股神巴菲特的挣钱秘籍

时间:2022-1-14 作者:外教网

Today I had lunch at Jimmy John’s and noticed a sign on the wall that showed Warren Buffet’s list of 10 Rules. I was so moved by it that I had to change tables in the middle of my sandwich just to get a closer look. Is it any wonder that he is one of the richest men in the world?
今天我在吉姆约翰餐饮店吃中饭,注意到墙上写的“股神巴菲特十大致富秘籍”。我真是被那些规则触动了,三明治吃到一半,我特意换了桌子离它近点儿好看了解。(知道之后)我想不会有人质疑为何他会是全世界最富有些人。
1. Reinvest your profits. “Even a small sum can turn into great wealth,” Schroeder writes, if you’re disciplined to not touch your profits. Let the power of compound interest work for you.
1. 把你现有些财富做再投资。就像史诺德写到过的那样:“再小的资金也能变成大财富”——只须你管好自己不乱花赚来的钱。要让复利(compound interest)助你挣钱。
我们注:啥是复利?
指利息计算的基础是本金加先前累积的利息,与单利相对,后者指利息只以初始本金为计算基础。“按年复利”(compounding annually)是指当年利息只在一年结束时一次性纳入下一年的计息基础。比如,假如存入100英镑,年利率为10%,那幺一年后可获得110英镑。假如按单利方法计算,两年后可获得120英镑,三年后则是130英镑,而复利计算则将上年的利息亦纳入计息基础,即两年后可得121英镑,三年后则是 133.10英镑。相对于单利方法,三年后额外的3.10英镑利息即是复利用途的结果。
2. Be willing to be different. Don’t follow the herd. Do what is best for you and your situation.
2. 要想独一无二,把自己不同于芸芸众生。做对自己和我们的处境有利的事儿。
3. Never suck your thumb. Ah, how I could learn from this one. Buffett makes decisions quickly based on the available information. I tend to sit and stew about things. Acting decisively can give you an advantage and prevent procrastination.
3. 永远都别吮手指。额……这个该怎么样理解呢?巴菲特会依据已有些信息非常快做出决定。我则倾向于坐下来、好好把事情理了解。果断地做决定可以给你优势地方、并防止耽搁事情。
4. Spell out the deal before you start. I stress this all the time: Don’t sign a contract unless you’ve read it (especially not a mortgage). Read the fine print. Understand the what you’re getting yourself into.
4. 在做买卖以前必须要搞了解了。我成天为这事儿烦呢:在签协议以前必须要好好读了解(特别当合同不是分期付款时)。条约一点一点读了解,要知晓自己正要干什么。
5. Watch small expenses. While it’s true that the big things matter, the little things do too. Frugality is an important part of personal finance. But this principle also applies when investing, which is one reason I’m a fan of low-cosplayt index funds.
5. 小开销也要小心。大事儿要紧这没错,但小事儿同样也是的。节俭对个人理财来讲是要紧的一环。这个原则对于投资同样适用,这也是为何我喜欢低本钱指数基金是什么原因。
我们注:啥是指数基金(Index fund)?
指数基金是消极管理投资基金的主要形式,有时被用来指代所有些消极管理投资基金。从广义上讲,ETF(交易平台买卖基金)也是指数基金。
指数基金的投资理念是在证券市场上选定一部分符合条件的证券,这部分证券可以通过客观标准(如总资本,总股本,成交量,主营业务)选定,也可以通过主观标准(如成长性,被市场低估的程度)选定;被选定的证券一同构成一个指数,每个证券都拥有一个确定的网站权重(即该证券在整个投资组合中所佔的比率),指数基金经理根据这个指数购买证券,打造一个与指数一模一样或基本相同的投资组合,如此就创造了一隻指数基金。
若投资指数基金做消极投资,主如果挑目的指数有可投资性的和跟踪误差小的,不必过分看中一时的收益。
6. Limit what you borrow. “Living on credit cards and loans won’t make you rich,” writes Schroeder. Sure, leverage can get you into a home or a new car, but too much debt is one of the biggest drags on your financial well-being.
6. 要限制自己借钱的数目。史诺德写过“靠信用卡和贷款度日是不会变成富翁的。” 当然,用点儿小窍门是可以助你买个房屋、或者一辆新车,但过多的借贷却会打破你的财政平衡。
7. Be persistent. If you know what you’re doing is important and right, stick to it. Doggedly pursue your goals. Learn to “fail forward”.
7. 要坚持。假如你知晓你做的事是要紧且正确的,那就要坚持下去。顽强地追逐我们的目的。要掌握“向前摔跤”。(我们注:即,要从每次错误中汲取教训)8. Know when to quit. The other day, I wrote about the danger of the sunk-cosplayt fallacy. Just because you’ve already paid $10 to see Indiana Jones and the Kingdom of the Crystal Skull, doesn’t mean you should sit through to the end. Be willing to cut your losses and walk away.
8. 要知晓什么时间该退出。我过去写到过沉没本钱谬论的危险性。就由于你已经付了十块钱去看夺宝奇兵4,不代表你就非要看完它。要乐于割肉、闪人。
我们注:啥是沉没本钱(sunk cosplayt)?
在经济学和商业决策拟定过程中会用到“沉没本钱”(sunk cosplayt)的定义,代指已经付出且不可收回的本钱。沉没本钱常用来和可变本钱作比较,可变本钱可以被改变,而沉没本钱则不可以被改变。在微观经济学理论中,做决策时只需要要考虑可变本钱。假如同时考虑到沉没本钱(这被微观经济学理论觉得是错误的),那结论就不是纯粹基于事物的价值作出的。 有关讲解举例来讲,假如你预约了一张电影票,已经付了票款且假设不可以退票。此时你付的价钱已经不可以收回,即使你不看电影钱也收不回来,电影票的价钱算作你的沉没本钱。
9. Assess the risks. “Asking yourself ‘and then what?’ can help you see all of the possible consequences when you’re struggling to make a decision — and can guide you to the smartest choice.”
9. 评估风险。做决定前先问问自己“结果是什么?”,这能帮你在纠结着要做决定时看了解所大概发生的后果,并能引导你做出最明智的抉择。
10. Know what success really means. Success is different for each of us. Find what it is that brings meaning to your life, what makes each day important. Make this your focus. Buffett says: “When you get to my age, you’ll measure your success in life by how many of the people you want to have love you actually do love you. That’s the ultimate test of how you’ve lived your life.”
10. 了解什么才是真的的成功?对大家每一个人而言成功的概念都不同。找到那个对你生命真的有意义的、会对每一天都有影响的。专注其中。巴菲特说:“当你到了我这个年龄,你会重新评估你的成功,你会在乎那些你想爱的人是否真的爱你,这是对你一生过得怎么样的终极检验。”

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