00:00
🎙️
all right so you have some extra cash
好的，你有一些額外的現金
00:01
🎙️
and you're thinking about investing but
而你正在思考投資，但
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if you're new to this it can feel like
如果你是新手的話，會覺得
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you're trying to read a foreign language
你正在試圖讀一種外語
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No worries I got you This is the
有問題，我會助你，這是
00:09
🎙️
ultimate beginner's guide to investing
投資的終極初學者指南
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🎙️
in this year I'll break it down into
在這一年裡，我將把它分成
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five easy sections Part one why invest
五個容易理解的部分：第一部分，為什麼要投資
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and not save Part two what you should
而不是；第二部分，初學者應該投資什麼
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invest in as a beginner Part three when
第三部分，何時和投資多少；第四部分，我將
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and how much to invest Part four I'll
步帶你完成一筆現場股票購買
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walk you through a live stock purchase
第五部分，初學者的投資策略 好的，讓我們
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step by step And part five investing
入正題，第一部分 投資
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strategies for beginners All right let's
不僅僅是為了華爾街的專業人士，而是
00:29
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get into this part one So investing
為了任何想要讓自己的錢生錢
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isn't just for Wall Street pros It's for
而不是只是置著並失去價值的人 我們假設
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anyone who wants their money to work
你有一千美元的額外現金
00:35
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instead of just sitting around and
那麼，計劃是什麼呢，你
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losing value Let's say that you have an
貶值 假設你有一個
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extra $1,000 So what's the plan you
額外1000美元，所以你的計劃是什麼？
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could spend it on something fun or stash
你可以用這筆錢做一些有趣的事情，或是把它藏在頭下，或是讓它在戶中置
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it under your pillow or just let it sit
但問題是通貨正在侵你的錢
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in your savings account But here's the
在你的戶中，但這裡有個
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problem Inflation is eating away at your
題：通貨正在侵你的錢
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money That $1,000 won't be worth the
那1,000美元在幾年後不會有相同的價值
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same in a few years Prices are
格最終會上，你的錢的購買力會減少
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ultimately going to go up and your
最終會上，你的錢的購買力會減少
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money's buying power is going to be less
想看：你有沒有注意到你以前5美元的焦糖冰沙現在差不多要8美元或9美元
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Think about it Have you ever noticed
那基本上就是通貨在發生作用
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that your caramel frappuccino that used
那基本上就是通貨在發生作用
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to be $5 is now almost around $8 or $9
那基本上就是通貨在發生作用
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so that's pretty much inflation in
那基本上就是通貨在發生作用
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action And the smartest move that you
而最明的做法是投資這筆錢，使它增長而不是縮水
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can do is to invest that cash so that it
長你的錢不是魔法，而是數學
01:10
🎙️
grows rather than it shrinking Now
而增長你的錢不是魔法，而是數學
01:12
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growing your money isn't magic it's math
而增長你的錢不是魔法，而是數學
01:15
🎙️
And there are two key ways this happens
而有兩種主要方式可以實現這一點
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First when you buy a stock you own a
首先，當你買股票時，你就有一家公司的一部分
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piece of a company Take Nvidia for
以Nvidia為例，如果Nvidia的設計非常成功
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example If Nvidia crushes it designs and
如果Nvidia的設計非常成功，則會有很好的表現
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sells more graphics cards launches a new
公司銷售更多的圖形卡，推出新產品並增加利時，其
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product and ras in more profits its
值也會上升。由於你有一部分Nvidia的股份，你的投資
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value is also going to rise Since you
也會上升。這是很簡單的道理。第二種方式是通過複利，阿爾伯特
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own a piece of Nvidia your investments
愛因斯坦稱之為世界第八大奇跡。這是指你的錢可以錢，而那筆錢又可以更多的錢
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are also going to go up too And that's
這有點像雪球從山上下，越越大。假設你每月投資1,000美元，年回報率為10%
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pretty simple right the second way is
，大約六年左右，你的投資將達到10萬美元。但是，接下來的事情就會變得非常驚人
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through compound interest which Albert
接下來的10萬美元需要不到四年，然後不到三年，然後不到兩年。到你有百萬資產的時候
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Einstein calls the eighth wonder of the
，你的投資將呈現出驚人的增長。
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world This is when your money makes
世界 這就是你的錢賺錢的時候
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money and that money makes even more
金錢，而金錢會帶來更多。
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money It's kind of like a snowball
金錢就像滾雪球一樣。
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rolling down a hill and it gets bigger
滾下山坡，越滾越大
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and bigger over time Let's say that you
隨著時間的推移，它會變得更大。假設你
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invest $1,000 a month with a 10% return
每月投資 1000 美元，年回報率為 10%。
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After around six years or so you're
大約六年後，你
01:55
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going to hit around $100,000 But here's
預計能達到10萬美元左右，但還有…
01:57
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where it gets crazy The next $100,000
接下來這10萬美元會變得非常瘋狂。
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takes less than four years then less
不到四年，然後更少
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than 3 years then less than 2 years And
少於3年，然後少於2年。
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by the time you have a million portfolio
等你擁有百萬投資組合的時候
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your portfolio is going to grow $100,000
你的投資組合每年將增長$100,000
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and more every year or so This is why
或更多 就是
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it's so important to get started with
為什麼要早並且經常開始投資的原因
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investing as early and often as possible
可能地早、可能地頻繁地投資
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Part two All right now you're on board
第二部分 好了，現在你已經開始投資了
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with this whole investing thing But the
但是下一個大問題是，你要投資什麼？
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next big question is what do you
多初學者犯的錯誤是追逐當下熱門的股票
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actually invest in many beginners make
際上，這是一個主意 只是因為一股票去年表現良好
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the mistake of chasing whatever stocks
不意味著它明年也會一樣 我向你證明
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are hot at the moment And really this is
得幾年前，還有像BlackBerry和Kodak這樣的股票
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a bad idea Just because a stock crushed
在峰時期，它們的股價分別約為$145和$90
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it last year doesn't mean that it's
但是當它們時，股價分別暴跌到$10和$1
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going to do the same next year Let me
明年也打算這麼做。讓我
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prove this to you Remember a couple
向你證明這一點。記住幾個
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years back there were stocks like
年前，曾有像這樣的股票。
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BlackBerry and Kodak well at their peak
黑莓和柯達都處於巔峰時期
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their shares were worth around $145 and
他們的股份價值約為145美元。
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$90 respectively and then when they
分別為90美元，然後當他們
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crashed their shares dropped all the way
他們的股價暴跌，一路下跌。
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down to $10 and $1 respectively If you
分別降至 10 美元和 1 美元。
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invested based on past success you would
根據過去的成功進行投資，你會
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have lost a lot of money So what's the
失很多錢，所以更好的方法是透過指數基金
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better move it's really through index
你投資指數基金時，你基本上是在投資一整股票，而不是只投資一股票
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funds When you're investing in index
樣的投資方式會減少壓力和風險，並增加長期增長的力
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funds you're basically investing in a
即使是沃倫·巴菲特，這個世界上最好的投資者之一，也說大多數人應該投資指數基金
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whole basket of stocks rather than just
如果這對他來說已經足好了，那對我來說也足好了
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one stock There's less stress and less
投資指數基金是增強財富而不必為每一股票操心的最簡單方法之一
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risk and more potential for long-term
即使是先投資（Vanguard）的創始人約翰·博格爾（Jack Bogle）也說
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growth And even Warren Buffett one of
「不要在堆積中尋找，只要買下整堆積就行了」
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the best investors in the world says
正是指數基金的精所在
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that most people should be investing in
投資指數基金可以讓你有整個市場的表現
03:16
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index funds and if it's good enough for
而不必為了選哪一股票而
03:18
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him it's going to be good enough for me
是一種非常簡單又有效的投資方式
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🎙️
Investing in an index fund is one of the
可以助你在長期內累積財富
03:22
🎙️
easiest ways to grow wealth without
所以，如果你是投資新手，或者不想花太多時間研究股票
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stressing over every stock pick Even
指數基金是一個非常好的選
03:26
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Jack Bogle the founder of Vanguard said
可以助你輕投資，同時又能享受到整個市場的成長
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"Don't look for the needle in the
就是指數基金的力所在
03:30
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haystack Just buy the entire haystack."
所以，不要，現在就開始投資指數基金吧
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And that's exactly what an index fund
你的財富在未來逐增長
03:34
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does It gives you exposure to the entire
讓你接整個市場，而不是試圖挑選家。
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market instead of just trying to pick
所以，指數基金到底是什麼？最簡單的方式是分別解指數和基金這兩個詞。
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the winners So what exactly does an
指數只是公司的清單。例如，S&P 500 只是一份美國前 500 家公司的清單。
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index fund mean well the simplest way to
包括果、微軟和特斯拉等公司。
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break it down is by looking at the two
基金只是從投資者（如你我）那裡收集的資金。
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words separately index and fund An index
些資金用於購買資產，在本例中是股票。
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is just a list of companies So for
所以當我說投資指數基金時，基本上我是說我們投資於這個指數中每家公司的一小部分。
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example the S&P 500 is simply a list of
好了，你可以分散投資，但投資指數基金的下一個大優勢是什麼？
03:52
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the top 500 companies in the United
好吧，你可以降低你的
03:54
🎙️
States And this includes Apple Microsoft
各州，包括蘋果和微軟。
03:56
🎙️
and Tesla A fund is just a collection of
而特斯拉A基金只是一系列
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money pulled from investors people like
從投資者那裡籌集的資金，例如
04:01
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you and me And that money is used to buy
你和我，而那筆錢是用來購買的。
04:04
🎙️
assets in this case stocks So when I say
在這種情況下，資產指的是股票。所以當我說
04:06
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invest in an index fund I'm basically
投資指數基金，我基本上
04:08
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saying that we're investing in a little
也就是說，我們正在投資一些
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🎙️
bit of each company in this entire index
該指數中包含了每家公司的一小部分。
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Okay so you get to diversify but what's
好的，這樣你就可以分散投資了，但是…
04:16
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the next big advantage of investing in
投資的下一個重大優勢是
04:18
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an index fund well you get to lower your
指數基金可以降低你的…
04:20
🎙️
risk Instead of putting all your money
風險，與其把所有的錢
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🎙️
into one stock and hoping it takes off
投入一股票並希望它能大
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you own a piece of hundreds of companies
你有一部分的數百家公司
04:27
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reducing the chances of losing
少了如果一股票盤而損失一切的風險
04:29
🎙️
everything if one stock crashes You can
你可以把它想像成把你的蛋或非常小的蛋
04:32
🎙️
think of it as putting your eggs or your
分散放在許多不同的子裡
04:33
🎙️
very small eggs in many different
如果一家公司陷入困境，它
04:35
🎙️
baskets If one company struggles it
乎不會影響你，因為你仍然
04:37
🎙️
barely affects you because you still
有數百家其他公司
04:39
🎙️
have hundreds of other companies
分風險，好吧，現在讓我給你展示
04:41
🎙️
carrying the weight Okay so let me show
一個真實世界的指數基金範例
04:42
🎙️
you a realworld example of what an index
樣你就可以看到你會投資什麼
04:45
🎙️
fund looks like so you can see what
所以，在這個範例中，我們來看看
04:46
🎙️
you'd be investing in So for this
其中一個我的
04:48
🎙️
example let's take a look at one of my
投資組合
