Name: 如果我從2026年開始投資，我會這樣做！ (If I Started Investing in 2026, This Is What I'd Do)
Uploaded: 2026-01-13T18:24:47.000Z
Duration: 18 min 53 s

程度副詞

If I were starting from $0 in 2026, I would completely ignore 90% of what the Internet tells you about investing.

如果我從零開始，在2026年，我會完全忽略網路上90%的投資建議。

In fact, doing what everyone else is doing is the guaranteed way to stay broke.

事實上，做跟別人一樣的事，絕對會讓你窮光蛋。

That's why more than 90% of all new investors lose money.

這就是為什麼超過90%的新手投資者都會賠錢。

I have been investing for more than 10 years, and

in this video, I want to break down the exact plan I would follow.

在這支影片裡，我想詳細拆解我會遵循的確切計畫。

If I had to start from scratch today, how would I realistically grow my portfolio to over?

如果我必須從頭開始，我會怎麼實際地增加我的投資組合？

And to be honest, today, it's a lot easier than it was 10 years ago.

說實話，現在比10年前容易多了。

So if you're thinking to invest or planning to start investing this year, you will find this video very helpful.

所以，如果你今年正考慮投資或計畫開始投資，這支影片會對你非常有幫助。

The first thing that I would do is to get the big picture right.

我會做的第一件事，就是建立正確的大局觀。

Why investing is so important to get me to financial goals.

為什麼投資對達成我的財務目標這麼重要。

If I don't have all of that written down, then I will give up.

如果我沒有把這些都寫下來，我就會放棄。

Down the road, think of investing this way.

長遠來看，你可以這樣看待投資。

Imagine that you have $300,000 in your pocket.

想像一下你口袋裡有 30 萬美元。

You can pay a Ferrari store a visit and get yourself a brand new Ferrari.

你可以去法拉利專賣店，買一輛全新的法拉利。

It's going to feel really exciting to have that car.

擁有那輛車，感覺會非常興奮。

a few months down the road, it will just become another car.

幾個月後，它就只是另一輛車了。

But if you take that $300,000 and get yourself a piece of real estate, it's not going to feel as exciting as buying a Ferrari.

但是如果你把那 30 萬美元拿去買一間房地產，感覺就不會像買法拉利那麼令人興奮。

But a few months down the road, that piece of real estate is going to generate your rental income.

但是幾個月後，那間房地產就會開始產生你的租金收入。

So while your Ferrari is sitting in the garage, your piece of real estate is working day and night to make you rich.

所以當你的法拉利停在車庫裡時，你的房地產卻日夜為你工作，讓你致富。

And 10 years later, your Ferrari most likely is not going to survive if you're not going to maintain it.

十年後，如果沒有好好保養，你的法拉利很可能就撐不下去了。

In the best case scenario, it is going to lose like 50% of its value.

最好的情況下，它可能會損失一半的價值。

But that piece of real estate will continue generating rental income.

但是那間房地產會持續產生租金收入。

And 10 years from now, it is going to double its value or maybe even triple.

而且十年後，它的價值可能會翻倍，甚至翻三倍。

And that is the mindset that you need to have when you approach investing.

這就是你在進行投資時需要有的心態。

So before you spend any money on things that you don't actually need, but

所以，在你花錢買你真正不需要的東西之前，

on things that you want, such as vacations or getting yourself a more expensive car, think about how that money is going to change your life.

而是買你想要的東西，像是度假或買一輛更貴的車，請想想那筆錢會如何改變你的人生。

If you would spend that money on investing, another important thing to keep in mind is to set your expectations right.

如果你會把這筆錢拿去投資，另一件要記得的重要事情是設定好你的預期。

A lot of people have this idea that I will start investing in January.

很多人會有一個想法，覺得一月開始投資。

By February, my investments will grow exponentially.

到了二月，我的投資就會指數級地成長。

And by the end of the year, I will be A multimillionaire because I started investing this year.

到了年底，我就會成為一個百萬富翁，因為我今年開始投資了。

Unfortunately, it doesn't work like that.

可惜，事情並不是這樣運作的。

It is going to take you some time before your investments will actually start earning you any money or whatsoever.

你的投資需要一些時間，才會真正開始為你賺到任何錢。

There is a tipping point that you reach when you reach that point.

After that, your investments will exponentially grow.

在那之後，你的投資就會指數級地成長。

Now compare investing to learning a new skill such as playing a piano.

現在把投資跟學習新技能做個比較，像是彈鋼琴。

In the beginning, it's going to be a play really hard with the piano.

一開始，你會覺得彈鋼琴很難。

But after a year or two of practicing every single day to play a piano, you will master piano and you will enjoy the game.

但經過一兩年每天練習彈鋼琴，你就會精通鋼琴，也會開始享受這個過程。

The exact same analogy works with investing.

So when you don't have that expectations right, you're going to start investing for a few months and then you're like, oh, I invested $20,000 or $50,000, but

所以當你沒有正確的預期時，你可能會開始投資幾個月，然後想說，喔，我投資了兩萬或五萬塊，

But when you have that exponential growth and the snowball effect in your head, you know that if I'm going to stay consistent and I reach a tipping point of $100,000 for example, my investments are going to exponentially grow.

但當你腦中有了指數級成長和滾雪球效應的概念，你就知道如果我持續堅持，達到像十萬塊的臨界點，我的投資就會指數級地成長。

Now, before we get deeper and I tell you the exact investments that I will be buying, I want to share with you something that is really helpful.

現在，在我深入探討我會購買的確切投資標的之前，我想跟你分享一些非常有幫助的東西。

I I can't be covering everything in this video, so I put together a free investing course that breaks down the exact principles and the strategies that I use.

我沒辦法在這支影片裡講完所有東西，所以我準備了一個免費的投資課程，裡面詳細介紹了我使用的確切原則和策略。

It is designed to give you a solid foundation and practical steps that you can take right now.

這個課程旨在給你一個穩固的基礎，以及你現在就可以採取的實際步驟。

It's also a community of like minded people who are also investing or just started investing.

這裡也是一個社群，聚集了許多和你一樣正在投資或剛開始投資的人。

So the community is going to become a paid community very soon.

所以這個社群很快就會變成付費社群了。

If you want to access it right now for free, you can.

如果你現在想免費加入，你可以。

You can do that by checking the first link in the description of this video.

只要點擊這支影片說明欄的第一個連結就可以了。

Investing could feel overwhelming because there are so many investing options.

投資可能會讓人覺得不知所措，因為有太多投資選項了。

You could buy gold, silver, oil, you could go into stocks.

你可以買黃金、白銀、石油，也可以買股票。

You can buy us treasuries, cryptos, ETFs, you name it.

你可以買美國國債、加密貨幣、ETF，你想得到的都有。

There are a gazillion number of investments that you can make.

你可以做的投資有數不清的種類。

But all of these investments fall under four major categories.

不過，這些投資都歸類在四大主要類別裡。

The first one is the equity market or it's known as the stock market.

第一個是股權市場，也就是大家熟知的股票市場。

In the US alone, it worth more than $60 trillion.

光是在美國，市值就超過 60 兆美元。

This is when you buy stocks such as Nvidia or Apple or even ETFs such as the S&P 500.

這就像是買 Nvidia 或 Apple 這樣的股票，或是像 S&P 500 這樣的 ETF。

The second largest market is the debt market or it's Known also as the bond market.

第二大的市場是債務市場，也稱為債券市場。

This is when you make money by loaning your money.

You loan your money to the US Government.

By buying US Treasuries, you will receive a specific amount of interest.

購買美國國債，你會收到特定的利息。

And when that debt expires, you will get your money back.

而當債務到期時，你會拿回你的本金。

You can loan your money to the corporations, or you can even loan that money to people who want to take mortgages.

你也可以把錢借給公司，甚至借給想辦房貸的人。

When you buy a mortgage backed security, you're indirectly offering a mortgage to someone.

當你買進房貸抵押證券時，你其實是間接提供房貸給別人。

The third type of investment is a commodity market.

Commodities are gold, silver, copper, oil, you name it.

商品包含黃金、白銀、銅、石油等等，應有盡有。

These are not stocks and they're very different from stocks.

這些不是股票，跟股票非常不一樣。

So you're basically buying a commodity because there is a scarce amount of that commodity in the world.

所以你買進商品，是因為世界上這種商品的數量稀少。

And currently, if you look at gold prices and silver prices, you see that their prices are rising very fast.

而且目前來看，黃金和白銀的價格都在非常快速地上漲。

And that's because there is a huge shortage of silver and there is a huge demand for gold.

這是因為白銀嚴重短缺，而黃金的需求量非常大。

The fourth type of investment are cryptos.

The biggest mistake that I see people usually make is that they jump all over the place.

我看到大家最常犯的錯誤就是東奔西跑，什麼都想嘗試。

They try to buy stocks and then they want to get into debt.

他們試著買股票，然後又想去借錢。

And now because gold prices are rising, they want to buy gold.

現在因為金價在漲，他們就想買黃金。

But the reality is that if I am just starting, I would never pick up all of the four types of investments.

但現實是，如果我剛開始，我絕對不會一次選這四種投資。

In the best case scenario, I would pick two because that will allow me to focus on the right investments.

最好的情況下，我會選兩種，因為這樣我才能專注在對的投資上。

The market is filled with opportunities and trying to chase every opportunity is going to let you with nothing.

市場充滿機會，想抓住每一個機會，最後可能會什麼都得不到。

But if you're focused on one, or best case scenario, two types of investments, you're more likely to win in the market.

但如果你專注在一種，或是最好的情況下兩種投資，你在市場上獲勝的機率會更高。

Every investment has a potential reward, which is the return that you make from that investment.

每一種投資都有潛在的回報，也就是你從該投資中獲得的收益。

The bigger the risk, the higher going to be the potential reward.

So if you buy crypto, that could grow by 100%.

所以如果你買加密貨幣，它可能會增長 100%。

是的，你可能會讓你的錢翻倍。

But at the same time, it simply means that the probability that you will lose your money are insanely high.

但同時，這也意味著你損失金錢的機率非常高。

And if you're just studying and you lost your money or your investments are down by 50%, you will start thinking that investing is not for you.

如果你只是在學習，然後損失了金錢，或者你的投資下跌了 50%，你就會開始覺得投資不適合你。

So it's very important to ensure that you're not taking a lot of risks, but

所以確保你沒有冒很大的風險，但同時又能獲得不錯的回報，這一點非常重要。

at the same time you are getting decent returns.

To be able to buy a stock, you need to open a brokerage account.

要想購買股票，你需要開設一個證券帳戶。