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HomeInvertir¿Cuál es la cartera 60/40 y quién debería usarla?

¿Cuál es la cartera 60/40 y quién debería usarla?

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El mercado de títulos es una excelente modo de ocasionar riqueza, pero a veces puede ser congruo volátil. Los inversores que carecen del tiempo o la tolerancia al aventura para soportar tal volatilidad tienden a agenciárselas estrategias más seguras. Esto es lo que da empleo a estrategias como la cartera de 60/40.

En empleo de volver la gran mayoría de su cartera en acciones, agrega una asignación sustancial de bonos. Al hacerlo, agrega estabilidad mientras permite que su cartera crezca con el tiempo. Si admisiblemente este enfoque tiene sus pros y contras, puede funcionar admisiblemente para el inversor adecuado.

Control de espita

  • En una cartera de 60/40, el 60 por ciento de los activos de un inversor están dedicados a las acciones y el 40 por ciento están destinados a inversiones estables, como bonos.

  • Esta mezcla está diseñada para ofrecer crecimiento al tiempo que proporciona una medida de estabilidad e ingresos para dominar la volatilidad universal.

  • Aunque los inversores a dilatado plazo pueden ofrendar algunos retornos con una asignación de acciones/bonos 60/40, se considera apropiado para aquellos con una tolerancia moderada para el aventura.

¿Qué es una cartera de 60/40?

Una cartera de 60/40 es generalmente una que tiene una asignación del 60 por ciento a las acciones y una asignación del 40 por ciento a los bonos. Esto le brinda el potencial de crecimiento de las acciones combinadas con la estabilidad de los enlaces, que tienden a ser menos volátil.

En otras palabras, amplificar una asignación de enlaces más ínclito puede dominar parte del aventura de depreciación de una cartera de acciones. Esto significa que una cartera de 60/40 puede ser más resistente cuando el mercado de títulos cae.

La asignación de bonos de la cartera de 60/40 incluso proporciona a los inversores ingresos fijos. Los bonos son una forma de deuda, y los inversores reciben pagos regulares de intereses. (Las acciones incluso pueden sufragar intereses en forma de dividendos, pero ese no siempre es el caso). Diversificar sus tenencias de bonos entre tipos, vencimientos y cualidades de crédito incluso pueden los inversores suaves en diferentes entornos de mercado.

Pros y contras de una cartera de 60/40

Al igual que con todas las estrategias de inversión, la cartera 60/40 tiene su parte de pros y contras:

Pros

  • Diversificación: Esta cartera ofrece a los inversores una modo sencillo de diversificar sus carteras en acciones y bonos. Esto puede ayudar a mitigar el aventura, ya que los dos tipos de inversiones pueden funcionar de modo diferente.
  • Devoluciones equilibradas: Las acciones tienen un detención potencial de crecimiento, mientras que los bonos proporcionan estabilidad e ingresos. La combinación de los dos puede proporcionar rendimientos razonables al tiempo que reduce la volatilidad.
  • Sencillez: La cartera 60/40 es una organización simple que es sencillo de implementar para la mayoría de los inversores.
  • Interpretación histórica: La cartera de 60/40 históricamente ha tenido retornos sólidos y ayudó a amojonar el aventura.

Contras

  • May Sacrife Returns: Una cartera de 60/40 normalmente superará a una cartera de renta de italidad, mientras que el mercado de títulos está inactivo. Sin retención, las acciones tienden a tener mejores rendimientos a dilatado plazo que los bonos. Esto significa que la cartera de 60/40 puede ofrendar algunos retornos en aras de la estabilidad.
  • Peligro de tasa de interés: Los precios de los bonos disminuyen cuando las tasas de interés aumentan, y estas condiciones pueden afectar el valía de la porción de bonos de la cartera de 60/40, como lo hizo en 2022.
  • Cambiar la dinámica del mercado: Algunos expertos creen que la cartera tradicional de 60/40 puede no funcionar tan admisiblemente en el futuro. Esto se debe a las bajas tasas de interés y al potencial de menores rendimientos de las acciones y los bonos.

¿Quién debe considerar la regla 60/40 para su cartera?

En universal, esta cartera es la mejor coincidencia para aquellos con tolerancia al aventura relativamente depreciación e inversores más delante en sus carreras. Por ejemplo, los inversores de mediana vida que no tienen décadas para recuperarse de un mercado con destino a debajo pueden beneficiarse de la cartera de 60/40.

Adicionalmente, aquellos que tienen una tolerancia al aventura moderada pueden preferir esta cartera. Esto se debe a que el saldo entre acciones y bonos puede proporcionar rendimientos razonables al tiempo que proporciona cierta protección contra la volatilidad del mercado de títulos.

Por final, los inversores que desean simplicidad pueden preferir la cartera de 60/40. Esta cartera es sencillo de implementar y gobernar. Esto facilita que el inversionista promedio comience con un enfoque de no intervención.

Preguntas frecuentes

Final

Para muchos inversores, la pregunta no es si volver en acciones frente a bonos, sino cuánto asignar a cada clase de activos. La cartera de 60/40 invierte 60 por ciento en acciones y 40 por ciento en bonos. Este enfoque proporciona a los inversores el potencial de crecimiento de las acciones con la estabilidad adicional y los ingresos de los bonos. Por lo tanto, los inversores pueden conseguir rendimientos razonables mientras mantienen el aventura bajo control. Esto lo hace ideal para los inversores en medio de sus carreras y aquellos con tolerancia al aventura moderada.

Sin retención, los inversores deben entender que pueden ofrendar algunos rendimientos, ya que las acciones han superado históricamente los bonos. Aún así, la cartera de 60/40 es una organización sólida en universal. Para el inversor adecuado, puede proporcionar los resultados deseados mientras adopta un enfoque de volver.

– Dayana Yochim de Bankrate contribuyó a una aggiornamento de este artículo.

See also  Las mejores acciones para invertir a largo plazo

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