n****s
发帖数: 138 | 1 投资的一些基本知识：
1。 Bond 与 Interest Rate 的关系：Rate 升，bond 跌； short term 的bond 好很
多。
http://www.wellsfargoadvantagefunds.com/wfweb/wf/education/choo
２。 high risk － high return 等
３。 注意区分systematic risk 和 unsystematic risk
大家都来学习吧。哈哈 |
r****m
发帖数: 1204 | 2 投资的第一要素恐怕是 compounding effect.
大部分人意识不到compounding的厉害, 表现在认为让基金或经纪人每年赚个0.5%-1%也
没什么, 但30年下来结果会吓一跳. |
s********y
发帖数: 3811 | 3 i don't know why, but it seems people just don't read as many books as
before. if everyone grabs a book on investing and read it, we would have
much fewer dumb questions on this board.
【在 n****s 的大作中提到】
: 投资的一些基本知识：
: 1。 Bond 与 Interest Rate 的关系：Rate 升，bond 跌； short term 的bond 好很
: 多。
: http://www.wellsfargoadvantagefunds.com/wfweb/wf/education/choo
: ２。 high risk － high return 等
: ３。 注意区分systematic risk 和 unsystematic risk
: 大家都来学习吧。哈哈
|
n****s
发帖数: 138 | 4 恕我直言，您可能是门外汉。您还没有能力把书本上的知识转化为钱。投资的第一要素
是：知己知彼 或是 risk control 等。最高等的总结是：天时，地利 和人和 ：－）
。 老祖宗早就知道了。举个例子，现在利息要涨，有人守着long term bond fund 不
放，这不明摆着亏钱吗？早就应该换成short term 或是 REIT fund 了。
【在 r****m 的大作中提到】
: 投资的第一要素恐怕是 compounding effect.
: 大部分人意识不到compounding的厉害, 表现在认为让基金或经纪人每年赚个0.5%-1%也
: 没什么, 但30年下来结果会吓一跳.
|
s********y
发帖数: 3811 | 5 lol. r u serious? have u read redsim's posting on this board?
【在 n****s 的大作中提到】
: 恕我直言，您可能是门外汉。您还没有能力把书本上的知识转化为钱。投资的第一要素
: 是：知己知彼 或是 risk control 等。最高等的总结是：天时，地利 和人和 ：－）
: 。 老祖宗早就知道了。举个例子，现在利息要涨，有人守着long term bond fund 不
: 放，这不明摆着亏钱吗？早就应该换成short term 或是 REIT fund 了。
|
r****m
发帖数: 1204 | 6 IMHO, what you described is 投机, not 投资, because you are referring to
timing of investment.
But please don't get me wrong - a little bit 投机 is fine, if you can afford
it. However, modern portfolio theory has already proven it - timing plays
a very small role in one's success in 投资.
我还没有能力把书本上的知识转化为钱, that's true, but that's fine, learning
itself is fun.
【在 n****s 的大作中提到】
: 恕我直言，您可能是门外汉。您还没有能力把书本上的知识转化为钱。投资的第一要素
: 是：知己知彼 或是 risk control 等。最高等的总结是：天时，地利 和人和 ：－）
: 。 老祖宗早就知道了。举个例子，现在利息要涨，有人守着long term bond fund 不
: 放，这不明摆着亏钱吗？早就应该换成short term 或是 REIT fund 了。
|
n****s
发帖数: 138 | 7 Seriously. Books are books and knowledge and degree are not money. Few
people can monetize knowledge into real money. Time value of money is
important. But it is not much meaningful when we talk about strategy and
vision. 时间的金钱价值是双刃剑。用好了，它会为你服务；不会用，只会强调它的不
利等。anyway， 这都不重要。就像打仗，重要的是天时，地利 和人和等分析。不是谁
给你提供军火，谁多收了你多少fee。
【在 s********y 的大作中提到】
: lol. r u serious? have u read redsim's posting on this board?
|
s********y
发帖数: 3811 | 8 i never talked about those stuff. just read some of his postings if u have
chance; maybe u can learn one thing or two.
【在 n****s 的大作中提到】
: Seriously. Books are books and knowledge and degree are not money. Few
: people can monetize knowledge into real money. Time value of money is
: important. But it is not much meaningful when we talk about strategy and
: vision. 时间的金钱价值是双刃剑。用好了，它会为你服务；不会用，只会强调它的不
: 利等。anyway， 这都不重要。就像打仗，重要的是天时，地利 和人和等分析。不是谁
: 给你提供军火，谁多收了你多少fee。
|
n****s
发帖数: 138 | 9 我还是那句话，你是从书本上学来的死的知识。我一般不愿意否定。良药苦口。
afford
plays
【在 r****m 的大作中提到】
: IMHO, what you described is 投机, not 投资, because you are referring to
: timing of investment.
: But please don't get me wrong - a little bit 投机 is fine, if you can afford
: it. However, modern portfolio theory has already proven it - timing plays
: a very small role in one's success in 投资.
: 我还没有能力把书本上的知识转化为钱, that's true, but that's fine, learning
: itself is fun.
|
n****s
发帖数: 138 | 10 什么是投资，什么是投机。等你把钱从零搞到100万，你才知道。举例说，modern
portfolio 让我们把401K的钱放到一个30年的基金就行了。实际上行吗？连 modern
portfolio 的建立人自己都不是按照他自己的理论去实践。什么是Modern portfolio？
它的本质就是华尔街骗钱的把戏。Modern 说投２０几个股票就会极大的diversify
portfolio individual risk。还凑合吧。Modern 说 modern portfolio theory has
already proven it - timing plays a very small role in one's success in 投资
。这个不对。现在和３０年前不一样。和十年前也不一样。美国不是２０年前的美国。
afford
plays
【在 r****m 的大作中提到】
: IMHO, what you described is 投机, not 投资, because you are referring to
: timing of investment.
: But please don't get me wrong - a little bit 投机 is fine, if you can afford
: it. However, modern portfolio theory has already proven it - timing plays
: a very small role in one's success in 投资.
: 我还没有能力把书本上的知识转化为钱, that's true, but that's fine, learning
: itself is fun.
|
|
|
i**********o
发帖数: 5993 | |
r****m
发帖数: 1204 | 12 "modern portfolio 让我们把401K的钱放到一个30年的基金就行了。实际上行吗？"
I hope you can give an example that shows there was a 30 years period in the
history of stock market that the broad index failed to deliver a solid gain
for people who 把401K的钱放到一个30年的index基金.
"连 modern portfolio 的建立人自己都不是按照他自己的理论去实践."
That's possible, and I can find examples of those people who 投机 too, but
that doesn't mean the portfolio theory is wrong. In fact, I think most, if
not all, middle class families should:
a) maximize your 401(K), Roth IRA, and any other retirement fund
contribution and invest them in broad market index ETFs with super low
annual costs;
then b) use the rest spare money to 投机, because you already take good care
of your retirement needs. When you are taking bigger risks, theoretically
you should expect bigger returns (just pray you are on the positive return
side)
"现在和３０年前不一样。和十年前也不一样。美国不是２０年前的美国。"
Hehe, history will repeat itself, at least when it comes to stock market
performance. |
i**********o
发帖数: 5993 | 13 讲得不错
the
gain
if
【在 r****m 的大作中提到】
: "modern portfolio 让我们把401K的钱放到一个30年的基金就行了。实际上行吗？"
: I hope you can give an example that shows there was a 30 years period in the
: history of stock market that the broad index failed to deliver a solid gain
: for people who 把401K的钱放到一个30年的index基金.
: "连 modern portfolio 的建立人自己都不是按照他自己的理论去实践."
: That's possible, and I can find examples of those people who 投机 too, but
: that doesn't mean the portfolio theory is wrong. In fact, I think most, if
: not all, middle class families should:
: a) maximize your 401(K), Roth IRA, and any other retirement fund
: contribution and invest them in broad market index ETFs with super low
|
s**********6
发帖数: 873 | 14 REIT fund不是跌的一踏糊涂吗？
【在 n****s 的大作中提到】
: 恕我直言，您可能是门外汉。您还没有能力把书本上的知识转化为钱。投资的第一要素
: 是：知己知彼 或是 risk control 等。最高等的总结是：天时，地利 和人和 ：－）
: 。 老祖宗早就知道了。举个例子，现在利息要涨，有人守着long term bond fund 不
: 放，这不明摆着亏钱吗？早就应该换成short term 或是 REIT fund 了。
|
S**C
发帖数: 2964 | 15 The talking heads are saying "rate will only go up" for more than three
years now, and people who take their advice, including myself, leave a lot
on the table.
I noticed Gross and Gundlack both start to buy some long treasury, they
could well be wrong this time, they are mortals anyway... But given past
stellar history, there is a good fighting chance that the rate at the end of
this year could be lower than now.
【在 n****s 的大作中提到】
: 恕我直言，您可能是门外汉。您还没有能力把书本上的知识转化为钱。投资的第一要素
: 是：知己知彼 或是 risk control 等。最高等的总结是：天时，地利 和人和 ：－）
: 。 老祖宗早就知道了。举个例子，现在利息要涨，有人守着long term bond fund 不
: 放，这不明摆着亏钱吗？早就应该换成short term 或是 REIT fund 了。
|
