Name: 現在就用這個複利策略，在市場崩盤時致富！ (Use THIS Compounding Strategy NOW to Get Rich When the Market Crashes.)
Uploaded: 2026-03-29T03:09:46.000Z
Duration: 17 min 56 s

to 不定詞

Most people are going to lose money in the next market crash.

下次市場崩盤時，大多數人會賠錢。

And they'll walk away with less than they started with.

然後他們拿走的錢會比一開始還少。

But a small group of people—the ones who understand what I'm about to show you—are going to walk out the other side with more wealth than they had before the crash even started.

但有一小群人——那些懂我接下來要講的內容的人——會在崩盤後變得比崩盤前更有錢。

Today I'm going to show you exactly how to set up your compounding so that a market crash doesn't destroy you.

今天我要教大家如何設定好你的複利，讓市場崩盤不會毀了你。

Let's talk about something that most financial content completely ignores.

我們來聊聊一個大多數理財內容都完全忽略的東西。

Everyone talks about "investing for the long term" and "staying the course." But nobody actually breaks down what you should be doing right now—today—so that when the market drops 30, 40, maybe even 50%, you're not the one panic-selling at the worst possible moment.

大家都在講「長期投資」和「堅持到底」。但沒人真的仔細講，你現在、今天就該做什麼，這樣當市場下跌 30%、40%、甚至 50% 時，你才不會在最糟糕的時機恐慌性賣出。

I've been studying market history for a long time.

But I also think you deserve... the truth.

但我認為你也應該知道……真實情況。

Because the truth is, market crashes are not rare events.

因為事實是，市場崩盤並不是罕見的事件。

They are a completely normal part of investing.

它們是投資中完全正常的一部分。

And if you don't know how to handle them, you are going to lose money that you didn't have to lose.

如果你不知道怎麼應對，你就會損失本來可以避免的錢。

So here's what we're going to cover today: first, I'll show you exactly how compounding works in a crash.

所以今天我們要講的內容是：首先，我會確切地告訴你，複利在崩盤中的作用是什麼。

Because it works differently than most people think.

因為它的運作方式跟你我想的大多數人都不一樣。

Then I'll walk you through three very specific things you can do right now to set yourself up.

接著，我會一步步帶你瞭解，你現在就可以做的三件非常具體的事，讓你做好準備。

And finally, I'll show you the data—real numbers—that prove why the people who prepare for crashes always come out ahead of the ones who don't.

最後，我會給你數據——真實的數字——證明為什麼那些為崩盤做好準備的人，總是比沒準備的人來得好。

Here's something that took me a while to really understand: compounding—the process where your money earns returns, and

有件事我花了好一段時間才真正搞懂：複利——也就是你的錢賺取回報，

then those returns earn returns—is one of the most powerful forces in personal finance.

然後這些回報又賺取回報——是個人理財中最強大的力量之一。

Albert Einstein allegedly called it the eighth wonder of the world.

愛因斯坦據說稱它為世界第八大奇蹟。

But there's a side to compounding that nobody talks about.

The problem is that most people don't understand how compounding interacts with market crashes.

問題是，大多數人都不瞭解複利如何與市場崩盤互動。

And because of that, they do exactly the wrong thing at exactly the wrong time.

是以，他們在錯誤的時間做了完全錯誤的事。

這裡有個簡單的真實數學例子。

Now imagine in year 3, the market drops 40%.

現在想像一下，第三年市場下跌了 40%。

You've lost everything you made in years 1 and 2, plus a chunk of your original investment.

你損失了前兩年賺的所有錢，還賠掉了一部分本金。

But here's where it gets really important.

To get back to $12,100 from $7,260, you don't need a 40% gain.

要從 7,260 美元回到 12,100 美元，你不需要漲 40%。

Because losses always hurt more than gains help.

因為損失的痛苦總是比賺錢的快樂來得大。

This is called the... asymmetry of losses.

And it is the most important mathematical concept in personal finance that almost nobody talks about.

這也是個人理財中最重要、卻幾乎沒人討論的數學概念。

This is why people who panic-sell during a crash often never fully recover.

這就是為什麼在市場崩盤時恐慌性賣出的人，往往再也無法完全回本。

They sell at the bottom, lock in the loss, and then miss the recovery.

他們在低點賣出，鎖定損失，然後錯過了之後的反彈。

According to a study by Fidelity, if you had invested $10,000 in an S&P 500 index fund from January 1980 to the end of 2022, you would have grown that to just over $1,082,000.

根據 Fidelity 的一項研究，如果你從 1980 年 1 月到 2022 年底，在 S&P 500 指數基金投資了 10,000 美元，你的資產會成長到超過 1,082,000 美元。

But if you missed just the 5 best trading days over those 42 years—5 days out of more than 10,000—you'd walk away with only $671,051.

但如果你在這 42 年間錯過了僅僅 5 個交易日——超過 10,000 個交易日中的 5 天——你最終只會剩下 671,051 美元。

And if you missed the best 50 days—$76,104—you took on all the same risk.

而如果你錯過了最好的 50 天——只剩下 76,104 美元——你承受的風險卻是一樣的。

But you made 14 times less money just by being out of the market at the wrong moment.

但僅僅因為在錯誤的時機離開市場，你的回報就少了 14 倍。

But if you interrupt it, especially at the wrong time, you don't just slow it down.

但如果你打斷它，尤其是在錯誤的時機，你不是隻會讓它變慢。

And if you want to always have money to never interrupt it, you can just open a YouTube channel with my help in my community in the link below, since YouTube is literally the golden opportunity of this decade.

如果你想一直有錢可以永遠不打斷它，你可以在我下面的連結加入我的社群，跟我一起開 YouTube 頻道，因為 YouTube 絕對是這個十年的黃金機會。

Part 2: How Often Do Crashes Actually Happen?

第二部分：崩盤到底多久會發生一次？

Before we talk about what to do, you need to understand just how normal market downturns are.

在我們討論該怎麼做之前，你需要了解市場下跌有多麼正常。

Because one of the biggest mistakes investors make is treating a crash like a rare, once-in-a-lifetime catastrophe.

因為投資人犯的最大錯誤之一，就是把崩盤當成是百年難得一見的大災難。

There are three levels of market decline you need to know about.

市場下跌有三個層級，你需要知道。

This is when the market drops at least 10% from a recent high.

這表示市場從近期高點下跌至少 10%。

On average, they've happened roughly every 1.2 years since 1980.

平均來說，自 1980 年以來，大約每 1.2 年就會發生一次。

So if you've been investing for 5 years and haven't lived through a correction yet, statistically, you're overdue.

所以如果你已經投資 5 年，卻還沒經歷過修正，統計上來說，你已經「該」經歷了。

Think of them like the market hitting the reset button after prices have run up too fast.

你可以把它們想像成市場在價格漲太快之後，按下重置按鈕。

This is when the market drops more than 20% from its peak.

這是指市場從高點下跌超過 20% 的時候。

Since 1932, bear markets have come around, on average, every 4 to 5 years.

自從 1932 年以來，低迷的市場平均大約每 4 到 5 年出現一次。

They typically last about 289 days—just under 10 months.

它們通常會持續大約 289 天，也就是不到 10 個月。

But bull markets—the periods where the market is going up—have historically lasted around 965 days on average.

不過牛市——也就是市場上漲的時期——歷史上平均會持續大約 965 天。

That's more than 3 times as long as the bear markets.

這比低迷的市場的時間長了 3 倍多。

The third type is a full market collapse—a drop of 30% or more—often happening very quickly.

第三種是全面的市場崩盤——下跌 30% 或更多——而且通常發生得非常快。

這種情況很少見，但確實會發生。

Think the dot-com crash from 2000 to 2002, where the NASDAQ lost nearly 80% of its value.

想想 2000 到 2002 年的網路保麗龍崩潰，那斯達克指數損失了將近 80% 的價值。

The point is this: if you are going to invest in stocks, you will experience all three of these at some point.

重點是：如果你要投資股票，你總有一天會經歷這三種情況。

The question isn't if a crash will happen.

The question is whether you'll be ready when it does.

問題在於當它發生時，你是否準備好了。

Part 3: Three Things You Need to Do With Your Compounding Right Now.

第三部分：關於複利，你現在需要做的三件事。

接下來就進入實際操作的部分了。

These are the three specific actions you should be taking today.

這是你今天應該採取的具體行動。

Not when the crash happens, because by then it will be too late.

不是等到崩盤發生時才做，因為那時候就太遲了。

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現在就用這個複利策略，在市場崩盤時致富！ (Use THIS Compounding Strategy NOW to Get Rich When the Market Crashes.)

panic

term

fragile

average