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薪水不高，怎么投资自己？来看看沃伦·巴菲特给你建议！

如今，工资增长怎么也赶不上飞涨的房价、物价。

即便是辛苦到手的工资，似乎也逃脱不了贬值的命运，这年头，不做点投资，只能看着荷包越来越瘪，个人财富缩水。

关于投资，巴菲特曾说过这么一段话：

如同登山，如果想要登顶，最明智的做法是跟随之前成功登顶的先辈的足迹。同样，如果你要投资，那么最好听从巴菲特的投资建议，这样的话投资成功的几率会呈指数级增长。---沃伦·巴菲特

那么，投资有哪些门道呢？一起来看看巴菲特给年轻人的8条投资建议！

1Never Lose Money

不要亏钱

One of the most popular pieces of Buffett advice is as follows: "Rule No. 1: Never lose money. Rule No. 2: Never forget rule No. 1." If you're working from a loss, it's that much harder to get back to where you started, let alone to earn gains.

巴菲特最广为人知的投资建议是：“ 规则1：永远不要亏钱。规则2：永远不要忘记规则1。” 如果你正苦苦挣扎在投资亏损的状态，那么会很难回本，更谈不上获利了。

2Get High Value at a Low Price

低进高卖

In the 2008 Berkshire Hathaway shareholder letter, Buffett shared another key principle: "Price is what you pay; value is what you get." Losing money can happen when you pay a price that doesn't match the value you get — such as when you pay high interest on credit card debt or spend on items you'll rarely use.

2008年，巴菲特曾给伯克希尔·哈撒韦股东们写过一封信，在这份信中，巴菲特还分享了另一个关键原则：“价格是所付金额，而价值是所得收益。”如果买的东西不值所得收益，那么就时亏钱买卖——例如支付高额的信用卡债务利息或花钱买很少用的东西。

Instead, live modestly like Buffett by looking for opportunities to get more value at a lower price. "Whether we're talking about socks or stocks, I like buying quality merchandise when it is marked down," Buffett wrote.

巴菲特一直过着朴素的生活，并寻求机会在低价时买进，得到更多收益。“无论是买袜子还是股票，我都喜欢在价格走低的时候买进。”

3Form Healthy Money Habits

养成良好的理财习惯

In a 2007 address at the University of Florida, Buffett said, "Most behavior is habitual, and they say that the chains of habit are too light to be felt until they are too heavy to be broken." Work on building positive money habits, and breaking those that hurt your wallet.

2007年，在佛罗里达大学一次演讲中，巴菲特说：“大多数行为都是习惯性的，往往这些习惯难以感知到，但会越来越根深蒂固，难以打破。”所以要学会培养积极的投资习惯，戒掉那些会导致亏损的习惯。

4Avoid Debt, Especially Credit Card Debt

避免债务，特别是信用卡债

Buffett built his wealth by getting interest to work for him — instead of working to pay interest, as many Americans do. "I've seen more people fail because of liquor and leverage — leverage being borrowed money," Buffett said in a 1991 speech at the University of Notre Dame. "You really don't need leverage in this world much. If you're smart, you're going to make a lot of money without borrowing."

巴菲特一点点积聚财富，而不是像大多数美国人那样借钱过日子，再支付高昂利息。巴菲特1991年在圣母大学的一次演讲中说：“我看到太多人因为酒和借钱过日子而生活失败。” “在这世界上，人真的不该借钱过日子，如果你够聪明，会赚很多钱，根本不需借钱。”

Buffett is especially wary of credit cards. His advice is to avoid them altogether. "Interest rates are very high on credit cards," Buffett once said. "Sometimes they are 18 percent. Sometimes they are 20 percent. If I borrowed money at 18 or 20 percent, I'd be broke."

巴菲特特别警惕信用卡。他的建议是能不用信用卡就不用。 巴菲特曾说：“信用卡利率非常高 “有时候利率是18％，有时候是20％，如果我要支付18％或20％的利息，我肯定会破产的。”

5Keep Cash On Hand

手头持有流动现金

Another key to ensuring security is to always keep cash reserves on hand. "We always maintain at least $20 billion — and usually far more — in cash equivalents," Buffett said in the 2014 Berkshire Hathaway annual report.

保证安全的另一个关键是始终保持现金储备。巴菲特在2014年伯克希尔·哈撒韦年度报告中曾说：“我们的现金等价物必须不少于200亿美元，往往比这个数字要多得多。”

Businesses and individuals alike might get an itch to put liquid cash to work through investments. "Cash, though, is to a business as oxygen is to an individual: never thought about when it is present, the only thing in mind when it is absent," Buffett said. "When bills come due, only cash is legal tender. Don't leave home without it."

企业和个人都渴望有流动资金来做投资。 巴菲特说：“在生意场上，现金就好比氧气之于人一样重要。拥有现金的时候，可能不会想到它，但是一旦紧缺，脑子里就满是它。账单到期时，只有现金能做偿付，所以出门时，一定要带上现金。

6Invest in Yourself

投资自己

According to Inc.com, Buffett said, "Invest in as much of yourself as you can. You are your own biggest asset by far." He echoed those sentiments in a CNBC interview when he said, "Anything you do to improve your own talents and make yourself more valuable will get paid off in terms of appropriate real purchasing power."

巴菲特曾在Inc.com上撰文说：“尽可能投资自己，你就是你自己最大的资产。” 后来他在CNBC的采访中又说到：“任何增加自身才华的努力都会让你更有价值，让你实际购买力变得更强。”

Those returns are big, too. "Anything you invest in yourself, you get back tenfold," Buffett said. And unlike other assets and investments, "nobody can tax it away; they can't steal it from you."

这些回报是巨大的。 巴菲特说：“投资自己，会让你有10倍收益。” 与其他资产和投资不同，如果投资自己，没有人能向你自己征税，也没人能从你身上抢走收益。

7Learn About Money

了解理财

Part of investing in yourself should be learning more about managing money. As an investor, much of Buffett's job consists of limiting exposure and minimizing risk. And "risk comes from not knowing what you're doing," Buffett once said, according to Forbes. The more you know about personal finance, the more security you'll have as you minimize risks.

投资自己，要多多了解资金管理。 作为投资者，巴菲特的大部分在于限制曝光，减少风险。 据《福布斯》消息，巴菲特曾说过：“风险在于你不了解正在做的事情。如果你对个人理财了解得越多，你就越能减少风险，增加保障。

The lesson from this Buffett quote is to actively educate yourself about personal finance. As Charlie Munger — Buffett's partner — put it, "Go to bed smarter than when you woke up."

巴菲特这句名言告诉人们要多多了解个人理财。 正如巴菲特的合作伙伴查理·芒格所言：“每天睡前要比当天醒来时更加聪明。”

8Trust a Low-Cost Index Fund

购买指数基金

While much of Buffett's wisdom and advice borders on the philosophical, he has also provided some actionable tips that nearly anyone can apply. For instance, Buffett urges the average investor to purchase index funds.

虽然巴菲特的大部分智慧和建议颇有哲学意味，但他还是给出了人人都可操作，可运用的建议，比如：巴菲特建议普通投资者购买指数基金。

"Put 10 percent of the cash in short-term government bonds and 90 percent in a very low-cost S&P 500 index fund," he wrote in his 2013 letter to Berkshire Hathaway shareholders.

他在2013年给伯克希尔·哈撒韦股东的信中写道：“将10％的现金用于购买政府短期债券，剩下的90％购买价格比较低的标准普尔500指数基金。

Buffett has given this advice for years. "If you invested in a very low-cost index fund — where you don't put the money in at one time, but average in over 10 years — you'll do better than 90 percent of people who start investing at the same time," Buffett said at the 2004 Berkshire Hathaway annual meeting.

巴菲特在2004年伯克希尔·哈撒韦年会给过这样的建议：“如果你投资了一个非常低成本的指数基金，而且你不是一次性投入资金，而是在10年里一点点投资，你会比90%的人赚得多。”

最后更新：2017-09-10 13:15:06

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