stocks, stocks that usually cost a few dollars.

股票，通常幾元錢的股票。

I was so excited that I would read about every company, analyze its financial statements,

我很興奮，我會閱讀每一家公司的資料，分析它的財務報表。

look at the recent news and try to pick the right company to invest so that the stock

看看最近的新聞，並嘗試選擇合適的公司投資，使股票的。

price rises and I would sell it to make a profit.

價格上漲，我就會賣掉它來賺取利潤。

I was inspired by the likes of Warren Buffett.

我受到巴菲特等人的啟發。

I mean this guy became one of the richest people in the world By picking the right stocks

我的意思是，這傢伙成為世界上最富有的人之一 通過選擇正確的股票。

and I thought I should give it a shot.

我想我應該給它一個機會。

I didn't bet all my money because I was inexperienced and I wasn't ready to lose

我沒有把錢全押上，是因為我沒有經驗，我還沒有準備好輸錢

the money that I hardly worked to earn.

我幾乎沒有工作賺的錢。

Nevertheless, I kept going, but After a few weeks of actively watching the

儘管如此，我還是堅持了下來，但在積極觀察了幾個星期後，我發現，在我的腦海中，有很多人都是這樣的。

stock market.

股票市場。

I hated it.

我討厭它。

because it takes days if not weeks just to find the right company and even then you might

因為它需要幾天，如果不是幾周，只是找到合適的公司，即使如此，你可能會。

pick the wrong one.

挑錯了。

You cant invest in every company unless your father will give you a small loan of a million

你不可能投資每家公司，除非你父親給你小額貸款100萬。

dollar and you won't bother losing it.

元錢，你就不會去丟它。

Every company is trying its best to look like its doing great so that you invest in them

每家公司都在盡力讓自己看起來做得很好，這樣你才會投資他們。

but they might be bleeding cash on the other side that you might not realize.

但他們可能在另一邊大出血，你可能沒有意識到。

when the stock price goes down right in front of your eyes after you purchased it, you get

當你買入後，股價在你眼前下跌，你就會得到

emotional, it's not easy to look at the chart and enjoy losing money.

感情上，看圖不容易，喜歡虧錢。

You might not be able to control your emotions and would sell it at a loss.

你可能無法控制自己的情緒，會虧本出售。

But that's the nature of the stock market.

但這就是股市的本質。

If you are an entrepreneur or you have a day job.

如果你是一個創業者，或者你有一份日常工作。

You simply won't have the time and energy to actively invest in the stock market, you

你根本不會有時間和精力去積極投資股市，你

don't want to simply throw your money without being confident that you will make more money

不想在沒有信心賺到更多錢的情況下，簡單地把錢投了出去

at the end of the day or at least won't lose what you have invested.

在一天結束的時候，或者至少不會損失你所投資的東西。

So, I was about to leave this mysterious world of the stock market but luckily I came across

所以，我正要離開這個神祕的股市世界，但幸運的是，我遇到了

index funds.

指數基金。

An index fund is the best option for most people.

指數基金是大多數人的最佳選擇。

Its passive income where you do not have to do anything but enjoy watching how your money

它的被動收入，你不需要做任何事情，但享受看你的錢如何。

grows.

增長。

When you invest in a single company, the risk is too high because if this company goes down,

當你投資一家公司時，風險太高，因為如果這家公司倒閉。

you lose all of your money, but what happens if you invest in 100 companies, for example,

你失去了所有的錢，但如果你投資於100家公司，例如，會發生什麼。

chances that they all will go down are low.

他們都會倒下的機率很低。

In fact one of them will go down, few others will definitely go up.

其實一個會跌，其他幾個肯定會漲。

ANd that's what index funds are for, they invest in every company in the market.

這就是指數基金的作用，他們投資於市場上的每一家公司。

when you invest in an index fund, let's say in S&P500, you are investing in the top 500

當你投資於指數基金，比如說S&P500，你投資的是前500名的股票。

publicly traded companies in the US.

美國的上市公司。

It's like buying a share of the American economy.

就像買了美國經濟的一份子。

No matter how many companies will go down, most of them, in general, are going to grow.

不管有多少公司會倒下，一般來說，大部分公司，都會發展。

Unless the entire economy crashes as it happened in 2008.

除非整個經濟像2008年那樣崩潰。

And the great part about it is that there are index funds in every market.

而最大的好處是，每個市場都有指數基金。

But I prefer to stick to SP500.

但我更願意堅持使用SP500。

I have more faith in the American economy than any other.

我對美國經濟的信心比任何其他國家都大。

Now the main question is, how profitable are index funds.

現在主要的問題是，指數基金的利潤有多大。

In 2017, S&P500's return was 19.7% which is incredible but a year after that, it was

2017年，S&P500的回報率是19.7%，這是不可思議的，但一年後，它的回報率是

negative 6.2%, you would be better off if you haven't invested that year.

負6.2%，你最好是當年沒有投資。

However, if you look at the bigger picture, over a long period of time, the trend is upward.

但是，如果從大的方面來看，在很長一段時間內，趨勢是向上的。

Over the past 90 years, the average return was almost 10 percent (9.8).

在過去的90年裡，平均回報率接近10%（9.8）。

If you take into the account inflation, that would be 7 to 8 percent.

如果考慮到通貨膨脹，那就是7%到8%。

Still not bad!

還是不錯的!

if you would have invested 10K dollars in SP500 in 1942, it would worth today over 51

如果你在1942年投資1萬美元在SP500，它將價值今天超過51。

million dollars.

萬元。

I am not sure why I am telling you this because You probably weren't even born at that but

我不知道我為什麼要告訴你這些 因為你可能根本就不是在那個時候出生的，但是

that's a fun fact to know.

這是一個有趣的事實知道。

I will leave a link in the description to a calculator that would tell you how much

我將在描述中留下一個鏈接到一個計算器，可以告訴你多少錢。

you will make if you invest a thousand bucks every month for over 20 years for example.

比如說，如果你每個月投資一千塊錢，超過20年，你就會賺到。

Before you start investing, I would highly suggest you to learn the basics of the stock

在你開始投資之前，我強烈建議你學習股票的基礎知識。

market.

市場。

Even if you are investing in an index fund, You should at least have an idea of how the

即使你是投資於指數基金，你至少應該有一個想法，如何的指數。

market works.

市場運作。

You can go ahead and read books or articles on this matter or you can save your time and

你可以繼續閱讀這方面的書籍或文章，或者你可以節省你的時間和

watch this short animated course by business casual on Skillshare.

在Skillshare上觀看商務休閒的這個短動畫課程。

I have watched this course and its one of the best courses on skillshare about the stock

我看了這門課程，其最好的課程之一，關於股票的技能共享。

market.

市場。

and the best part about it is that the first 200 of you who will use the link

最重要的是，你們中的前200名將使用該鏈接。

in the description will get the course for free and 2-month skillshare premium subscription.

在描述中會得到免費的課程和2個月的技能共享高級訂閱。

Hope this video was helpful, thanks guys for watching and I will see you in the next one.

希望這個視頻對大家有所幫助，謝謝大家的觀看，我們下期再見。