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薪水不高，怎麼投資自己？來看看沃倫·巴菲特給你建議！

如今，工資增長怎麼也趕不上飛漲的房價、物價。

即便是辛苦到手的工資，似乎也逃脫不了貶值的命運，這年頭，不做點投資，隻能看著荷包越來越癟，個人財富縮水。

關於投資，巴菲特曾說過這麼一段話：

如同登山，如果想要登頂，最明智的做法是跟隨之前成功登頂的先輩的足跡。同樣，如果你要投資，那麼最好聽從巴菲特的投資建議，這樣的話投資成功的幾率會呈指數級增長。---沃倫·巴菲特

那麼，投資有哪些門道呢？一起來看看巴菲特給年輕人的8條投資建議！

1Never Lose Money

不要虧錢

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.

巴菲特最廣為人知的投資建議是：“ 規則1：永遠不要虧錢。規則2：永遠不要忘記規則1。” 如果你正苦苦掙紮在投資虧損的狀態，那麼會很難回本，更談不上獲利了。

2Get High Value at a Low Price

低進高賣

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，巴菲特曾給伯克希爾·哈撒韋股東們寫過一封信，在這份信中，巴菲特還分享了另一個關鍵原則：“價格是所付金額，而價值是所得收益。”如果買的東西不值所得收益，那麼就時虧錢買賣——例如支付高額的信用卡債務利息或花錢買很少用的東西。

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.

巴菲特一直過著樸素的生活，並尋求機會在低價時買進，得到更多收益。“無論是買襪子還是股票，我都喜歡在價格走低的時候買進。”

3Form Healthy Money Habits

養成良好的理財習慣

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，在佛羅裏達大學一次演講中，巴菲特說：“大多數行為都是習慣性的，往往這些習慣難以感知到，但會越來越根深蒂固，難以打破。”所以要學會培養積極的投資習慣，戒掉那些會導致虧損的習慣。

4Avoid Debt, Especially Credit Card Debt

避免債務，特別是信用卡債

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."

巴菲特一點點積聚財富，而不是像大多數美國人那樣借錢過日子，再支付高昂利息。巴菲特1991年在聖母大學的一次演講中說：“我看到太多人因為酒和借錢過日子而生活失敗。” “在這世界上，人真的不該借錢過日子，如果你夠聰明，會賺很多錢，根本不需借錢。”

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."

巴菲特特別警惕信用卡。他的建議是能不用信用卡就不用。 巴菲特曾說：“信用卡利率非常高 “有時候利率是18％，有時候是20％，如果我要支付18％或20％的利息，我肯定會破產的。”

5Keep Cash On Hand

手頭持有流動現金

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.

保證安全的另一個關鍵是始終保持現金儲備。巴菲特在2014年伯克希爾·哈撒韋年度報告中曾說：“我們的現金等價物必須不少於200億美元，往往比這個數字要多得多。”

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."

企業和個人都渴望有流動資金來做投資。 巴菲特說：“在生意場上，現金就好比氧氣之於人一樣重要。擁有現金的時候，可能不會想到它，但是一旦緊缺，腦子裏就滿是它。賬單到期時，隻有現金能做償付，所以出門時，一定要帶上現金。

6Invest in Yourself

投資自己

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上撰文說：“盡可能投資自己，你就是你自己最大的資產。” 後來他在CNBC的采訪中又說到：“任何增加自身才華的努力都會讓你更有價值，讓你實際購買力變得更強。”

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."

這些回報是巨大的。 巴菲特說：“投資自己，會讓你有10倍收益。” 與其他資產和投資不同，如果投資自己，沒有人能向你自己征稅，也沒人能從你身上搶走收益。

7Learn About Money

了解理財

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.

投資自己，要多多了解資金管理。 作為投資者，巴菲特的大部分在於限製曝光，減少風險。 據《福布斯》消息，巴菲特曾說過：“風險在於你不了解正在做的事情。如果你對個人理財了解得越多，你就越能減少風險，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."

巴菲特這句名言告訴人們要多多了解個人理財。 正如巴菲特的合作夥伴查理·芒格所言：“每天睡前要比當天醒來時更加聰明。”

8Trust a Low-Cost Index Fund

購買指數基金

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.

雖然巴菲特的大部分智慧和建議頗有哲學意味，但他還是給出了人人都可操作，可運用的建議，比如：巴菲特建議普通投資者購買指數基金。

"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年給伯克希爾·哈撒韋股東的信中寫道：“將10％的現金用於購買政府短期債券，剩下的90％購買價格比較低的標準普爾500指數基金。

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年伯克希爾·哈撒韋年會給過這樣的建議：“如果你投資了一個非常低成本的指數基金，而且你不是一次性投入資金，而是在10年裏一點點投資，你會比90%的人賺得多。”

最後更新：2017-09-10 13:15:06

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