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  • The one question we get asked the most is probably, "What should I invest in?”

    我們最常收到的問題就是「該投資什麼?」

  • And we're tempted to share hot tips about *#&%&#** and #$@!*

    而我們總想要分享這些關於投資 *#&%&#** 與 #$@!* 的訣竅。

  • Seriously, put your money there and you can't lose.

    說真的,投資你的錢到那裡,絕對不會虧。

  • But instead, we usually just say, "It depends.”

    但事實上,我們總會回答「看情況!」

  • Investing should always be looked at through your personal context.

    投資的情況總是因人而異。

  • What might be a sound investment for your bestie might be totally inappropriate for you.

    對你麻吉最好的投資,或許對你來說反而沒那麼好。

  • So if you're considering dipping your toe into investing and wondering where to start, the first step is to ask yourself 5 important questions before putting any money on the line.

    如果你在考慮投資又不知道從何開始,在把錢投進去前,首先你該問自己五個重要的問題。

  • When confronted with an investment opportunity, most people wonder how much money they'll make, when the more appropriate question is, "HOW MUCH AM I WILLING TO LOSE?”

    當遇到一個投資機會時,許多人會想他們可以賺多少,但真正應該問自己的是「我最多可以賠多少?」

  • If you have a thousand dollars to invest, how would you feel if you lost a hundred of that.

    如果你拿 1000 美元 (約台幣 30,500 元) 來投資,賠 100 美元 (約台幣 3,050 元) 你會怎樣?

  • Two hundred?

    賠 200 美元 (約台幣 6,100 元) 呢?

  • Five hundred?

    賠 500 美元 (約台幣 15,250 元) 呢?

  • Now, if the thought of losing money at all makes you sweat a little, you're not alone.

    如果想到會賠錢就讓你冷汗直流,那你並不孤單。

  • "Loss Aversion" is the term psychologists use for our tendency to fear losses more than we enjoy gains.

    「損失規避」是一個心理學家用來形容人們總是害怕失去大於享受收穫的詞。

  • It's why many investors sold off their holdings during the market crash of 2008.

    這也是為什麼許多投資者在 2008 市場金融危機時把所有股份賣掉的原因。

  • They overestimated their risk tolerance when times were good, and ended up selling at a loss when the seas got stormy.

    當時機好時,他們錯估自己的風險承擔能力,於是落得在賠錢時賣掉股份。

  • Knowing your personal threshold for this loss-pain (even short-term) is a great start to knowing what kind of investment is right for you.

    搞清楚自己對賠錢 (短期投資也是) 的門檻,是找出最好投資的好開始。

  • The second question you should ask yourself is what is the goal or purpose of this investment?

    第二個你該問自己的問題是,這項投資的目標或目的是什麼?

  • Is it for your retirement?

    為了退休養老?

  • For your child's college?

    孩子的大學學費?

  • A trip around the world?

    還是要環遊世界?

  • Each of these goals probably has a completely different time-scale.

    這些目標在時間軸上可能會有完全不同的時間區塊。

  • If your goal is far into the future, you could probably handle a more aggressive long-term investment option like the stock market or real estate and take on more risk.

    若目標設立在遙遠的未來,那或許可考慮較有野心的長期投資來承擔更多風險,如股市或房地產。

  • That way you can leverage the longer time-line and put yourself in the position to receive the maximum reward while also allowing yourself space to recover from a recession.

    如此,就可以用長時間的優勢來讓自己得到最大的獲利,而且也可以給自己空間從經濟衰退的衝擊中復原。

  • But if you are just a year or two from your investment goal, a dip in the market might mean you can't afford to pay for that goal. So you're probably better off sticking with something less volatile, like a CD or a bond fund.

    但如果目標較為短程,如一至兩年,可能會無法負擔深入投資的成本,所以可以試試更短程的投資,如定存單或債券基金。

  • One of the habits in Stephen Covey's classic "7 Habits of Highly Successful People" is "Begin with the end in mind."

    Stephen Covey 的經典著作《與成功有約:高效能人士的七個習慣》的其中一項就是:以終為始。

  • And nowhere is this more true than in investing.

    而這在投資上可說是再正確也不為過。

  • As you consider your goals, you should ultimately make a decision on the circumstances that would lead you to selling the investment.

    當你在思考投資目標時,也該考慮什麼情況,會讓你決定要售出投資。

  • This helps you avoid selling in a panic or hopping from one "greener pasture" to another."

    這能避免在慌亂中售出,或從「綠地跳到荒地」。

  • For example, you might decide that you plan to own an investment for at least 10 years.

    舉例來說,你或許會計畫擁有一項投資至少十年。

  • Or that you'll get out if the investment loses 10%.

    或當這項投資賠 10% 的時候就退出。

  • Knowing these details in advance will help you both pick an investment with realistic goals, and help you keep your head if the news headlines get hysterical.

    預先計畫這些細節,能讓你在挑投資時有個實際目標,也能在新聞頭條變得歇斯底里時冷靜面對。

  • It's okay to allow your rules to be a little flexible, but having no plan at all can lead to your decisions being driven by emotions like greed, fear, or panic.

    計畫當然可以有點彈性,但完全沒計畫,會讓你的情緒,如貪婪、恐懼、恐慌等,主導你的決定。

  • Many brokers and investment companies are notorious for hiding fees or making them super complicated.

    許多經理人與投資公司出名地會隱藏費用,或讓它們超級複雜。

  • So it can be tricky to figure out exactly how much an investment cost.

    所以要搞清楚一項投資究竟要花多少並不簡單。

  • Sometimes there's a simple one-time feelike a stock-trading service that charges per-trade.

    有時,會有一次性支付的費用,如每次都有的股票交易服務費。

  • Mutual funds and index funds, on the other hand, charge you a percentage of the money you invest every year, and perhaps even an extra sales charge in the form of a "front-end-load."

    共同基金與指數型基金則不同,每年會從你投資的金錢裡收取一定百分比的金額,甚至有些還會有「申購手續費」。

  • An investment advisor will typically add an additional fee-layer for the service.

    理財顧問通常還會再加額外的顧問費。

  • So if you hire one, be sure they're providing plenty of value.

    所以,如果有雇用理財顧問,請確保他們真的有用。

  • Even investment options that appear to be free, like CD's and high-yield savings accounts come with "opportunity costs.”

    看似免費的投資,像是定存單或高利息儲戶帳戶,其實也有「機會成本」。

  • They're re-investing your money into higher-paying investments and pocketing the difference.

    銀行會把你的錢重新投資到高獲利的投資,然後再以不同的比例分紅。

  • Free investment apps like Robinhood generate income by earning interest on whatever cash you have in your account that isn't currently in an investment.

    免費投資應用程式 Robinhood 以你帳戶裡任何沒在投資的現金來產生利息,以產生獲利。

  • To be clear, paying a price to invest isn't bad, or even something you can always avoid.

    說實話,付點代價投資並不差,但也可以是件可避免的事。

  • Just make sure you know what you're paying so you can decide for yourself if you're getting your money's worth.

    確保自己了解投資的東西,然後你能自己衡量,這錢花得是否值得。

  • It would be fine to put all your money on a single roll of the dice if you could be certain of the outcome.

    如果確定能獲利,而孤注一擲所有的錢,當然可以。

  • But in the real world, there's never a sure thing.

    但在現實世界,從沒有百分百確定的事。

  • Spreading your assets out and avoiding over-concentration can help ensure that your fate isn't in the hands of any single company, sector, or industry.

    分散資金,預防過度依賴,這可以確保你的命運不會掌控在一間公司或一個企業。

  • For example, let's say you have most of your savings in the stock of the company you work for.

    舉例來說,就說你把大部分的積蓄都花在你工作公司的股票好了。

  • What would happen if your employer suddenly went belly-up?

    若公司突然破產,會發生什麼事?

  • You'd not only be out of a job, but that money you were counting on for retirement could evaporate.

    不僅會失去工作,你的退休金也會一夕蒸發。

  • A financial advisor might recommend selling off some of that stock and diversifying elsewhere, like buying a home or opening up an IRA.

    理財顧問可能會建議售出部分股份,並分散投資,如買房或開設個人退休帳戶。

  • Remember that 2008 crash?

    記得 2008 年金融風暴嗎?

  • Many people had the bulk of their net worth tied up in their homes and couldn't afford to ride out the storm.

    許多人的大部分資本淨值都與房屋綁在一起,因此被金融風暴吞噬。

  • Balance is key.

    關鍵是取得平衡。

  • So whenever you're trying to decide on a new investment, consider how it relates to the rest of your assets.

    所以,在考慮新投資的時候,也要想想你剩下的資產會發生什麼事。

  • If there were a one-size-fits-all that worked for every person in every situation, it would make our job a lot easier.

    若有種一體適用,人人都行且各種情況都適用的投資,我們也就不用那麼努力地跟你們解釋了。

  • But picking the right investment doesn't have to be as overwhelming as you might think.

    但選擇正確的投資,並不是一定得像你想得那麼有壓力。

  • Asking yourself a few basic questions can go a long way to simplify which choice is best for you no matter what surprises might be around the corner.

    問問自己一些簡單的問題,能幫助你找出最好的選擇,也能幫助自己面對突如其來的「驚喜」。

  • And that's our two cents!

    這是我們的建議!

  • Thanks to our patrons for keeping Two Cents financially healthy.

    謝謝贊助者們讓 Two Cents 經濟狀況良好。

  • Click the link in the description if you'd like to support us on Patreon.

    若想用 Patreon 小額支持我們,點擊敘述欄的連結。

  • We want to hear from you!

    我們想聽見你的聲音!

  • Tell us the story of your first investment in the comments.

    在留言區留下你第一次投資的故事。

The one question we get asked the most is probably, "What should I invest in?”

我們最常收到的問題就是「該投資什麼?」

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A2 初級 中文 美國腔 投資 獲利 台幣 目標 股份 帳戶

煩惱該投資什麼?投資前該問自己的五個問題! (5 Questions To Ask Before Investing)

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    Mackenzie 發佈於 2019 年 11 月 22 日
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