TAILIEUCHUNG - Lessons for Building a Winning Portfolio_11

Trong ví dụ trên, nó sẽ có chi phí Ted vài trăm đô la mỗi năm. Không có gì là kỳ diệu về đầu tư hàng quý hoặc một kế hoạch tổng thể ba năm. Giáo sư Edleson không đề nghị một chương trình đầu tư hàng quý, nhưng bạn có thể chỉnh độ dài của kế hoạch của bạn để phù hợp với thị hiếu của bạn. | Getting Started Keeping It Going 285 A few fine points should be mentioned. This is a somewhat simplified version of Edleson s method. In addition to increasing the target value for each quarter by a fixed amount he also builds in further growth into the path. For ease of understanding I have not done so. His book by the way is extremely hard to find. At the time of this writing Fourstar Books http still has copies in stock. It should be obvious that value averaging should not be done with exchange-traded funds as doing so would incur a separate fee for each transaction. In the above example it would cost Ted several hundred dollars each year. There is nothing magic about quarterly investments or a three-year overall plan. Professor Edleson does recommend a quarterly investment program but you can tailor the length of your plan to suit your tastes. I suggest a minimum of two to three years for funding if market history is any guide you should have an authentic bear market or at least a correction during this time. This will enable you to test your resolve with the relatively small mandated infusions and to ultimately convince yourself of the value of rebalancing. Last there will be some months when the market is doing very well and you may actually be above the target for a given asset for that month on the path. Theoretically you should sell some of the asset to get back down to the target amount. Don t do it particularly in a taxable account as this will incur unnecessary capital gains. This method is about the best technique available in my opinion for establishing a balanced allocation. But it is not perfect. As already pointed out if there is a global bear market you will run out of cash long before three years is up. The opposite will happen if stock prices rise dramatically. If you are value averaging into both taxable and sheltered accounts as In-Between Ida would have to do it is likely that after a time the taxable and sheltered .

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