投资股市限制风险的选择

热血热胜红日光
楼主 (北美华人网)
最近看到不少贴子谈到如何小白或忙人如何投资的。一般的建议是长期定投大盘基金,但是有不少人担心现在股市已经太高,进去会站岗亏本。做options对初学者又很难掌握。
这里介绍一个ETF,叫Innovator Double Stacker 9 Buffer fund. https://www.innovatoretfs.com/etf/default.aspx?ticker=dbja
The Innovator Double Stacker 9 Buffer ETF seeks to provide double upside exposures of 100% SPY + 100% QQQ, to a cap, and downside exposure to SPY, with a buffer against the first 9% of losses over the outcome period. The ETF can be held indefinitely, resetting at the end of each outcome period, approximately annually.
Innovator Defined Outcome ETFs are the first ETFs that allow investors to take advantage of market growth while maintaining defined levels of downside exposure. The ETFs are as tax-efficient as traditional ETFs due to a recent rule change allowing the in-kind trading of options.
The Fund has characteristics unlike many other traditional investment products and may not be suitable for all investors. For more information regarding whether an investment in the Fund is right for you, please see "Investor Suitability" in the prospectus. The outcomes that the Fund seeks to provide may only be realized if you are holding shares on the first day of the Outcome Period and continue to hold them on the last day of the Outcome Period, approximately one year. There is no guarantee that the Outcomes for an Outcome Period will be realized or that the Fund will achieve its investment objective. An investor that purchases Fund Shares after the start of an outcome period may be exposed to the downside risks of SPY.
这个对于金融内行来说是个骗局,保证9%下跌不损失。买长期的不怕9%的跌幅,怕的是大跌,腰斩。这个在腰斩中还是亏41%。
而且大涨还有天花板,涨到一定程度只能看大盘涨,自己买的就不动了。
大跌没用,而且涨势有限,这个是冒着大风险,赚小钱。
花街能忽悠的太多,不要给骗了。
yshe
这个下跌保底,但是封顶的,不就是IUL的话术么。
热血热胜红日光
这个对于金融内行来说是个骗局,保证9%下跌不损失。买长期的不怕9%的跌幅,怕的是大跌,腰斩。这个在腰斩中还是亏41%。
而且大涨还有天花板,涨到一定程度只能看大盘涨,自己买的就不动了。
大跌没用,而且涨势有限,这个是冒着大风险,赚小钱。
花街能忽悠的太多,不要给骗了。
睿 发表于 2021-01-26 13:18

有道理,有什么比较适合懒人的option 组合么?他这个基金后面就是操作Flex Options.
回报总是和风险相关。。。
热血热胜红日光
这个下跌保底,但是封顶的,不就是IUL的话术么。
yshe 发表于 2021-01-26 13:40

有类似的地方哦,不过这个的流动性好很多,exchange traded, IUL可不是想退出就能退出的。