沃伦·巴菲特的建议:忘记快速致富

Warren Buffett has lots of advice for investors, and it comes down to this: Get over yourself. Stop thinking that there’s a magical secret formula for making tons of money overnight, and that you can discover it because you’re smarter than any other investor out there. In fact, his suggestions seem to say, when it comes to getting rich, slow and steady wins the race.
沃伦·巴菲特对投资者有很多建议,归结起来就是:忘掉你自己。不要认为一夜暴富有一个神奇的秘密公式,你可以发现它,因为你比任何其他投资者都聪明。事实上,他的建议似乎是说,当谈到致富时,缓慢而稳定的人会赢得这场比赛。

The personal finance site GO Banking Rates has reviewed Buffett’s most recent advice and compiled it into a list of tips. You can see the full list here. Meanwhile, here are three items that give some insight into the Oracle of Omaha’s thought process.
个人理财网站GO Banking Rates审查了巴菲特的最新建议,并将其汇编成一份提示清单。你可以在这里看到完整的列表。与此同时,这里有三个项目让我们对奥马哈先知的思维过程有所了解。

1. Put your long-term investments in an index fund tied to the S&P 500.
At least that’s what Buffett says he himself intends to recommend for the money he leaves to his wife, in what GO Banking Rates describes as “a product that’s as old, stodgy, and lucrative as himself.” Buffett’s plan: put 10 percent of the cash in short-term government bonds and 90 percent in a very low-cost S&P 500 index fund. “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,” he adds.
把你的长期投资放在与S&P 500挂钩的指数基金中。
至少巴菲特是这么说的,他自己打算向妻子推荐他留给妻子的钱,在GO Banking Rates的描述中,这是“一个和他自己一样古老、古板、利润丰厚的产品”巴菲特的计划是:将10%的现金投资于短期政府债券,90%投资于成本非常低的S&P 500指数基金。他补充道:“我相信,信托基金从这项政策中获得的长期收益将优于大多数投资者——无论是养老基金、机构还是个人——所获得的收益。

He’s most likely right about that. Research seems to support the notion that index funds outperform managed funds (including mutual funds) the vast majority of the time. The logic is simple: Since index funds are “passive,” just a matter of buying all the stocks in a given index such as the S&P 500, there’s much less cost to cover a sophisticated financial planner, and less expense for buying and selling investments in an attempt to gain more return.
他很可能是对的。研究似乎支持指数基金在大多数情况下表现优于托管基金(包括共同基金)的观点。逻辑很简单:由于指数基金是“被动的”,只需购买S&P 500等给定指数中的所有股票,聘请一名老练的财务规划师的成本就低得多,而购买和出售投资以获得更多回报的成本也低得多。

But make careful note of the phrase “long-term.” The stock market can crash and then can take many years to catch up to itself again. To reap the return, you must have both the time and the self-discipline to leave your money in the index fund and wait out the down cycle. It’s not right for everyone.
但是请仔细记下“长期”这个短语股市可能会崩盘,然后可能需要很多年才能再次赶上。为了获得回报,你必须有时间和自律,把钱留在指数基金中,等待下跌周期结束。不是每个人都适合。

2. Learn to save.
Buffett shared this bit of insight during a television special last year. “I think the biggest mistake is not learning the habits of saving properly early. Because saving is a habit,” he said. Another big mistake, he added, is trying to get rich quick. “It’s pretty easy to get well-to-do slowly. But it’s not easy to get rich quick.”
学会存钱。
巴菲特在去年的电视特别节目中分享了这一点见解。“我认为最大的错误是没有尽早学会正确储蓄的习惯。因为储蓄是一种习惯,”他说。他补充道,另一个大错误是试图快速致富。“慢慢变得富裕很容易。但快速致富并不容易。”

3. When a stock price falls, buy, don’t sell.
Buffett followed his own advice last year when he lost $2 billion in a matter of days after disappointing earnings reports drove down the prices of some of his biggest investments. But as he told CNBC, investors who jump ship when a stock price goes down deprive themselves of the chance to recover lost funds when the price goes back up.
当股价下跌时,买进,不要卖出。
巴菲特听从了自己的建议,在令人失望的收益报告压低了他一些最大投资的价格后,他在几天内损失了20亿美元。但正如他告诉CNBC的那样,股价下跌时跳槽的投资者,在股价回升时,就失去了收回损失资金的机会。

Buffett has said he likes bear markets, and the more prices drop, the more he likes to buy. But in general, his advice is to buy dependable long-term stocks in companies whose industry and business model you thoroughly understand. “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,” he explained. “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.”
巴菲特说过他喜欢熊市,价格下跌越多,他就越喜欢买入。但总的来说,他的建议是在你完全了解其行业和商业模式的公司购买可靠的长期股票。“如果你告诉我下周市场将下跌500点,我昨天就会买入同样的企业和股票,”他解释道。“我不知道如何判断市场将会怎样。我确实知道如何选择合理的企业来长期拥有。”

PUBLISHED ON: JAN 20, 2015
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发布时间:2015年1月20日
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原文:https://www.inc.com/minda-zetlin/warren-buffett-advice-forget-get-rich-quick-here-s-how-to-get-rich-slow.html

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