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זה הזמן ללמוד מהאמריקאים

מאי 11, 2023
11:40

כמעט בכל יום בעבודתי אני נשאל מתי הזמן לחשוף את תוכנית החיסכון/פנסיה/גמל/השתלמות ליותר מניות או שאולי "כדאי להישאר סולידי עד שהמצב יהיה טוב". לשאלה הזו יש לי תשובה אוטומטית וגם תשובה לאלה שמאתגרים אותי עוד.

התשובה הראשונה היא שכל עוד טווח ההשקעה הוא מעל 5 שנים, כדאי להיות חשוף יותר למניות. כדאי ללמוד מהאמריקאים שמצליחים להרוויח הרבה יותר כסף מאיתנו בהשקעות.

התשובה השנייה (והפחות אהובה עליי) היא לנסות לצפות מהלך לפני. כך למשל, כל עוד קיים צפי לסכנות לשוק ההון, כמו אינפלציה גואה והעלאות ריבית צפויות, ואני בצד החושש, עדיף לחכות. אבל כשמגיע צפי להאטה בבשורות הרעות כמו היום, כשאנחנו לקראת סיום העלאות הריבית, כדאי לזכור שהשוק מגיב מהר והרבה לפני שאבין ש"הכל טוב".

לכן, לא מומלץ לחכות עד שהריבית תרד והשוק יגאה שוב, כי אז זה עלול להיות מאוחר מדי. בכל מקרה אני פה תמיד לכל התייעצות או התלבטות, אז אל תהססו.

אנא השאירו פרטים ונחזור אליכם בהקדם:

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