每天都有朋友私訊給我詢問問題,這次整理這篇文章希望讓大家有快速觀念。
如果有任何問題,歡迎留言跟我說。
—— —— —— —— ——
📌第一站【基本功,先了解這些,再往下看】
股票是什麼?
https://www.pgfinnote.com/what-are-stocks/
證券是什麼?
https://www.pgfinnote.com/whats-securities/
共同基金是什麼?
https://www.pgfinnote.com/mutual-fund-definition/
投信是什麼?投顧是什麼?
https://www.pgfinnote.com/securities-investment-trust-and-consulting-act/
初級市場、次級市場是什麼?
https://www.pgfinnote.com/primary-market/
股票、基金、ETF是什麼?有什麼不同?
https://www.pgfinnote.com/stock-fund-etf/
—— —— —— —— ——
📌第二站【開始投資前,先了解收支管理的概念】
如何培養存錢習慣?
https://pgfinnote.com/how-to-get-into-the-habit-of-saving-money/
利用主動收入來累積被動收入
https://pgfinnote.com/how-to-increase-future-income/
個人家庭理財會用到的三張財務報表:資產負債表、收支損益表、現金流量表
https://pgfinnote.com/financial-statements/
—— —— —— —— ——
📌第三站【投資時,做好理財規劃】
為什麼需要財務規劃?理財規劃的目的
https://pgfinnote.com/financial-planing/
做好理財規劃的好處
https://pgfinnote.com/financial-planing-benefit/
理財規劃的步驟是什麼?
https://pgfinnote.com/financial-planing-step/
什麼是蒙地卡羅模擬法?計算財務規劃成功率
https://www.pgfinnote.com/monte-carlo/
—— —— —— —— ——
📌第四站【我想告訴你的投資觀念】
為什麼買股票會有比較高的報酬率?
https://www.pgfinnote.com/equity-risk-premium/
為什麼不該頻繁關注投資的報酬率?
https://www.pgfinnote.com/dont-peek/
股市下跌會怎樣?
https://www.pgfinnote.com/what-happens-to-stocks-after-a-big-down-month/
什麼是指數化投資?
https://www.pgfinnote.com/what-is-index-investing-2/
—— —— —— —— ——
📌第五站【當你還在猶豫如何挑選投資策略,看看這些】
波段操作的缺點
https://www.pgfinnote.com/market-timing/
共同基金落後大盤指數的比例
https://www.pgfinnote.com/general-funds-that-underperformed-index/
花越多時間研究投資理財越好嗎?
https://www.pgfinnote.com/your-time-is-limited/
為什麼多數人不該花時間擇時選股?
https://www.pgfinnote.com/what-time-is-it-in-your-life/
推薦被動投資、指數化投資的專業人士
https://www.pgfinnote.com/index-investing-advocate/
大多數長期投資者都不能跑贏市場平均水準
https://www.pgfinnote.com/burton-malkiel-wallstreet/
基金vs大盤,主動型基金經理人的落後表現(2005-2017年)
https://www.pgfinnote.com/fund-managers-fail/
📌閱讀全文:https://www.pgfinnote.com/novice-village/
同時也有3部Youtube影片,追蹤數超過361萬的網紅Dan Lok,也在其Youtube影片中提到,Did You Know That Compound Interest Is One Of The Most Fundamental Concepts In Finance? Knowing How To Make Money Work For You Is Essential To Buildi...
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- 關於money market mutual funds 在 寶可孟的理財記事本 Facebook 的最佳解答
- 關於money market mutual funds 在 Dan Lok Youtube 的最佳解答
- 關於money market mutual funds 在 我要做富翁 Youtube 的最佳解答
- 關於money market mutual funds 在 Dan Lok Youtube 的最讚貼文
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money market mutual funds 在 浩爾譯世界 Facebook 的精選貼文
【每日國際選讀】
#文末挑戰多益選擇題📝
日報酬三倍、虧損也三倍
10年上漲 7298% 的TQQQ,你敢買嗎?
開啟「接收通知」和「搶先看」每天吸收雙語時事新知
來讀華爾街日報獨家
🥇This Fund Is Up 7,298% in 10 Years. You Don’t Want It.
這支基金10年上漲7298%,但不建議貿然購買(上)
🍎Few funds in history can rival the returns of ProShares UltraPro QQQ, a $7 billion exchange-traded fund that seeks to triple the daily performance of the Nasdaq 100 index.
ProShares UltraPro QQQ的回報率在基金產業史上罕有匹敵,這支規模70億美元的ETF,所追求的日報酬為納斯達克100指數日報酬的三倍。
-rival: 與…匹敵、爭鋒
-exchange-traded fund; ETF: 指數股票型基金
*ETF指能在股票交易所買賣的指數型基金,是一種被動追蹤某一指數表現的共同基金,在集中市場掛牌,像一般股票交易供投資人買賣。
-daily performance: 日報酬
💸Yet fewer can rival its risk, and you can lose money on it even in a flat or rising market. You should think three times before investing in such a fund.
但這支基金的風險也大到讓其他同行望塵莫及,即便在市場橫盤或上漲時也可能讓你虧錢。要投資這樣一支基金你恐怕必須三思而行。
-flat market : 市場持平、橫盤
-補充用法:think twice 三思而後行
🍀Commonly called by its ticker symbol, TQQQ, the fund returned an average of 51.5% annually over the 10 years ended July 31, making it the single best-performing mutual fund or ETF of the past decade, according to Morningstar Inc. Over the 10 years through Aug. 13, the fund has earned a cumulative gain of 7,298%.
人們一般用股票代碼TQQQ來稱呼這支ETF。根據晨星公司(Morningstar Inc.)數據,截至2020年7月31日的10年裡,TQQQ的年平均回報率為51.5%,是過去10年中表現最好的共同基金或ETF。在截至8月13日的10年裡,TQQQ累計取得了7298%的回報率。
-ticker symbol: 股票代號
-return:回報、報酬
-mutual fund: 共同基金
-cumulative:累計的、累加的
未完待續...
TQQQ究竟是怎麼操作的?
加入文末每日國際選讀計畫,解鎖完整語音導讀版
——
原文連結請看留言
——
❓❓多益模擬題❓:
Between Feb. 18 and March 20, during the coronavirus _____, the Nasdaq 100 ___ 27.3%. TQQQ lost 69.1%.
🙋🏻♀️🙋🏼♀️
A. clash/uplifted
B. crash/ fell
C. clamp/failed
-
【每日國際選讀,熱烈招生中!】
華爾街日報訂閱超值方案 📰
專屬 #臉書社團,浩爾 #每日語音導讀
「留言+1」,就送你 #優惠碼 及 #導讀試聽!
money market mutual funds 在 寶可孟的理財記事本 Facebook 的最佳解答
【好文分享】綠角說實話-金融產業的利益衝突與負面事件
我很認同綠角的概念:金融業跟民眾的資產管理,本來就是一件有「利益衝突」的事!
投資要挑對工具,才能讓你的績效不會輸在起跑點。也許現在的你還沒有準備好要投入投資與證券市場,但別忘了:那些滿臉微笑的銀行業者,都磨刀霍霍準備好了!
不論是存錢、買基金、辦信用卡,每一項商品的背後都有它的「貓膩」(眉角),你是否真的能夠安然走過這條都市叢林之路,躲過這些掠奪者的燒殺擄掠?
沒有人站出來講真話給你聽,恐怕難上加難。
在許多讀者與投資朋友的眼中,金融業似乎是一個光鮮亮麗的行業。銀行有明亮寬敞的大廳,基金業者在高級飯店舉辦講座,研究員們一個個專心掌握全球局勢。
但請不要忘記,這個行業,就跟所有事業一樣,是要為自己賺錢的。提供他人有價值的服務,為自己賺錢,理所應得。但傷害客戶,為自己賺錢,天理難容。
身為投資人的我們,要小心的就是,金融業者是否在傷害我們,為自己獲取報酬。
第一個傷害,就是收取過高的費用。
投資成果,就是錢。金融業者收太多錢,你的績效就不會好。這是基本原理。
任何告訴你投資不需要在意成本的人,你一定要知道,他不懂投資。
假如這個人還在金融業服務,你要知道,他可能懂,但他覺得你不必,也不需要懂。
在台灣發售的境外基金,常是美國同一支基金的高費用版本。買一樣的東西,台灣人就是要付比較多錢。
這問題我在2008就寫文章講過,到今天仍是一樣。請見:
投資界的次等公民(Exploited Investors)
http://greenhornfinancefootnote.blogspot.com/…/exploited-in…
原因就在於,很可悲的是,許多台灣投資人仍對此毫無所知,或是甘願買次等產品。
台灣當地的基金,不僅買賣要收手續費,普遍還有內扣費用太高的問題。
請見:
2013 Investment Company Factbook讀後心得1---台灣基金投資成本過高
http://greenhornfinancefootnote.blogspot.tw/…/2013-investme…
大跌保證基金(Mutual Funds with Extreme High Expense Ratios)
https://greenhornfinancefootnote.blogspot.tw/…/mutual-funds…
台灣投信基金2018全年費用整理1---不要再當基金冤大頭了
https://greenhornfinancefootnote.blogspot.com/…/…/20181.html
連台灣當地的ETF,都有內扣費用過高的問題,請見:
觀看台灣ETF費用有感---ETF未必是低成本(ETF with High Expense Ratios)
https://greenhornfinancefootnote.blogspot.com/…/etf-etfetf-…
台灣投信業者不僅自己收較高的經理費,連給合作券商的交易手續費,都給的特別大方,請見:
台股基金過高的股票交易費用(Soft-Dollar Arrangement in Mutual Fund Business in Taiwan)
http://greenhornfinancefootnote.blogspot.com/…/soft-dollar-…
基金這些法人,買賣股票要比散戶付更高的手續費呢?
這是什麼理由?
任何有點基本常識的人,都會知道這是非常荒謬的事情。資產管理公司是這樣”認真”、”小心”看管投資人託付的資產嗎?
收費高,還帶來很有問題的服務。
多家基金公司,淨值計算錯誤:
基金會計錯誤(Error in Mutual Fund NAV Calculation)
http://greenhornfinancefootnote.blogspot.com/…/error-in-mut…
在賣出理由的說明文件中,卻說該支股票值得買進。這種明顯矛盾是怎樣的”專業”資產管理?
他們怎樣用你的錢?(How is Your Money Managed?)
http://greenhornfinancefootnote.blogspot.com/…/how-is-your-…
一家資產管理公司,在美國調降費用,在台灣,運用特別”手段”,調高經理費:
橘越淮而為枳---一家基金公司的故事(Different Pricing Policies of BlackRock)
http://greenhornfinancefootnote.blogspot.tw/…/different-pri…
利用職務取得的資訊,傷害投資人權益:
以職務之便,謀取私利(Corrupted Mutual Fund Business)
http://greenhornfinancefootnote.blogspot.tw/…/corrupted-mut…
還有基金銷售管道的大問題,把根本不適合的工具賣給客戶。嚴重傷害客戶財務,只為自己的手續費收入。吃相非常難看。
台灣的高收債亂象(High Yield Is Not Guarantee for High Return)
https://greenhornfinancefootnote.blogspot.com/…/high-yield-…
當年喧騰一時的盈正案:
盈正案後續調查結果(An Investigation that Yields Almost Nothing)
http://greenhornfinancefootnote.blogspot.tw/…/an-investigat…
壽險業者也有問題:
指數化投資甚少被提及的優點—從南山人壽經理人事件談起
http://greenhornfinancefootnote.blogspot.com/…/blog-post.ht…
還有這種費用高到不知道有什麼優點,有什麼買進理由的保單:
變額年金險費用解析—我的批評(Analysis of Variable Annuity Fees and Charges---The Untold Truth.)
http://greenhornfinancefootnote.blogspot.com/…/analysis-of-…
美國基金業者一樣出過包:
2003基金醜聞(The 2003 Mutual Fund Scandal—Late Trading and Market Timing)
http://greenhornfinancefootnote.blogspot.com/…/2003the-2003…
資產管理公司的貪婪(The Greed of Asset Management Company---The Citigroup Scandal)
http://greenhornfinancefootnote.blogspot.com/…/greed-of-ass…
討論這些事情,並不要揭人瘡疤,讓人難看。而是要讓身為投資人的我們,更有警覺。不要被騙了還不知道。
很多金融業者的運作原則,是把自身獲利放在無比的崇高地位。高到連傷害客戶,都是可以允許的。
請小心,不要遇上這樣的業者。
自己的錢財要靠自己小心看管。
money market mutual funds 在 Dan Lok Youtube 的最佳解答
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This video is about How Does Compound Interest Work.
https://youtu.be/jMoLkEcGHCo
https://youtu.be/jMoLkEcGHCo
money market mutual funds 在 我要做富翁 Youtube 的最佳解答
低沉了大半年的恒指,今個星期終迎來千點升幅,2018年餘下兩月,能否挽回禿勢?今集 #基密行動 Ronald Mak 會和大家重溫 10 月發生的大事,而年初至今表現最佳的版塊竟然是「貨幣市場基金」(Money Market Fund),並分享他對未來中美經濟的看法,以及應如何調整自己的部署!
#中美貿易戰 #恒指 #中國股市 #美股 #保守基金 #防守基金 #貨幣市場基金 #MMF #資產配置 #投資策略 #投資新手 #MPF
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money market mutual funds 在 Dan Lok Youtube 的最讚貼文
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This video is about You Will Be Poor If You Do This - Bad Financial Advice
https://youtu.be/vbZL0-6MjFM
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money market mutual funds 在 What is a Money Market Mutual Fund (and How To Invest in ... 的推薦與評價
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money market mutual funds 在 TD US Money Market ($US) - TDAM | Mutual Fund Card 的推薦與評價
TD U.S. Money Market Fund (US$) - I ... Fund Code / Ticker Symbol ... The fundamental investment objective is to earn a high rate of interest income and at ... ... <看更多>