股神巴菲特十大致富秘籍(Warren Buffet’s 10 Rules)

天之衡

Warren Buffet’s 10 Rules



股神巴菲特十大致富秘籍

Today I had lunch at Jimmy John’s and noticed a sign on the wall that showed Warren Buffet’s list of 10 Rules. I was so moved by it that I had to change tables in the middle of my sandwich just to get a closer look. Is it any wonder that he is one of the richest men in the world?

今天我在吉姆约翰餐厅吃中饭，注意到墙上写的“股神巴菲特十大致富秘籍”。我真是被那些规则触动了，三明治吃到一半，我特意换了桌子离它近点儿好看清楚。（了解之后）我想不会有人质疑为什么他会是全世界最富有的人。

1. Reinvest your profits. “Even a small sum can turn into great wealth,” Schroeder writes, if you’re disciplined to not touch your profits. Let the power of compound interest work for you.

1. 把你现有的财富做再投资。就像史诺德写到过的那样：“再小的资金也能变成大财富”——只要你管好自己不乱花赚来的钱。要让复利（compound interest）帮你赚钱。

什么是复利？

指利息计算的基础是本金加先前累积的利息，与单利相对，后者指利息只以初始本金为计算基础。“按年复利”(compounding annually)是指当年利息只在一年结束时一次性纳入下一年的计息基础。例如，如果存入100英镑，年利率为10%，那幺一年后可获得110英镑。如果按单利方式计算，两年后可获得120英镑，三年后则是130英镑，而复利计算则将上年的利息亦纳入计息基础，即两年后可得121英镑，三年后则是 133.10英镑。相对于单利方式，三年后额外的3.10英镑利息即是复利作用的结果。

2. Be willing to be different. Don’t follow the herd. Do what is best for you and your situation.

2. 要愿意与众不同，把自己区别于芸芸众生。做对自己和自己的处境有利的事儿。

3. Never suck your thumb. Ah, how I could learn from this one. Buffett makes decisions quickly based on the available information. I tend to sit and stew about things. Acting decisively can give you an advantage and prevent procrastination.

3. 永远都别吮手指。额……这个该如何理解呢？巴菲特会根据已有的信息很快做出决定。我则倾向于坐下来、好好把事情理清楚。果断地做决定能够给你优势位置、并避免耽搁事情。

4. Spell out the deal before you start. I stress this all the time: Don’t sign a contract unless you’ve read it (especially not a mortgage). Read the fine print. Understand what you’re getting yourself into.

4. 在做交易以前一定要搞明白了。我成天为这事儿烦呢：在签合同以前一定要好好读清楚（特别当合同不是分期付款时）。条款一点一点读清楚，要知道自己正要做什么。