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设定2026年的投资组合预期

预期回报只是构建投资组合的起点

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    • 在审视预期回报时，我们必须认识到没有人能预知未来，而且时间范围越短，不确定性就越大。
    • 在审视预期回报时，我们必须认识到没有人能预知未来，而且时间范围越短，不确定性就越大。 图片来源：PIXABAY

    DeeperDive is a beta AI feature. Refer to full articles for the facts.

    Steve Brice

    Published Tue, Nov 11, 2025 · 01:32 PM

    本文由AI辅助翻译

    查看原文

    我们又将迎来制定“新年计划”的时刻。许多人承诺要关注的领域之一就是他们的退休计划。虽然如何最好地实现这一目标的理论相对简单——还清高息债务、减少开支、增加储蓄并进行投资——但实践起来却要复杂得多。我需要储蓄多少钱？我应该投资什么？以及，我的投资能获得怎样的回报？这些都是复杂的问题。

    前两个是非常个人化的决定，取决于您希望在退休后过上什么样的生活，以及您承受市场回撤的能力。然而，如果不先对第三个问题做出假设，前两个问题是无法回答的。所以，让我们从这里开始。

    回报预期

    在审视预期回报时，我们必须认识到：1）没有人能预知未来；2）时间范围越短，不确定性就越大。

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