In the context of constantly fluctuating financial markets, the diversification of portfolio has become an important strategy to help investors control risks and profit optimization. Reasonable asset allocation between channels such as securities, real estate, gold and bonds not only helps protect capital but also creates profit opportunities in the long term. No investment channel is absolutely perfect. If only a type of asset is focused, the risk will be great when the market changes.
Many investors learned the lesson of putting all their capital in a single channel and facing heavy losses when the market receded. The reasonable allocation between channels will help reduce the negative impact of a asset on the total list, while helping investors take advantage of opportunities from new trends.
Mr. Nguyen Minh Hai - an investor with more than 10 years of experience - said that he once faced great risks when only focusing on real estate. In the period of 2022-2023, when the real estate market was facing difficulties and liquidity decreased, he was stuck with large investments, causing cash flow to accumulate and it was difficult to have a chance to manage.
After that lesson, he decided to adjust the strategy, shifting a part of capital to securities and gold. Especially when the gold market maintained the price increase, Mr. Hai sold profit and earned a significant profit. He said that the diversification of the portfolio helps him no longer depend on a single channel, which is more flexible in seizing opportunities when there is an investment cash flow.
Like Hai, investor Le Hoang Nam had difficulty focusing on a single investment channel. Mr. Nam was a person who liked corporate bonds due to its stability, but when the bond market was in crisis, many businesses were often slow to pay debts, even losing their solvency, he was photographed. Heavy enjoyment.
“After that, I decided to reissue my portfolio according to a safer principle, with 40% added to gold, 30% in real estate, 20% in stocks and 10% in bonds. This method helps me not be passive when an investment channel is facing difficulties, and can take advantage of opportunities from different fields,” said Mr. Nam.
Regarding the strategy of diversifying the portfolio, Mr. Tran Thanh Tung - personal finance expert - said: “To have a sustainable portfolio, the allocation of assets needs to be based on the principle of flexibility according to Each market period. Each investment channel has its own characteristics and different fluctuations. As economic growth, securities and real estate may be the priority choice. But when the market shows signs of recession, gold and bonds will become a safe shelter. ”
According to Mr. Tung, smart investors not only know how to run after profits but also have a strategy to protect property. The diversification of the portfolio and adjusting the density in each stage will help them control risks better and optimize profits in the long term.
