Name: 我花 6 個月學理財！竟讓我的子孫後代受益無窮！ (I studied money for 6 months. It changed the life of my future grandkids.)
Uploaded: 2026-01-15T17:00:34.000Z
Duration: 5 min 29 s

過去簡單式

This is the five lessons I learned about money in one video.

這是我從金錢學到的五個教訓，濃縮在一個影片裡。

祈使句型

It loses value on average, 3% inflation every year in the United States.

平均每年損失價值，美國有 3% 的通膨。

That's why 10% of my money is in cash and 90% is in investments working for me.

這就是為什麼我 10% 的錢是現金，90% 是為我工作的投資。

And you decide what percentage is good for you.

而你決定什麼百分比對你來說是好的。

Your cash loses value every single day due to inflation.

你的現金每天都會因為通膨而損失價值。

Governments will keep on printing money and your money will keep losing its value.

政府會一直印鈔票，你的錢也會持續失去價值。

Nasdaq is one of the largest stock exchanges in the world.

Nasdaq 是全球最大的證券交易所之一。

The ST market goes up and down every day.

But if you look at the last 100 years, the stock market went up on average 10% every year.

但如果你看看過去 100 年，股票市場平均每年上漲 10%。

Yes, it may crash, but if you hold your stocks long enough, eventually they recover.

是的，它可能會崩盤，但如果你持有股票足夠長的時間，它們最終會恢復。

So if you trust the data, if you trust the math, then believe in the stock markets.

所以如果你相信數據，如果你相信數學，那就相信股票市場。

I think the stock markets provides great opportunity for long term investing.

我認為股票市場為長期投資提供了絕佳的機會。

But you need to be prepared that over the short term markets correct and your portfolio might go down.

但你要有心理準備，短期內市場會修正，你的投資組合可能會下跌。

And one of the most important lessons in investing in the markets is don't panic and don't sell when the markets go down.

在市場投資最重要的功課之一就是不要恐慌，市場下跌時不要賣出。

Number three, Three, not every investment is risky.

第三點，不是每一項投資都有風險。

Yes, the stock market goes up and down, but

是的，股票市場會漲也會跌，但是

if you want something steady, you can just buy US government bonds.

如果你想要穩定的，你可以直接買美國政府債券。

It's a great way to beat inflation, preserve your cash and build wealth slowly and steadily over time until you retire.

這是對抗通膨、保護你的現金，並隨著時間慢慢穩定地累積財富直到你退休的絕佳方式。

Bonds and fixed income are an important part of the markets where you can invest to get stable and predictable returns.

債券和固定收益是市場中重要的一部分，你可以在那裡投資以獲得穩定且可預期的報酬。

It's boring, but you know, you make returns that are higher than inflation if you invest correctly.

它很無聊，但你知道，如果你投資得當，你會獲得比通膨更高的報酬。

Yes, it goes up and down by a lot, but the technology, it's very useful.

是的，它會大幅漲跌，但這項技術非常有用。

I believe that one day billions of people are going to use crypto for their finances.

我相信有一天，數十億人將會使用加密貨幣進行金融交易。

So instead of running away from it, try to understand it.

所以與其逃避它，不如試著去了解它。

We've been in bitcoin since 2011 and have seen the various crypto markets go up and down.

我們從 2011 年就開始接觸比特幣，也見證過各種加密貨幣市場的起伏。

This is super interesting technology, the new technology to manage digital assets.

這是一項超有趣的技術，是管理數位資產的新技術。

And you can't ignore that size of the market.

而且你不能忽視這個市場的規模。

It's over $3 trillion market, it's one of the largest capital markets in the world.

它的市值超過 3 兆美元，是全球最大的資本市場之一。

And nobody in the financial markets is ignoring it anymore.

而且現在金融市場上沒有人再忽視它了。

Number five, real estate is not always right.

第五點，房地產不一定總是正確的。

But if you think real estate is the best way to invest your money, then think again.

但如果你認為房地產是你投資資金的最佳方式，那請再想想。

I am not sure that real estate is the best opportunity to invest your money.

我不確定房地產是你投資資金的最佳機會。

I love my investments to be with a click of a button of open and close.

我喜歡我的投資能一鍵點擊就開倉平倉。

And there are a lot of opportunities in the markets to invest in real estate, like REITs and ETFs and REITs without having to buy a big building, without having to actually buy a physical building.

而且市場上有好多機會可以投資房地產，像是REITs和ETFs，不用真的買一棟大樓，也不用實際買實體建築。

Everything I just shared is my opinion on money.

以上我分享的都是我對金錢的看法。

this is how I grew my money for the last 10 years.

這就是我過去十年來讓我的錢變多的方法。

So if there is one thing I want you to remember, and now I'm very serious.

所以如果有一件事我希望你記住，而且現在我非常認真。

As I said, the best tutorial student to date.

就像我說的，到目前為止最棒的學員。

It was amazing to see how from every video you've learned to become a better investor yourself.

看到你從每個影片中學到東西，讓自己成為更棒的投資人，這真的很令人驚豔。

And it just showed me how beautiful the market is.

這也讓我看到市場有多麼美好。

There are always more opportunities, even opportunities that I didn't expect before going into this challenge together with you.

總是有更多機會，甚至是我在跟你一起迎接這個挑戰之前沒預料到的機會。