很多人总觉得"复利"是个遥不可及的概念，好像只属于巴菲特那样的超级投资家。但其实，复利是最公 平的财富工具，它既不挑出身，也不挑智商，只要你掌握正确的方法，哪怕手里只有10万，也有机会滚 到1000万。 不少人一拿到点钱就想去炒股、炒币，结果本金没了，复利的起点直接归零。 10万是起跑线，你要做的，是让它成为雪球的"第一层雪"。 今天，我们就来聊聊，一份普通人真正可行的"复利实战手册"。 第一步：攒下10万，守住本金 复利的前提是本金。 很多人一辈子都没开始，因为手里始终没有一笔可以投入的本金。 10万并不算多，但足以成为起点。攒10万需要的不是天才，而是节制消费、稳定积蓄。 第一步的关键心法就是：先守住本金，不要急于求成。 第二步：年化10%，普通人也能做到 很多人一说投资就想着年化50%、100%，但那不是复利，而是赌博。 真正可行的路径是：年化10%左右的收益。 10%看似不起眼，但长期坚持，效果极其惊人。 10万本金，每年10%收益，10年后就是26万。 如果持续加仓，每年再投入5万，10年后就是近百万元。 年化10%的收益，普通人完全可以通过以下方式获得： 这不是玄学，而是实践过无数次的稳健路径。 ...

来源：整理自中信出版社新书《金钱的艺术》 金钱能买到幸福吗？ 花钱能让你更开心吗？ 对于这两个问题，多数人立刻就能给到答案：当然可以。 但事实并非想象中那么简单，合作基金合伙人，畅销书作家摩根在其新书《金钱的艺术》中说到：金钱并非简单 的数字游戏，更关乎"故事"——我们对什么重要、什么能带来快乐，以及如何衡量成功的自我叙述。 我们一生都在与金钱打交道，可是我们多数人对金钱的认知却是混乱的，有些来自于父母的言传身教，有些来自 于媒体的宣传，有些来自于身边朋友的观点。金钱贯穿于我们生命的始终，可以说是我们人生中至关重要的工 具，但是奇怪的是，我们从未接受过专业的知识培训。 金钱到底是什么？是银行卡上显示的数字？还是购物车中罗列的商品？ 普通人如何赚钱？我们又该如何花钱，人生才能更自由？ 这些问题，摩根·豪泽尔的观点或许可以给到一些解答的思路。 摩根·豪泽尔并非传统的金融分析师或基金经理出身，也没有在华尔街大投行工作的经验，他对于金钱的认知完全 来自于一个普通人摸爬滚打式的探索，从19岁开始接触投资理财，到如今成为一家风险投资基金的合伙人，他的 背景反而让他对普通人的金钱行为有了更深刻、更接地气的洞察。 《金钱的艺 ...

Core Insights - The disparity in financial well-being is attributed not to income levels but to differing mindsets regarding wealth distribution [2] - Effective wealth management involves strategic allocation of income rather than merely increasing earnings [2][12] Wealth Distribution Strategy - Step 1: Assign a purpose to every penny received, avoiding impulsive spending [3] - Step 2: Avoid the trap of increasing expenses with rising income; delayed gratification is a common trait among the wealthy [5][6] - Step 3: Prioritize safety in wealth distribution, ensuring a financial cushion before investing [7] - Step 4: Allocate funds to growth-oriented investments such as mutual funds, real estate, and side businesses, emphasizing the importance of compounding returns over time [10] - Step 5: Invest in personal development, as acquiring new skills can lead to additional income sources and opportunities for wealth creation [11] Basic Wealth Allocation Model - The recommended allocation is 50% for living expenses, 20% for investments, 10% for savings, 10% for self-improvement, and 10% for enjoyment, known as the 5-2-1-1-1 wealth distribution method [8] - Maintaining a financial reserve for 3 to 6 months of living expenses and necessary insurance is crucial for financial security [9] Conclusion - The essence of wealth management lies in purposeful allocation rather than mere accumulation, transforming money into a resource for life [12]

Everyone makes mistakes with their money, even financial experts like Suze Orman. The trick is being able to learn from our errors and do better the next time. We can also learn a lot by studying other people’s missteps. Learn More: Suze Orman: These Are the 3 Biggest Mistakes You Can Make as an Investor Read Next: Here's the Minimum Salary Required To Be Considered Upper Class in 2025 So what’s Orman’s biggest investment mistake, and what can it teach us? Orman said her No. 1 regret is selling stocks “t ...

所以，当别人追风口、忙投机时， 你只要稳稳地去积累、去布局， 在这个人人想暴富的年代，炒股的、买币的、抄底的、投风口的， 一个比一个心急。 但你有没有发现—— 那些真正赚到钱的人，从不喧哗。 他们不盯盘，不冲动，不追热度， 他们只做一件事： 让钱自己生钱，让时间替他们干活。 你每天刷短视频，看别人一夜暴富， 但你不知道，那些"赚快钱"的故事， 大多只有开头，没有结局。 股市的"神话"，币圈的"造富"， 风口过后，都是一地鸡毛。 他们悄悄地把钱放进稳健的资产里， 分散投资、长期持有、吃利息、拿分红。 看似慢，实则稳；看似小，实则厚。 因为他们懂一个道理—— 钱不是靠赌赢的，而是靠熬出来的。 当别人起起落落、焦虑不安， 他们只需要看着复利一点点生根发芽。 你知道复利的魔力吗？ 它不会一夜暴富，却能在十年后让你惊讶： 原来"安静的坚持"，也能改变命运。 而真正聪明的人在干嘛？ 别怕慢，怕的是浮躁； 别羡慕别人的暴富，学会守自己的节奏。 财富从来不是冲出来的， 而是"熬"出来的。 —— 未来你会发现： 他们赚的是"热闹"， 你赚的，才是"自由"。 ...

最近博格在私域(XQ)里发了征集稿，毕竟私域已经运营快10年了。 要求：不限时间，不限字数，不限金额 主要是不同时点加入私域的朋友，一起聊聊投资感受，也是对自己投资的一个回顾总结。 投稿人：卡卡（化名），以下为投稿内容，所有内容没有作任何修改。 大概是15、16年吧，我还在读研究生。 知乎日报里看到了XX老师写的投资理财相关文章，文章中用简单的模型量化了投资开始时间点、投资收益率对一个人财富的巨大影响，让我感 受到人力资本增值的不可持续性和投资理财的重要性。这算是我的投资理财启蒙了，之后我积极学习各类投资理财知识，对躺着赚钱、复利奇 迹、定投十年赚十倍等表述乐此不疲。 虽然后来证明想通过投资暴富真的很难，但这段时间还算有体系的学习为我后续的投资生涯提供了很大助力。 16年2月我第一次试水偏股基金。 定投了两支基金，一支是XX合润，一支是XX沪深300，用了支付宝智能定投策略，根据500日均线低了多投，高了少投。大概10个月赚了百分之 20左右清仓了。 --------------------------------- | 买入产品 | 兴全合润分级混合 > | | --- | --- | | 买入金额 ● | ...

利息计算方式这笔利息3750元是如何算出来的呢？简单来说，就是本金×利率×存期。 按年利率1.25%计算的话，10万元×1.25%×3年=3750元，刚好符合实际。 这里要注意，如果选择整存整取，每年的利息固定；如果选择利息复投，每年的利息还可以滚动产生新利息，但收益增长幅度不会特别大。 所以在存款前，要考虑自己是想稳稳收利息，还是希望利息再投资产生复利。 税收影响银行定期利息是需要缴纳利息税的，个人存款利息所得税为20%，但实际操作中，银行在到期发放利息时已经扣税。 以这笔3750元利息为例，扣20%税后，实际到手利息是3000元左右。 虽然税后利息稍低，但安全和稳定是最大的保障。 "你说啊，银行存款利息现在怎么样？我最近存了10万三年定期，到期利息3750元，感觉有点低。"小张坐在茶几旁，一边翻着银行存折，一边和朋友唠 嗑。"哦，这个算下来利率也不算太高，但也算稳妥的选择。"朋友喝了口茶，接着说道，"三年3750元，税前算利率也差不多3.75%，比活期利息高得多，但 比投资收益低一些。" 定期存款的稳妥性银行定期存款的最大优势就是安全。10万元存三年，到期固定利息3750元，这意味着本金基本不会受损。对于 ...

Core Viewpoint - The essence of investing lies in overcoming human emotions of greed and fear, emphasizing the importance of patience and common sense in wealth accumulation [4][11][19]. Group 1: The Power of Compounding - Compounding is often misunderstood but is a powerful tool for wealth growth, with the "72 Rule" allowing investors to estimate how long it will take for their money to double based on annual returns [6][7]. - For example, an annual return of 5% takes approximately 14.4 years to double, while 8% only takes about 9 years [7]. - A historical case illustrates the power of compounding: Benjamin Franklin's $5,000 gift grew to $2 million after 200 years due to compounding [10]. Group 2: Investment Strategies - The best investment approach is often the simplest, with a focus on index funds and dollar-cost averaging to mitigate emotional decision-making [19][32]. - Investors should diversify their portfolios to include various asset classes, such as stocks, bonds, and cash reserves, to manage risk effectively [23][25]. - Regular rebalancing of the portfolio helps maintain desired asset allocation and counteracts emotional biases during market fluctuations [27][30]. Group 3: Personal Development as Investment - Investing in oneself yields the highest returns, with activities such as reading, skill acquisition, and maintaining health contributing to long-term wealth and opportunity [33][41]. - The journey to wealth is straightforward: save money, start investing in index funds, maintain discipline, and continuously improve personal knowledge and skills [39].

Group 1 - The core idea of the article emphasizes that wealth management is not merely a "hard science" but a game against human weaknesses, highlighting the importance of understanding one's own greed and fear to achieve financial success [2][3] - Long-termism is identified as the key to wealth accumulation, illustrated by contrasting cases of individuals who succeeded through patience versus those who failed due to greed [4][5] - The article discusses the psychological aspects of investing, noting that 80% of investment success is determined by behavior rather than technical skills, and emphasizes the need to embrace pain as part of the investment journey [6][7] Group 2 - The concept of "margin of safety" is introduced as a crucial element for ensuring that compounding returns are not interrupted, advocating for a diversified approach to investments and income sources [8][9] - The article highlights the significance of "tail events," which are rare but impactful occurrences that can drive substantial returns, underscoring the need for a high tolerance for errors in investment strategies [10][11] - It concludes that true wealth is defined by time freedom, encouraging individuals to embrace pain in the pursuit of wealth while also seeking to achieve happiness and mental freedom through financial means [12][13]

Group 1 - The article emphasizes the advantages of investing in ETFs as a simpler strategy compared to individual stock picking, highlighting the common struggles of retail investors such as difficulty in stock selection, unstable mindset, and lack of time [1][2] - ETFs provide risk diversification through a basket of stocks, reducing the impact of individual company failures, as exemplified by the CSI 300 ETF covering 300 leading companies [1][2] - The article points out the cost-effectiveness of ETFs, with management fees typically below 0.5%, compared to actively managed funds which average around 1.5% [1][2] Group 2 - The article discusses the compounding effect of ETFs, illustrating that a monthly investment of 1,000 yuan at an annual return of 8% can grow to approximately 1.45 million yuan over 30 years [2] - Historical data shows that the CSI 300 index has achieved an annualized return of 8.2% over the past 15 years, even during market downturns [2] - The CSI 300 ETF includes major companies across various sectors, with the top ten holdings accounting for less than 30% of the index, minimizing the impact of any single company's volatility [2] Group 3 - The Nasdaq 100 ETF focuses on 100 non-financial tech giants in the US, achieving an annualized return of 12% over the past 20 years despite market fluctuations [3] - The low correlation between the Nasdaq 100 and A-shares provides a risk diversification benefit, as evidenced by the Nasdaq's recovery in 2023 after a downturn in 2022 [3] Group 4 - The article mentions that investing in ETFs may involve currency risk, but this has a minimal long-term impact on compounding [4] - It suggests that the allocation to such ETFs should not exceed 30%, positioning them as an aggressive part of an investment portfolio [5] Group 5 - Dividend-focused ETFs are characterized by stable businesses and strong cash flows, providing consistent dividends even during market downturns [6] - The article highlights the valuation advantage of dividend assets, with the CSI Dividend Index trading at a price-to-book ratio of approximately 0.8, compared to 1.3 for the CSI 300 [6] - Reinvesting dividends can significantly enhance compounding, with a 10-year cumulative return potentially exceeding cash dividends by 62% [6] Group 6 - The article recommends a "core-satellite" strategy for asset allocation: 50% in CSI 300 ETF, 30% in Nasdaq 100 ETF, and 20% in CSI Dividend ETF, balancing growth and defensive positions while diversifying geographic risks [6] - It advises against emotional trading behaviors, such as chasing high-performing ETFs during market surges or panic selling during downturns [6] Group 7 - Dollar-cost averaging is presented as a practical method to mitigate volatility, with historical backtesting indicating that investing in the CSI 300 ETF for over 10 years can yield an annualized return close to 8% [7] - The article suggests using a grid strategy for idle funds, adjusting positions based on market fluctuations [7] - Caution is advised during high valuation phases, and investors should avoid illiquid ETFs with low trading volumes [7]