Ons almal het al foute gemaak \u2013 ook beleggingsfoute. As jy dalk \u2019n groot bedrag geld in \u2019n spesifieke geleentheid bel\u00ea het en iets gaan verkeerd, kan die fout jou baie duur te staan kom. <\/p>\n\n\n\n
Beleggers wat voor 2017 direk in Steinhoff bel\u00ea het, het die afgelope paar weke terugbetalings ontvang. Dit was slegs \u2019n breukdeel van wat hulle bel\u00ea het. Hulle het baie geld verloor en die uiteinde was pynlik. <\/p>\n\n\n\n
So, hoe gaan jy dit verhoed dat jy \u2019n beleggingsbesluit verkeerd kry? N\u00e9\u00e9, jy gaan nie. Jy gaan foute maak. <\/p>\n\n\n\n
Jy kan doodseker van jou saak wees en dan gebeur dit dat Des van Rooyen uit die bloute as minister van finansies aangestel word en die rand oornag skerp verswak, of dat Hamas vir Israel binneval en die olieprys onverwags styg. <\/p>\n\n\n\n
Wat kan jy doen om seker te maak dat jy nie onkant gevang word deur \u2019n swart-swaan-gebeurtenis nie? <\/p>\n\n\n\n
In die konteks van finansies, ekonomie of risikobestuur verwys \u2019n swart-swaan-gebeurtenis na \u2019n onvoorspelbare gebeurtenis wat verder gaan as wat normaalweg verwag word en ernstige gevolge het. Hierdie gebeure is buitengewoon, moeilik om te voorspel en het \u2019n beduidende invloed op die finansi\u00eble markte, ekonomie\u00eb of die samelewing in die geheel.<\/p>\n\n\n\n
Voorbeelde van swart-swaan-gebeure in die geskiedenis sluit in die dot.com-borrel van 2001, die finansi\u00eble krisis van 2008 en die 9\/11-terreuraanvalle. In Suid-Afrika was die Des van Rooyen-aanstelling \u2019n swart-swaan-gebeurtenis en so ook die covid-inperkingsmaatre\u00ebls wat ons ekonomie baie seergemaak het. Hierdie gebeure was onvoorsien, het \u2019n diepgaande uitwerking gehad en het die beperkings van tradisionele risiko-assesseringsmodelle en -strategie\u00eb uitgelig.<\/p>\n\n\n\n
Ons moet dus in ons beleggingstrategie ruimte vir foute toelaat deur \u2019n veiligheidsmarge in ons beleggingsbeplanning in te bou. Dit sal \u2019n veiligheidsnet bied teen onder meer mark-onbestendigheid en onvoorsiene uitdagings.<\/p>\n\n\n\n
As jy ruimte vir foute laat, sal jy baie versigtiger te werk gaan wanneer jy beleggings doen. <\/p>\n\n\n\n
Gegewe die erkenning dat ons vir die moontlikheid van foute voorsiening moet maak, s\u00ea Mohamed El-Erian, een van die w\u00eareld se bekendste ekonome, dat beleggers \u2019n paar goed benodig om suksesvol te bel\u00ea:<\/p>\n\n\n\n
\u201cVeerkragtigheid, wat beteken dat jy \u2019n fout kan absorbeer \u2013 alternatiewelik gestel, \u2019n oop gemoed. Jy moet erken dat daar sekere dinge is wat jy nie weet nie. Jy moet anders kan dink. Jy moet die vermo\u00eb h\u00ea om vinnig te beweeg. Almal moet hulself elke dag afvra: Hoe veerkragtig is ek en wat is my keuse? Hoe ervare is ek in die samestelling van my beleggings?\u201d<\/p>\n\n\n\n
Diversifikasie sal ook \u2019n belangrike rol speel om juis die maak van \u2019n fout te versag. <\/p>\n\n\n\n
Diversifikasie in beleggings is \u2019n risikobestuurstrategie wat behels dat jy jou beleggings oor \u2019n verskeidenheid bates of bateklasse versprei om sodoende blootstelling aan enige enkele belegging of risiko te verminder. Die hoofdoel van diversifikasie is om \u2019n meer stabiele en potensieel ho\u00ebr algehele opbrengs op jou beleggingsportefeulje te behaal, terwyl die risiko van aansienlike verliese of dan foute tot die minimum beperk word. <\/p>\n\n\n\n
Ek het al met mense te doen gehad wat \u2019n sekere inkomste in aftrede benodig en die inkomste kan haal net as markte aanhou styg en nooit daal nie. Dan tree die persoon af en om welke rede is daar \u2019n onverwagse 20%-daling in markte en is sy aftrede in gedrang. <\/p>\n\n\n\n
Ons moet dan allerhande kunsgrepe uithaal om so iemand se aftrede te red. Dalk moes so iemand daaraan gedink het dat markte gereeld daal en nie daardeur verras word nie en berekenings doen asof dit kan gebeur. <\/p>\n\n\n\n
Morgan Housel s\u00ea in sy boek The Psychology of Money<\/span> dat baie min finansi\u00eble planne wat net vir bekende risiko\u2019s voorsiening maak, genoeg van \u2019n veiligheidsmarge in het om in die werklike w\u00eareld te oorleef. Dalk is dit \u2019n genoegsame veiligheidsmarge as jy jou verwagte opbrengste uit \u2019n belegging inkort (met byvoorbeeld 2% per jaar) en dan na bo verras word eerder as om andersom geskok te word. <\/p>\n\n\n\n Ter wille van ons eie gemoedsrus moet ons ruimte vir foute laat, ons beleggings diversifiseer, die markomgewing goed genoeg ken om te weet dat daar altyd wisselvalligheid is en dat swart-swaan-gebeurtenisse gereeld voorkom..<\/span> Dawie Klopper is \u2019n beleggingsekonoom by PSG Wealth. Kontak hom by dawie.klopper@psg.co.za. <\/i><\/p>\n","protected":false},"excerpt":{"rendered":" Ons almal het al foute gemaak \u2013 ook beleggingsfoute. As jy dalk \u2019n groot bedrag geld in \u2019n spesifieke geleentheid bel\u00ea het en iets gaan verkeerd, kan die fout jou baie duur te staan kom.<\/p>\n","protected":false},"author":20,"featured_media":50920,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_linkdex":"","_yoast_wpseo_content_score":"","_yoast_wpseo_inclusive_language_score":"","_yoast_wpseo_is_cornerstone":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","newspack_ads_suppress_ads":false,"newspack_sponsor_sponsorship_scope":"","newspack_sponsor_native_byline_display":"inherit","newspack_sponsor_native_category_display":"inherit","newspack_sponsor_underwriter_style":"inherit","newspack_sponsor_underwriter_placement":"inherit","_crsspst_to_novanewscoza":false,"_crsspst_to_novanewscozabloemnewsexpress":false,"_crsspst_to_novanewscozacityvision":false,"_crsspst_to_novanewscozadistrictmailhelderberg":false,"_crsspst_to_novanewscozaeikestadnuus":false,"_crsspst_to_novanewscozahermanustimes":false,"_crsspst_to_novanewscozakomani-karoo":false,"_crsspst_to_novanewscozakougaexpress":false,"_crsspst_to_novanewscozamthathaexpress":false,"_crsspst_to_novanewscozanoordkaapbulletin":false,"_crsspst_to_novanewscozapeexpress":false,"_crsspst_to_novanewscozapeoplespost":false,"_crsspst_to_novanewscozaswartlandgazette":false,"_crsspst_to_novanewscozatygerburger":false,"_crsspst_to_novanewscozaudexpress":false,"_crsspst_to_novanewscozavistanews":false,"_crsspst_to_novanewscozavrystaatkroon":false,"_crsspst_to_novanewscozaweskusnuus":false,"_crsspst_to_novanewscozaweslander":false,"_crsspst_to_novanewscozaworcesterstandard":false,"_EventAllDay":"","_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":"","_EventShowMapLink":"","_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":"","_EventVenueID":"","_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":"","_VenueShowMapLink":"","_application":"","_batch_id":"","_company_name":"","_company_tagline":"","_company_twitter":"","_company_video":"","_company_website":"","_custom_id":"7b0a6262-ef47-48ee-9ad6-95e19b401e23","_EventDuration":"","_EventOrigin":"","_EventTimezoneAbbr":"","_featured":"","_filled":"","_job_expires":"","_job_location":"","_media_credit":"","_media_credit_url":"","_menu_item_menu_item_parent":"","_menu_item_object":"","_menu_item_object_id":"","_menu_item_target":"","_menu_item_type":"","_menu_item_url":"","_menu_item_xfn":"","_navis_media_can_distribute":"","_navis_media_credit_org":"","_OrganizerOrigin":"","_provider":"","_pum_built_in":"","_pum_default_theme":"","_pum_form_conversion_count":"","_remote_id":"","_remote_name":"","_remote_position":"","_report_frequency":"","_report_reference_dates":"","_send_attempts":"","_site_id":"","_sitemap_exclude":"","_sitemap_frequency":"","_sitemap_priority":"","_source_url":"","_subscription_period":"","_subscription_period_interval":"","_subscription_price":"","_tec_slr_enabled":"","_tec_slr_layout":"","_template_type":"","_ticket_end_date":"","_ticket_start_date":"","_tribe_aggregator_allow_multiple_organizers":"","_tribe_aggregator_content_type":"","_tribe_aggregator_file":"","_tribe_aggregator_finalized":"","_tribe_aggregator_hash":"","_tribe_aggregator_import_id":"","_tribe_aggregator_import_name":"","_tribe_aggregator_interactive":"","_tribe_aggregator_origin":"","_tribe_aggregator_post_status":"","_tribe_aggregator_preview":"","_tribe_aggregator_source_name":"","_tribe_aggregator_type":"","_tribe_default_ticket_provider":"","_tribe_hide_attendees_list":"","_tribe_rsvp_for_event":"","_tribe_ticket_capacity":"","_tribe_ticket_header":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":"","_tribe_ticket_version":"","_type":"","_VenueOrigin":"","_wp_attachment_context":"","_wp_attachment_image_alt":"","_wp_font_face_file":"","_wp_old_date":"","_yoast_wpseo_estimated-reading-time-minutes":"","_yoast_wpseo_focuskeywords":"","_yoast_wpseo_focuskw_text_input":"","_yoast_wpseo_keywordsynonyms":"","_yoast_wpseo_primary_block-catalog":"","_yoast_wpseo_primary_category":"","_yoast_wpseo_primary_job_listing_type":"","_yoast_wpseo_primary_nova_retailer":"","_yoast_wpseo_primary_publication":"","_yoast_wpseo_primary_tribe_events_cat":"","_yoast_wpseo_videositemap-duration":"","_yoast_wpseo_videositemap-rating":"","_menu_item_classes":[],"_tribe_modified_fields":[],"_wp_attachment_backup_sizes":[],"_wp_suggested_privacy_policy_content":[],"_yoast_post_redirect_info":[],"_yoast_wpseo_video_meta":[],"activation_date":"","archive_insertion_is_repeating":"","archive_insertion_posts_count":"","article_feature_media":"","article_feature_type":"","article_main_image_caption":"","article_media_icon":"","article_template":"","author_byline":"Dawie Klopper","background_color":"","block_editor":"","byline":"","cmplz_hide_cookiebanner":"","competition_end_date":"","contact_advertise_email":"","contact_advertise_phone":"","contact_editorial_email":"","contact_general_email":"","contact_general_phone":"","contact_office_hours":"","contact_physical_address":"","enabled":"","featured_image_custom_caption":"","featured_video_url":"","fields":"","font_body":"","font_header":"","frequency":"","headline":"","hide_border":"","icon":"","is_wp_suggestion":"","issuu_download_url":"","issuu_embed_url":"","language_version_url":"","large_border":"","name":"","nm_contact_name":"","nm_contact_number":"","nm_date_lost":"","no_overlay_background":"","node-url":"","obituary_born_date":"","obituary_died_date":"","obituary_memoriam_text":"","origin":"","overlay_color":"","overlay_opacity":"","overlay_size":"","placement":"","plural_label":"","post_author":"","post_id":"","post_language":"en","secret-key":"","sponsored_utm_campaign":"","sponsored_utm_content":"","sponsored_utm_medium":"","sponsored_utm_source":"","sponsored_utm_term":"","start_date":"","utm_suppression":"","video_embed_url":"","wp_pattern_sync_status":"","data_version":[],"enclosure":[],"pongrass_image":[],"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_newspack_byline_active":false,"_newspack_byline":"","newspack_content_restriction_is_exempt":false,"scaip_prevent_shortcode_addition":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[67],"tags":[],"newspack_spnsrs_tax":[],"publication":[],"class_list":["post-50918","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"yoast_head":"\n