[精選文章]2015年巴菲特給你的6項財富忠告:原文及讀後心得!

讓我們看看股神在2015年給我們什麼樣的忠告吧!

Warren Buffett’s Best Advice for 2015

1. Put Your Estate in Index Funds

In his 2014 letter to Berkshire Hathaway shareholders, Buffett revealed his estate plan, reminding readers to keep their investments safe, low-cost and long-term. Turns out, he’s planning on leaving all of the cash for his wife in a product that’s as old, stodgy and lucrative as himself.

“My advice to the trustee could not be more simple: Put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund. (I suggest Vanguard’s.) I believe the trust’s long-term results from this policy will be superior to those attained by most investors — whether pension funds, institutions or individuals — who employ high-fee managers.”

2. Stay Away From Bitcoin

Given Buffett’s almost wholesale aversion to tech, this one isn’t a surprise; the Oracle refuses to invest in what he doesn’t know, and he doesn’t know the technology sector, IBM notwithstanding. But Buffett’s problem with Bitcoin isn’t that it’s a tech investment — it’s that it’s not any kind of investment at all, because it doesn’t have value, as he explained in a March interview with CNBC.

“Stay away from it. It’s a mirage, basically. … It’s a method of transmitting money. It’s a very effective way of transmitting money and you can do it anonymously and all that. A check is a way of transmitting money, too. Are checks worth a whole lot of money just because they can transmit money? Are money orders? You can transmit money by money orders. People do it. I hope Bitcoin becomes a better way of doing it, but you can replicate it a bunch of different ways and it will be. The idea that it has some huge intrinsic value is just a joke in my view.”

3. Learn How to Read Financial Statements

Buffett gave this advice to Tre Grinner, a 17-year-old with Hodgkin’s Lymphoma who recently secured a Goldman Sachs internship with the help of the Make-a-Wish Foundation. Buffett surprised the intern with a call while he was being interviewed by CNBC in August, offering him this advice:

“Take all the accounting courses that you can find. Accounting is the language of business. … It’ll make it so much easier for years and years to come for reading financial statements, to get comfortable with it, because it is a language all of its own. Getting comfortable in a foreign language takes a little experience, a little study early on, but it pays off big later on.”

4. Focus on Saving, Not Getting Rich Quick

Ironically, Buffett dropped this tip when promoting his basically unwinnable billion dollar bracket challenge on the Dan Patrick Show. The sweepstakes, backed by Buffett and Quicken Loans, would award $1 billion to anyone who devised a perfect NCAA March Madness bracket. (The odds of winning were about 1 in 9.2 quintillion — you were 53 billion times more likely to win the Powerball.) Still, the Oracle’s advice was solid:

“Well, I think the biggest mistake is not learning the habits of saving properly early. Because saving is a habit. And then, trying to get rich quick. It’s pretty easy to get well-to-do slowly. But it’s not easy to get rich quick.”

5. When Stock Prices Drop, Buy — Don’t Sell

It was a volatile year for the market and Buffett’s wealth; the investor lost about $2 billion in the course of several days in October when Coke and IBM took a hit after their quarterly earnings reports. Buffett kept calm, though, giving several interviews in which he explained why he was a fan of bear markets. Granted, when you’ve got $63 billion to your name, this kind of a hit is lunch money. But, as the Oracle explained to CNBC, investors with itchy trigger fingers rarely succeed.

“I like buying it as it goes down, and the more it goes down, the more I like to buy. … If you told me that the market was going to go down 500 points next week, I would have bought those same businesses and stocks yesterday. I don’t know how to tell what the market’s going to do. I do know how to pick out reasonable businesses to own over a long period of time.”

6. Stop Pretending to Be an Expert

“If you don’t invest in things you know, you’re just gambling,” Buffett told CNBC earlier this year. It’s advice he’s rarely strayed from, and the reason why tech, gold and airlines will never get his money (or, in the case of airlines, get his money again). As he wrote in his 2014 shareholders letter:

“You don’t need to be an expert in order to achieve satisfactory investment returns. But if you aren’t, you must recognize your limitations and follow a course certain to work reasonably well. Keep things simple and don’t swing for the fences. When promised quick profits, respond with a quick ‘no.'”

原文及出處:

http://www.gobankingrates.com/personal-finance/6-things-warren-buffett-says-should-money-2015/

中文翻譯:

http://www.melodyliao.com/2014/12/6_25.html

小樂心得:

巴菲特忠告一:把資產放在指數基金!

這也是巴老一直以來對於一般投資人的建議,投資在指數型基金上其實你已經具備擊敗多數基金經理人的條件!巴老甚至還挑選指數型基金買入跟人打賭,就目前的績效看來巴老還是略勝一籌喔!

相關報導:跟股神巴菲特對賭　他..他認輸了啦！

巴菲特忠告二:避開比特幣!

從比特幣(Bitcoin)橫空出世後,巴菲特就不看好它!果然最近也陸續傳出比特幣的負面消息!只能說巴老真是洞燭機先!

相關報導:

2015/02/12香港比特幣交易平台倒閉，30 億港元蒸發

2015/02/03台灣比特幣交易所被駭 周轉不靈 兩週提對策

2014/03/02Mt. Gox聲請破產！85萬個比特幣遭竊，損失近5億美元

巴菲特忠告三:學習閱讀財務報表!

我想這一點只要是有心於研究一家公司值不值得投資的人,都是應該具備的基本條件!

巴菲特忠告四:聚焦在儲蓄，別只求快速致富!

許多人想的是如何快速致富,巴菲特卻要我們反其道而行,先從儲蓄開始!我想這是非常非常務實的觀念,也是大家必須時刻銘記在心的!

巴菲特忠告五:當股價下跌時，勇敢買進!

這一點是巴菲特的投資核心概念,尋找好公司長期投資,而當市場恐慌時,人棄我取!我想這就是巴老縱橫股海數十年而不敗的利器!

巴菲特忠告六:別假裝自己是專家!

投資時最忌諱的就是過度自信的心理,在自己的能力圈範圍投資,而不去碰觸能力圈以外的事物,才是持盈保泰之道!不知為不知,是知也!