00:00
This is just insane.
這實在太瘋狂了。
00:02
This is just like madness.
這簡直就是胡鬧。
00:03
It's like Pokémon Go.
就像寶可夢 Go 一樣。
00:05
He has a lot of holdings.
他持有很多檔股票。
00:06
Oh my goodness.
喔，我的天啊。
00:08
This is just way too many holdings.
這檔股票的持股也太多了。
00:10
It's It just breaks my heart.
這真的讓我心碎。
00:11
Seriously, like this is lowkey pisses me off.
說真的，這真的讓我有點火大。
00:15
So, how many ETFs do you actually need?
所以，你到底需要多少檔 ETF？
00:17
Now, that's a great question.
問得好。
00:19
Yes, there are thousands, literally thousands of ETFs to choose from.
沒錯，市面上有數千檔，真的有數千檔 ETF 可以選擇。
00:22
You got S&P 500, you got broader market ETFs, you got growth ETFs, covered call ETFs, dividend ETFs,
你有 S&P 500，有廣泛市場 ETF，有成長型 ETF，有 Covered Call ETF，有高股息 ETF，
00:28
bond ETFs, REITs, sector ETFs, yada yada yada.
有債券 ETF，有 REITs，有類股 ETF，等等等等。
00:31
And you get the point.
你懂的。
00:33
It can be so confusing to know if you're on the right track for your ETF portfolio.
要知道你的 ETF 投資組合是否走在正確的道路上，可能會讓人非常困惑。
00:38
Now, in this video, I'm going to break it all down for you on exactly how many ETFs do
現在，在這支影片中，我將為你詳細解析，
00:41
you actually need with some good examples, some bad examples, and a full and complete guide.
你到底需要多少檔 ETF，並提供一些好的例子、一些不好的例子，以及一份完整全面的指南。
00:47
So, let's get started.
那麼，我們開始吧。
00:47
Okay, so at the basic level, less and simpler is always going to be better.
好，在基本層面上，檔數越少、越簡單，永遠都是更好的。
00:52
Less is always more.
少即是多。
00:55
That's just what I believe.
這就是我的信念。
00:55
You can be more concise, more consistent, more effective if you just have less ETFs in your portfolio.
如果你的投資組合中只持有較少的 ETF，你就能更簡潔、更一致、更有效地操作。
01:00
And yes, with less ETFs, it's going to be more easier to follow your portfolio and for when you show somebody your
沒錯，持有較少的 ETF，你會更容易追蹤你的投資組合，當你展示給別人看時，
01:06
portfolio that they can understand what your strategy is and what you're investing in and they're not going to
他們也能理解你的策略是什麼、你在投資什麼，而且他們不會
01:12
Now, in my opinion, I always recommend people to have at least a broader market or an S&P 500 ETF at the
以我的觀點來看，我總是建議人們至少持有一檔大盤或標普 500 ETF，
01:18
very least only because they have so much diversification.
只因為它們提供了極高的分散程度。
01:23
You got so many sectors and so many highquality stocks all in one ETF.
一檔 ETF 就囊括了這麼多產業和這麼多高品質的股票。
01:26
And that's why I believe that the core of your portfolio should at least be a broad market ETF so you
這就是為什麼我相信你投資組合的核心至少應該是一檔大盤 ETF，這樣你
01:31
can get some market matching returns, great diversification, you know, solid dividend low fees and so many more
才能獲得一些市場報酬率、絕佳的分散性、你知道的，穩健的股息、低費用等等
01:38
things and so you can also sleep way better at night.
好處，這樣你晚上也能睡得更安穩。
01:42
Some great examples of broad market ETFs, even S&P 500 ETFs, is going to be SPLG, VU, VTI, and VT.
一些很棒的大盤 ETF，甚至是標普 500 ETF 的例子，包括 SPLG、VU、VTI 和 VT。
01:50
And of course, there's going to be so many other great ones to choose from.
當然，還有許多其他很棒的選擇。
01:54
So, here's other choices as well.
所以，這裡也有其他選擇。
01:55
Now, in a portfolio, you might be wondering, how many ETFs do you even actually need to
現在，在一個投資組合中，你可能想知道，你到底需要持有
01:59
Now, my answer is going to be one up to six different ETFs for your portfolio.
我的答案是，你的投資組合中持有一到六檔不同的 ETF。
02:04
That's my magic number, and that's what I like and recommend to any new investor in the stock market.
這是我的魔法數字，也是我喜歡並推薦給任何股市新手的作法。
02:11
Now, you might be wondering, Marcos, why up to six different ETFs?
現在，你可能想知道，Marcos，為什麼是六檔不同的 ETF？
02:14
You are dumb.
你真笨。
02:15
That's so many ETFs.
ETF 的數量真的太多了。
02:16
That is a lot.
那真的很多。
02:17
You don't know what we're talking about.
你不知道我們在說什麼。
02:18
Now, my answer to that question is going to be that there are also so many different accounts people have access
現在，我對這個問題的回答是，人們可以使用的帳戶種類也非常多。
02:24
You got a Roth IRA, traditional IRA, 401k, 403b, taxable account, crypto accounts even.
你有 Roth IRA、傳統 IRA、401k、403b、應稅帳戶，甚至還有加密貨幣帳戶。
02:31
And for Canadians, you got your RRSSP and your taxfree savings account.
對於加拿大人來說，你有 RRSP 和免稅儲蓄帳戶。
02:34
There are so many different accounts you could have.
你可以擁有的帳戶種類非常多。
02:37
And you don't have to have the same ETFs for each portfolio or for each account.
而且你不必在每個投資組合或每個帳戶中都持有相同的 ETF。
02:42
You could totally have different ETFs for each account because you could have different
你完全可以為每個帳戶配置不同的 ETF，因為你可能有不同的
02:44
strategies, different goals, different preferences, and so on and so forth.
策略、不同的目標、不同的偏好等等。
02:50
For example, your Roth IRA could look something like this.
舉例來說，你的 Roth IRA 可能長這樣。
02:52
And then your 401k could look something like this.
然後你的 401k 可能長這樣。
02:54
And then your taxable account could look something like this.
接著你的應稅帳戶可能長這樣。
02:57
And so on and so forth.
以此類推。
02:58
There are so many different strategies and preferences for each account that you could have as an
作為一名投資者，你可以擁有的每個帳戶都有許多不同的策略和偏好，因為你擁有靈活性，
03:02
investor because you have the flexibility to invest with your own money and with your own strategies and
可以用自己的錢、按照自己的策略和
03:07
goals to get you to that retirement goal of having hopefully so much money.
目標進行投資，以實現你希望擁有大筆財富的退休目標。
03:13
Now, on the caveat though, if you own too many ETFs, like 7 8 double digits, like
不過，有一點需要注意，如果你持有的 ETF 太多，比如 7、8 個兩位數，像是
03:17
10 to 12 or more, that is way too many ETFs.
10 到 12 個或更多，那 ETF 的數量就太多了。
03:21
You are really going to over complicate your portfolio.
你會讓你的投資組合變得過於複雜。
03:25
It's not effective.
這樣沒有效率。
03:25
It's not simple.
這樣不夠簡單。
03:27
It's not concise.
這樣不夠精簡。
03:27
You're just probably buying ETFs for the sake of buying ETFs like it's Pokémon Go.
你可能只是為了買ETF而買ETF，就像在玩《Pokémon Go》一樣。
03:31
And it could be so annoying to like buy all your ETFs at once.
一次買進所有ETF可能非常麻煩。
03:34
It could be so annoying to check up on all your portfolios.
要同時追蹤所有投資組合的表現可能非常麻煩。
03:38
You're going to be literally checking up every single day, every single hour on your
你真的會每天、每小時都在檢查你的
03:41
portfolio.
投資組合。
03:42
Don't be that person.
別當那種人。
03:44
You're also going to probably be so stressed and so worried about your portfolio.
你也會因此感到壓力很大，對你的投資組合非常擔憂。
03:47
And when you show up to somebody your portfolio, they're probably going to
當你向別人展示你的投資組合時，他們可能會
03:49
clown you because you have all these different ETFs that looks like it looks like a catalog or like a magazine ad
嘲笑你，因為你持有這麼多不同的ETF，看起來就像型錄或雜誌廣告，
03:57
where you have so many different pop-ups.
上面有太多不同的彈出視窗。
03:59
So, don't be that person.
所以，別當那種人。
04:02
Why I like one of six different ETFs?
為什麼我喜歡持有六種不同的ETF？
04:05
Well, you can do so many things.
因為你可以做很多事。
04:06
For one, you can tilt your portfolio to include more of what you want to invest in and what
第一，你可以調整你的投資組合，納入更多你想投資的標的，以及
04:09
you prefer to invest in as a ETF investor.
你作為ETF投資人偏好投資的標的。
04:12
Number two, you can use ETFs to complement each other to give you more exposure to different sectors of
第二，你可以利用ETF互相補充，讓你更廣泛地接觸到不同的產業領域。
04:17
the stock market.
股票市場。
04:19
And number three, you can also include other ETFs for more diversification and just a different
第三點，您也可以納入其他 ETF 來實現更多元的分散投資，並採取不同的策略。
04:24
strategy if you want to include other ETFs for your main strategy to complement it.
如果您想將其他 ETF 納入主要策略作為補充，這樣做是可行的。
04:30
And here are some examples.
以下是一些範例。
04:31
So for our examples, we're going to go through four different ETF portfolios that I like and recommend.
在我們的範例中，將介紹四種我喜歡且推薦的 ETF 投資組合。
04:35
We're going to go through a one ETF portfolio, two ETF portfolio, three ETF portfolio, and then finally a 4 ETF
我們將探討單一 ETF 投資組合、兩種 ETF 投資組合、三種 ETF 投資組合，最後還有針對 ETF 投資者的四種 ETF 投資組合。
04:42
portfolio as well for you ETF investors.
投資組合。
04:45
Okay, so we have a one ETF portfolio, which is mainly for broad market exposure because if you're going to buy
好，我們先來看單一 ETF 投資組合，這主要是為了獲得廣泛的市場曝險，因為如果您打算永遠只買一檔 ETF，那應該是一檔廣泛市場 ETF，因為它涵蓋了這麼多產業和股票。
04:51
one ETF forever, it's going to be a broad market ETF because you have so many sectors, so many stocks.
您懂的。
04:58
You get the point.
現在，我們的第一個例子將是 V，也就是 Vanguard S&P 500 ETF。
04:58
Now, our first example is going to be V or the Vanguard S&P 500 ETF.
是的，這檔 ETF 非常適合作為單一 ETF 投資組合。
05:02
And yes, this can be a perfectly good ETF for one portfolio as a one ETF portfolio.
所以，您可以只持有像這檔一樣的單一 ETF。
05:08
So, you can only own one ETF like this one.
這是個很棒的選擇。
05:10
And it's a great option.
這檔 ETF 提供了非常多元的分散性。
05:11
You have so many different diversification in this one ETF.
這是個很棒的投資組合。
05:17
And it's a great portfolio.
我很喜歡。
05:18
I like it.
接著，我們有另一個我很喜歡的單一 ETF 投資組合。
05:19
So, moving on, we have yet another another one ETF portfolio that I like a lot.
透過 VT，您可以同時持有美國股票和國際股票。
05:25
With VT, you have both US stocks and international stocks as well.
我們有 VT 和 VTI。
05:26
We got VT and VTI.
我們有 VT 和 VTI。
05:29
This portfolio is going to be great for the most diversification if you want to own literally everything in
如果你想要真正擁有股票市場中的所有東西，這個投資組合將能提供最大程度的多元化。
05:34
the stock market.
102.
05:36
And then we have VTI as well.
我們這裡也有 VTI。
05:37
Why I like this one a lot?
為什麼我非常喜歡這檔？
05:40
You got large caps, midcaps, and small caps.
它涵蓋了大型股、中型股和小型股。
05:41
You literally are more diversified than if you only owned a S&P 500 ETF, which is why I like this one ETF portfolio.
你確實比只持有 S&P 500 ETF 更多元化，這就是為什麼我喜歡這個 ETF 投資組合。
05:48
And you could also own any one of these ETFs.
而且你也可以只持有這些 ETF 中的任何一檔。
05:50
And you can be completely fine in sleeping well at night.
這樣你晚上也能完全安心睡好覺。
05:56
Now, if you have like either VU VTI or VT or any other equivalent and someone tells you to
現在，如果你持有 VTI 或 VT 或任何其他同等的 ETF，而有人告訴你
06:00
like, hey, own a dividend fund or own a growth fund, you don't have to.
說，嘿，去買一檔高股息基金或成長型基金，你其實不必買。
06:06
You could honestly own just that.
你老實持有那一檔就夠了。
06:08
It'd be completely fine because you have so much diversification.
這完全沒問題，因為你的持已經非常多元化了。
06:11
Why would you also want to own those as well?
你為什麼還想同時持有那些呢？
06:13
Now, we're going to get to this later, but you can complement it with a growth ETF or a
現在，我們稍後會講到這個，但你可以用一檔成長型 ETF 或
06:17
dividend fund because you could also tilt your portfolio, like we talked about before, to more growth, more
高股息基金來補充，因為你也可以像我們之前談過的那樣，讓你的投資組合傾向於更多成長、更多
06:23
dividend, and so on.
股息等等。
06:25
and so forth.
諸如此類。
06:27
I don't want to make you seem so confused, but yes, you can own one ETF.
我不想讓你感到困惑，但沒錯，你可以只持有一檔 ETF。
06:31
It is perfectly fine and good.
這樣做完全沒問題，而且很好。
06:33
Now, moving on, we have a two ETF portfolio.
現在，接著往下，我們來看一個兩檔 ETF 的投資組合。
06:35
Now, in my opinion, this strategy is great for investors who are more hands-on than a
在我看來，這項策略非常適合比單一 ETF 投資組合更積極管理的投資者，您將立即透過一些針對您投資目標的絕佳組合看到原因。
06:39
one ETF portfolio investor, and you'll see why right now with some great different combos for your goals as an
您將立即透過一些針對您投資目標的絕佳組合看到原因。
06:45
investor.
作為一名投資者。
06:46
There's literally so many ETF combos with a two ETF portfolio.
兩檔 ETF 的投資組合其實有非常多的組合方式。
06:50
And here are some of the best ones I like a lot that have a low fund overlap and are
以下是我非常喜歡的一些最佳組合，它們的基金重疊度低，
06:53
great for long-term investors.
且非常適合長期投資者。
06:57
Moving on, we have a three ETF portfolio as well.
接下來，我們還有一個三檔 ETF 的投資組合。
06:58
This one is a very popular choice where we have a broad market ETF or a foundational ETF, a dividend ETF, and a
這是一個非常受歡迎的選擇，其中包含一檔廣泛市場 ETF 或基礎 ETF、一檔股息 ETF，
07:04
growth ETF as well.
以及一檔成長型 ETF。
07:07
Next up, we have a 4 ETF portfolio as well.
接下來，我們還有一個四檔 ETF 的投資組合。
07:10
This one is amazing for X-ray diversification.
這個組合對於實現全方位的多元化投資非常出色。
07:12
Basically, it's a three ETF portfolio like we talked about before, but you have more holdings with a low fund
基本上，它就像我們之前談到的三檔 ETF 投資組合，但您能持有更多資產，且基金重疊度低，
07:18
overlap as well like international, small caps, bonds, gold, and so much more.
例如國際股票、小型股、債券、黃金等等。
07:23
Basically, a low overlap asset in addition with your three ETF portfolio as well.
基本上，就是在您的三檔 ETF 投資組合之外，再加入一項低重疊度的資產。
07:28
Next up, we have this scary concept of fund overlap.
接下來，我們要探討這個令人「害怕」的概念：基金重疊。
07:32
Everybody's favorite two words in the ETF community.
這是 ETF 社群裡大家最喜歡的兩個字。
07:34
Now, this is super crucial when deciding between one ETF and another, especially when combining them in your portfolio
這在決定選擇哪一檔 ETF，尤其是在為了避免基金重疊而將它們組合到您的投資組合中時，
07:39
for fund overlap reasons, and we'll get to that right now.
是極其關鍵的，我們現在就來談談。
07:44
Fund overlap is basically when you own multiple ETFs or funds that hold similar or overlapping
基金重疊基本上是指您持有多檔 ETF 或基金，而它們持有相似或重疊的
07:48
stocks and assets.
股票和資產。
07:50
Fund overlap can definitely reduce diversification as investors may unintentionally be exposed
投資組合重疊絕對會降低分散效果，因為投資人可能在不知情的情況下，透過不同的 ETF 或基金暴露於相同的風險。
07:54
to the same risks across different ETFs or funds.
142.
07:57
Why fund overlap matters?
為什麼基金重疊很重要？
07:59
Well, for one, it reduces diversification because you're spreading your money across two of the same
首先，它會降低分散效果，因為你把資金分散投資在兩個相同的資產上，
08:04
assets, or in this case, ETFs.
或者在這個例子中，是相同的 ETF。
08:07
Number two, fund overlap can increase your risk.
第二，基金重疊會增加你的風險。
08:09
If the shared ETFs perform poorly, all the funds holding them will be negatively impacted.
如果共同持有的 ETF 表現不佳，所有持有它們的基金都會受到負面影響。
08:15
This can definitely amplify your losses during a market downturn or a bare market, especially if
這在市場下跌或熊市期間絕對會放大你的損失，特別是如果你只持有
08:19
you own only cover call ETFs or only Bitcoin ETFs or only growth ETFs and so on and so forth.
賣權 ETF、比特幣 ETF 或成長型 ETF 等等。
08:26
Now, some investors might say that fund overlap doesn't increase your risk.
現在，有些投資人可能會說基金重疊不會增加你的風險。
08:30
I will disagree with you right there.
我在這一點上會不同意你的看法。
08:32
Now, if you own a portfolio like this with only growth ETFs like SHG, VUG, VGT, and some other
如果你只持有像 SHG、VUG、VGT 這類成長型 ETF 的投資組合，
08:38
equivalent and the market folds a lot in a bare market or a recession, you're going to get rocked.
當市場在熊市或經濟衰退中大幅下跌時，你會遭受重創。
08:44
Now, on the flip side, if you own something like a dividend fund or a bond or a
另一方面，如果你持有像股息基金、債券、
08:48
international fund or a gold ETF, maybe you are less exposed to those draw downs.
國際基金或黃金 ETF 這類商品，也許你受到這些回檔的影響較小。
08:53
you could have better returns in a bare market than if you only owned the high fund overlap correlation ETFs like
在熊市中，你的報酬可能比只持有高基金重疊相關性的 ETF（例如
08:59
a growth ETF for example.
成長型 ETF）更好。
09:02
Number three is portfolio inefficiency.
第三是投資組合效率不彰。
09:05
Overlapping ETFs can definitely lead to redundant holdings making the portfolio less
重疊的 ETF 絕對會導致持股冗餘，讓投資組合在達成
09:08
efficient in achieving the desired riskreward ratio.
期望的風險報酬比上變得更沒有效率。
09:12
Now do you ever like look at somebody's portfolio and you see it and it makes you jump and freak out
你是否曾經看過某人的投資組合，然後看到它讓你嚇一跳、感到恐慌？
09:17
and you have a headache and your eyes hurt?
讓你頭痛、眼睛不舒服？
09:20
That's when people have way too many ETFs that are the same thing or they are just redundant.
這是因為人們持有太多內容相似的 ETF，或者根本就是重複的。
09:27
So don't be that person as well.
所以，別成為那樣的人。
09:29
Now fund overlap isn't the enemy in a portfolio.
基金重疊本身並不是投資組合中的敵人。
09:33
If it's well controlled, if you know what you're holding and you are okay with the risk
如果它受到良好控制，如果你知道自己持有什麼，並且能夠承擔其風險，
09:36
and you can describe your portfolio to somebody and it is just overall a part of your strategy, you can definitely
且你能向他人描述你的投資組合，而它整體上是你策略的一部分，那麼你絕對可以
09:42
have many different ETFs that have different goals.
持有許多目標不同的 ETF。
09:45
And if you just know what you're buying and you know your ultimate goal, then I think it's okay.
只要你清楚自己買的是什麼，也知道最終目標，我認為這樣是沒問題的。
09:49
Now, if you're just buying things for the sake of buying them, then that's when fund overlap is just horrible and
但是，如果你只是為了買而買，那麼基金重疊就會變得非常糟糕，
09:55
you should just probably take a deep breath, relax, and just recoup and analyze your portfolio again and see if
這時你應該深呼吸、放鬆，重新整理並分析你的投資組合，看看
10:01
they fit your goal and make it more simpler, have less holdings, make it more concise, and just overall more
它們是否符合你的目標，並讓它更簡單、持有檔數更少、更精簡，整體而言更
10:09
Okay, so here's my golden rule for fund overlap and when it's okay to own, you know, different ETFs in a
好，這裡有我對於基金重疊的黃金法則，以及在什麼情況下可以持有不同 ETF 的建議，我現在就告訴你
10:14
percentage allocation that I will have for you right now.
我建議的百分比配置。
10:18
So, anything above a 60% fund overlap, you should definitely take a closer look and maybe reconsider
所以，任何超過 60% 基金重疊的情況，你絕對應該更仔細審視，並重新考慮
10:23
your options and not own both those ETFs if you are having over a 60% fund overlap.
你的選擇，如果你的基金重疊超過 60%，就不該同時持有這兩檔 ETF。
10:30
So, just keep that in mind.
請把這點記在心裡。
10:31
Preferably, you want to own ETFs together that range between a 0% up to a 30% allocation.
最好是持有重疊範圍在 0% 到 30% 之間的 ETF。
10:38
All in my opinion.
依我之見。
10:40
Now, you can also own ETFs from a 30% up to a 60% allocation range.
現在，你也可以持有 ETF，配置比例從 30% 到 60%。
10:44
That is what I call the moderate alert zone where you really want to know and fully understand
這就是我所說的「中度警戒區」，在這個區間，你真的需要知道並完全理解
10:47
why you own the ETFs together and if it's best to just own either one or if you should own both for your portfolio.
你為何同時持有這些 ETF，以及對你的投資組合而言，是只持有一檔比較好，還是應該同時持有兩檔。
10:54
So moving on, we have this amazing website called ETFRC.com where you can plug in any two ETFs to see how they
那麼繼續往下，我們有個很棒的網站叫做 ETFRC.com，你可以在上面輸入任意兩檔 ETF，以查看它們
11:01
overlap to each other accordingly.
彼此之間的重疊程度。
11:06
So if I plug in V and SPLG, which is a super big common mistake I see investors make,
所以如果我輸入 V 和 SPLG，這是我見過投資人犯下的一個超級常見的錯誤，
11:09
the fund overlap is way too much at 99%.
它們的基金重疊度高達 99%，實在太過了。
11:12
That is a lot of fun to overlap over my 60% range.
這重疊的程度遠超過我建議的 60% 範圍。
11:15
99% is definitely not where you want to be.
99% 絕對不是你想要的狀態。
11:19
I would definitely not own both of these at all.
我絕對不會同時持有這兩檔。
11:21
Basically, all your holdings are overlapping since they track the same exact index of the S&P
基本上，你所有的持倉都重疊了，因為它們追蹤的是完全相同的指數，也就是 S&P
11:26
So, only own just one.
所以，只持有其中一檔就好。
11:29
If we plug in something like V and VXUS, then the fund overlap is zero 0% which is amazing
如果我們輸入像 V 和 VXUS 這樣的組合，那麼基金重疊度就是零，也就是 0%，這真的很棒
11:36
We are basically adding more diversification to global companies into global exposure and there is no fun
我們基本上是增加了對全球公司的配置，擴大了全球曝險，而且沒有重疊的問題。
11:41
overlap.
沒有任何重疊。
11:42
So I like this one and this combo a lot.
所以我非常喜歡這兩檔以及這個組合。
11:45
Let's do CHD and DJRO.
我們來看看 CHD 和 DJRO。
11:46
Another combo that I love a lot.
這是我非常喜歡的另一個組合。
11:50
Even though they are both a dividend ETFs, they also have different screening for
儘管它們都是股息ETF，但它們對於股票的篩選標準以及策略也不同。
11:52
stocks and different strategies.
所以基金重疊率只有18%，這完全在我建議的0到30%的範圍內。
11:55
So the fund overlap is just 18% which is well within my 0 to 30% range for my
我們來看看SEG和VUG。
11:58
recommended limit.
它們的基金重疊率高達81%。
12:01
Let's do SEG and VUG.
當然，這在我的紅色警戒區內，我不喜歡這個組合，因為你的持倉重疊太多了。
12:02
The fund overlap is super high at 81%.
現在，我要來做點有趣的事，檢視Blossom上的投資組合，看看大家到底應該持有多少ETF，這非常關鍵。
12:05
Of course, that's is in my red zone and I don't like this combo because you are overlapping your holdings a heck of a
如果你想在Blossom上看見我的投資組合和我的買入紀錄，這完全是免費的。
12:12
lot.
這是一個免費的投資App。
12:12
Now, I'm going to have some fun and review portfolios on Blossom for how many ETFs people should actually own,
請查看這支影片的描述欄位以及置頂留言區的連結，下載Blossom。
12:18
which is pretty crucial.
我會在Blossom上與你們相見，現在就上Blossom吧。
12:21
Now, if you want to see my portfolio and my buys on Blossom, it is completely free.
好，我們找到了第一個受檢視者。
12:25
It's a free investing app.
她在Blossom上關注我。
12:26
Check it out in the link in description of this video and in the pin comment section to download
我們有India（這檔標的）。
12:30
I will see you there on Blossom and on Blossom right now.
我會在 Blossom 上與你相見，現在就在 Blossom 上。
12:34
So, we have our first victim.
我們的第一位受害者出現了。
12:38
She follows me on Blossom.
她在 Blossom 上追蹤我。
12:38
We have India.
我們有印度。
12:39
So, that's awesome.
真是太棒了。
12:41
And we have her profile right here.
我們現在看到的是她的投資組合。
12:43
And I'm going to just click view more.
我來點擊「查看更多」。
12:45
And then we're going to see what happens.
接著我們來看看發生了什麼事。
12:49
So, she has a lot of holdings.
她的持倉非常多。
12:52
Oh my gosh.
噢，我的天。
12:54
She has a lot of holdings.
她的持倉真的很多。
12:55
Oh my goodness.
真是太驚人了。
12:57
She has a lot of holdings.
她的持倉多到不行。
12:58
There's Okay, I'm scrolling and there's way too many holdings.
好，我正在滾動頁面，持倉實在太多了。
13:04
Like I don't even know what her strategy is.
我甚至不知道她的策略是什麼。
13:07
I I don't even know what her goals are.
我甚至不知道她的目標是什麼。
13:10
She's Oh god, she's got V, SHD.
她有 V 和 SHD。
13:13
Her main core holding is V QQM, VDY, SPLG.
她的核心持倉是 V、QQM、VDY 和 SPLG。
13:17
Why does she have S?
她為什麼持有 S？
13:18
She has So she has SPLG and V.
她有 SPLG 和 V。
13:22
So I would just only have one.
如果是我，我只會保留其中一個。
13:24
Long story short, I I don't even know the strategy.
長話短說，我根本看不懂她的策略。
13:25
I don't even know her goals.
我也不知道她的投資目標。
13:28
I would say that this is a bad portfolio and let's see her.
我會說這是一個糟糕的投資組合，讓我們看看她的。
13:31
Okay, her gains aren't even the best either, but yeah, definitely consolidate and consolidate for sure.
好吧，她的報酬率甚至也不是最好的，但沒錯，絕對要整合，一定要整合。
13:41
Okay, so next up we have Marine Finn.
好吧，接下來我們有 Marine Finn。
13:43
She also follows me on Blossom, which is also awesome.
她在 Blossom 上也關注了我，這也很棒。
13:45
That also rhymes as well.
這句話還押韻呢。
13:48
Trying to get rich just like the rest of you.
和你們大家一樣都想變有錢。
13:51
Okay, let's see your portfolio.
好吧，讓我們看看你的投資組合。
13:53
There's no way.
這不可能。
13:56
There's no way.
這不可能。
13:56
There's no way.
這不可能。
14:02
Oh my god.
噢我的天啊。
14:03
A lot of mutual funds that are like large cap and total stock market.
很多像是大型股和全市場股票的共同基金。
14:11
Spy, BTI, just and V just have only have one.
Spy、BTI、just 和 V just 各只持有一檔。
14:12
QQQ, you can have a lower cost fund by just owning triple QM.
QQQ，你可以買成本更低的基金，只要持有三倍 QM 就好。
14:17
This is just like madness.
這簡直是瘋了。
14:17
This is just insane.
這太離譜了。
14:20
It's like Pokémon Go.
就像玩寶可夢一樣。
14:21
This is just way too many holdings.
這檔股票的持股實在太多了。
14:23
It's It just breaks my heart.
這真的讓我心碎。
14:26
Like this is lowkey pisses me off.
這真的讓我有點不爽。
14:29
I would say 299 holdings.
我會說 299 檔持股。
14:33
That's way too much.
那太多了。
14:36
Have less holdings and focus on just a few holdings.
應該減少持股檔數，專注於少數幾檔就好。
14:38
You don't even need to be nitpicking like that.
你甚至不需要這樣吹毛求疵。
14:41
And really and probably don't even invest until you really know your strategy and your
而且說真的，在你真正了解自己的策略和
14:44
goals.
目標之前，可能甚至不要投資。
14:44
Just take a step back, take a deep breath, and just I don't even know what to say.
先退一步，深呼吸，我真的不知道該說什麼。
14:52
Next up, we have Clarence.
接下來是 Clarence。
14:53
I think that's how you say her name.
我想她的名字是這樣念。
14:55
follows me in Blossom as well.
在 Blossom 上也追蹤我。
14:56
Four ETFs, mainly VU, I like that.
四檔 ETF，主要是 VU，我喜歡這樣。
14:58
I like that.
我喜歡這樣。
15:00
Triple QM at 14.7.
Triple QM 佔 14.7%。
15:01
I like that a lot.
我非常喜歡這樣。
15:03
That's I like that a lot too.
這我也非常喜歡。
15:05
Less, you know, kind of a lower holding.
持股比例較低。
15:06
So, you have mainly your core VO.
所以，你的核心主要是 VO。
15:09
I like that a lot.
我非常喜歡這樣。
15:12
And then 5.9% to DJRO and then about 5% to SHD.
然後 5.9% 投入 DJRO，大約 5% 投入 SHD。
15:13
I like it a lot.
我非常喜歡。
15:16
I like it a lot.
我非常喜歡。
15:18
I would say this is a good portfolio.
我會說這是一個很好的投資組合。
15:20
And then we have Brandon Beas, Beas Wealth on YouTube.
接著是 Brandon Beas，他在 YouTube 上的頻道是 Beas Wealth。
15:24
He also follows me as well, but I'm not going to scroll to find my profile.
他也追蹤我，但我不會滑去找我的個人檔案。
15:29
So, Brandon mostly in VU, awesome.
所以，Brandon 主要投資 VU，很棒。
15:34
Zed Q or ZQT uh all equity ETF.
Zed Q 或 ZQT，呃，全股票 ETF。
15:37
You basically own international and US stocks as well to my knowledge and some small caps.
據我所知，你基本上也持有國際和美國股票，還有一些小型股。
15:44
I like it a lot.
我非常喜歡。
15:44
Um I like the 30%.
嗯，我喜歡這 30%。
15:47
China ETF 3% great for global exposure.
中國 ETF 3%，對於全球配置來說很棒。
15:49
And then Lohe Martin at 2.4%.
然後是 Lohe Martin，佔 2.4%。
15:52
That's under my 5% individual stock rule.
這低於我單一個股 5% 的規則。
15:54
Brandon Mwah.
Brandon 萬歲。
15:55
It's great.
太棒了。
15:58
I like it a lot.
我非常喜歡。
15:58
So, if there's anything that you learned from this video, simple is always better.
所以，如果你從這支影片學到一件事，那就是簡單永遠比較好。
16:03
Less is always more.
少即是多。
16:03
Don't own double-digit ETFs.
不要持有超過十檔的 ETF。
16:05
Know your own strategy and goals and like look in the mirror.
了解自己的策略與目標，並好好審視自己。
16:12
And just don't buy so many ETFs.
不要買太多 ETF。
16:13
Keep it simple.
保持簡單。
16:13
Keep it concise.
保持精簡。
16:15
I want to look at your portfolio or somebody should look at your portfolio and really know what your
我希望能檢視你的投資組合，或者應該要有人能檢視你的投資組合，並真正了解你的
16:19
strategy is or where your goal is, right?
策略或目標在哪裡，對吧？
16:22
So hopefully you guys found some value in this video because I love you guys a lot and hopefully you guys like
所以希望你們能從這支影片中獲得一些價值，因為我非常愛你們，也希望你們會喜歡
16:27
this video because this cute puppy did as well.
這支影片，因為這隻可愛的小狗也喜歡。
16:29
Now if you're a beginner, check out this video to see my whole entire portfolio breakdown as well as other
如果你是新手，請查看這支影片，了解我的完整投資組合剖析，以及其他
16:34
ETFs I like for beginners if you are new to the stock market.
如果你是股市新手，我所推薦的 ETF。
16:38
Now I love you guys so much.
我真的很愛你們。
16:39
Continue to crush the stock market and take it easy.
繼續征服股市，放輕鬆。
