Semplicità, diversificazione e accessibilità. All-in del risparmio.
Provate a cercare su Google “Lazy portfolio” e vedrete le migliaia di risultati che troverete. Ecco perchè ho deciso di presentare i miei Lazy portfolio come strumenti di confronto e contenuti di dibattito per ogni investitore. Rendere la finanza veramente a portata di tutti non è poi così impossibile.
Che cos’è un Lazy portfolio?
“Lazy” in inglese significa “pigro”, ma attenzione non vuol dire inefficiente.
Vediamo i tratti distintivi di un portafoglio Lazy per capirne di più:
- semplicità, pochi strumenti ma scelti accuratamente;
- diversificazione del rischio e asset allocation strategica ;
- efficienza dei costi;
- orizzonte temporale almeno medio/lungo, danno il meglio sui 10 anni;
- ribilanciamenti ridotti, annuali o semestrali per ridurre i costi;
- accessibilità, adatti ad ogni investitore.
Il risultato sono portafogli adatti a vari obiettivi di investimento, avendo differenti strategie, percorribili da un pubblico molto vasto di investitori, che partendo da una solida pianificazione finanziaria cercano soluzioni “stabili”, ossia adatte ad ogni situazione di mercato senza l’esigenza di controlli ossessivi.
La maggior parte dei Lazy portfolios si sono sviluppati a partire dalla fine del secolo scorso e alcuni di essi sono diventati delle vere e proprie strategie di Asset Allocation di grande notorietà.
Tra i più famosi troviamo:
- il “Core four portfolio”, di Richard Ferri, che nella sua versione 60/40 suggerisce di investire il 40% in obbligazioni americane, il 30% in azioni americane, il 24% in azioni internazionali ed il 6% in REIT (Real Estate Investment Trust);
- il “David Swensen’s lazy portfolio” di David Swensen, suddiviso in 30% di azioni americane, 15% di azioni internazionali di paesi sviluppati, 10% di azioni dei mercati emergenti, 15% REIT, 15% di obbligazioni governative americane a lungo termine (Treasury bond, generalmente con durate comprese tra i 20 ed i 30 anni) e 15% di obbligazioni americane indicizzate all’inflazione;
- il “Coffeehouse portfolio” di Bill Schulteis, che investe per il 10% in società a grande capitalizzazione blend, il 10% in società a grande capitalizzazione value, il 10% in società a bassa capitalizzazione blend, il 10% in società a bassa capitalizzazione value, il 10% in azioni internazionali, il 10% in REIT ed il 40% in obbligazioni americane
- Il portfolio All Seasons, una versione semplificata del portafoglio All Weather di Ray Dalio che investe Mercato azionario totale del 30%,40% obbligazioni a lungo termine, 15% obbligazioni intermedie, 7,5% di materie prime, 7,5% di oro
Partendo soprattutto da quest’ultimo ho elaborato 3 Lazy Portfolio in base ai profili, PRUDENTE, BILANCIATO e DINAMICO.
A scopo di informazione, pubblicherò le tre strategie separatamente con successivo aggiornamento mensile. Lo scopo non è quello di dare soluzioni di investimento ma spunti di confronto e riflessione e rendere la finanza più accessibile.
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