巴菲特之投資十大密集1. Reinvest your profits. 把你現有的財富做再投資  "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.  就像史諾德寫到過的那樣:“再小的資金也能變成大財富”——只要你管好自己不亂花賺來的錢。要讓復利(compound interest)幫你賺錢。  小編注:什麼是復利?  指利息計算的基礎是本金加先前累積的利息,與單利相對,後者指利息只以初始本金為計算基礎。“按年復利”(compounding annually)是指當年利息只在一年結束時一次性納入下一年的計息基591礎。例如,如果存入100英鎊,年利率為10%,那麼一年後可獲得110英鎊。如果按單利方式計算,兩年後可獲得120英鎊,三年後則是130英鎊,而復利計算則將上年的利息亦納入計息基礎,即兩年後可得121英鎊,三年後則是 133.10英鎊。相對于單利方式,三年後額外的3.10英鎊利息即是復利作用的結果。  2. Be willing to be different. 要願意與眾不同。  Don't follow the herd. Do what is best for you and your situation.  把自己區別于云云眾生。做對自己和自己的處境有利的事兒。  3. Never suck your thumb. 永遠都別吮手指。  Ah, how I could learn from this one. Buffett makes decisions 系統傢俱quickly based on the available information. I tend to sit and stew about things. Acting decisively can give you an advantage and prevent procrastination.  額……這個該如何理解呢?巴菲特會根據已有的信息很快做出決定。我則傾向于坐下來、好好把事情理清楚。果斷地做決定能夠給你優勢位置、並避免耽擱事情。4. Spell out the deal before you start. 在做交易以前一定要搞明白了。   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.  我成售屋網天為這事兒煩呢:在簽合同以前一定要好好讀清楚(特別當合同不是分期付款時)。條款一點一點讀清楚,要知道自己正要做什麼。  5. Watch small expenses. 小開銷也要謹慎。  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-cost index funds.  大事兒要緊這沒錯,但小事兒同樣也是的。節儉對個人理財來說是重要的一環。這個原則對于投資同樣適用,這也是為什麼我喜歡低成本指數基金的原因。  小編注:什麼是指數基金婚禮佈置(Index fund)?  指數基金是消極管理投資基金的主要形式,有時候被用來指代所有的消極管理投資基金。從廣義上講,ETF(交易所交易基金)也屬于指數基金。  指數基金的投資理念是在證券市場上選定一部分符合條件的證券,這些證券可以通過客觀標準(如總資本,總股本,成交量,主營業務)選定,也可以通過主觀標準(如成長性,被市場低估的程度)選定;被選定的證券共同構成一個指數,每一個證券都擁有一個確定的權重(即該證券在整個投資組合中所佔的比例),指數基金經理按照這個指數購買證券,建立一個與指數完全相同或基本相同的投資組合。  若投資指數基金做消極投資,主要是挑目標指數有可投資性的室內設計和跟蹤誤差小的,不必過分看中一時的收益。  6. Limit what you borrow. 要限制自己借錢的數量。  "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.  史諾德寫過“靠信用卡和貸款度日是不會變成富翁的。” 當然,用點兒小技巧是可以幫你買個房子、或者一輛新車,但是過多的借貸卻會打破你的財政平衡。  7. Be persistent. 要堅持。  If you know what you're doing is important and right, stick to it. Doggedly 太平洋房屋pursue your goals. Learn to "fail forward".  如果你知道你做的事是重要且正確的,那就要堅持下去。頑強地追逐自己的目標。要學會“向前摔跤”。(小編注:即,要從每次錯誤中汲取教訓) 8. Know when to quit. 要知道什麼時候該退出。  The other day, I wrote about the danger of the sunk-cost 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.  我曾經寫到過沉沒成本謬論的危險性。就因為你已經付了十塊錢去看《奪寶建築設計奇兵4:水晶頭骨》,不代表你就非要看完它。要樂于割肉、閃人。  小編注:什麼是沉沒成本(sunk cost)?  在經濟學和商業決策制定過程中會用到“沉沒成本”(sunk cost)的概念,代指已經付出且不可收回的成本。沉沒成本常用來和可變成本作比較,可變成本可以被改變,而沉沒成本則不能被改變。在微觀經濟學理論中,做決策時僅需要考慮可變成本。如果同時考慮到沉沒成本(這被微觀經濟學理論認為是錯誤的),那結論就不是純粹基于事物的價值作出的。舉例來說,如果你預訂了一張電影票,已經付了票款且假設不能退票。此時你付的價錢已經不能收回,就算你不看電影錢也收不回來,電影票的價錢算作你的沉沒成本。西裝外套  9. Assess the risks. 評估風險。  "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."  做決定前先問問自己“結果是什麼?”,這能幫助你在糾結著要做決定時看清楚所有可能發生的後果,並能指引你做出最明智的抉擇。  10. Know what success really means. 懂得什麼才是真正的成功。  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: 買房子"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."  對我們每個人而言成功的定義都不同。找到那個對你生命真正有意義的、會對每一天都有影響的。專注其中。巴菲特說:“當你到了我這個年紀,你會重新評估你的成功,你會在乎那些你想愛的人是不是真的愛你,這是對你一生過得如何的終極檢驗。”(來源:中國日報網站)


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