華爾街的賺錢經(jīng) 第28期:投資捷徑與陷阱(6)

00:00

00:00

MP3下載 文本下載

https://online2.tingclass.net/lesson/shi0529/0009/9452/28.mp3

https://image.tingclass.net/statics/js/2012

So, what should you definitely not do?

你絕對(duì)不該做的又是什么呢?

Don't Bury Your Money in the Backyard

不要把錢埋在后院里

With things the way they are, it's tempting to simply opt out altogether. Fear of financial-system failure, the uncertain nature of the stock market and just a sense of foreboding have people thinking that it's smarter to keep their money in the backyard, a mattress or an empty can.But it really isn't. The bank-insurance system works for holdings under $250, 000. I know because my bank once failed , and the transfer of assets was seamless. So, at least keep your cash in certificates of deposit earning some sort of return. An overabundance of fear and caution can cost you money; don 't let that happen to you.

考慮到現(xiàn)在的形勢(shì)，人們可能很容易會(huì)想干脆什么也不投了。對(duì)金融體系失靈的擔(dān)心，股市不確定的本性，甚至只是一種不祥之感，這些都會(huì)讓人們認(rèn)為把錢放在后院、床墊或空罐子里要更明智一些。不過(guò)這卻是大錯(cuò)特錯(cuò)了。銀行保險(xiǎn)體系對(duì)低于25萬(wàn)美元的資產(chǎn)是能起作用的。我知道這點(diǎn)，因?yàn)槲夜ぷ鞯你y行倒閉了，而資產(chǎn)卻實(shí)現(xiàn)了“無(wú)縫”轉(zhuǎn)移。因此，至少把現(xiàn)金放到定存單中還能獲得一些收益。過(guò)于小心謹(jǐn)慎或擔(dān)心害怕會(huì)讓你的金錢受到損失，不要讓這點(diǎn)發(fā)生在你的身上。

Don't Chase Returns

不要追逐回報(bào)

This is a great temptation in any market, but especially so today. Bonds had a great run last year, but some analysts believe they may just be the next bubble waiting to burst

這在任何市場(chǎng)上都有很大的誘惑力，但在眼下就更為明顯。債券去年大幅上揚(yáng)，但一些分析師認(rèn)為這可能是下一個(gè)等待破滅的泡沫。