dedicated his life to becoming the best investor he could be. That is why he focuses and does not diversify. He does not need to protect himself from ignorance simply because he has invested time and money to understand what he is doing.
Intense Focus, Intense Rewards
In Hawaii, there is a great organization known as Winners Camp. It teaches teenagers the attitudes and skills required for success in life. Winners Camp uses the word "focus" as an acronym, standing for "Follow One Course Until Successful." I believe all children should be taught to focus, as should any investor who wants to be a rich investor.
If you look at anyone who has achieved great success and wealth, people like Warren Buffett, Oprah Winfrey, or Lance Armstrong, they have all focused intensely in order to win.
One of the reasons the rich get richer is because they are focusing, while the middle class is diversifying, and the poor are counting on Social Security."
Ok daqui lanço a questão quem aqui no CB diversifica?
Eu assumo que não, neste momento estou a 100% em AGP mas antes tive a 100% em PT, em JDSU na TASR (agora mudou de tick hehehe) em RBAK e noutras...
O meu motivo inicial (há 2 anos atrás) para não diversificar era o facto de não querer pagar comissões. Embora estas sejam elevadas não consigo pensar num motivo mais imbecil, mas os tempos mudam e ao fim de algum tempo vai-se aprendendo algo.
O motivo agora é mesmo a busca de eficiência e de maximização dos proveitos.
Abraço
by Robert Kiyosaki
Finance Home > Why the Rich Get Richer > To Diversify or Not to Diversify
To Diversify or Not to Diversify
by Robert KiyosakiUtility Links
Printable ViewEmail this Page
Monday, November 28, 2005
Warren Buffett, one of the world's greatest investors, said, "Diversification is a protection against ignorance. It makes very little sense for those who know what they are doing."
Many financial advisors recommend that you diversify for your own protection. What they fail to tell you is that it is also for their protection. Since most financial advisors cannot tell you exactly which stock or mutual fund is a great investment, they tell you to buy a bunch of them.
Instead of diversifying, my rich dad taught me to focus on finding the best investments. That meant sifting through hundreds of offers, studying, analyzing, and determining the pros and cons of each. Learning to focus was one of the best real-world business lessons I received from my rich dad. It helped me become a better entrepreneur and investor. Focusing on investments also allows me to make more money with less risk, because I'm not buying a bunch of sub-par assets and praying they will do something.
Meet Your Financial Advisor
In a previous column, I wrote about the Employee Retirement Income Security Act (ERISA), which eventually gave birth to programs such as the 401(k). One of the reasons ERISA is significant is because it forced millions of employees to become investors, investors without any financial training or education.
This was a big boost to the financial services industry, which set out to hire thousands of people to service this new group of employees who needed to become investors. Suddenly, people without much financial education became "professional financial advisors." School teachers, used car salesmen, housewives, and insurance agents found new careers as financial advisors selling investments to people just like themselves.
A recent article in a Denver newspaper featured the plight of United Airlines pilots who lost much of their pensions due to the company's bankruptcy. When one retired pilot was asked what he was going to do now that his pension had been cut from $11,000 a month to $2,300 a month, the 62-year-old pilot said, "I'm going to become a financial planner."
I'm pretty certain he, too, will recommend diversification.
Two Factors That Justify Diversification
So why do financial advisors recommend diversification when the world's greatest investor chooses not to diversify? I believe there are two answers to this question.
Active vs. passive investing. There are active and passive investors. Warren Buffett is an active investor. Most people are not. Active investors should focus. Passive investors should diversify.
Risk. Some investments are riskier than others. Stocks, bonds, mutual funds, and real estate investment trusts (REITs) are very risky investments, hence you should diversify if you invest in them. If you invest in businesses, as Warren Buffett does, or real estate, as I do, you should focus.
The real question is: Do you want to become a professional investor or remain an amateur? If you choose to remain an amateur -- a passive investor -- then, by all means, diversify. Diversification keeps you from "putting all your eggs into one basket," so if one industry collapses -- as tech did famously in 2000 -- only a portion of your portfolio will be affected.
If, however, you decide to become a professional investor, the price of entry is focused dedication, time, and study. Warren Buffett dedicated his life to becoming the best investor he could be. That is why he focuses and does not diversify. He does not need to protect himself from ignorance simply because he has invested time and money to understand what he is doing.
Intense Focus, Intense Rewards
In Hawaii, there is a great organization known as Winners Camp. It teaches teenagers the attitudes and skills required for success in life. Winners Camp uses the word "focus" as an acronym, standing for "Follow One Course Until Successful." I believe all children should be taught to focus, as should any investor who wants to be a rich investor.
If you look at anyone who has achieved great success and wealth, people like Warren Buffett, Oprah Winfrey, or Lance Armstrong, they have all focused intensely in order to win.
One of the reasons the rich get richer is because they are focusing, while the middle class is diversifying, and the poor are counting on Social Security."
Ok daqui lanço a questão quem aqui no CB diversifica?
Eu assumo que não, neste momento estou a 100% em AGP mas antes tive a 100% em PT, em JDSU na TASR (agora mudou de tick hehehe) em RBAK e noutras...
O meu motivo inicial (há 2 anos atrás) para não diversificar era o facto de não querer pagar comissões. Embora estas sejam elevadas não consigo pensar num motivo mais imbecil, mas os tempos mudam e ao fim de algum tempo vai-se aprendendo algo.
O motivo agora é mesmo a busca de eficiência e de maximização dos proveitos.
Abraço
-
- Mensagens: 400
- Registado: 4/2/2004 19:57
- Localização: Lisboa
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