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welcome back to the channel in today's video we will be diving into what an exchang traded fund or ETF is and why is
歡迎回到本頻道，在今天的影片中，我們將深入探討什麼是「指數股票型基金」或 ETF，以及為什麼
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one of the very best investments if you are a beginner investor but why it's also a fantastic investment that's
如果您是新手投資者，它是最棒的投資之一，但為什麼它也是
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perfect for seasoned investors and why the very wealthy or high net worth individuals are investing in ETFs in
適合經驗豐富投資者的絕佳投資，以及為什麼非常富有的人士或高淨值人士正在投資 ETF，在
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this video I'll be explaining why ETFs are such attractive Investments and how you can get started yourself with
這部影片中，我將解釋為什麼 ETF 是如此吸引人的投資，以及您如何可以自己開始
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investing in exchange traded funds so what exactly is an ETF so ETF stands for exchange traded fund and when you invest
投資於指數股票型基金，那麼究竟什麼是 ETF？ETF 代表指數股票型基金（Exchange Traded Fund），當您投資
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in an ETF rather than investing in a single stock you're actually getting a collection of several different stocks
於 ETF 時，與其投資於單一股票，不如說您實際上是獲取了一籃子不同的股票
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so say for example you went down to your local shop and instead of just buying a single apple or in this example let's
舉例來說，如果您去當地的商店，不是只買一個蘋果，或者在這個例子中，讓我們
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talk about a single Apple stock you're actually going to the shop and you are buying a basket of different stocks in
談論一檔蘋果公司的股票，您實際上是去商店，買下一籃子不同的股票，作為
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one single investment so with ETFs you'll often find that they're categorized into different geographical
單一的一項投資。因此，對於 ETF，您通常會發現它們被分類為不同的地理
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regions or that they might be categorized into different sectors so one of the most diverse ETFs that is
區域，或者它們可能被分類為不同的產業。市面上最多元化的 ETF 之一是
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available on the market is a footsy all World ETF where when you are investing in a footy all World ETF you're
富時全球指數 ETF（FTSE All-World ETF），當您在投資富時全球 ETF 時，您
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investing across the whole world so let's have a quick look at a very popular all World ETF this is vanguard's
是在投資全世界。讓我們快速看一下非常受歡迎的 Vanguard 富時全球 ETF，這是 Vanguard 的
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footy all World ETF when you're investing in this single ETF you're actually getting a slice of 3,600
富時全球 ETF，當您投資這檔單一的 ETF 時，您實際上是獲得了 3,600 檔
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129 different stocks at present and this will be spread across the whole world so the majority of this ETF will be
129 種不同股票的一部分（目前數據），並且這將分散在全球各地。因此，這檔 ETF 的大部分
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invested in US Stocks so around 62% will be US stocks and then the rest of the stocks will be across the whole world so
將投資於美國股票，大約 62% 將是美國股票，其餘的股票則分佈在全世界。那麼
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let's quickly cover off three reasons why ETFs are so so popular the first one is that they provide a very diverse
讓我們快速歸納 ETF 如此受歡迎的三個原因。第一個是它們提供了非常多元化的
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portfolio so when you make a single investment into an ETF rather than just making a single investment into a stock
投資組合。當您對 ETF 進行單一投資時，而不是只對單一股票進行投資，
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and worrying about the volatility and performance of that stock you are investing in a wide range of different
並擔心該股票的波動性和表現，您是在投資於廣泛的不同
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stocks so you're getting a much more diverse portfolio without having to make lots of investing decisions or pick
股票，因此您獲得了更多元化的投資組合，而無需做出許多投資決策或挑選
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individual stocks they are also very very low cost and when it comes to investing making lowcost investment
個別股票。它們的成本也非常、非常低，而在投資時，進行低成本的投資
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decisions is so so important because there's very little that you can guarantee with investing apart from what
決策非常重要，因為在投資中，除了費用之外，幾乎沒有什麼是可以保證的。
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the fees are going to be so fees really do compound over time so you want to be looking for the lowest possible fees and
所以費用真的會隨著時間複利增長，因此你希望尋找尽可能最低的費用。
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ETFs do tend to have much much lower fees than actively managed mutual funds because ETFs are predominantly passive
ETF 的費用往往比主動管理型共同基金低得多，因為 ETF 主要是被動型投資。
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Investments the fees are much much lower and then the third reason why ETFs are such a good investment is that they are
費用要低得多，而 ETF 成為如此好的投資的第三個原因是它們具有
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highly liquid so since ETFs trade like stocks they can be bought and sold any time during Market hours and this
高流動性。由於 ETF 像股票一樣交易，可以在市場交易時段的任何時間買賣。
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liquidity is key for wealthier investors looking for more flexibility so some of the richest most successful billionaire
這種流動性對於尋求更多靈活性的富裕投資者來說至關重要。所以一些最富有、最成功的億萬富翁
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investors have talked about why ETFs are such good Investments so Warren Buffett has also given his stamp of approval to
投資者曾談論過為什麼 ETF 是如此好的投資。沃倫·巴菲特 (Warren Buffett) 也對
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passive investing while Buffett himself refers to invest in vire hathway he has consistently recommended lowcost index
被動投資給予了認可。雖然巴菲特本人稱之為投資「Vanguard」（Vanguard），但他一直推薦低成本指數
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funds which are very similar to ETFs for most investors he says the most important thing is to stick with the
基金，這與 ETF 非常相似。對於大多數投資者，他說最重要的是堅持
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index fund strategy I think the best thing to do is to buy the S&P 500 Index Fund it's low cost and over time the
指數基金策略。我認為最好的做法是買進標準普爾 500 指數基金，它的成本低，而且隨著時間的推移，
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index will beat most managers so here Buffett is talking about why passive investing and investing in ETFs or index
指數會擊敗大多數經理人。所以在這裡，巴菲特談到為什麼被動投資以及投資 ETF 或指數
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funds might be better than going ahead and trying to choose individual stocks and shares yourself or potentially
基金可能比自己試圖挑選個股，或者
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choosing an actively managed fund which might underperform an index or ETF another legendary investor Ray alio the
選擇可能表現落後於指數或 ETF 的主動管理型基金更好。另一位傳奇投資者、橋水聯合基金 (Bridgewater Associates) 的
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founder of Bridgewater Associates has also endorsed ETFs for achieving a diversified exposure with minimal effort
創始人雷·達里歐 (Ray Dalio) 也認可 ETF 能以最小的努力實現多元化的投資敞口。
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he says I recommend that people invest in a balanced portfolio of stocks bonds and alternative assets one of the
他說，我建議人們投資於股票、債券和另類資產的平衡投資組合。最簡單、
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simplest and most effective ways to do this is through ETFs and Delio is all about diversification and ETFs are the
最有效的方法之一就是透過 ETF。達里歐非常重視多元化，而 ETF 是
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perfect tool to help you achieve that they allow investors to access a wide range of assets without having to worry
幫助你實現這一目標的完美工具。它們讓投資者能夠接觸廣泛的資產，而無需擔心
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about individual stock picking or managing multiple investment vehicles if you're thinking that investing in ETFs
個股挑選或管理多個投資工具。如果你認為投資 ETF
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might be a good option for you then you might be thinking how do I get started so here in the UK probably one of the
對你來說可能是一個不錯的選擇，那麼你可能在想該如何開始。所以在英國，最好的
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best best ways to get started is opening up a stocks and shares Isa or otherwise known as an investment Isa so in a
開始方式之一可能是開設一個股票和股份 ISA（Stocks and Shares ISA），或者也稱為投資 ISA。所以在一個
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stocks and shares or investment Isa you can invest up to £20,000 every Financial year and any gains that you're making on
股票與 Shares 或投資 ISA，您每個財政年度最多可投資 20,000 英鎊，而您在 ISA 內的投資所產生的任何收益
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your Investments within an Isa are not taxed so if you're making any money through capital gains or growth that
都不會被課稅，因此如果您透過資本利得或增長賺取任何利潤，這筆
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money will not be taxed and when you're choosing the platform that you want to invest with it's really important to
錢將不會被課稅。而在選擇您想要使用的投資平台時，非常重要的一點是
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take a look at not only whether the ucfs that you want to invest in are available but also the fees so if you can find an
不僅要查看您想投資的 UCITS 是否可用，還要注意手續費。因此，如果您能找到一個
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investment platform that is commission free then that might be a good option for you I've used many different
免佣金的投資平台，那對您來說可能是一個不錯的選擇。我使用過許多不同的
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Platforms in my time and still invest with many different platforms but one of the platforms that does offer
平台，並且目前仍在許多不同的平台上進行投資，但其中提供
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commission-free investing is trading 212 so I've popped a link down below to trading 212 where if you start investing
免佣金投資的平台之一是 Trading 212。我在下方附上了一個 Trading 212 的連結，如果您透過該連結開始投資
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with that link you will get a free fractional share worth up to £1 but what's most important here is that the
，您將獲得價值最高 1 英鎊的免費零碎股票，但最重要的是
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trading 212 platform is very very easy to use it has many many different ETF available and I personally use it myself
Trading 212 平台非常非常易於使用，它有許多許多不同的 ETF 可供選擇，我自己也在使用它
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and feel that it's very very user friendly so once you've opened up a stocks and shares Isa with the
，並覺得它非常非常用戶友好。因此，一旦您在適合您的
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investment platform that is right for you you're going to want to start looking at which ETFs you want to invest
投資平台開設了股票與 Shares ISA，您就會想要開始研究要投資哪些 ETF。如我之前所提到的，富時 100 或全球指數是一個非常棒的分散投資標的，我目前投資了
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in as I mentioned before a foot seat or world is a really nice diverse investment I'm currently invested in the
Invesco 富時全球 ETF，供您參考，僅僅是因為該投資的費用非常非常低，但
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Invesco footsy all World ETF for your reference simply because the fees are very very low for that investment but a
許多人也非常喜歡 Vanguard 的富時全球指數 ETF，其代碼是 VWRL。如果您對這個富時全球
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lot of people also really like vanguards footy all World um the for that is vwl if you are interested in that foot SE or
ETF 感興趣，或者您可能想對要投資的 ETF 更具選擇性，例如您特別
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World ETF or maybe you want to be a bit more selective with which ETFs you want to invest and maybe you're specifically
對科技板塊感興趣，或者您特別對新興市場或英國 ETF 感興趣，那麼如果
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interested in say for example the tech sector or you're specifically interested in Emerging Markets or UK ETS then if
是這種情況，我有適合您的影片。因此，在我下方也有連結的這部影片中，我介紹了 17 檾
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that is the case I've got the video for you so in this video that I have linked down below as well I go through 17 of
最好的不同 ETF，我涵蓋了各種因素，包括它們過去的表現、費用、風險等級
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the very best different ETS I go through all sorts of factors their past performance their fees their risk levels
，我希望這部影片能給您一個很好的起點，去了解哪些 ETF 可能適合
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and I hope that this video would give you a really good starting off point to understand which ETFs might be right for
您投資。現在需要非常強調的一點是，過去的表現並不代表未來的...
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you to invest in now what is really important to say is that past performance is not indicative of future
您現在要投資的標的，真正重要的是要說明，過往的績效並不代表未來的
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performance when it comes to investing and that is the same when you are investing in ETFs so it's really good to
投資表現這點，當你投資 ETF 時也是一樣的，所以好好
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take a look at past performance of different exchange traded funds and to use that as a guide however we all know
看看不同 ETF 的過往表現，並以此作為參考是很好的，然而我們都知道
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that when we're investing your capital is at risk and you're not going to get a guaranteed x% in the future if you want
當你在投資時，你的資本是有風險的，未來你並無法保證獲得 X% 的報酬，如果你想要
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to get a guaranteed x% in the future then it might be worth looking at something like a highin savings account
在未來獲得有保證的 X% 報酬，那麼或許值得考慮像是高利活存帳戶
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rather than starting to invest because as always when you're investing your capital is at risk anyway that's it for
之類的產品，而不是開始投資，因為一如往常，當你在投資時，你的資本始終是有風險的。以上就是
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today's video if you have taken any value from this video please do give it a like And subscribe to this channel if
今天的影片，如果你從這支影片中獲得了任何價值，請務必給我一個讚，如果你願意，也歡迎訂閱這個頻道。我即將達到
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you fancy I'm getting very close to 10,000 subscribers and I would absolutely love it if you want to
10,000 位訂閱者，如果你願意
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subscribe also if you have any questions about anything that I said in this video then please do pop them in in the
訂閱，我會非常開心。另外，如果你對我在這支影片中提到的任何內容有疑問，請務必留言在
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comments down below or if you have any suggestions for future videos again I love to hear about that in the comments
下方的留言區，或者如果你對未來的影片有任何建議，我也很樂意在下方留言區聽聽你的想法。
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down below thank you for taking the time to watch this video and I hope you have a really lovely day bye-bye
感謝你花時間觀看這支影片，希望你度過美好的一天，再見。
