00696 2026年 投資第一堂課『價值十億元的投資講座』第三章 2026年5月7日 (128kbit_AAC)

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語音筆記：00696 2026年投資第一堂課『價值十億元的投資講座』第三章 2026年5月7日 (128kbit_AAC)

[0:00:00,000 – 0:00:07,320]大家好,這裡是CRC投資理財頻道

[0:00:07,320 – 0:00:11,200]今天是2026年5月7日

[0:00:11,200 – 0:00:20,560]我們今天要講的一樣是投資第一堂課價值10億元的投資講座

[0:00:20,560 – 0:00:22,560]今天講第三章

[0:00:22,560 – 0:00:36,560]在開始之前,我讓你們看一下今天市場上漲的有點還不錯

[0:00:36,560 – 0:00:44,560]你看這個QQQ可以漲2%

[0:00:44,560 – 0:00:48,560]指數漲2%是相當少見的

[0:00:48,560 – 0:00:52,560]所以市場會一直漲不停

[0:00:52,560 – 0:00:54,560]所以這個大家一定要知道

[0:00:54,560 – 0:00:56,560]不要猶豫

[0:00:56,560 – 0:01:00,560]在市場裡麵要買進就是立即市價買進

[0:01:00,560 – 0:01:03,560]最近太多朋友一直在問老師

[0:01:03,560 – 0:01:08,560]我現在漲我要買槓桿基金我是不是等下跌再買

[0:01:08,560 – 0:01:12,560]我資產配置433我是不是在

[0:01:12,560 – 0:01:17,560]或者是大家知道資產配置不是這麼重要

[0:01:17,560 – 0:01:19,560]大概就好

[0:01:19,560 – 0:01:21,560]很簡單就好

[0:01:21,560 – 0:01:23,560]也不用配槓桿基金

[0:01:23,560 – 0:01:25,560]重點是要立即馬上

[0:01:25,560 – 0:01:29,560]有錢就買立即馬上市價買進

[0:01:29,560 – 0:01:31,560]單筆就買完就好了

[0:01:31,560 – 0:01:35,560]重點是打死不賣就好了

[0:01:35,560 – 0:01:41,560]先開場先大家知道現在市場你不能等待

[0:01:41,560 – 0:01:43,560]好

[0:01:43,560 – 0:01:47,560]這個我們第三章

[0:01:47,560 – 0:01:52,560]第三章這個重點就是我們今天要講的就是資產配置

[0:01:52,560 – 0:01:55,560]資產配置現金是空氣

[0:01:55,560 – 0:01:58,560]所以你一直猶豫要不要買進去

[0:01:58,560 – 0:02:00,560]你不如留足夠的現金

[0:02:00,560 – 0:02:02,560]你認為安心的現金部位

[0:02:02,560 – 0:02:05,560]其他就是立即市價買進就好了

[0:02:05,560 – 0:02:08,560]所以資產配置

[0:02:08,560 – 0:02:11,560]其實是點綴了是點綴了

[0:02:11,560 – 0:02:17,560]重點是你大概模糊正確資產配置做好了就趕快下去了

[0:02:17,560 – 0:02:19,560]就這樣子

[0:02:19,560 – 0:02:25,560]那我們一路走來從2018年公開開始上課到現在

[0:02:25,560 – 0:02:28,560]都是見到大家立即市價買進

[0:02:28,560 – 0:02:33,560]那其他的你要分批那也是你自己的事情

[0:02:33,560 – 0:02:34,560]然後

[0:02:34,560 – 0:02:37,560]當然你覺得分批會比較舒服

[0:02:37,560 – 0:02:40,560]可是分批就是績效比較差

[0:02:40,560 – 0:02:44,560]就是已經是學術上都已經證明過了

[0:02:44,560 – 0:02:47,560]重點不在於這個分批

[0:02:47,560 – 0:02:50,560]重點應該要立即市價單筆買進

[0:02:50,560 – 0:02:56,560]那你只是說要買進的要立即馬上買進

[0:02:56,560 – 0:02:59,560]剩下的你如果擔心市場的波動

[0:02:59,560 – 0:03:01,560]你就留現金就好了

[0:03:01,560 – 0:03:02,560]就這樣子

[0:03:02,560 – 0:03:04,560]資產配置

[0:03:04,560 – 0:03:08,560]最重點就是為什麼要資產配置

[0:03:08,560 – 0:03:11,560]資產配置最重要的就是要活著了

[0:03:11,560 – 0:03:13,560]就是說市場

[0:03:13,560 – 0:03:15,560]你要每天都要想一件事情

[0:03:15,560 – 0:03:24,560]就是市場明天就會跌掉80%跌掉20%或市場明天腰斬

[0:03:24,560 – 0:03:33,560]或者是突然之間這個地球上有人發射核彈

[0:03:33,560 – 0:03:38,560]突然之間整個市場停止了

[0:03:38,560 – 0:03:42,560]那這個意外比明天早到

[0:03:42,560 – 0:03:47,560]還有今天我看到一個郵件

[0:03:47,560 – 0:03:53,560]有一個朋友他爸爸昨天中風

[0:03:53,560 – 0:03:59,560]那腦部就是就是腦中風

[0:03:59,560 – 0:04:05,560]後來醫生說那個大動脈可能要裝支架

[0:04:05,560 – 0:04:09,560]那差不多臺幣100萬左右

[0:04:09,560 – 0:04:12,560]那你如果沒有現金

[0:04:12,560 – 0:04:13,560]那你怎麼辦

[0:04:13,560 – 0:04:16,560]那你如果市場又下跌

[0:04:16,560 – 0:04:18,560]你怎麼辦

[0:04:18,560 – 0:04:20,560]你如果市場

[0:04:20,560 – 0:04:24,560]你有意外需要拿一筆錢

[0:04:24,560 – 0:04:26,560]還有現在市場是上漲

[0:04:26,560 – 0:04:30,560]那你可能還可以去質押借款

[0:04:30,560 – 0:04:32,560]那如果現在市場剛好跌掉八成

[0:04:32,560 – 0:04:34,560]那你又意外來了

[0:04:34,560 – 0:04:36,560]那你又沒留現金

[0:04:36,560 – 0:04:37,560]那你怎麼辦

[0:04:37,560 – 0:04:44,560]所以為什麼我一直苦口婆心的跟大家講

[0:04:44,560 – 0:04:46,560]你一定要留足夠現金

[0:04:46,560 – 0:04:51,560]因為你不知道意外跟明天哪一個會先到

[0:04:51,560 – 0:04:53,560]那很多人會講啊

[0:04:53,560 – 0:04:55,560]留現金就沒效率啊

[0:04:55,560 – 0:04:57,560]對我也知道

[0:04:57,560 – 0:05:03,560]可是你是想要平穩的度過

[0:05:03,560 – 0:05:07,560]還是要加速前進

[0:05:07,560 – 0:05:10,560]而冒著可能出車禍

[0:05:10,560 – 0:05:14,560]或可能整個船會沉下去的風險

[0:05:14,560 – 0:05:24,560]我想大家應該要安全抵達目的地為主要的資產配置的設計

[0:05:25,560 – 0:05:28,560]還有常常有人要來問老師

[0:05:28,560 – 0:05:30,560]我這樣資產配置可不可以

[0:05:30,560 – 0:05:32,560]我那樣資產配置可不可以

[0:05:32,560 – 0:05:35,560]其實資產配置是蠻個人化的

[0:05:35,560 – 0:05:38,560]我們跟大家講大概就這樣子

[0:05:38,560 – 0:05:41,560]可是我只會跟你講

[0:05:41,560 – 0:05:43,560]這辣椒很辣

[0:05:43,560 – 0:05:46,560]那這個醋有點酸

[0:05:46,560 – 0:05:48,560]這個糖是甜的

[0:05:48,560 – 0:05:51,560]那這個鹽巴是鹹的

[0:05:51,560 – 0:05:55,560]那醬油是香的又鹹的

[0:05:55,560 – 0:05:57,560]等等等

[0:05:57,560 – 0:05:59,560]那你要加多少

[0:05:59,560 – 0:06:01,560]每個人都不一樣

[0:06:01,560 – 0:06:03,560]所以你資產配置我大概給你知道

[0:06:03,560 – 0:06:05,560]哪些指數

[0:06:05,560 – 0:06:08,560]它的成長率是多少

[0:06:08,560 – 0:06:14,560] QQQI的股息配發股息結率率是多少

[0:06:14,560 – 0:06:22,560]那現金就是央行的隔夜財款利率

[0:06:22,560 – 0:06:32,560]那QQQ成長率年化報酬差不多12到15%

[0:06:32,560 – 0:06:41,560] QQQI這個股息差不多一個月1%

[0:06:41,560 – 0:06:43,560]就這樣

[0:06:43,560 – 0:06:45,560]所以大概

[0:06:45,560 – 0:06:48,560]那你自己開始因為這些調味料

[0:06:48,560 – 0:06:50,560]因為這些主菜配菜

[0:06:50,560 – 0:06:52,560]那你就自己配

[0:06:52,560 – 0:06:54,560]配出你所需要的

[0:06:54,560 – 0:06:57,560]所以每個人都資產配置都不一樣

[0:06:57,560 – 0:07:02,560]你不應該問你要什麼樣資產配置

[0:07:02,560 – 0:07:05,560]就好像你喫牛肉麵

[0:07:05,560 – 0:07:06,560]你喫麵

[0:07:06,560 – 0:07:09,560]你不會來問我說

[0:07:09,560 – 0:07:11,560]老師我要加多少辣椒

[0:07:11,560 – 0:07:13,560]要加幫我加醋

[0:07:13,560 – 0:07:16,560]你幫我加鬍椒粉

[0:07:16,560 – 0:07:17,560]不會嘛

[0:07:17,560 – 0:07:21,560]所以你要我幫你配資產配置

[0:07:21,560 – 0:07:25,560]我其實不應該幫你做了

[0:07:25,560 – 0:07:31,560]因為你要知道每一個調味料的作用

[0:07:31,560 – 0:07:34,560]那你要自己調配

[0:07:34,560 – 0:07:39,560]我們這裡會談兩個資產配置

[0:07:39,560 – 0:07:42,560]一個就是還在上班的人的資產配置

[0:07:42,560 – 0:07:46,560]還有已經退休的人需要現金流的資產配置

[0:07:46,560 – 0:07:48,560]那今天大概

[0:07:48,560 – 0:07:54,560]我不會像過去我們這個幾百部影片

[0:07:54,560 – 0:07:57,560]講投資理財資產配置

[0:07:57,560 – 0:07:58,560]槓桿基金

[0:07:58,560 – 0:07:59,560]還有什麼聰明

[0:07:59,560 – 0:08:00,560]這些都不談了

[0:08:00,560 – 0:08:04,560]因為太過於複雜了

[0:08:04,560 – 0:08:07,560]那一般人是不需要

[0:08:07,560 – 0:08:09,560]一般人不需要

[0:08:09,560 – 0:08:12,560]你們如果想要多知道一點

[0:08:12,560 – 0:08:14,560]那當然你就自己去學

[0:08:14,560 – 0:08:16,560]那不然的話

[0:08:16,560 – 0:08:21,560]今天這個資產配置應該是適合99.99%的人

[0:08:21,560 – 0:08:23,560]就可以很簡單

[0:08:23,560 – 0:08:27,560]模糊的正確就可以用了

[0:08:27,560 – 0:08:33,560]我希望簡單纔是正確的解答方案

[0:08:34,560 – 0:08:37,560]我們人生就不應該太複雜

[0:08:37,560 – 0:08:40,560]你任何事情不用太複雜

[0:08:40,560 – 0:08:41,560]也不用擔心

[0:08:41,560 – 0:08:43,560]也不用煩惱

[0:08:43,560 – 0:08:49,560]那不用想未來一個小時後的事

[0:08:49,560 – 0:08:53,560]過去已經發生的就給它放掉

[0:08:53,560 – 0:08:57,560]還有最近比較多的

[0:08:57,560 – 0:09:01,560]就是有些太太做投資

[0:09:01,560 – 0:09:07,560]那先生知道了就很生氣

[0:09:07,560 – 0:09:09,560]還提要離婚

[0:09:09,560 – 0:09:12,560]這個都不好

[0:09:12,560 – 0:09:16,560]如果你發現你先生或者你的配偶

[0:09:16,560 – 0:09:18,560]或者你的父母

[0:09:18,560 – 0:09:22,560]對你的投資非常反應激烈

[0:09:22,560 – 0:09:26,560]那你要做的一件事情就是

[0:09:26,560 – 0:09:29,560]不要跟他談投資了

[0:09:29,560 – 0:09:31,560]第二件事情就是

[0:09:31,560 – 0:09:34,560]他如果說你現在要賣掉

[0:09:34,560 – 0:09:37,560]比如說三月大跌的時候

[0:09:37,560 – 0:09:40,560]那當然那些不同意你投資的人會叫你

[0:09:40,560 – 0:09:42,560]你現在趕快賣掉

[0:09:42,560 – 0:09:44,560]你不賣掉我要跟你離婚

[0:09:44,560 – 0:09:50,560]你唯一的回答不是跟他爭辯

[0:09:50,560 – 0:09:53,560]我們跟大家講不要爭辯

[0:09:53,560 – 0:09:54,560]你回答就是說

[0:09:54,560 – 0:09:55,560]好好好

[0:09:55,560 – 0:09:57,560]我會做

[0:09:58,560 – 0:10:01,560]那你做不做再說吧

[0:10:01,560 – 0:10:06,560]你口頭上表麵上都要說是好

[0:10:06,560 – 0:10:08,560]你是對的

[0:10:08,560 – 0:10:10,560]就這樣

[0:10:10,560 – 0:10:13,560]那因為你的帳戶他又看不到

[0:10:13,560 – 0:10:16,560]所以他覺得你都聽他的話了就好了

[0:10:16,560 – 0:10:20,560]等到你有上億資產的時候

[0:10:20,560 – 0:10:23,560]我想他也不會再找你離婚了

[0:10:23,560 – 0:10:25,560]所以

[0:10:25,560 – 0:10:27,560]有時候不要起衝突

[0:10:27,560 – 0:10:30,560]你不要一直在他前麵想要教他

[0:10:30,560 – 0:10:33,560]或者想要改變他

[0:10:33,560 – 0:10:35,560]不容易

[0:10:35,560 – 0:10:37,560]所以

[0:10:37,560 – 0:10:40,560]那個固化的思維

[0:10:40,560 – 0:10:42,560]你要去改變他沒有

[0:10:42,560 – 0:10:44,560]不用

[0:10:44,560 – 0:10:46,560]我們不要去改變別人

[0:10:46,560 – 0:10:47,560]你就做你的事

[0:10:47,560 – 0:10:52,560]甚至有時候我說夫妻之間要碎碎念

[0:10:52,560 – 0:10:55,560]可是你如果一念他就開始發飆了

[0:10:55,560 – 0:10:57,560]那就開始準備要離婚了

[0:10:57,560 – 0:10:58,560]那就不要了

[0:10:58,560 – 0:11:01,560]那這個就避免這件事情

[0:11:01,560 – 0:11:03,560]避免衝突很重要

[0:11:03,560 – 0:11:04,560]避免衝突

[0:11:04,560 – 0:11:05,560]那你就說好

[0:11:05,560 – 0:11:06,560]同意沒錯

[0:11:06,560 – 0:11:07,560]你說的好

[0:11:07,560 – 0:11:10,560]就這樣

[0:11:10,560 – 0:11:14,560]有時候表麵功夫做好就好了

[0:11:14,560 – 0:11:16,560]那有時候有的父母說

[0:11:16,560 – 0:11:17,560]哎呀

[0:11:17,560 – 0:11:21,560]我很擔心你去借信貸或房貸去投資

[0:11:21,560 – 0:11:23,560]那長輩的擔心

[0:11:23,560 – 0:11:26,560]你要知道他是實實在在的擔心

[0:11:26,560 – 0:11:28,560]所以

[0:11:28,560 – 0:11:30,560]你可以去借錢投資

[0:11:30,560 – 0:11:34,560]可是你在他表麵上你還是要跟他講

[0:11:34,560 – 0:11:35,560]好的沒錯

[0:11:35,560 – 0:11:37,560]我會小心

[0:11:37,560 – 0:11:39,560]那可能就不借了

[0:11:39,560 – 0:11:41,560]那你實際還是去借了

[0:11:41,560 – 0:11:45,560]只是說一定要讓父母親安心

[0:11:45,560 – 0:11:50,560]不要一直強迫他接受你的觀念

[0:11:51,560 – 0:11:53,560]好

[0:11:53,560 – 0:11:55,560]免責聲明瞭

[0:11:55,560 – 0:11:58,560]這個我們都不是專業的投資顧問

[0:11:58,560 – 0:12:00,560]也不是專業的稅務人員

[0:12:00,560 – 0:12:05,560]所有的投資都有可能在短期波動中損失

[0:12:05,560 – 0:12:06,560]大家一定要理解

[0:12:06,560 – 0:12:08,560]自己學習

[0:12:08,560 – 0:12:09,560]自己決定

[0:12:09,560 – 0:12:11,560]自己負責

[0:12:11,560 – 0:12:12,560]好

[0:12:12,560 – 0:12:16,560]這裡我們講的現金是空氣

[0:12:16,560 – 0:12:17,560]投資要活著

[0:12:17,560 – 0:12:20,560]所以不管你是什麼樣的資產配置

[0:12:20,560 – 0:12:21,560]你一定要有現金

[0:12:21,560 – 0:12:23,560]現金一定要

[0:12:23,560 – 0:12:25,560]因為下一秒鐘

[0:12:25,560 – 0:12:29,560]你可能需要100萬的醫療費用

[0:12:29,560 – 0:12:31,560]所以還在上班的

[0:12:31,560 – 0:12:33,560]因為你可能還年輕

[0:12:33,560 – 0:12:36,560]可能還有爸爸媽媽

[0:12:36,560 – 0:12:41,560]那你留半年的到一年的生活費

[0:12:41,560 – 0:12:46,560]其他的就立即馬上全部買進QQQ

[0:12:46,560 – 0:12:48,560]臺灣就是0066

[0:12:48,560 – 0:12:50,560]中國就是513100

[0:12:50,560 – 0:12:53,560]最近中國很多朋友來談

[0:12:53,560 – 0:12:55,560]就是有場內場外的問題

[0:12:55,560 – 0:12:57,560]我還是再講一下

[0:12:57,560 – 0:12:59,560]你最好買場內的

[0:12:59,560 – 0:13:01,560]那場內有議價沒關係

[0:13:01,560 – 0:13:03,560]不要再來問議價的事情了

[0:13:03,560 – 0:13:04,560]好不好

[0:13:04,560 – 0:13:06,560]議價不要理會

[0:13:06,560 – 0:13:09,560]你就是議價立即市價買進

[0:13:09,560 – 0:13:11,560]他可能議價一輩子

[0:13:11,560 – 0:13:13,560]二十幾二十年都會議價的

[0:13:13,560 – 0:13:15,560]你為了議價不買

[0:13:15,560 – 0:13:17,560]那他一直漲啊

[0:13:17,560 – 0:13:19,560]你為了議價10%你不買

[0:13:19,560 – 0:13:21,560]最後來漲翻倍了

[0:13:21,560 – 0:13:24,560]你還在等議價縮減

[0:13:24,560 – 0:13:25,560]沒辦法了

[0:13:25,560 – 0:13:27,560]議價10%

[0:13:27,560 – 0:13:31,560]可是他永遠都議價市場漲100%

[0:13:31,560 – 0:13:33,560]你也是賺100%

[0:13:33,560 – 0:13:37,560]議價跟獲利就沒有關係

[0:13:37,560 – 0:13:40,560]不要因小失大

[0:13:40,560 – 0:13:42,560]那有的人就很奇怪了

[0:13:42,560 – 0:13:45,560]老是國內有議價

[0:13:45,560 – 0:13:47,560]那我是不是去香港

[0:13:49,560 – 0:13:50,560]不要了

[0:13:50,560 – 0:13:52,560]你就連議價小事情

[0:13:52,560 – 0:13:55,560]你就不願意去克服了

[0:13:55,560 – 0:13:57,560]你去香港何必呢

[0:13:58,560 – 0:14:00,560]臺語說

[0:14:03,560 – 0:14:05,560]得果倒菜兜

[0:14:05,560 – 0:14:08,560]就是多此一舉

[0:14:09,560 – 0:14:12,560]還有的人因為說老師

[0:14:12,560 – 0:14:15,560]那個這個這個這個

[0:14:15,560 – 0:14:18,560]場外的沒有交易費用

[0:14:18,560 – 0:14:20,560]場內的有交易費用

[0:14:20,560 – 0:14:23,560]我是買場內的場外的嗎

[0:14:23,560 – 0:14:26,560]那場外的又有限額

[0:14:26,560 – 0:14:28,560]那你要什麼都要好

[0:14:28,560 – 0:14:29,560]又要馬兒好

[0:14:29,560 – 0:14:31,560]又要馬兒不喫草

[0:14:31,560 – 0:14:32,560]怎麼可能

[0:14:32,560 – 0:14:33,560]那就說啊

[0:14:33,560 – 0:14:37,560]我這個很很很介意這個手續費

[0:14:37,560 – 0:14:39,560]我去香港開戶嗎

[0:14:39,560 – 0:14:40,560]你看吧

[0:14:40,560 – 0:14:44,560]這個就是腦袋不清楚

[0:14:44,560 – 0:14:46,560]腦袋不清楚

[0:14:46,560 – 0:14:49,560]這個為了一點點小費用

[0:14:49,560 – 0:14:51,560]要跑去香港開戶

[0:14:51,560 – 0:14:52,560]你又沒有覺得

[0:14:52,560 – 0:14:55,560]這些人到底的腦袋在想什麼

[0:14:55,560 – 0:14:59,560]所以大家要記得人生沒這麼複雜

[0:14:59,560 – 0:15:01,560]投資也沒這麼簡單

[0:15:01,560 – 0:15:03,560]就是最好的解答

[0:15:03,560 – 0:15:06,560]你當你如果有件事情

[0:15:06,560 – 0:15:10,560]你在中國或者你在臺灣

[0:15:10,560 – 0:15:12,560]那你買進

[0:15:12,560 – 0:15:15,560]什麼樣的買進最方便

[0:15:15,560 – 0:15:17,560]你就用什麼樣的方式買

[0:15:17,560 – 0:15:21,560]不要考慮費用手續費這個事情

[0:15:21,560 – 0:15:23,560]那個都不值得你去考慮

[0:15:23,560 – 0:15:27,560]就是立即市價可以買到的

[0:15:27,560 – 0:15:29,560]就對了

[0:15:29,560 – 0:15:31,560]所以我們做任何事情

[0:15:31,560 – 0:15:33,560]買賣都一樣

[0:15:33,560 – 0:15:34,560]立即市價

[0:15:34,560 – 0:15:36,560]買進

[0:15:36,560 – 0:15:39,560]你賣房子也是一樣

[0:15:39,560 – 0:15:40,560]立即市價賣出

[0:15:40,560 – 0:15:42,560]有人出價你就賣

[0:15:42,560 – 0:15:43,560]就這麼簡單

[0:15:43,560 – 0:15:46,560]那你說那這樣我都多虧20%

[0:15:46,560 – 0:15:49,560]多虧20%就20%

[0:15:49,560 – 0:15:51,560]你看這個市場一漲

[0:15:51,560 – 0:15:54,560]一個月就漲20%了

[0:15:54,560 – 0:15:55,560]對不對

[0:15:55,560 – 0:15:58,560]所以你越計較

[0:15:58,560 – 0:16:00,560]你損失會越多

[0:16:00,560 – 0:16:01,560]無論在人生上麵

[0:16:01,560 – 0:16:03,560]或者是在投資上麵

[0:16:03,560 – 0:16:05,560]你越考慮越多

[0:16:05,560 – 0:16:07,560]絕對是失敗的

[0:16:07,560 – 0:16:09,560]絕對是錯誤的

[0:16:09,560 – 0:16:11,560]我還是跟大家講一下

[0:16:11,560 – 0:16:13,560]人生沒有那麼難

[0:16:13,560 – 0:16:17,560]所有有的東西該放掉就放掉

[0:16:17,560 – 0:16:19,560]該犧牲就犧牲

[0:16:19,560 – 0:16:23,560]那個都你越喫虧

[0:16:23,560 – 0:16:25,560]你越佔便宜

[0:16:25,560 – 0:16:31,560]這個絕對你取得人生半日閒

[0:16:31,560 – 0:16:34,560]比如說我應該要省錢

[0:16:34,560 – 0:16:36,560]還是要多花一點錢

[0:16:36,560 – 0:16:40,560]讓我很方便的抵達目的地

[0:16:40,560 – 0:16:44,560]那我要斤斤計較旅館的費用

[0:16:44,560 – 0:16:48,560]那我可以看看調整一下

[0:16:48,560 – 0:16:50,560]能夠省臺幣1000塊

[0:16:50,560 – 0:16:52,560]沒有必要

[0:16:52,560 – 0:16:54,560]那個都讓你傷腦筋

[0:16:54,560 – 0:16:55,560]一傷腦筋

[0:16:55,560 – 0:16:58,560]你就細胞就死很多

[0:16:58,560 – 0:17:00,560]你的毒素就來了

[0:17:00,560 – 0:17:02,560]壓力就來了

[0:17:02,560 – 0:17:06,560]那這樣子得不償失

[0:17:06,560 – 0:17:09,560]所以用錢去買快樂

[0:17:09,560 – 0:17:11,560]用錢去買時間

[0:17:11,560 – 0:17:14,560]那用錢去減輕壓力

[0:17:14,560 – 0:17:18,560]這是我們富有的思維該做的

[0:17:18,560 – 0:17:20,560]所以你不要去計較什麼

[0:17:20,560 – 0:17:22,560]投資交易費

[0:17:22,560 – 0:17:24,560]投資什麼

[0:17:24,560 – 0:17:26,560]我都不知道為什麼會去計較

[0:17:26,560 – 0:17:29,560]那個交易費跟議價這種事情

[0:17:29,560 – 0:17:34,560]交易費也不過0.5%最多吧

[0:17:34,560 – 0:17:36,560]哎呀

[0:17:36,560 – 0:17:38,560]要賺幾百億的人

[0:17:38,560 – 0:17:43,560]幹嘛斤斤計較幾十塊錢的東西呢

[0:17:43,560 – 0:17:46,560]大家要培養富有的腦袋

[0:17:46,560 – 0:17:47,560]懂嗎

[0:17:47,560 – 0:17:51,560]在我們這個頻道裡麵

[0:17:51,560 – 0:17:54,560]幾百萬都是小數字了

[0:17:54,560 – 0:17:56,560]不要去計較了

[0:17:56,560 – 0:17:58,560]因為你會有十億

[0:17:58,560 – 0:18:00,560]現在我們講的是十億

[0:18:00,560 – 0:18:01,560]是大家都做到了

[0:18:01,560 – 0:18:03,560]再來過一段時間

[0:18:03,560 – 0:18:08,560]你會看我開的講義開課是價值100億的

[0:18:08,560 – 0:18:12,560]你不要我在講價值100億的投資

[0:18:12,560 – 0:18:13,560]第一堂課的時候

[0:18:13,560 – 0:18:18,560]你還在經濟計較那幾千塊臺幣的事情

[0:18:18,560 – 0:18:19,560]好嗎

[0:18:19,560 – 0:18:20,560]不要了

[0:18:20,560 – 0:18:24,560]要活出快樂的人生

[0:18:24,560 – 0:18:28,560]要活出沒有壓力的人生

[0:18:28,560 – 0:18:30,560]好

[0:18:30,560 – 0:18:31,560]所以在上班的人

[0:18:31,560 – 0:18:34,560]就是留半年到一年的生活費

[0:18:34,560 – 0:18:36,560]區域都立即市價買進

[0:18:36,560 – 0:18:39,560]已經退休的人

[0:18:39,560 – 0:18:42,560]除非你看你

[0:18:42,560 – 0:18:44,560]你看是要投資高股息

[0:18:44,560 – 0:18:46,560]還是你不用投資高股息

[0:18:46,560 – 0:18:47,560]不管怎麼樣

[0:18:47,560 – 0:18:49,560]你的資產配置就是要有20%

[0:18:49,560 – 0:18:51,560] 20%到30%

[0:18:51,560 – 0:18:53,560]是在現金部位

[0:18:53,560 – 0:18:55,560]那後麵我會再解釋

[0:18:55,560 – 0:18:59,560]你在這裡看不懂已經退休的資產配置

[0:18:59,560 – 0:19:02,560]我在後麵會跟你們說明

[0:19:02,560 – 0:19:07,560]很多人會來問老師我要單筆還是分批

[0:19:07,560 – 0:19:10,560]所以我這裡說單筆分批

[0:19:10,560 – 0:19:12,560]這不是重點

[0:19:12,560 – 0:19:15,560]應該是要單筆立即市價買進

[0:19:15,560 – 0:19:18,560]重點是要做資產配置

[0:19:18,560 – 0:19:21,560]那資產配置也是模糊正確就好

[0:19:21,560 – 0:19:23,560]重點是要留足夠現金

[0:19:23,560 – 0:19:25,560]這重點要抓住

[0:19:25,560 – 0:19:26,560]重點要抓住

[0:19:26,560 – 0:19:27,560]懂嗎

[0:19:27,560 – 0:19:29,560]這是我在跟你說

[0:19:29,560 – 0:19:30,560] OK

[0:19:30,560 – 0:19:32,560]重點要抓住

[0:19:32,560 – 0:19:37,560]單筆投入很重要

[0:19:37,560 – 0:19:42,560]資產配置模糊的正確

[0:19:42,560 – 0:19:46,560]留現金是重中之重

[0:19:46,560 – 0:19:47,560] OK

[0:19:47,560 – 0:19:48,560]好

[0:19:48,560 – 0:19:50,560]我們的投資就是要很簡單

[0:19:50,560 – 0:19:52,560]你做好資產配置之後

[0:19:52,560 – 0:19:56,560]就是單筆一件市價買進

[0:19:56,560 – 0:20:03,560]單筆一件市價買進

[0:20:03,560 – 0:20:07,560]所以

[0:20:07,560 – 0:20:12,560]我通常投資買進都是

[0:20:12,560 – 0:20:14,560]一件就買完

[0:20:14,560 – 0:20:16,560]就是立即市價買進

[0:20:17,560 – 0:20:21,560]我就不知道還有那麼需要糾結

[0:20:21,560 – 0:20:25,560]所以現在開始不要再來問單筆或分批了

[0:20:25,560 – 0:20:28,560]最近已經很多人被我罵了

[0:20:28,560 – 0:20:32,560]就是說你來問我單筆還是分批

[0:20:32,560 – 0:20:36,560]老師我要等一下下跌再買

[0:20:36,560 – 0:20:37,560]我就跟你

[0:20:37,560 – 0:20:39,560]我就把你踢回去

[0:20:39,560 – 0:20:41,560]你這個好好看我們影片

[0:20:41,560 – 0:20:43,560]看一千部影片之後

[0:20:43,560 – 0:20:45,560]再來問這個問題

[0:20:45,560 – 0:20:48,560]還有人就是來老師你

[0:20:48,560 – 0:20:50,560]你不擔心美國的這個

[0:20:50,560 – 0:20:54,560]這個次債次那個赤字的問題嗎

[0:20:54,560 – 0:20:58,560]老師這個中東還在打仗

[0:20:58,560 – 0:21:02,560]老師這個我是不是應該要等下跌

[0:21:02,560 – 0:21:03,560]現在已經高點了

[0:21:03,560 – 0:21:06,560]我要等下跌再來買槓桿基金

[0:21:06,560 – 0:21:08,560]我要做配置433

[0:21:08,560 – 0:21:10,560]我40%是已經買進去

[0:21:10,560 – 0:21:12,560]我30%的槓桿基金

[0:21:12,560 – 0:21:15,560]是不是要等到下跌再買進

[0:21:15,560 – 0:21:19,560]這種你問這種白癡問題的人

[0:21:19,560 – 0:21:21,560]我一個就把你踢回去

[0:21:21,560 – 0:21:22,560]我跟你講

[0:21:22,560 – 0:21:26,560]你就是不要把愚蠢當有趣

[0:21:26,560 – 0:21:27,560]懂了嗎

[0:21:27,560 – 0:21:30,560]不要把愚蠢的問題當有趣

[0:21:30,560 – 0:21:31,560]懂了嗎

[0:21:31,560 – 0:21:36,560]你如果不自己好好研究

[0:21:36,560 – 0:21:38,560]那你就好好把我們這個價值

[0:21:38,560 – 0:21:40,560] 10億元的投資講座看完

[0:21:40,560 – 0:21:43,560]照這個簡單的方式去做

[0:21:43,560 – 0:21:45,560]你什麼都不用學

[0:21:45,560 – 0:21:48,560]你把價值10億元的投資講座

[0:21:48,560 – 0:21:51,560]好看完很簡單的照做就好了

[0:21:51,560 – 0:21:53,560]不要去管市場市場漲跌

[0:21:53,560 – 0:21:55,560]跟我們沒關係

[0:21:55,560 – 0:21:57,560]一切都跟我們沒關係

[0:21:57,560 – 0:21:59,560]懂嗎

[0:21:59,560 – 0:22:01,560]好

[0:22:01,560 – 0:22:04,560]我們進入資產配置

[0:22:04,560 – 0:22:06,560]已經退休的

[0:22:06,560 – 0:22:08,560]而且你資產是夠多的

[0:22:08,560 – 0:22:14,560]比如說你的資產是年開銷50倍

[0:22:14,560 – 0:22:17,560]也就是說你一年需要10萬

[0:22:17,560 – 0:22:19,560]那你有500萬

[0:22:19,560 – 0:22:22,560]那500萬你每年可以用2%

[0:22:22,560 – 0:22:23,560] 500萬2%

[0:22:23,560 – 0:22:27,560]那你提領率就是2%

[0:22:27,560 – 0:22:30,560]那你如果一年要15萬

[0:22:30,560 – 0:22:32,560]那你500萬

[0:22:32,560 – 0:22:34,560]那你一年要提15萬

[0:22:34,560 – 0:22:36,560]那你的提領率就是3%

[0:22:36,560 – 0:22:39,560]就是500萬乘上3%

[0:22:39,560 – 0:22:41,560]就是15萬

[0:22:41,560 – 0:22:43,560]這提領率是這樣子

[0:22:43,560 – 0:22:46,560]只有資產夠多的人

[0:22:46,560 – 0:22:50,560]也就是資產差不多是在50倍

[0:22:50,560 – 0:22:53,560]或年開銷的33倍的人

[0:22:53,560 – 0:22:56,560]那要用這下麵的資產配置

[0:22:56,560 – 0:22:59,560]就是每個月你要提領2%

[0:22:59,560 – 0:23:04,560]那你資產配置就是80%的QQQ

[0:23:04,560 – 0:23:06,560]臺灣就是00662

[0:23:06,560 – 0:23:09,560]中國就是513100

[0:23:09,560 – 0:23:12,560]那澳洲歐洲加拿大

[0:23:12,560 – 0:23:15,560]有自己的你再去知道

[0:23:15,560 – 0:23:20,560]另外20%就是要留現金

[0:23:20,560 – 0:23:23,560]那現金當然就放在短期債劵

[0:23:23,560 – 0:23:25,560]或者貨幣市場基金

[0:23:25,560 – 0:23:26,560]不要再來問說

[0:23:26,560 – 0:23:30,560]老師我現金可不可以去買高股息

[0:23:30,560 – 0:23:32,560]現金就是現金

[0:23:32,560 – 0:23:34,560]不要自作聰明

[0:23:34,560 – 0:23:36,560]去買高股息

[0:23:36,560 – 0:23:40,560]那現金在美國就是BOXX

[0:23:40,560 – 0:23:42,560]或者是SGOV

[0:23:42,560 – 0:23:46,560]或者是還有SWVXX

[0:23:46,560 – 0:23:48,560]那比較少人用

[0:23:48,560 – 0:23:53,560]股票質押需要提高資產的人才需要用

[0:23:53,560 – 0:23:57,560]那臺灣的就是00865B

[0:23:57,560 – 0:23:58,560]這個多個0

[0:23:58,560 – 0:23:59,560] 0865B

[0:24:02,560 – 0:24:04,560]那中國的話

[0:24:04,560 – 0:24:11,560]可以用易方達的這個161115

[0:24:11,560 – 0:24:12,560]好

[0:24:12,560 – 0:24:15,560]那如果提領率需要多一點的

[0:24:15,560 – 0:24:16,560]要3%的人

[0:24:16,560 – 0:24:20,560]那資產配置就是70%的QQQ

[0:24:20,560 – 0:24:23,560] 00662或513100

[0:24:23,560 – 0:24:25,560]現金要30%

[0:24:25,560 – 0:24:28,560]那就是貨幣市場基金

[0:24:28,560 – 0:24:30,560]一樣BOXX

[0:24:30,560 – 0:24:32,560]或者是SGOV在美國

[0:24:32,560 – 0:24:38,560]那在臺灣就是現金部位就放在00865B

[0:24:41,560 – 0:24:42,560]好

[0:24:42,560 – 0:24:44,560]這個是已經退休的

[0:24:44,560 – 0:24:47,560]那資產比較多的人

[0:24:47,560 – 0:24:51,560]那這個就是我們模擬過的結果了

[0:24:51,560 – 0:24:54,560]那你看這個都可以活得還不錯

[0:24:54,560 – 0:24:56,560] 80% 20%或70% 30%

[0:24:56,560 – 0:24:59,560]可是你提領率超過3%

[0:24:59,560 – 0:25:02,560]就是比如說你要提領3.5%的話

[0:25:02,560 – 0:25:05,560]那你的日衡配置要35%

[0:25:05,560 – 0:25:06,560]那這樣65%

[0:25:06,560 – 0:25:09,560]這樣效率不高

[0:25:09,560 – 0:25:12,560]我就不建議35% 65%

[0:25:12,560 – 0:25:14,560]就是35%的QQQ

[0:25:14,560 – 0:25:15,560] 65%現金

[0:25:15,560 – 0:25:17,560]這個效率不好

[0:25:17,560 – 0:25:20,560]所以我們就是

[0:25:20,560 – 0:25:23,560]你如果提領率在2%或3%的

[0:25:24,560 – 0:25:28,560]那你就用80% 20%或70% 30%就好了

[0:25:28,560 – 0:25:30,560]超過3%的

[0:25:30,560 – 0:25:33,560]那你要用另外高股息的資產配置

[0:25:35,560 – 0:25:39,560]已經退休提領率在2%到3%

[0:25:39,560 – 0:25:41,560]質押借款的資產配置

[0:25:41,560 – 0:25:43,560]假設你想要質押借款

[0:25:43,560 – 0:25:44,560]那你一樣

[0:25:44,560 – 0:25:46,560]每個月提領2%的

[0:25:46,560 – 0:25:49,560]你資產配置一樣80%和20%

[0:25:50,560 – 0:25:53,560]那每年再平衡

[0:25:53,560 – 0:25:55,560]每年再平衡

[0:25:58,560 – 0:26:02,560]這個應該是要聰明再平衡

[0:26:02,560 – 0:26:04,560]這個應該是要聰明再平衡

[0:26:04,560 – 0:26:06,560]每年要聰明再平衡

[0:26:11,560 – 0:26:13,560]每年聰明再平衡

[0:26:13,560 – 0:26:17,560]聰明再平衡很簡單

[0:26:18,560 – 0:26:20,560]沒有這個應該是不用聰明

[0:26:20,560 – 0:26:21,560]因為你這裡沒有

[0:26:21,560 – 0:26:22,560]你沒有槓桿基金

[0:26:22,560 – 0:26:23,560]不用聰明再平衡

[0:26:23,560 – 0:26:25,560]就是一般的再平衡就好

[0:26:25,560 – 0:26:26,560]這樣簡單

[0:26:27,560 – 0:26:29,560]所以你就是80% 20%

[0:26:29,560 – 0:26:31,560]那你股票質押借款

[0:26:31,560 – 0:26:33,560]不用就是每年還是平衡

[0:26:33,560 – 0:26:36,560]回到80% 20%就對了

[0:26:36,560 – 0:26:39,560]那你如果每年要質押借款

[0:26:39,560 – 0:26:40,560] 3%的話

[0:26:40,560 – 0:26:42,560]那你就用65% 35%

[0:26:42,560 – 0:26:45,560] 65%的QQQ

[0:26:45,560 – 0:26:48,560]那中國是沒有股票質押的

[0:26:48,560 – 0:26:50,560]所以這裡寫中國51310

[0:26:50,560 – 0:26:52,560]但中國沒有股票質押

[0:26:52,560 – 0:26:55,560]就不用考慮這個

[0:26:55,560 – 0:26:58,560]那35%的短期債劵

[0:26:58,560 – 0:27:01,560]那這樣可以質押借3%的

[0:27:02,560 – 0:27:04,560]股票質押借款

[0:27:04,560 – 0:27:06,560]每年做再平衡

[0:27:06,560 – 0:27:09,560]無腦再平衡的就可以了

[0:27:09,560 – 0:27:10,560]無腦再平衡就好

[0:27:10,560 – 0:27:11,560]不用聰明

[0:27:11,560 – 0:27:14,560]我們現在投資都改得很簡單

[0:27:14,560 – 0:27:17,560]一般人你如果沒有什麼花俏

[0:27:17,560 – 0:27:18,560]就用這樣就很簡單

[0:27:18,560 – 0:27:20,560]你也不用再去學什麼

[0:27:20,560 – 0:27:21,560]其他的

[0:27:21,560 – 0:27:24,560]我們已經把整個資產配置

[0:27:24,560 – 0:27:27,560]不管質押不質押都弄得很簡單

[0:27:29,560 – 0:27:31,560]這個就模擬的結果

[0:27:31,560 – 0:27:33,560]你如果80% 20%借2%

[0:27:33,560 – 0:27:36,560]如果65% 35%借3%

[0:27:36,560 – 0:27:37,560]那你要借4%

[0:27:37,560 – 0:27:39,560]你要50% 50%

[0:27:39,560 – 0:27:41,560]那就沒有效率了

[0:27:42,560 – 0:27:45,560]當然你說我還是要股票質押

[0:27:45,560 – 0:27:46,560]借50 50

[0:27:46,560 – 0:27:49,560]就借4%也可以了

[0:27:49,560 – 0:27:52,560]可是你的資產配置就是要50 50

[0:27:52,560 – 0:27:54,560]那你用30的原型

[0:27:54,560 – 0:27:55,560] 70的現金

[0:27:55,560 – 0:27:56,560]你可以借5%

[0:27:56,560 – 0:28:00,560]可是你的資產可能就增值的很緩慢

[0:28:00,560 – 0:28:01,560]就沒有必要

[0:28:01,560 – 0:28:05,560]你可以用下麵這個不質押借款的

[0:28:05,560 – 0:28:09,560]那可以用高股息來取得現金流的方式

[0:28:10,560 – 0:28:12,560]好後麵就是你資產不夠

[0:28:12,560 – 0:28:17,560]而且你每年提領率超過3%的人

[0:28:18,560 – 0:28:21,560]你就是要先計算出每年的開銷

[0:28:21,560 – 0:28:25,560]再從每年開銷計算出一個月的開銷

[0:28:25,560 – 0:28:28,560]那表示說你

[0:28:28,560 – 0:28:30,560]一個月需要5萬

[0:28:30,560 – 0:28:32,560]一年要60萬

[0:28:32,560 – 0:28:34,560]一個月要5萬臺幣的人

[0:28:35,560 – 0:28:38,560]那你就要5萬乘上100倍

[0:28:38,560 – 0:28:39,560]那你就要有500萬

[0:28:39,560 – 0:28:41,560]先要放在QQQI

[0:28:41,560 – 0:28:46,560]每個月拿到1%的股息過生活

[0:28:46,560 – 0:28:50,560]所以你把它以每個月需要的生活費

[0:28:50,560 – 0:28:51,560]乘上100

[0:28:51,560 – 0:28:54,560]就是你要放在QQQI的

[0:28:54,560 – 0:28:58,560]之後剩下的70%跟30%

[0:28:58,560 – 0:29:00,560]做好資產配置

[0:29:00,560 – 0:29:01,560]剩下的

[0:29:02,560 – 0:29:05,560]投資完QQQI之後

[0:29:05,560 – 0:29:06,560]剩下的資金

[0:29:06,560 – 0:29:09,560]你70%投資QQQI

[0:29:09,560 – 0:29:10,560] 00662

[0:29:11,560 – 0:29:14,560] 30%投資貨幣市場基金

[0:29:16,560 – 0:29:18,560] 00865B

[0:29:20,560 – 0:29:21,560]這樣就可以了

[0:29:21,560 – 0:29:24,560]那因為你是股息

[0:29:24,560 – 0:29:26,560]你已經有股息過日子的

[0:29:26,560 – 0:29:28,560]所以其實你不會從這

[0:29:28,560 – 0:29:32,560]其餘的資產70% 30%拿來過生活

[0:29:32,560 – 0:29:34,560]所以這個70% 30%

[0:29:35,560 – 0:29:37,560]未必需要再平衡

[0:29:37,560 – 0:29:38,560]不需要

[0:29:39,560 – 0:29:40,560]因為你就不要動它

[0:29:40,560 – 0:29:42,560]你當做這個是一個

[0:29:43,560 – 0:29:46,560]資產增值的加速器

[0:29:47,560 – 0:29:50,560]大部分這個應該都會變成遺產的

[0:29:50,560 – 0:29:53,560]這部分因為你QQQI部分就足夠

[0:29:53,560 – 0:29:54,560]你生活了

[0:29:55,560 – 0:29:58,560]除非你有緊急需要100萬200萬

[0:29:58,560 – 0:30:00,560]那當然就是從這70%

[0:30:00,560 – 0:30:04,560] 30%這裡麵去花用

[0:30:05,560 – 0:30:07,560]這就是你

[0:30:07,560 – 0:30:10,560]滴波率超過3%的人

[0:30:10,560 – 0:30:12,560]的資產配置

[0:30:13,560 – 0:30:17,560]所以我們今天應該都這樣就講完了

[0:30:19,560 – 0:30:20,560]很簡單

[0:30:20,560 – 0:30:22,560]資產配置沒有什麼複雜

[0:30:22,560 – 0:30:24,560]我們也不配槓桿基金

[0:30:24,560 – 0:30:26,560]就這樣子就可以了

[0:30:26,560 – 0:30:27,560]也不用

[0:30:27,560 – 0:30:29,560]聰明在平

[0:30:29,560 – 0:30:32,560]你就是如果有股票質押

[0:30:32,560 – 0:30:34,560]你就無腦在平衡就好了

[0:30:36,560 – 0:30:37,560]那

[0:30:38,560 – 0:30:39,560]今天就到這裡

[0:30:39,560 – 0:30:42,560]那留言闆有我們的講義

[0:30:43,560 – 0:30:44,560]可以去拿

[0:30:45,560 – 0:30:49,560]那因為有人說他要給小孩子看英文

[0:30:49,560 – 0:30:53,560]因為那個誰陳峯那邊都有

[0:30:53,560 – 0:30:56,560]把我們的影片翻成中文的

[0:30:56,560 – 0:31:00,560]把那個語音的內容轉成文字

[0:31:01,560 – 0:31:04,560]所以我建議你們去那邊拿他的文字稿

[0:31:04,560 – 0:31:05,560]那

[0:31:06,560 – 0:31:07,560]可以

[0:31:09,560 – 0:31:11,560]我有機會陳峯做完

[0:31:11,560 – 0:31:13,560]我會把那個文字稿貼到留言闆

[0:31:13,560 – 0:31:16,560]你把那文字稿給他拷貝下來

[0:31:16,560 – 0:31:19,560]請那個check gpt幫你翻成英文

[0:31:20,560 – 0:31:23,560]你就可以提供給你不懂中文的小朋友

[0:31:23,560 – 0:31:25,560]或朋友看

[0:31:26,560 – 0:31:27,560]我想這樣就好了

[0:31:27,560 – 0:31:31,560]我每次要去幫你轉英文檔有點麻煩

[0:31:32,560 – 0:31:36,560]我會把陳峯的這個轉檔的資料

[0:31:36,560 – 0:31:39,560]文字檔的資料貼上來

[0:31:40,560 – 0:31:41,560]可能晚一天吧

[0:31:41,560 – 0:31:44,560]因為陳峯也要處理一下才貼上來

[0:31:45,560 – 0:31:46,560]好

[0:31:46,560 – 0:31:48,560]那就先這樣

[0:31:48,560 – 0:31:49,560]如果有問題的話

[0:31:49,560 – 0:31:50,560]寫email給我

[0:31:51,560 – 0:31:53,560]或者在youtube留言

[0:31:53,560 – 0:31:58,560]那我們今天的資產配置的分享就先到這裡

[0:31:59,560 – 0:32:01,560]那下一次我們要談的

[0:32:02,560 – 0:32:03,560]再想想看有什麼

[0:32:03,560 – 0:32:06,560]可能我們要講的是世界金融吧

[0:32:07,560 – 0:32:10,560]那如果還有其他你們想聽的

[0:32:11,560 – 0:32:12,560]想要知道的

[0:32:12,560 – 0:32:15,560]想要讓我放在第一堂課說明的

[0:32:15,560 – 0:32:19,560]那你們可以留言或寫email給我

[0:32:19,560 – 0:32:22,560]那我在考慮把它做一個chapter來說明

[0:32:23,560 – 0:32:25,560]好那我們就先這樣

[0:32:25,560 – 0:32:26,560]謝謝大家