Name: 花了5個月研究金錢！發現最安全的投資方法是這個！ (I studied money for 5 months. And found one of the safest ways to invest it.)
Uploaded: 2026-01-17T17:37:39.000Z
Duration: 8 min 9 s

過去簡單式

I studied money for five months and I finally found it.

我研究 money 五個月，終於找到了。

to 不定詞

This is one of the safest ways to invest your money.

這是最安全的一種投資 money 的方式。

情態助動詞 A2

It's so safe I could put all my money in it and it almost has no risk.

它非常安全，我可以把所有的 money 都放進去，幾乎沒有風險。

If you are scared of investing your money, then this video is for you.

如果你害怕投資 money，那麼這支影片就是為你準備的。

But first, Sambaka, I am on a six month challenge to study money, how to invest it and grow it.

不過首先，Sambaka，我正在進行一個為期六個月的挑戰，研究 money、如何投資它以及讓它增長。

I am doing this with my friend Yoni who is the founder of Etoro, the largest social investing platform in the world.

我正和我的朋友 Yoni 一起做這件事，他是 Etoro 的創辦人，Etoro 是世界上最大的社交投資平臺。

If you want to join us, just go to NAS IO Money.

如果你想加入我們，請到 NAS IO Money。

Everything I'm learning is available to you there for free.

我學到的一切在那裡都可以免費讓你學習。

The reason you don't invest your money is because you are scared.

你不敢投資 money 的原因，是因為你害怕。

You're scared to buy a stock and it goes down.

You're scared to buy crypto and it goes to zero.

你害怕買了加密貨幣它就歸零。

Sometimes all the markets, all the stocks go down.

有時候，所有的市場、所有的股票都會下跌。

And some people are afraid of that uncertainty.

That's why you have to learn about government bonds.

這就是為什麼你必須瞭解政府債券。

They're incredible, an incredible way to start.

它們很棒，是很棒的入門方式。

Instead of buying stocks or crypto, you take that thousand dollars and give it to the government as a loan.

與其買股票或加密貨幣，你把這筆錢借給政府。

You can buy a government bond or bond etf.

The government will take your money and then give you around 4.5% interest on that money.

政府會收下你的錢，然後給你大約 4.5% 的利息。

It means that thousand dollars you invested, you're gonna get $45 every year from that thousand dollars.

這代表你投資的一千塊錢，每年可以從中拿到 45 塊錢。

And when the loan is up, when the loan finishes, the government returns to you the entire $1,000 back.

而當貸款到期、貸款結束時，政府會把全部的 1,000 塊錢還給你。

And it's probably one of the safest ways to invest your money.

這可能是你投資 money 最安全的方式之一。

Because the US government is mostly safe.

因為美國政府基本上是安全的。

They most likely will not go bankrupt tomorrow or the next year.

他們不太可能在明天或明年就破產。

And if the US government goes bankrupt, then we have much bigger problems.

如果美國政府破產了，那我們就有更大的麻煩了。

In the case of US government bonds or treasury, it is considered the same safest investment there is.

就美國政府債券或國庫券來說，它被認為是最安全的投資了。

Because you're basically lending money to the US government and the US has never missed a payment.

因為你基本上是把錢借給美國政府，而美國從未拖欠過還款。

Bonds are a great way to invest your money safely because you can predict how much money you'll get back.

債券是一種安全投資 money 的好方法，因為你可以預期會拿回多少 money。

這就是為什麼它被稱為固定收益。

If you invest $100,000 in government bonds with a 5% interest, you know what that means?

如果你投資 100,000 元在利率 5% 的政府債券，你知道這代表什麼嗎？

That means you'll get $5,000 every year on that bond.

這表示你每年會從那張債券賺取 5,000 元。

And when the bond is up, when you get back your loan, you get that hundred thousand dollars back.

而當債券到期，你收回貸款時，你會拿回那十萬元。

So you made that $5,000 almost risk free.

所以你賺了那 5,000 元，幾乎是無風險的。

It's almost like a single salary that you can predict every year.

這幾乎就像一份你每年都可以預期的薪水。

That's why I invested millions of dollars of my personal money into bonds.

這就是為什麼我把數百萬美元的個人 money 投入債券。

Those millions of dollars, I don't want them to double.

這數百萬美元，我不想它們翻倍。

I want them to grow small and steady and safe.

我希望它們緩慢、穩定且安全地增長。

Because that's my retirement money, almost.

But as my grandfather, who used to be a Swiss banker, says, the bond markets offers a reliable and consistent return to his asset management clients.

但就像我當過瑞士銀行家的爺爺說的，債券市場為他的資產管理客戶提供可靠且穩定的回報。

For a three year bond, this means Coca Cola will take your money and invest it in factories to grow them.

對於三年期債券，這意味著可口可樂會拿你的 money，然後投資在工廠來讓它們增長。

And then after three years they will give you back your money.

If you are still scared of bonds, then check this out.

如果你還是害怕債券，那就看看這個。

Every bond has a grade, just like high school.

每一張債券都有一個評級，就像高中成績一樣。

A grade from A to D. A means the bond has very little risk, mostly safe.

從 A 到 D 的評級。A 代表債券的風險非常小，大部分是安全的。

And D, it means it's very risky, so be careful.

而 D，代表它風險很高，所以要小心。

So if you buy a triple A bond, then that's mostly safe.

所以如果你買一張 AAA 級債券，那基本上是安全的。

If you buy a D bond, then you may lose your money.

如果你買一張 D 級債券，你可能會賠上你的 money。

And the US government, for example has a rating of AA, which basically means you can trust it as a safe investment.

像是美國政府，它的評級是 AA，這基本上代表你可以信任它作為一個安全投資。

If you want an income, additional income every year, then you should think about investing in bonds because that is fixed income.

如果你想要一份收入，每年額外的收入，那你應該考慮投資債券，因為那是固定收益。

Your salary at your job and a fixed income from the bonds.

你工作領的薪水，還有從債券來的固定收入。

The bond market is actually the largest market in the world.

債券市場其實是全世界最大的市場。

$140 trillion bigger than all the stock markets combined.

比所有股票市場加起來還要大 140 兆美元。

And that's because that's where governments and the largest corporations in the world both raise debt as well as invest their Treasuries.

這是因為各國政府和全球最大的企業都會在這裡發行債務，同時也會投資他們的國庫。

Now remember I say there is no risk, but of course everything has a risk.

現在記住我說沒有風險，但當然凡事都有風險。

Number one, if the government collapses, we lose money.

第一點，如果政府倒閉，我們就會賠上 money。

If the inflation is too high, you could lose money.

如果通膨太高，你可能會賠上 money。

If you sell the bond too early, you could lose money.

如果你太早賣掉債券，你可能會賠上 money。

There are ways in which you could lose money, but that's the risk.

確實有你可能賠上 money 的情況，但這就是風險。

However, if you are just buying a 10 year U.S. government bond with, for example, 4% return.

不過，如果你只是買一張十年期的美國公債，假設有 4% 的報酬率。

And you wait for 10 years, you'll get back 4% every year for 10 years and you'll get your money back.

然後你等十年，每年都會拿到 4% 的報酬，十年後拿回你的 money。

投資 money 其實不應該讓人害怕。

To make your money work for you, you don't have to buy crypto or stocks or whatever.

要讓你的 money 為你工作，你不用去買加密貨幣、股票或其他的東西。

You could invest your money in a safe and measured manner.

你可以用安全且有計劃的方式來投資你的 money。

You just have to start thinking about money.

See you next month for one last video about money.

下個月再見，這是關於 money 的最後一支影片。

字幕列表影片播放

花了5個月研究金錢！發現最安全的投資方法是這個！ (I studied money for 5 months. And found one of the safest ways to invest it.)

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