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Years ago, diversifying a large portfolio meant investing in 65 different companies in the country that you lived and worked in, rather than only 30. Fortunately for wealthy families today, spreading investment risk across more than one geography has become a lot easier.
多年前，将大型投资组合多样化意味着在你生活和工作的国家投资65家不同的公司，而不是只有30家。幸运的是，对于今天的富裕家庭来说，将投资风险分散到多个地区已经变得容易得多。
But wealth managers, private banks and family offices say that even more needs to be done — with other assets — to ensure that global families are not still too exposed to local risks.
但财富管理公司、私人银行和家族理财室表示，还需要在其它资产方面采取更多措施，以确保manbetx app苹果
家族不会仍然过于暴露于本地风险之下。
Diversification, in simple terms, means spreading assets across sectors and countries to reduce the overall impact of adverse price movements in any one of them. Without it, families are, in effect, betting that wherever they live or work will always produce the best investment returns in the world.
简单来说，多元化意味着将资产分散到各个行业和国家，以减少其中任何一个行业或者国家的不利价格变动带来的总体影响。没有它，家庭实际上是在打赌，无论他们生活或工作在哪里，都会产生世界上最好的投资回报。
Even if that is the case for a short period, it will be a risky strategy for long-term investing. “For the vast majority of people, diversification is a good thing,” explains Ben Seager-Scott, head of multi-asset funds at Evelyn Partners.
即使短期内是这样，对于长期投资来说，这也是一种有风险的策略。“对绝大多数人来说，分散投资是件好事，”Evelyn Partners多资产基金主管本•西格尔-斯科特解释道。
However, he and others warn that there is no one-size-fits-all approach to diversification. As James Holder, head of Europe at Citi Private Bank, points out: “Everybody is different, this is not a homogenous marketplace.”
然而，他和其他人警告说，没有放之四海而皆准的多样化方法。正如花旗私人银行(Citi Private Bank)欧洲主管詹姆斯•霍尔德(James Holder)所指出的：“每个人都不一样，这不是一个同质化的市场。”
A wealth manager’s diversification strategy must, therefore, take in a full picture of a family’s life and priorities. This will include assets, liabilities, sources of earnings and revenue, places of spending, and tax jurisdictions.
因此，财富管理公司的多元化战略必须全面考虑一个家庭的生活和优先事项。这将包括资产、负债、收益和收入来源、支出地点和税收管辖区。
A similar, predictive exercise must be carried out for children or dependants: where they will live, what currency their inheritance will be in, and what their local tax system will be. It must factor in whether there are any plans to live somewhere else in the future — so that the adviser, for example, can start building up assets in that place earlier, to lessen the impact of currency moves.
必须对子女或家属进行类似的预测：他们将住在哪里，他们继承到的遗产将以何种货币计价，以及他们当地的税收制度将是什么。此外，还必须考虑到未来是否有在其他地方居住的计划，例如，这样理财顾问就可以更早地开始在那个地方积累资产，以减轻汇率波动的影响。
For clients with a business based in one, or multiple, jurisdictions, it is especially important to look at where the company’s revenue is coming from, says Edward Park, chief investment officer at Brooks Macdonald.
Brooks Macdonald首席投资长帕克(Edward Park)说，对于业务位于一个或多个司法管辖区的客户来说，了解公司收入的来源尤为重要。
Once this geographical information has been gathered, private banks, wealth managers and family offices will typically start to build a portfolio of equities and bonds drawn from a global weighted index, in which countries are divvied up based on their relative total market capitalisation.
一旦收集到这些地理信息，私人银行、财富管理公司和家族理财室通常就会开始根据manbetx app苹果
加权指数构建股票和债券投资组合，在该指数中，各国根据其相对总市值进行划分。
Some business owners may still wish to use their own experience to invest in their local market, says Holder. “There may be circumstances where, because of the success