For a couple of years, your money keeps going up and up, until...

幾年來，您的資金不斷增加，直到...

Black Monday.

黑色星期一

They're calling it the Monday Massacre.

他們稱之為 "週一大屠殺"。

Wall Street had its biggest one-day drop in history.

華爾街創下歷史上最大單日跌幅。

The results of the decline will hit millions of people.

經濟衰退的結果將打擊數百萬人。

Up until this point, your friends probably thought you were some kind of genius, but now they're urging you to sell.

在此之前，你的朋友可能認為你是個天才，但現在他們卻勸你賣掉。

But you ignore them, and slowly but surely, the market recovers, until...

但你忽略了它們，市場慢慢地恢復，直到...

The Nasdaq index in free fall, down nearly 10%.

納斯達克指數自由落體，下跌近 10%。

Driven by technology in general, and the internet in particular.

技術，尤其是互聯網的推動。

Traders and investors shell-shocked.

交易商和投資者震驚不已。

Your friends are on their knees, begging you to pour your money out, saying things like, it's time to take your profits, before you lose everything.

你的朋友們跪在地上，求你把錢倒出來，說什麼 "是時候獲利了，免得傾家蕩產 "之類的話。

But you hold strong, and things start going back up, until you're hit with...

但你堅持住了，一切又開始好轉，直到你被......

It was one of the most profound events in generations, with huge consequences.

這是幾代人中最深刻的事件之一，影響巨大。

Little did you know, you're in for the ride of a lifetime, until...

你不知道的是，你將經歷一生的旅程，直到......

The global economy will contract by 3% this year.

今年全球經濟將萎縮 3%。

The worst downturn since the Great Depression.

大蕭條以來最嚴重的衰退。

Surely this is the end of the stock market.

這肯定是股市的末日。

But as things reopened, the market soared 27% from its low, setting new records.

但隨著股市重新開盤，市場從低點飆升了 27%，創造了新的記錄。

What a comeback.

真是捲土重來。

Something I didn't mention, is the guy that invested his money in 1985, was actually me, when I turned 18 years old.

我沒有提到的是，1985 年把錢投進去的那個人，其實就是我，當時我 18 歲。

The average return over this time period was 11.23% per year.

這一時期的平均回報率為每年 11.23%。

So, if I'd have only invested $250 per month during this time, then I would have made $1,841,521.08.

是以，如果我在這段時間裡每月只投資 250 美元，那麼我就能賺到 1,841,521.08 美元。

That's a return of over 6,000%.

回報率超過 6000%。

But between us, I invested a lot more than that.

但在我們之間，我投入的遠不止這些。

So now you understand the power of investing, I think it's time to jump into the details.

現在你瞭解了投資的力量，我想是時候談談細節了。

Honestly, it's amazing how many people talk about investing, but don't actually show you how to do it.

老實說，很多人都把投資掛在嘴邊，卻不告訴你如何去做，這實在令人吃驚。

So I'm going to quickly walk you through how to invest in stocks on your phone.

是以，我將帶你快速瞭解如何在手機上投資股票。

Of course, remember, I'm not a financial advisor.

當然，請記住，我不是財務顧問。

This is just the way I do it.

我就是這麼做的。

And before you do any of this, make sure you have an emergency fund of three to five months of living expenses.

在做這些事情之前，確保你有一筆相當於三到五個月生活費的應急基金。

The first thing on our list is to set up an account.

我們要做的第一件事就是建立一個賬戶。

A lot of people get stuck at this stage, as there's a lot of different investment platforms out there, and also different types of accounts.

很多人在這個階段都會陷入困境，因為有很多不同的投資平臺，也有不同類型的賬戶。

But trust me, it's much more simple than it first seems, especially now you can do it all online.

但相信我，這比想象中要簡單得多，尤其是現在您可以在網上完成這一切。

When I first started investing, I had to phone up the stock broker every time I wanted to buy a stock.

我剛開始投資時，每次想買一支股票，都要給股票經紀人打電話。

Let's use the Trading212 app.

讓我們使用 Trading212 應用程序。

I'm going to be using my son's account, as my account's pretty messy, as it has a bunch of free shares.

我打算用我兒子的賬戶，因為我的賬戶很亂，裡面有很多免費股票。

He's actually been running an experiment on here for the last three months, but we'll talk about that in a bit.

實際上，在過去的三個月裡，他一直在這裡進行一項實驗，但我們稍後再談。

The account you open should be a tax-advantaged one.

您開設的賬戶應該是稅收優惠賬戶。

This means you won't have to pay any unnecessary taxes.

這意味著您不必繳納任何不必要的稅款。

These are known as stocks and shares ISAs in the UK, and Roth IRAs in America.

在英國，這些被稱為股票和股票 ISA，在美國則被稱為羅斯 IRA。

I think the UK option's much better, as you can invest up to £20,000 a year without paying capital gains tax on your profits, and you can take out your money whenever you want.

我認為英國的選擇要好得多，因為您每年最多可以投資 20,000 英鎊，無需為利潤繳納資本利得稅，而且您可以隨時取出資金。

In contrast, Americans have to wait until they're old and retired, and they have a much lower limit of $6,500 per year.

相比之下，美國人必須等到年老退休，而且他們的限額要低得多，只有每年 6500 美元。

Feel free to use whatever app you like.

您可以隨意使用您喜歡的應用程序。

This is just one of my personal favorites.

這只是我個人的最愛之一。

Next, we need to deposit some money in order to start investing.

接下來，我們需要存入一些錢，以便開始投資。

Most apps make it pretty easy to deposit money.

大多數應用程序都能輕鬆存款。

We just have to click these three lines, and then select Deposit Funds.

我們只需點擊這三行，然後選擇 "存款"。

As you can see, this brings up a screen with lots of different options, like Instant Bank Transfer, Bank Transfer, Debit Card, and what we're going to use, Apple Pay.

如你所見，螢幕上會出現很多不同的選項，如即時銀行轉賬、銀行轉賬、借記卡，以及我們要使用的 Apple Pay。

Let's just put in 400, so we can invest in some stocks together.

我們就投 400 吧，這樣我們就可以一起投資一些股票了。

Feel free to invest whatever you feel comfortable doing.

您可以隨意投資您覺得合適的項目。

Curtis, I'm going to need your face for the phone.

柯蒂斯 我需要你的臉接電話

All right, hang on.

好吧，等一下

This next step is super important.

下一步非常重要。

Getting some free stocks.

獲得一些免費股票

Since I was planning to talk about trading 212 anyway, I reached out to them to see if they would be interested in sponsoring this portion of the video.

既然我打算談論 212 交易，我就聯繫了他們，看看他們是否有興趣贊助這部分視頻。

They agreed, and they're offering a free stock worth up to £100 to anyone that uses the code TILBRI when they create an account.

他們同意了，現在只要在創建賬戶時使用代碼 TILBRI，就可以免費獲得價值高達 100 英鎊的股票。

Plus, you can get more free shares by inviting your friends.

此外，您還可以通過邀請朋友獲得更多免費分享。

Both of you will get a free share as long as they fund their account, so don't waste your invites and invite brokies.

只要他們為自己的賬戶充值，你們都將獲得免費份額，所以不要浪費你的邀請和邀請兄弟。

And also, don't worry if you've already opened an account within the last 10 days.

此外，如果您在過去 10 天內已經開設了賬戶，也不用擔心。

You can still use the promo code TILBRI in the app and receive your free share.

您仍然可以在應用程序中使用促銷代碼 TILBRI 領取免費份額。

Right, now we need to plan a winning strategy.

好了，現在我們需要制定一個制勝戰略。

The first thing we need to remember is that investments go up and down, so it's very hard to pick winning individual stocks.

我們首先要記住的是，投資是漲漲跌跌的，是以很難選出獲勝的個股。

That's why I prefer to invest in all of them.

這就是為什麼我更願意投資所有這些項目。

You probably think this sounds a bit crazy, but stay with me.

你可能覺得這聽起來有點瘋狂，但請聽我說。

I love listening to music.

我喜歡聽音樂。

I'm a big Deacon Blue and Queen fan myself.

我本人也是 Deacon Blue 和皇后樂隊的忠實粉絲。

But whatever you like, if you've ever listened to the radio or used Spotify, you'll be familiar with the music charts.

但無論你喜歡什麼，只要你聽過廣播或使用過 Spotify，你就會對音樂排行榜不陌生。

The better the songs perform in sales and downloads, the higher up they go in the charts.

歌曲的銷量和下載量越好，在排行榜上的排名就越靠前。

On the other hand, if a song drops in popularity and sales, then it drops out of the charts.

另一方面，如果一首歌曲的受歡迎程度和銷量下降，它就會退出排行榜。

This is almost exactly the same as investing in an index fund.

這與投資指數基金幾乎一模一樣。

All you have to do is switch out the songs for companies.

您只需將歌曲換成公司歌曲即可。

Let's take the S&P 500, for example.

以標準普爾 500 指數為例。

This is a list of around 500 of the largest public companies in the USA.

這是一份約 500 家美國最大上市公司的名單。

The big dogs being Amazon, Google, Apple, and Tesla.

其中的佼佼者是亞馬遜、谷歌、蘋果和特斯拉。

And just like the music charts, if a company does poorly, then they risk being removed from the list.

就像音樂排行榜一樣，如果一家公司表現不佳，就有可能被除名。

Here's the cool part about an index fund.

指數基金最酷的地方就在這裡。

With just one click, you're not just investing in one or two companies, but in every single company on the list.

只需點擊一下，您投資的就不僅僅是一兩家公司，而是名單上的每一家公司。

So if one doesn't perform very well, your money's okay as you'll spread across all of them.

是以，如果其中一個表現不佳，你的資金也不會有問題，因為你會把資金分散到所有這些項目中。

So how can we put this into practice?

那麼，我們該如何將其付諸實踐呢？

Well, we need to automate our long-term investments.

那麼，我們需要將長期投資自動化。

Remember I said my son had been running a little experiment for the last three months on his account?

還記得我說過，在過去的三個月裡，我兒子一直在用他的賬戶做一個小實驗嗎？

Well, he's been investing five pounds into the S&P 500 every day.

他每天向標準普爾 500 指數投資五英鎊。

Why five pound?

為什麼是 5 磅？

Because that's about the average price of a Starbucks coffee.

因為這差不多是星巴克咖啡的平均價格。

Automating your investments like this is a great idea as it means you can just set it and forget it.

像這樣實現投資自動化是個好主意，因為這意味著您只需設置，然後就可以忘掉它。

His portfolio is actually doing pretty well.

他的投資組合其實做得不錯。

As you can see in the green, his return so far is 36 pounds and 46 pence, and that's a return of 5.03%.

從綠色部分可以看到，到目前為止，他的收益是 36 英鎊 46 便士，收益率為 5.03%。

Not bad for a little experiment.

對於一個小實驗來說還不錯。

If you want me to keep you updated with this when it reaches the six-month mark, let me know in the comments.

如果您希望我在六個月後繼續更新，請在評論中告訴我。

To set something like this up, all you have to do is select Pies and then press the plus icon.

要設置這樣的功能，只需選擇餡餅，然後按加號圖標。

Now you can select whatever stocks you want to include in your pie.

現在，您可以選擇任何想加入餡餅的股票。

For this demonstration, let's just keep it easy and pick this S&P 500 index fund.

在這次演示中，讓我們簡單點，選擇這隻標準普爾 500 指數基金。

By the way, look out for if it says accumulation or distribution in the brackets.

順便提一下，注意括號裡寫的是累積還是分配。

Personally, I always go with accumulation as it reinvests your dividends back into the stock automatically.

就我個人而言，我總是選擇累積法，因為它能自動將股息再投資到股票中。

The less I have to think about, the better.

我想得越少越好。

Now let's tap Add to Pie and then the arrow button.

現在，讓我們點擊 "添加到派"，然後點擊箭頭按鈕。

If there was more than one stock in here, then we'd be able to change the percentages with this slider.

如果這裡有不止一隻股票，那麼我們就可以用這個滑塊來改變百分比。

Right, tap Next and then Auto Invest.

右擊 "下一步"，然後點擊 "自動投資"。

This value projection is really awesome.

這種價值預測真的很棒。

As it shows you how much money you could make based on historical averages.

因為它會根據歷史平均值向你展示你能賺多少錢。

Of course, when you invest, you can get back less than you invested as investments can rise and fall.

當然，當你進行投資時，由於投資有漲有跌，你可能會得到比投資少的回報。

But it's still a great way to get an idea of how much you could make based on data-backed projections.

不過，根據數據支持的預測，這仍然是瞭解自己能賺多少錢的好方法。

I mean, say we invested 250 pounds a month for 31 years.

我的意思是，假設我們每月投資 250 英鎊，持續 31 年。

You'll only have invested 94,000 of your own money.

你只投入了自己的 94,000 美元。

Your portfolio would be 1.14 million.

你的投資組合將是 114 萬。

If we expand this to 40 years, your portfolio would be 3.56 million.

如果我們將其擴大到 40 年，您的投資組合將達到 356 萬。

It's worth having a play around with this as it's quite motivational seeing how much money you can make with a relatively small amount invested per month.

值得一玩的是，每月只需投入相對較少的資金，就能賺到這麼多錢，這很有激勵作用。

And to all the people in the comments saying, well, what about inflation?

評論中有人說，那通貨膨脹怎麼辦？

It will make your money worth far less.

這會讓你的錢變得更不值錢。

As long as you're investing and not just keeping your money in a bank account, then inflation is not something you need to be extremely worried about.

只要你是在投資，而不只是把錢存在銀行賬戶裡，那麼通貨膨脹就不是你需要極度擔心的事情。

Additionally, I increased the amount I was investing to keep pace with inflation.

此外，我還增加了投資金額，以跟上通貨膨脹的步伐。

Now, let's pick some individual stocks.

現在，我們來挑選一些個股。

Although I wouldn't recommend that beginners bother with picking stocks, I know many of you are gonna try anyway, especially since you've seen people make millions from the right meme stock that skyrocketed like GameStop.

雖然我不建議初學者費心挑選股票，但我知道你們中的很多人還是會嘗試，尤其是你們已經看到有人從像 GameStop 這樣暴漲的股票中賺到了數百萬美元。

All right, so there's basically two ways to take a stab at figuring out what's going on in the stock market, technical and fundamental analysis.

好了，要想弄清股市的走勢，基本上有兩種方法：技術分析和基本面分析。

Those quick deal day traders are all about the technical stuff, pouring over price charts and patterns, thinking they've got the scoop on how the stock's gonna swing just by eyeballing the ups and downs.

那些快速交易的日間交易者只關注技術層面的東西，翻閱價格圖表和形態，以為只要盯著漲跌就能掌握股票如何波動的獨家新聞。

Now me, I'm more of a long-term player.

現在的我，更像是一個長期玩家。

I dig into the nitty gritty of a company's fundamentals.

我深入研究公司的基本面。

You know, the financials, who's steering the ship and how well-known the brand is.

要知道，財務狀況、誰在掌舵以及品牌的知名度有多高。

I reckon that's where the real lowdown is for predicting a stock's long-term success.

我認為，這才是預測一隻股票長期成功與否的真正關鍵所在。

So I sift through income statements, balance sheets, and cashflow statements.

是以，我篩選了收益表、資產負債表和現金流量表。

When I throw money into a stock, I'm in it for the long haul, at least two to five years minimum.

當我把錢投入一隻股票時，我會長期持有，至少兩到五年。

To find stocks, simply click on the magnifying glass icon.

要查找股票，只需點擊放大鏡圖標即可。

Trading 212 have made it incredibly easy to find stocks by providing various lists, such as big tech, popular ETF, banks, and most owned.

交易 212 通過提供各種列表，如大型科技股、熱門 ETF、銀行股和最多持有股，讓查找股票變得異常簡單。

There's also lots more.

還有更多。

Take a look when you find a bit of time.

有時間的話，您可以去看看。

You can even go on the social feed tab and see different pies that other users have created and copy it for yourself with a single click.

你甚至可以在社交 feed 標籤上查看其他用戶製作的不同餡餅，並一鍵複製到自己的作品中。

So you don't have to find the stocks yourself.

是以，您不必自己去尋找股票。

On the stock page, you can see the price graph.

在股票頁面，您可以看到價格圖表。

And by scrolling down, you can actually access all those important financial documents I discussed earlier.

通過向下滾動，您可以訪問我之前討論過的所有重要財務文件。

Now, let's buy a stock.

現在，我們來買一隻股票。

Tesla will do.

特斯拉就可以。

Now this pulls up a page with a couple of different options.

現在會彈出一個頁面，上面有幾個不同的選項。

The first one is a market order.

第一個是市價訂單。

A market order is just like when you go to the supermarket and pay whatever the price tag says.

市場訂單就像你去超市買東西一樣，標價多少就付多少錢。

A limit order, on the other hand, is like going to a boot fair and haggling for the best price you want.

另一方面，限價訂單就像去靴子展銷會討價還價，以獲得你想要的最好價格。

You can put in a price that you're willing to pay.

您可以提出您願意支付的價格。

And if the price ever gets to that level, then the app will purchase the stock for you.

如果價格達到這個水準，應用程序就會幫你購買股票。

As a beginner, that's all you really need to know.

作為初學者，這就是你真正需要知道的。

There's no point diving into the other options.

沒有必要深入研究其他選項。

Let's buy 400 pounds worth of Tesla so I can show you how it's done.

我們來買 400 磅的特斯拉，讓我給你演示一下。

The final step is to press send by order.

最後一步是按訂單發送。

And boom, we're now part owners of Tesla.

我們現在是特斯拉的部分車主了。

So now you know all the steps and you've got a free stock with the link in the description.

現在你知道了所有步驟，並在描述中找到了免費股票的鏈接。

What's holding you back?

是什麼阻礙了你？

Well, it all sounds great, Mark, but isn't investing a bit risky?

聽起來不錯，馬克，但投資是不是有點風險？

Well, take a look at this.

看看這個

If you're investing a single amount every month from the age of 25, you would be around about here if you invested for around 30 years.

如果你從 25 歲開始每月投資一筆錢，那麼如果你投資 30 年左右，你的投資額大約就在這裡。

Now, if you waited 10 years, this is the difference it will make to your growth.

現在，如果你再等 10 年，這對你的成長將產生多大的影響。

Somewhere around about here.

大概就在這附近

Look at the difference.

看看有什麼不同。

It's absolutely crazy.

這簡直太瘋狂了。

So start young.

所以，要從年輕時做起。

If you have a diversified portfolio of index funds and keep investing at a gradual rate each and every year, then even if there's a stock market crash, then historical data shows you should be able to endure the storm, just like I did.

如果你有一個多元化的指數基金投資組合，並且每年都以漸進的速度進行投資，那麼即使發生股市暴跌，歷史數據也表明你應該能夠像我一樣經受住暴風雨的考驗。

If you wanna know why net worth goes crazy after 100K, then you can check out this next video, but don't click on it just yet.

如果你想知道為什麼淨資產在 10 萬之後會瘋狂增長，那麼你可以看看下一個視頻，但先別急著點擊。

Make sure to subscribe if you wanna grow your wealth, okay?

如果你想增加財富，請務必訂閱，好嗎？

I'll see you over there.

那邊見