00:00
🎙️
you might have heard that you should be investing in index funds or ETFs and you might not have any idea how to get
你可能聽過應該投資指數基金或 ETF，但可能完全不知道該如何開始
00:06
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started but you know it's something that you should be doing so in this video I'll be breaking down exactly how you
但你知道這是應該要做的事，所以這支影片我會詳細說明如何
00:12
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can start investing in ETFs as an absolute beginner and some key reasons why you should be investing in index
讓投資新手開始投資 ETF，以及為何你應該投資指數
00:19
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funds or exchange traded funds hello my name is Rachel and welcome back to the channel in this video I really want to
基金或 ETF，大家好我是 Rachel，歡迎回到頻道。在這支影片中，我真的很想
00:25
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show you just how simple investing can be because I know often in investing can sound very very scary because it is seen
讓你看看投資可以多簡單，因為我知道通常投資聽起來會非常可怕，因為它被認為
00:33
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as very risky however the type of investing that I want to talk you through today is very simple and very
非常有風險。然而，今天我想和你探討的投資類型非常簡單且
00:39
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easy to get started with so one of the key reasons that you should start investing any spare money that you have
很容易上手，所以你應該開始用閒錢投資的關鍵原因之一
00:44
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today is just simply to keep up with inflation so just a basic example of how inflation Works years ago when I was a
就是為了跟上通貨膨脹。舉個通膨如何運作的基本例子，多年前當我還是
00:52
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child if my mom gave me 10p I could go to the local news agents and go and get myself a Fredo and I loved those fedos
個孩子的時候，如果我媽媽給我 10 便士，我可以去當地報攤買一個 Fredo 巧克力，我很喜歡那些 Fredo
00:59
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if if I had saved that 10p put it underneath my mattress today in 2024 I would not be able to afford a Fredo
如果我把那 10 便士省下來，藏在床墊下，到了 2024 年的今天，我會買不起一個 Fredo
01:07
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because they are now 25p so inflation simply measures how much more expensive a set of goods have become over time so
因為現在要 25 便士了。所以通膨只是衡量一段時間內一組商品變得更貴的程度，所以
01:14
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my 10p wouldn't have the same buying power as it did say for example 20 years ago in the same way if you take £100 and
我的 10 便士購買力已不如 20 年前。同樣地，如果你拿 100 英鎊
01:23
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put it underneath your mattress and save it for 20 years you would still have £1 20 years later but it wouldn't have have
藏在床墊下存 20 年，20 年後你還是有 100 英鎊，但它的購買力
01:30
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the same buying power however if you had chosen to invest that 100 20 years ago and simply leave it and forget about it
已不如前。然而，如果你選擇在 20 年前投資那 100 英鎊，然後放著不管
01:38
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at an increase of 9% a year which is a very realistic rate to see in the stock market your £1 would now be worth over
以每年 9% 的增幅（這是股市中非常實際的報酬率），你的 100 英鎊現在價值會超過
01:46
🎙️
£600 20 years later because you had simply chosen to invest it also it is likely that if you're paying into a
£600 20 年後，因為你只是選擇投資而已。此外，如果你正在支付職場退休金，那麼該退休金裡的錢也會為你投資，所以你可能已經在投資了，甚至
01:54
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workplace pension then the money in that pension will be invested for you so you might already be investing without even
不自覺。所以投資肯定不需要讓人害怕，而且你完全不需要是專家，或
02:01
🎙️
knowing about it so investing certainly doesn't need to be scary and you also do not have to be an expert at all or
不自覺。所以投資肯定不需要讓人害怕，而且你完全不需要是專家，或
02:09
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understand the stock market in a lot of detail to start investing this is often a barrier that I hear time and time
詳細了解股票市場就能開始投資。這是我經常聽到的障礙，一次又一
02:14
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again I think when people imagine themselves investing in the stock market they imagine themselves on the phone
次。我認為當人們想像自己投資股票市場時，他們想像自己在電話上
02:19
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saying buy and sell with thousands or hundreds of thousands of pounds but this is simply not the case you can now
說動輒買賣數千或數十萬英鎊，但事實並非如此，現在你
02:25
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simply invest a very small amount of money and if you investing into an exchang traded fund which is simply a
只需投入一筆非常小的金額，如果你投資的是交易所買賣基金（ETF），它本質上就是
02:31
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basket of different stocks rather than having to go out and buy different individual stocks then that is a very
一籃子不同的股票，而不需要出去買不同的個股，那麼這就是一個非常
02:37
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very simple and coste effective way of investing so we'll go into more detail on exchange traded funds later in the
非常簡單且具成本效益的投資方式。我們稍後會在影片中更詳細地探討交易所買賣基金，
02:44
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video and go through some specific examples of exchange traded funds or ETFs that you could choose to invest in
並介紹一些你可以選擇投資的具體交易所買賣基金或 ETF 範例。
02:50
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so the first thing that you want to do if you're starting to invest in the stock market is make sure that you have
所以，如果你剛開始投資股市，第一件要做的事就是確保你
02:55
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opened up a tax efficient account so for example here in the UK you can can open up stocks and shares Isa or the
已經開立了一個免稅帳戶。例如在英國，你可以開立股票與股份 ISA（Stocks and Shares ISA），或者在
03:02
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equivalent in the US is a Roth IRA so these are simply accounts where any profit that you make or any money that
美國的 equivalent 是 Roth IRA。這些帳戶的本質是，你所賺取的任何利潤，或是
03:08
🎙️
you make from capital gains or dividends is not taxed now there are many different options for stocks and shares
從資本利得或股息賺到的錢都不會被課稅。現在英國有許多不同的股票與股份 ISA
03:14
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Isis here in the UK there are options for example from Trading 212 or invest engine where you are paying no fees or
選擇，例如 Trading 212 或 Invest Engine 這些選項，你不需要支付任何手續費；或者
03:21
🎙️
you can go with a company for example like barkle Harr landown AJ Bell where there are some fees I've done a separate
你也可以選擇像 Barclays、Hargreaves Lansdown、AJ Bell 這樣的公司，這些公司會收取一些費用。我之前有拍過一支
03:28
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video on stocks and shares Isis which I will link here which you might want to watch at the end of this video where I
關於股票與股份 ISA 的獨立影片，我會在這裡附上連結，你可以在看完這支影片後去觀看。我在那支影片中
03:34
🎙️
go into much more detail about the customer experience and also the different fees that are applied to your
更詳細地介紹了客戶體驗，以及適用於你
03:39
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account so if you want to take a look at that then you can check that out afterwards so hopefully now you're
帳戶的不同費用。如果你有興趣，可以在之後去查看。
03:44
🎙️
feeling excited about investing you've opened up a tax-free stocks and shares Isa if you're in the UK or a Roth IRA if
所以，希望現在你對投資感到興奮了，如果你在英國，你已經開立了免稅的股票與股份 ISA，或者如果你在
03:51
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you're in the US and now you are trying to decide what to make your first investment in now I would say for
美國，你已經開立了 Roth IRA，現在你正試著決定第一次要投資什麼。我會說對於
03:57
🎙️
absolute beginners one of the best investment that you can make is in an exchange traded fund so the majority of
完全的新手來說，你能做的最佳投資之一就是投資交易所買賣基金。所以我投資組合中的
04:04
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my Investment Portfolio is in exchange traded funds around 70% of my portfolio at the moment this is simply because
大部分資產都是交易所買賣基金，目前大約佔我投資組合的 70%。這很簡單，因為
04:11
🎙️
these are passive Investments That track a specific market so there's no space there for human decision You're simply
這些是被動型投資，追蹤特定的市場，所以沒有人為決策的空間。你只是
04:18
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tracking a specific market and they are also very very low on fees and fees are really important when you're thinking
在追蹤一個特定的市場，而且它們的手續費也非常非常低，當你在思考...
04:26
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about investing it's very important to look at what the fees are and to make sure that they're nice and low so that
關於投資，非常重要的一點是查看費用，並確保費用低廉，這樣
04:31
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that money is really not eating into your investment value so I choose to invest in ETFs because they are very
這筆錢才不會侵蝕您的投資價值。因此我選擇投資 ETF，因為它們非常
04:38
🎙️
simple they provide a diverse portfolio and also they have very low fees now if you're thinking of having the most
簡單，提供多元化的投資組合，而且費用非常低。如果您想擁有最
04:46
🎙️
diverse portfolio of all the best option for you might be investing in footy or World ETF so that is investing in
多元化的投資組合，對您來說最佳的選擇可能是投資全球 ETF（Footy or World ETF），也就是投資
04:53
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companies that are spread across the whole world so an example of an ETF that you might look to do a bit more research
分布在全世界的公司。舉例來說，有一檔 ETF 您可以深入研究，
05:00
🎙️
on and please always do your own research because I am not your financial advisor so please do your own research
請務必自行研究，因為我不是您的財務顧問，所以請務必自行研究，
05:07
🎙️
and make sure you're comfortable with any investment that you are making so if you're looking for a footsy allor ETF
並確保您對任何投資都感到安心。如果您正在尋找低費用的全球 ETF，
05:13
🎙️
with a low fee you could look at Vanguard footy all world this is a wellestablished ETF that simply tracks
您可以查看 Vanguard 全球 ETF（Vanguard footsy allor world），這是一檔歷史悠久的 ETF，單純追蹤
05:20
🎙️
the World Market so in the last year it has returned 16% so that just means that whatever you'd invested a year ago would
全球市場。去年的報酬率為 16%，這意味著一年前投資的金額，
05:28
🎙️
now be worth 16 % more today so when I say that this ETF is simply tracking the World Market you might think what
現在價值增加了 16%。當我說這檔 ETF 單純追蹤全球市場時，您可能會想，
05:36
🎙️
exactly is this ETF made up of and it's actually made up of 3,479 different stocks and you can
這檔 ETF 的具體成分是什麼？它實際上由 3,479 檔不同的股票組成，您
05:43
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actually see each and every one of the different stocks that is included in this ETF so when I say that when you're
可以實際看到這檔 ETF 包含的每一檔不同的股票。所以當我說，當您
05:49
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investing in a basket of different stocks with this ETF when you make one single investment you are getting
透過這檔 ETF 投資一籃子股票時，您只要做一次單筆投資，就能獲得
05:56
🎙️
3,479 different Holdings within that so you're not having to go out and buy a little slice of Tesla a little slice of
其中的 3,479 檔不同的持股。您不需要出去買一點特斯拉、一點
06:02
🎙️
apple You're simply investing in one investment and you are getting all of those different stocks within it so you
蘋果。您只需投資一檔商品，就能獲得其中所有的不同股票。因此您
06:08
🎙️
can't see all of the different companies that are in this ETF and they're waiting so for example Microsoft is your top
無法看到這檔 ETF 中所有的公司及其權重。例如，微軟是這檔 ETF 的最大
06:15
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holding in this ETF and 4.2% of this ETF is made up of Microsoft then you've got apple and then Nvidia which is a
持股，佔這檔 ETF 的 4.2%，接著是蘋果，然後是輝達（Nvidia），這是
06:23
🎙️
Semiconductor Company if you haven't heard of them and then in terms of regions as I said this is a diverse all
一家半導體公司，如果您沒聽過他們的話。就地區而言，正如我所說，這是一個多元化的全球
06:29
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World portfolio so North America makes up 58% of this ETF Europe excluding UK
投資組合，北美佔這檔 ETF 的 58%，歐洲（不含英國）
06:36
🎙️
makes up 11% Japan 6.1% Asia excluding Japan 5.2% and Emerging Markets 5% with the UK just making up
佔 11%，日本 6.1%，亞洲（不含日本）5.2%，新興市場 5%，而英國則佔
06:45
🎙️
3.7% of this ETF now you can start investing with very very small amounts you could even start investing with just
這個ETF的3.7%，現在你就可以開始投資，金額可以非常非常小，你甚至可以只用一英鎊，就能投資一些不同的股票和股份ISA供應商。
06:51
🎙️
a pound with some of the different stocks and shares Isa providers but say for example you have1 spare a month so
但舉例來說，如果你每個月有1英鎊的閒錢，那麼你可以從100英鎊開始，然後投資1英鎊到例如富時100或全球ETF。
06:59
🎙️
you start off with £100 and you invest £1 into say for example a footsy or World ETF and say you do that for 24
假設你這樣持續投資24年，期間不領出任何一筆錢，那麼24年後，你的帳戶裡將會有一筆高達12,000英鎊的巨款。
07:08
🎙️
years and don't take any of that money out you'd actually have a whopping £12,000 in that account 24 years later
而這是基於大約9%的年化報酬率。現在我們可以看到，富時100或全球指數在過去10年的表現其實比這更好。
07:17
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and that is with rate of around 9% now we can see that actually the foot seat or world has performed better than that
正如我所說，它在過去10年實際上達到了11.65%的年化報酬率。
07:23
🎙️
in the last 10 years as I said it has it has actually achieved an 11.65 % annualized return over the last 10 years
然而，我採用9%是因為這是一個更保守的數字，我也想考量到你可能需要支付的任何手續費或持續性費用。
07:32
🎙️
however I went with 9% because it's a more conservative figure I also wanted to take into consideration any fees or
所以在那筆錢中，超過73,000英鎊是來自利息，這並不是你存入的本金，而是來自你所做的投資。
07:39
🎙️
ongoing charges that you might be paying so of that money over £73,000 of it has come from interest so that's not money
這些投資只是靜靜地放在一個簡單的ETF中，不需要買進賣出。你甚至可以將其自動化，每個月定期投資。
07:47
🎙️
that you have deposited that is simply coming from the Investments that you have made and left to sit there in a
並設定自動執行，這樣你甚至什麼都不用做，24年後，你就賺了73,000英鎊的利息，這簡直是驚人。
07:54
🎙️
simple ETF without having to buy and sell you can even automate this you could invest regularly on a monthly
當然，市面上有許多不同版本的ETF可供投資，正如我所說，你可以投資Vanguard的富時全球指數，或者Investco也有非常不錯的選擇。
08:00
🎙️
basis and automate it so you're not even doing anything and 24 years later you've made 73,000 in interest which is simply
我會在這裡放一個獨立的影片，比較這兩種不同的全球ETF。你也可以選擇稍微冒險一點，投資那些有非常強勁報酬的ETF。
08:09
🎙️
phenomenal now of course there are lots of different versions of ETFs that you might want to invest in you could as I
如果你想查看這支關於在過去5年擊敗標普500的ETF的影片，請務必去看看，但也請務必做足自己的研究。
08:14
🎙️
said invest in the Vanguard foot seat all world or there is an invest go option that is very good as well I'll
確保你對所做的任何投資都感到非常有信心且自在。我個人選擇每個月定期投資，然後任何來自特定獎金之類的錢。
08:20
🎙️
put a separate video up here where I compare these two different or World ETF you could also choose to go a little bit
我會一次性投入，因為在市場中的時間往往比試圖擇時進出市場要好。
08:26
🎙️
Rogue and invest in etss that have had some very very strong returns um if you want to check out this video on ETFs
所以如果你定期投資，例如每週或每個月，當股價上漲時...
08:35
🎙️
that actually have beaten the S&P 500 in The Last 5 Years then please do check it out but please please do your own
那些在過去 5 年擊敗了 S&P 500 的 ETF，那麼請務必去看看，但也請務必做你自己的
08:43
🎙️
research and make sure that you feel really confident and comfortable in any Investments that you are making so I
研究，並確保你對所做的任何投資都感到非常有信心和自在。所以我
08:49
🎙️
personally choose to invest on a monthly basis and then any money that I might have from specific bonuses or anything
個人選擇每月投資，然後任何我可能從特定獎金或任何
08:55
🎙️
like that I will invest in a lump sum there and then because time in the market is often better than trying to
類似款項中獲得的錢，我會一次性投入市場，因為在市場中的時間通常比試圖
09:01
🎙️
time the market so if you are investing on a regular basis say for example every week or every month if stocks are rising
擇時進出市場要好。所以如果你定期投資，例如每週或每個月，當股價上漲時
09:08
🎙️
then you are buying them at a higher price and if they're falling you are buying them at a lower price and over
你就是以較高的價格買進，如果股價下跌你就是以較低的價格買進，長期
09:14
🎙️
time that will simply balance out so I just wanted to cover it very quickly you might have seen in a lot of videos that
下來這會自然平衡。所以我只是想快速說明一下，你可能在很多影片中看到過
09:20
🎙️
potentially you could invest in the S&P 500 the S&P 500 is the 500 biggest companies in the US and that is a br I
你可能會投資 S&P 500。S&P 500 是美國最大的 500 家公司，這是一種廣泛的
09:29
🎙️
investment and it has done exceptionally exceptionally well over the last 5 years and even in the last year alone it's
投資，而且它在過去 5 年表現得非常非常出色，甚至單單去年一年就
09:35
🎙️
brought in 23% which is obviously more than the foot seat all world has however if you are investing in the S&P 500 you
帶來了 23% 的報酬，這顯然比全球指數（FTSE All-World）要高。然而，如果你投資 S&P 500，你
09:43
🎙️
are getting just us stocks and not all World stocks and potentially I think with an all World ETF you are getting a
可能我認為，透過全球 ETF，你持有的是美國股票，而非全球股票，且你可能獲得更多元的股票配置
09:51
🎙️
greater variety of stocks and you are getting that spread across the world so by investing in an all World ETF you are
並在全球範圍分散風險。因此，投資全球 ETF 能讓你
09:58
🎙️
getting a much more diverse portfolio yes 58% of it is currently US Stocks but the rest of it is stocks from throughout
持有更加多元的投資組合。是的，目前其中 58% 是美國股票，但其餘部分則是來自全球各地的股票
10:05
🎙️
the world whereas if you're investing in the S&P 500 you are just getting us stocks and potentially the US market
相反地，如果你投資 S&P 500，你只持有美國股票，且潛在的美國市場
10:12
🎙️
might be a little bit overheated it might not be it might continue to do really well but I have personally
可能有點過熱，也可能沒有，它可能持續表現出色，但我個人
10:17
🎙️
decided to recently make investments in the foot seat all World rather than the S&P 500 simply because I prefer the
最近決定投資 FTSE All-World 而非 S&P 500，純粹是因為我偏好
10:24
🎙️
diversity that that provides however please do your own research go away have a look at any other ETFs that you might
它所提供的多元性。然而，請務必做自己的研究，去查看其他你可能
10:31
🎙️
think look really really strong always check those fees and take a really good look at past performance but always
覺得看起來非常強勁的 ETF。務必檢查那些費用，並仔細檢視過往表現，但永遠
10:39
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remember that past performance is not always indicative of future performance so if it's done very well in the past
記住過往表現不代表未來績效，所以如果它過去表現非常好，
10:45
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who knows if it's going to continue to do well into the future thank you so much for taking the time to watch this
誰知道它未來是否會持續表現良好。非常感謝您花時間觀看這部
10:50
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video I hope you found it helpful if you have please give it a like with the like button and if you fancy subscribing that
影片。希望您覺得有幫助，如果是，請幫我按個讚，如果您也想訂閱，
10:57
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would be absolutely awesome I have been Blown Away by how many people have been subscribing in the last few weeks um I
那就太棒了。最近幾週的訂閱人數讓我感到非常驚喜，嗯，
11:04
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have kind of sat with uh just over 3,000 subscribers for quite a long time and then in the last few weeks it's gone way
我原本在 3,000 多位訂閱者這個數字停留了相當長一段時間，但最近幾週它大幅
11:10
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up over 5,000 which is absolutely brilliant and I really appreciate it and I hope you enjoyed the video have a
上升超過 5,000 人，這真的太棒了，我非常感激，希望您喜歡這部影片，祝您有個
11:16
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lovely day bye-bye
美好的一天，再見。
