00696 2026年 投资第一堂课『价值十亿元的投资讲座』第三章 2026年5月7日 (128kbit_AAC)

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语音笔记：00696 2026年投资第一堂课『价值十亿元的投资讲座』第三章 2026年5月7日 (128kbit_AAC)

[0:00:00,000 – 0:00:07,320]大家好,这里是CRC投资理财频道

[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]我们今天要讲的一样是投资第一堂课价值10亿元的投资讲座

[0:00:20,560 – 0:00:22,560]今天讲第三章

[0:00:22,560 – 0:00:36,560]在开始之前,我让你们看一下今天市场上涨的有点还不错

[0:00:36,560 – 0:00:44,560]你看这个QQQ可以涨2%

[0:00:44,560 – 0:00:48,560]指数涨2%是相当少见的

[0:00:48,560 – 0:00:52,560]所以市场会一直涨不停

[0:00:52,560 – 0:00:54,560]所以这个大家一定要知道

[0:00:54,560 – 0:00:56,560]不要犹豫

[0:00:56,560 – 0:01:00,560]在市场里面要买进就是立即市价买进

[0:01:00,560 – 0:01:03,560]最近太多朋友一直在问老师

[0:01:03,560 – 0:01:08,560]我现在涨我要买杠杆基金我是不是等下跌再买

[0:01:08,560 – 0:01:12,560]我资产配置433我是不是在

[0:01:12,560 – 0:01:17,560]或者是大家知道资产配置不是这么重要

[0:01:17,560 – 0:01:19,560]大概就好

[0:01:19,560 – 0:01:21,560]很简单就好

[0:01:21,560 – 0:01:23,560]也不用配杠杆基金

[0:01:23,560 – 0:01:25,560]重点是要立即马上

[0:01:25,560 – 0:01:29,560]有钱就买立即马上市价买进

[0:01:29,560 – 0:01:31,560]单笔就买完就好了

[0:01:31,560 – 0:01:35,560]重点是打死不卖就好了

[0:01:35,560 – 0:01:41,560]先开场先大家知道现在市场你不能等待

[0:01:41,560 – 0:01:43,560]好

[0:01:43,560 – 0:01:47,560]这个我们第三章

[0:01:47,560 – 0:01:52,560]第三章这个重点就是我们今天要讲的就是资产配置

[0:01:52,560 – 0:01:55,560]资产配置现金是空气

[0:01:55,560 – 0:01:58,560]所以你一直犹豫要不要买进去

[0:01:58,560 – 0:02:00,560]你不如留足够的现金

[0:02:00,560 – 0:02:02,560]你认为安心的现金部位

[0:02:02,560 – 0:02:05,560]其他就是立即市价买进就好了

[0:02:05,560 – 0:02:08,560]所以资产配置

[0:02:08,560 – 0:02:11,560]其实是点缀了是点缀了

[0:02:11,560 – 0:02:17,560]重点是你大概模糊正确资产配置做好了就赶快下去了

[0:02:17,560 – 0:02:19,560]就这样子

[0:02:19,560 – 0:02:25,560]那我们一路走来从2018年公开开始上课到现在

[0:02:25,560 – 0:02:28,560]都是见到大家立即市价买进

[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]然后

[0:02:34,560 – 0:02:37,560]当然你觉得分批会比较舒服

[0:02:37,560 – 0:02:40,560]可是分批就是绩效比较差

[0:02:40,560 – 0:02:44,560]就是已经是学术上都已经证明过了

[0:02:44,560 – 0:02:47,560]重点不在于这个分批

[0:02:47,560 – 0:02:50,560]重点应该要立即市价单笔买进

[0:02:50,560 – 0:02:56,560]那你只是说要买进的要立即马上买进

[0:02:56,560 – 0:02:59,560]剩下的你如果担心市场的波动

[0:02:59,560 – 0:03:01,560]你就留现金就好了

[0:03:01,560 – 0:03:02,560]就这样子

[0:03:02,560 – 0:03:04,560]资产配置

[0:03:04,560 – 0:03:08,560]最重点就是为什么要资产配置

[0:03:08,560 – 0:03:11,560]资产配置最重要的就是要活着了

[0:03:11,560 – 0:03:13,560]就是说市场

[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]就是市场明天就会跌掉80%跌掉20%或市场明天腰斩

[0:03:24,560 – 0:03:33,560]或者是突然之间这个地球上有人发射核弹

[0:03:33,560 – 0:03:38,560]突然之间整个市场停止了

[0:03:38,560 – 0:03:42,560]那这个意外比明天早到

[0:03:42,560 – 0:03:47,560]还有今天我看到一个邮件

[0:03:47,560 – 0:03:53,560]有一个朋友他爸爸昨天中风

[0:03:53,560 – 0:03:59,560]那脑部就是就是脑中风

[0:03:59,560 – 0:04:05,560]后来医生说那个大动脉可能要装支架

[0:04:05,560 – 0:04:09,560]那差不多台币100万左右

[0:04:09,560 – 0:04:12,560]那你如果没有现金

[0:04:12,560 – 0:04:13,560]那你怎么办

[0:04:13,560 – 0:04:16,560]那你如果市场又下跌

[0:04:16,560 – 0:04:18,560]你怎么办

[0:04:18,560 – 0:04:20,560]你如果市场

[0:04:20,560 – 0:04:24,560]你有意外需要拿一笔钱

[0:04:24,560 – 0:04:26,560]还有现在市场是上涨

[0:04:26,560 – 0:04:30,560]那你可能还可以去质押借款

[0:04:30,560 – 0:04:32,560]那如果现在市场刚好跌掉八成

[0:04:32,560 – 0:04:34,560]那你又意外来了

[0:04:34,560 – 0:04:36,560]那你又没留现金

[0:04:36,560 – 0:04:37,560]那你怎么办

[0:04:37,560 – 0:04:44,560]所以为什么我一直苦口婆心的跟大家讲

[0:04:44,560 – 0:04:46,560]你一定要留足够现金

[0:04:46,560 – 0:04:51,560]因为你不知道意外跟明天哪一个会先到

[0:04:51,560 – 0:04:53,560]那很多人会讲啊

[0:04:53,560 – 0:04:55,560]留现金就没效率啊

[0:04:55,560 – 0:04:57,560]对我也知道

[0:04:57,560 – 0:05:03,560]可是你是想要平稳的度过

[0:05:03,560 – 0:05:07,560]还是要加速前进

[0:05:07,560 – 0:05:10,560]而冒着可能出车祸

[0:05:10,560 – 0:05:14,560]或可能整个船会沉下去的风险

[0:05:14,560 – 0:05:24,560]我想大家应该要安全抵达目的地为主要的资产配置的设计

[0:05:25,560 – 0:05:28,560]还有常常有人要来问老师

[0:05:28,560 – 0:05:30,560]我这样资产配置可不可以

[0:05:30,560 – 0:05:32,560]我那样资产配置可不可以

[0:05:32,560 – 0:05:35,560]其实资产配置是蛮个人化的

[0:05:35,560 – 0:05:38,560]我们跟大家讲大概就这样子

[0:05:38,560 – 0:05:41,560]可是我只会跟你讲

[0:05:41,560 – 0:05:43,560]这辣椒很辣

[0:05:43,560 – 0:05:46,560]那这个醋有点酸

[0:05:46,560 – 0:05:48,560]这个糖是甜的

[0:05:48,560 – 0:05:51,560]那这个盐巴是咸的

[0:05:51,560 – 0:05:55,560]那酱油是香的又咸的

[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]每个人都不一样

[0:06:01,560 – 0:06:03,560]所以你资产配置我大概给你知道

[0:06:03,560 – 0:06:05,560]哪些指数

[0:06:05,560 – 0:06:08,560]它的成长率是多少

[0:06:08,560 – 0:06:14,560] QQQI的股息配发股息结率率是多少

[0:06:14,560 – 0:06:22,560]那现金就是央行的隔夜财款利率

[0:06:22,560 – 0:06:32,560]那QQQ成长率年化报酬差不多12到15%

[0:06:32,560 – 0:06:41,560] QQQI这个股息差不多一个月1%

[0:06:41,560 – 0:06:43,560]就这样

[0:06:43,560 – 0:06:45,560]所以大概

[0:06:45,560 – 0:06:48,560]那你自己开始因为这些调味料

[0:06:48,560 – 0:06:50,560]因为这些主菜配菜

[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]所以每个人都资产配置都不一样

[0:06:57,560 – 0:07:02,560]你不应该问你要什么样资产配置

[0:07:02,560 – 0:07:05,560]就好像你吃牛肉面

[0:07:05,560 – 0:07:06,560]你吃面

[0:07:06,560 – 0:07:09,560]你不会来问我说

[0:07:09,560 – 0:07:11,560]老师我要加多少辣椒

[0:07:11,560 – 0:07:13,560]要加帮我加醋

[0:07:13,560 – 0:07:16,560]你帮我加胡椒粉

[0:07:16,560 – 0:07:17,560]不会嘛

[0:07:17,560 – 0:07:21,560]所以你要我帮你配资产配置

[0:07:21,560 – 0:07:25,560]我其实不应该帮你做了

[0:07:25,560 – 0:07:31,560]因为你要知道每一个调味料的作用

[0:07:31,560 – 0:07:34,560]那你要自己调配

[0:07:34,560 – 0:07:39,560]我们这里会谈两个资产配置

[0:07:39,560 – 0:07:42,560]一个就是还在上班的人的资产配置

[0:07:42,560 – 0:07:46,560]还有已经退休的人需要现金流的资产配置

[0:07:46,560 – 0:07:48,560]那今天大概

[0:07:48,560 – 0:07:54,560]我不会像过去我们这个几百部影片

[0:07:54,560 – 0:07:57,560]讲投资理财资产配置

[0:07:57,560 – 0:07:58,560]杠杆基金

[0:07:58,560 – 0:07:59,560]还有什么聪明

[0:07:59,560 – 0:08:00,560]这些都不谈了

[0:08:00,560 – 0:08:04,560]因为太过于复杂了

[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]你们如果想要多知道一点

[0:08:12,560 – 0:08:14,560]那当然你就自己去学

[0:08:14,560 – 0:08:16,560]那不然的话

[0:08:16,560 – 0:08:21,560]今天这个资产配置应该是适合99.99%的人

[0:08:21,560 – 0:08:23,560]就可以很简单

[0:08:23,560 – 0:08:27,560]模糊的正确就可以用了

[0:08:27,560 – 0:08:33,560]我希望简单才是正确的解答方案

[0:08:34,560 – 0:08:37,560]我们人生就不应该太复杂

[0:08:37,560 – 0:08:40,560]你任何事情不用太复杂

[0:08:40,560 – 0:08:41,560]也不用担心

[0:08:41,560 – 0:08:43,560]也不用烦恼

[0:08:43,560 – 0:08:49,560]那不用想未来一个小时后的事

[0:08:49,560 – 0:08:53,560]过去已经发生的就给它放掉

[0:08:53,560 – 0:08:57,560]还有最近比较多的

[0:08:57,560 – 0:09:01,560]就是有些太太做投资

[0:09:01,560 – 0:09:07,560]那先生知道了就很生气

[0:09:07,560 – 0:09:09,560]还提要离婚

[0:09:09,560 – 0:09:12,560]这个都不好

[0:09:12,560 – 0:09:16,560]如果你发现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]对你的投资非常反应激烈

[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]不要跟他谈投资了

[0:09:29,560 – 0:09:31,560]第二件事情就是

[0:09:31,560 – 0:09:34,560]他如果说你现在要卖掉

[0:09:34,560 – 0:09:37,560]比如说三月大跌的时候

[0:09:37,560 – 0:09:40,560]那当然那些不同意你投资的人会叫你

[0:09:40,560 – 0:09:42,560]你现在赶快卖掉

[0:09:42,560 – 0:09:44,560]你不卖掉我要跟你离婚

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

[0:09:50,560 – 0:09:53,560]我们跟大家讲不要争辩

[0:09:53,560 – 0:09:54,560]你回答就是说

[0:09:54,560 – 0:09:55,560]好好好

[0:09:55,560 – 0:09:57,560]我会做

[0:09:58,560 – 0:10:01,560]那你做不做再说吧

[0:10:01,560 – 0:10:06,560]你口头上表面上都要说是好

[0:10:06,560 – 0:10:08,560]你是对的

[0:10:08,560 – 0:10:10,560]就这样

[0:10:10,560 – 0:10:13,560]那因为你的账户他又看不到

[0:10:13,560 – 0:10:16,560]所以他觉得你都听他的话了就好了

[0:10:16,560 – 0:10:20,560]等到你有上亿资产的时候

[0:10:20,560 – 0:10:23,560]我想他也不会再找你离婚了

[0:10:23,560 – 0:10:25,560]所以

[0:10:25,560 – 0:10:27,560]有时候不要起冲突

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

[0:10:30,560 – 0:10:33,560]或者想要改变他

[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]那个固化的思维

[0:10:40,560 – 0:10:42,560]你要去改变他没有

[0:10:42,560 – 0:10:44,560]不用

[0:10:44,560 – 0:10:46,560]我们不要去改变别人

[0:10:46,560 – 0:10:47,560]你就做你的事

[0:10:47,560 – 0:10:52,560]甚至有时候我说夫妻之间要碎碎念

[0:10:52,560 – 0:10:55,560]可是你如果一念他就开始发飙了

[0:10:55,560 – 0:10:57,560]那就开始准备要离婚了

[0:10:57,560 – 0:10:58,560]那就不要了

[0:10:58,560 – 0:11:01,560]那这个就避免这件事情

[0:11:01,560 – 0:11:03,560]避免冲突很重要

[0:11:03,560 – 0:11:04,560]避免冲突

[0:11:04,560 – 0:11:05,560]那你就说好

[0:11:05,560 – 0:11:06,560]同意没错

[0:11:06,560 – 0:11:07,560]你说的好

[0:11:07,560 – 0:11:10,560]就这样

[0:11:10,560 – 0:11:14,560]有时候表面功夫做好就好了

[0:11:14,560 – 0:11:16,560]那有时候有的父母说

[0:11:16,560 – 0:11:17,560]哎呀

[0:11:17,560 – 0:11:21,560]我很担心你去借信贷或房贷去投资

[0:11:21,560 – 0:11:23,560]那长辈的担心

[0:11:23,560 – 0:11:26,560]你要知道他是实实在在的担心

[0:11:26,560 – 0:11:28,560]所以

[0:11:28,560 – 0:11:30,560]你可以去借钱投资

[0:11:30,560 – 0:11:34,560]可是你在他表面上你还是要跟他讲

[0:11:34,560 – 0:11:35,560]好的没错

[0:11:35,560 – 0:11:37,560]我会小心

[0:11:37,560 – 0:11:39,560]那可能就不借了

[0:11:39,560 – 0:11:41,560]那你实际还是去借了

[0:11:41,560 – 0:11:45,560]只是说一定要让父母亲安心

[0:11:45,560 – 0:11:50,560]不要一直强迫他接受你的观念

[0:11:51,560 – 0:11:53,560]好

[0:11:53,560 – 0:11:55,560]免责声明了

[0:11:55,560 – 0:11:58,560]这个我们都不是专业的投资顾问

[0:11:58,560 – 0:12:00,560]也不是专业的税务人员

[0:12:00,560 – 0:12:05,560]所有的投资都有可能在短期波动中损失

[0:12:05,560 – 0:12:06,560]大家一定要理解

[0:12:06,560 – 0:12:08,560]自己学习

[0:12:08,560 – 0:12:09,560]自己决定

[0:12:09,560 – 0:12:11,560]自己负责

[0:12:11,560 – 0:12:12,560]好

[0:12:12,560 – 0:12:16,560]这里我们讲的现金是空气

[0:12:16,560 – 0:12:17,560]投资要活着

[0:12:17,560 – 0:12:20,560]所以不管你是什么样的资产配置

[0:12:20,560 – 0:12:21,560]你一定要有现金

[0:12:21,560 – 0:12:23,560]现金一定要

[0:12:23,560 – 0:12:25,560]因为下一秒钟

[0:12:25,560 – 0:12:29,560]你可能需要100万的医疗费用

[0:12:29,560 – 0:12:31,560]所以还在上班的

[0:12:31,560 – 0:12:33,560]因为你可能还年轻

[0:12:33,560 – 0:12:36,560]可能还有爸爸妈妈

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

[0:12:41,560 – 0:12:46,560]其他的就立即马上全部买进QQQ

[0:12:46,560 – 0:12:48,560]台湾就是0066

[0:12:48,560 – 0:12:50,560]中国就是513100

[0:12:50,560 – 0:12:53,560]最近中国很多朋友来谈

[0:12:53,560 – 0:12:55,560]就是有场内场外的问题

[0:12:55,560 – 0:12:57,560]我还是再讲一下

[0:12:57,560 – 0:12:59,560]你最好买场内的

[0:12:59,560 – 0:13:01,560]那场内有议价没关系

[0:13:01,560 – 0:13:03,560]不要再来问议价的事情了

[0:13:03,560 – 0:13:04,560]好不好

[0:13:04,560 – 0:13:06,560]议价不要理会

[0:13:06,560 – 0:13:09,560]你就是议价立即市价买进

[0:13:09,560 – 0:13:11,560]他可能议价一辈子

[0:13:11,560 – 0:13:13,560]二十几二十年都会议价的

[0:13:13,560 – 0:13:15,560]你为了议价不买

[0:13:15,560 – 0:13:17,560]那他一直涨啊

[0:13:17,560 – 0:13:19,560]你为了议价10%你不买

[0:13:19,560 – 0:13:21,560]最后来涨翻倍了

[0:13:21,560 – 0:13:24,560]你还在等议价缩减

[0:13:24,560 – 0:13:25,560]没办法了

[0:13:25,560 – 0:13:27,560]议价10%

[0:13:27,560 – 0:13:31,560]可是他永远都议价市场涨100%

[0:13:31,560 – 0:13:33,560]你也是赚100%

[0:13:33,560 – 0:13:37,560]议价跟获利就没有关系

[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]老是国内有议价

[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]你就连议价小事情

[0:13:52,560 – 0:13:55,560]你就不愿意去克服了

[0:13:55,560 – 0:13:57,560]你去香港何必呢

[0:13:58,560 – 0:14:00,560]台语说

[0:14:03,560 – 0:14:05,560]得果倒菜兜

[0:14:05,560 – 0:14:08,560]就是多此一举

[0:14:09,560 – 0:14:12,560]还有的人因为说老师

[0:14:12,560 – 0:14:15,560]那个这个这个这个

[0:14:15,560 – 0:14:18,560]场外的没有交易费用

[0:14:18,560 – 0:14:20,560]场内的有交易费用

[0:14:20,560 – 0:14:23,560]我是买场内的场外的吗

[0:14:23,560 – 0:14:26,560]那场外的又有限额

[0:14:26,560 – 0:14:28,560]那你要什么都要好

[0:14:28,560 – 0:14:29,560]又要马儿好

[0:14:29,560 – 0:14:31,560]又要马儿不吃草

[0:14:31,560 – 0:14:32,560]怎么可能

[0:14:32,560 – 0:14:33,560]那就说啊

[0:14:33,560 – 0:14:37,560]我这个很很很介意这个手续费

[0:14:37,560 – 0:14:39,560]我去香港开户吗

[0:14:39,560 – 0:14:40,560]你看吧

[0:14:40,560 – 0:14:44,560]这个就是脑袋不清楚

[0:14:44,560 – 0:14:46,560]脑袋不清楚

[0:14:46,560 – 0:14:49,560]这个为了一点点小费用

[0:14:49,560 – 0:14:51,560]要跑去香港开户

[0:14:51,560 – 0:14:52,560]你又没有觉得

[0:14:52,560 – 0:14:55,560]这些人到底的脑袋在想什么

[0:14:55,560 – 0:14:59,560]所以大家要记得人生没这么复杂

[0:14:59,560 – 0:15:01,560]投资也没这么简单

[0:15:01,560 – 0:15:03,560]就是最好的解答

[0:15:03,560 – 0:15:06,560]你当你如果有件事情

[0:15:06,560 – 0:15:10,560]你在中国或者你在台湾

[0:15:10,560 – 0:15:12,560]那你买进

[0:15:12,560 – 0:15:15,560]什么样的买进最方便

[0:15:15,560 – 0:15:17,560]你就用什么样的方式买

[0:15:17,560 – 0:15:21,560]不要考虑费用手续费这个事情

[0:15:21,560 – 0:15:23,560]那个都不值得你去考虑

[0:15:23,560 – 0:15:27,560]就是立即市价可以买到的

[0:15:27,560 – 0:15:29,560]就对了

[0:15:29,560 – 0:15:31,560]所以我们做任何事情

[0:15:31,560 – 0:15:33,560]买卖都一样

[0:15:33,560 – 0:15:34,560]立即市价

[0:15:34,560 – 0:15:36,560]买进

[0:15:36,560 – 0:15:39,560]你卖房子也是一样

[0:15:39,560 – 0:15:40,560]立即市价卖出

[0:15:40,560 – 0:15:42,560]有人出价你就卖

[0:15:42,560 – 0:15:43,560]就这么简单

[0:15:43,560 – 0:15:46,560]那你说那这样我都多亏20%

[0:15:46,560 – 0:15:49,560]多亏20%就20%

[0:15:49,560 – 0:15:51,560]你看这个市场一涨

[0:15:51,560 – 0:15:54,560]一个月就涨20%了

[0:15:54,560 – 0:15:55,560]对不对

[0:15:55,560 – 0:15:58,560]所以你越计较

[0:15:58,560 – 0:16:00,560]你损失会越多

[0:16:00,560 – 0:16:01,560]无论在人生上面

[0:16:01,560 – 0:16:03,560]或者是在投资上面

[0:16:03,560 – 0:16:05,560]你越考虑越多

[0:16:05,560 – 0:16:07,560]绝对是失败的

[0:16:07,560 – 0:16:09,560]绝对是错误的

[0:16:09,560 – 0:16:11,560]我还是跟大家讲一下

[0:16:11,560 – 0:16:13,560]人生没有那么难

[0:16:13,560 – 0:16:17,560]所有有的东西该放掉就放掉

[0:16:17,560 – 0:16:19,560]该牺牲就牺牲

[0:16:19,560 – 0:16:23,560]那个都你越吃亏

[0:16:23,560 – 0:16:25,560]你越占便宜

[0:16:25,560 – 0:16:31,560]这个绝对你取得人生半日闲

[0:16:31,560 – 0:16:34,560]比如说我应该要省钱

[0:16:34,560 – 0:16:36,560]还是要多花一点钱

[0:16:36,560 – 0:16:40,560]让我很方便的抵达目的地

[0:16:40,560 – 0:16:44,560]那我要斤斤计较旅馆的费用

[0:16:44,560 – 0:16:48,560]那我可以看看调整一下

[0:16:48,560 – 0:16:50,560]能够省台币1000块

[0:16:50,560 – 0:16:52,560]没有必要

[0:16:52,560 – 0:16:54,560]那个都让你伤脑筋

[0:16:54,560 – 0:16:55,560]一伤脑筋

[0:16:55,560 – 0:16:58,560]你就细胞就死很多

[0:16:58,560 – 0:17:00,560]你的毒素就来了

[0:17:00,560 – 0:17:02,560]压力就来了

[0:17:02,560 – 0:17:06,560]那这样子得不偿失

[0:17:06,560 – 0:17:09,560]所以用钱去买快乐

[0:17:09,560 – 0:17:11,560]用钱去买时间

[0:17:11,560 – 0:17:14,560]那用钱去减轻压力

[0:17:14,560 – 0:17:18,560]这是我们富有的思维该做的

[0:17:18,560 – 0:17:20,560]所以你不要去计较什么

[0:17:20,560 – 0:17:22,560]投资交易费

[0:17:22,560 – 0:17:24,560]投资什么

[0:17:24,560 – 0:17:26,560]我都不知道为什么会去计较

[0:17:26,560 – 0:17:29,560]那个交易费跟议价这种事情

[0:17:29,560 – 0:17:34,560]交易费也不过0.5%最多吧

[0:17:34,560 – 0:17:36,560]哎呀

[0:17:36,560 – 0:17:38,560]要赚几百亿的人

[0:17:38,560 – 0:17:43,560]干嘛斤斤计较几十块钱的东西呢

[0:17:43,560 – 0:17:46,560]大家要培养富有的脑袋

[0:17:46,560 – 0:17:47,560]懂吗

[0:17:47,560 – 0:17:51,560]在我们这个频道里面

[0:17:51,560 – 0:17:54,560]几百万都是小数字了

[0:17:54,560 – 0:17:56,560]不要去计较了

[0:17:56,560 – 0:17:58,560]因为你会有十亿

[0:17:58,560 – 0:18:00,560]现在我们讲的是十亿

[0:18:00,560 – 0:18:01,560]是大家都做到了

[0:18:01,560 – 0:18:03,560]再来过一段时间

[0:18:03,560 – 0:18:08,560]你会看我开的讲义开课是价值100亿的

[0:18:08,560 – 0:18:12,560]你不要我在讲价值100亿的投资

[0:18:12,560 – 0:18:13,560]第一堂课的时候

[0:18:13,560 – 0:18:18,560]你还在经济计较那几千块台币的事情

[0:18:18,560 – 0:18:19,560]好吗

[0:18:19,560 – 0:18:20,560]不要了

[0:18:20,560 – 0:18:24,560]要活出快乐的人生

[0:18:24,560 – 0:18:28,560]要活出没有压力的人生

[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费

[0:18:34,560 – 0:18:36,560]区域都立即市价买进

[0:18:36,560 – 0:18:39,560]已经退休的人

[0:18:39,560 – 0:18:42,560]除非你看你

[0:18:42,560 – 0:18:44,560]你看是要投资高股息

[0:18:44,560 – 0:18:46,560]还是你不用投资高股息

[0:18:46,560 – 0:18:47,560]不管怎么样

[0:18:47,560 – 0:18:49,560]你的资产配置就是要有20%

[0:18:49,560 – 0:18:51,560] 20%到30%

[0:18:51,560 – 0:18:53,560]是在现金部位

[0:18:53,560 – 0:18:55,560]那后面我会再解释

[0:18:55,560 – 0:18:59,560]你在这里看不懂已经退休的资产配置

[0:18:59,560 – 0:19:02,560]我在后面会跟你们说明

[0:19:02,560 – 0:19:07,560]很多人会来问老师我要单笔还是分批

[0:19:07,560 – 0:19:10,560]所以我这里说单笔分批

[0:19:10,560 – 0:19:12,560]这不是重点

[0:19:12,560 – 0:19:15,560]应该是要单笔立即市价买进

[0:19:15,560 – 0:19:18,560]重点是要做资产配置

[0:19:18,560 – 0:19:21,560]那资产配置也是模糊正确就好

[0:19:21,560 – 0:19:23,560]重点是要留足够现金

[0:19:23,560 – 0:19:25,560]这重点要抓住

[0:19:25,560 – 0:19:26,560]重点要抓住

[0:19:26,560 – 0:19:27,560]懂吗

[0:19:27,560 – 0:19:29,560]这是我在跟你说

[0:19:29,560 – 0:19:30,560] OK

[0:19:30,560 – 0:19:32,560]重点要抓住

[0:19:32,560 – 0:19:37,560]单笔投入很重要

[0:19:37,560 – 0:19:42,560]资产配置模糊的正确

[0:19:42,560 – 0:19:46,560]留现金是重中之重

[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]我们的投资就是要很简单

[0:19:50,560 – 0:19:52,560]你做好资产配置之后

[0:19:52,560 – 0:19:56,560]就是单笔一件市价买进

[0:19:56,560 – 0:20:03,560]单笔一件市价买进

[0:20:03,560 – 0:20:07,560]所以

[0:20:07,560 – 0:20:12,560]我通常投资买进都是

[0:20:12,560 – 0:20:14,560]一件就买完

[0:20:14,560 – 0:20:16,560]就是立即市价买进

[0:20:17,560 – 0:20:21,560]我就不知道还有那么需要纠结

[0:20:21,560 – 0:20:25,560]所以现在开始不要再来问单笔或分批了

[0:20:25,560 – 0:20:28,560]最近已经很多人被我骂了

[0:20:28,560 – 0:20:32,560]就是说你来问我单笔还是分批

[0:20:32,560 – 0:20:36,560]老师我要等一下下跌再买

[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]你这个好好看我们影片

[0:20:41,560 – 0:20:43,560]看一千部影片之后

[0:20:43,560 – 0:20:45,560]再来问这个问题

[0:20:45,560 – 0:20:48,560]还有人就是来老师你

[0:20:48,560 – 0:20:50,560]你不担心美国的这个

[0:20:50,560 – 0:20:54,560]这个次债次那个赤字的问题吗

[0:20:54,560 – 0:20:58,560]老师这个中东还在打仗

[0:20:58,560 – 0:21:02,560]老师这个我是不是应该要等下跌

[0:21:02,560 – 0:21:03,560]现在已经高点了

[0:21:03,560 – 0:21:06,560]我要等下跌再来买杠杆基金

[0:21:06,560 – 0:21:08,560]我要做配置433

[0:21:08,560 – 0:21:10,560]我40%是已经买进去

[0:21:10,560 – 0:21:12,560]我30%的杠杆基金

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

[0:21:15,560 – 0:21:19,560]这种你问这种白痴问题的人

[0:21:19,560 – 0:21:21,560]我一个就把你踢回去

[0:21:21,560 – 0:21:22,560]我跟你讲

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

[0:21:26,560 – 0:21:27,560]懂了吗

[0:21:27,560 – 0:21:30,560]不要把愚蠢的问题当有趣

[0:21:30,560 – 0:21:31,560]懂了吗

[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]那你就好好把我们这个价值

[0:21:38,560 – 0:21:40,560] 10亿元的投资讲座看完

[0:21:40,560 – 0:21:43,560]照这个简单的方式去做

[0:21:43,560 – 0:21:45,560]你什么都不用学

[0:21:45,560 – 0:21:48,560]你把价值10亿元的投资讲座

[0:21:48,560 – 0:21:51,560]好看完很简单的照做就好了

[0:21:51,560 – 0:21:53,560]不要去管市场市场涨跌

[0:21:53,560 – 0:21:55,560]跟我们没关系

[0:21:55,560 – 0:21:57,560]一切都跟我们没关系

[0:21:57,560 – 0:21:59,560]懂吗

[0:21:59,560 – 0:22:01,560]好

[0:22:01,560 – 0:22:04,560]我们进入资产配置

[0:22:04,560 – 0:22:06,560]已经退休的

[0:22:06,560 – 0:22:08,560]而且你资产是够多的

[0:22:08,560 – 0:22:14,560]比如说你的资产是年开销50倍

[0:22:14,560 – 0:22:17,560]也就是说你一年需要10万

[0:22:17,560 – 0:22:19,560]那你有500万

[0:22:19,560 – 0:22:22,560]那500万你每年可以用2%

[0:22:22,560 – 0:22:23,560] 500万2%

[0:22:23,560 – 0:22:27,560]那你提领率就是2%

[0:22:27,560 – 0:22:30,560]那你如果一年要15万

[0:22:30,560 – 0:22:32,560]那你500万

[0:22:32,560 – 0:22:34,560]那你一年要提15万

[0:22:34,560 – 0:22:36,560]那你的提领率就是3%

[0:22:36,560 – 0:22:39,560]就是500万乘上3%

[0:22:39,560 – 0:22:41,560]就是15万

[0:22:41,560 – 0:22:43,560]这提领率是这样子

[0:22:43,560 – 0:22:46,560]只有资产够多的人

[0:22:46,560 – 0:22:50,560]也就是资产差不多是在50倍

[0:22:50,560 – 0:22:53,560]或年开销的33倍的人

[0:22:53,560 – 0:22:56,560]那要用这下面的资产配置

[0:22:56,560 – 0:22:59,560]就是每个月你要提领2%

[0:22:59,560 – 0:23:04,560]那你资产配置就是80%的QQQ

[0:23:04,560 – 0:23:06,560]台湾就是00662

[0:23:06,560 – 0:23:09,560]中国就是513100

[0:23:09,560 – 0:23:12,560]那澳洲欧洲加拿大

[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%就是要留现金

[0:23:20,560 – 0:23:23,560]那现金当然就放在短期债券

[0:23:23,560 – 0:23:25,560]或者货币市场基金

[0:23:25,560 – 0:23:26,560]不要再来问说

[0:23:26,560 – 0:23:30,560]老师我现金可不可以去买高股息

[0:23:30,560 – 0:23:32,560]现金就是现金

[0:23:32,560 – 0:23:34,560]不要自作聪明

[0:23:34,560 – 0:23:36,560]去买高股息

[0:23:36,560 – 0:23:40,560]那现金在美国就是BOXX

[0:23:40,560 – 0:23:42,560]或者是SGOV

[0:23:42,560 – 0:23:46,560]或者是还有SWVXX

[0:23:46,560 – 0:23:48,560]那比较少人用

[0:23:48,560 – 0:23:53,560]股票质押需要提高资产的人才需要用

[0:23:53,560 – 0:23:57,560]那台湾的就是00865B

[0:23:57,560 – 0:23:58,560]这个多个0

[0:23:58,560 – 0:23:59,560] 0865B

[0:24:02,560 – 0:24:04,560]那中国的话

[0:24:04,560 – 0:24:11,560]可以用易方达的这个161115

[0:24:11,560 – 0:24:12,560]好

[0:24:12,560 – 0:24:15,560]那如果提领率需要多一点的

[0:24:15,560 – 0:24:16,560]要3%的人

[0:24:16,560 – 0:24:20,560]那资产配置就是70%的QQQ

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

[0:24:23,560 – 0:24:25,560]现金要30%

[0:24:25,560 – 0:24:28,560]那就是货币市场基金

[0:24:28,560 – 0:24:30,560]一样BOXX

[0:24:30,560 – 0:24:32,560]或者是SGOV在美国

[0:24:32,560 – 0:24:38,560]那在台湾就是现金部位就放在00865B

[0:24:41,560 – 0:24:42,560]好

[0:24:42,560 – 0:24:44,560]这个是已经退休的

[0:24:44,560 – 0:24:47,560]那资产比较多的人

[0:24:47,560 – 0:24:51,560]那这个就是我们模拟过的结果了

[0:24:51,560 – 0:24:54,560]那你看这个都可以活得还不错

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

[0:24:56,560 – 0:24:59,560]可是你提领率超过3%

[0:24:59,560 – 0:25:02,560]就是比如说你要提领3.5%的话

[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]那这样65%

[0:25:06,560 – 0:25:09,560]这样效率不高

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

[0:25:12,560 – 0:25:14,560]就是35%的QQQ

[0:25:14,560 – 0:25:15,560] 65%现金

[0:25:15,560 – 0:25:17,560]这个效率不好

[0:25:17,560 – 0:25:20,560]所以我们就是

[0:25:20,560 – 0:25:23,560]你如果提领率在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]超过3%的

[0:25:30,560 – 0:25:33,560]那你要用另外高股息的资产配置

[0:25:35,560 – 0:25:39,560]已经退休提领率在2%到3%

[0:25:39,560 – 0:25:41,560]质押借款的资产配置

[0:25:41,560 – 0:25:43,560]假设你想要质押借款

[0:25:43,560 – 0:25:44,560]那你一样

[0:25:44,560 – 0:25:46,560]每个月提领2%的

[0:25:46,560 – 0:25:49,560]你资产配置一样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]这个应该是要聪明再平衡

[0:26:02,560 – 0:26:04,560]这个应该是要聪明再平衡

[0:26:04,560 – 0:26:06,560]每年要聪明再平衡

[0:26:11,560 – 0:26:13,560]每年聪明再平衡

[0:26:13,560 – 0:26:17,560]聪明再平衡很简单

[0:26:18,560 – 0:26:20,560]没有这个应该是不用聪明

[0:26:20,560 – 0:26:21,560]因为你这里没有

[0:26:21,560 – 0:26:22,560]你没有杠杆基金

[0:26:22,560 – 0:26:23,560]不用聪明再平衡

[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]这样简单

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

[0:26:29,560 – 0:26:31,560]那你股票质押借款

[0:26:31,560 – 0:26:33,560]不用就是每年还是平衡

[0:26:33,560 – 0:26:36,560]回到80% 20%就对了

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

[0:26:39,560 – 0:26:40,560] 3%的话

[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]那中国是没有股票质押的

[0:26:48,560 – 0:26:50,560]所以这里写中国51310

[0:26:50,560 – 0:26:52,560]但中国没有股票质押

[0:26:52,560 – 0:26:55,560]就不用考虑这个

[0:26:55,560 – 0:26:58,560]那35%的短期债券

[0:26:58,560 – 0:27:01,560]那这样可以质押借3%的

[0:27:02,560 – 0:27:04,560]股票质押借款

[0:27:04,560 – 0:27:06,560]每年做再平衡

[0:27:06,560 – 0:27:09,560]无脑再平衡的就可以了

[0:27:09,560 – 0:27:10,560]无脑再平衡就好

[0:27:10,560 – 0:27:11,560]不用聪明

[0:27:11,560 – 0:27:14,560]我们现在投资都改得很简单

[0:27:14,560 – 0:27:17,560]一般人你如果没有什么花俏

[0:27:17,560 – 0:27:18,560]就用这样就很简单

[0:27:18,560 – 0:27:20,560]你也不用再去学什么

[0:27:20,560 – 0:27:21,560]其他的

[0:27:21,560 – 0:27:24,560]我们已经把整个资产配置

[0:27:24,560 – 0:27:27,560]不管质押不质押都弄得很简单

[0:27:29,560 – 0:27:31,560]这个就模拟的结果

[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]那就没有效率了

[0:27:42,560 – 0:27:45,560]当然你说我还是要股票质押

[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]可是你的资产配置就是要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的现金

[0:27:55,560 – 0:27:56,560]你可以借5%

[0:27:56,560 – 0:28:00,560]可是你的资产可能就增值的很缓慢

[0:28:00,560 – 0:28:01,560]就没有必要

[0:28:01,560 – 0:28:05,560]你可以用下面这个不质押借款的

[0:28:05,560 – 0:28:09,560]那可以用高股息来取得现金流的方式

[0:28:10,560 – 0:28:12,560]好后面就是你资产不够

[0:28:12,560 – 0:28:17,560]而且你每年提领率超过3%的人

[0:28:18,560 – 0:28:21,560]你就是要先计算出每年的开销

[0:28:21,560 – 0:28:25,560]再从每年开销计算出一个月的开销

[0:28:25,560 – 0:28:28,560]那表示说你

[0:28:28,560 – 0:28:30,560]一个月需要5万

[0:28:30,560 – 0:28:32,560]一年要60万

[0:28:32,560 – 0:28:34,560]一个月要5万台币的人

[0:28:35,560 – 0:28:38,560]那你就要5万乘上100倍

[0:28:38,560 – 0:28:39,560]那你就要有500万

[0:28:39,560 – 0:28:41,560]先要放在QQQI

[0:28:41,560 – 0:28:46,560]每个月拿到1%的股息过生活

[0:28:46,560 – 0:28:50,560]所以你把它以每个月需要的生活费

[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]之后剩下的70%跟30%

[0:28:58,560 – 0:29:00,560]做好资产配置

[0:29:00,560 – 0:29:01,560]剩下的

[0:29:02,560 – 0:29:05,560]投资完QQQI之后

[0:29:05,560 – 0:29:06,560]剩下的资金

[0:29:06,560 – 0:29:09,560]你70%投资QQQI

[0:29:09,560 – 0:29:10,560] 00662

[0:29:11,560 – 0:29:14,560] 30%投资货币市场基金

[0:29:16,560 – 0:29:18,560] 00865B

[0:29:20,560 – 0:29:21,560]这样就可以了

[0:29:21,560 – 0:29:24,560]那因为你是股息

[0:29:24,560 – 0:29:26,560]你已经有股息过日子的

[0:29:26,560 – 0:29:28,560]所以其实你不会从这

[0:29:28,560 – 0:29:32,560]其余的资产70% 30%拿来过生活

[0:29:32,560 – 0:29:34,560]所以这个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]因为你就不要动它

[0:29:40,560 – 0:29:42,560]你当做这个是一个

[0:29:43,560 – 0:29:46,560]资产增值的加速器

[0:29:47,560 – 0:29:50,560]大部分这个应该都会变成遗产的

[0:29:50,560 – 0:29:53,560]这部分因为你QQQI部分就足够

[0:29:53,560 – 0:29:54,560]你生活了

[0:29:55,560 – 0:29:58,560]除非你有紧急需要100万200万

[0:29:58,560 – 0:30:00,560]那当然就是从这70%

[0:30:00,560 – 0:30:04,560] 30%这里面去花用

[0:30:05,560 – 0:30:07,560]这就是你

[0:30:07,560 – 0:30:10,560]滴波率超过3%的人

[0:30:10,560 – 0:30:12,560]的资产配置

[0:30:13,560 – 0:30:17,560]所以我们今天应该都这样就讲完了

[0:30:19,560 – 0:30:20,560]很简单

[0:30:20,560 – 0:30:22,560]资产配置没有什么复杂

[0:30:22,560 – 0:30:24,560]我们也不配杠杆基金

[0:30:24,560 – 0:30:26,560]就这样子就可以了

[0:30:26,560 – 0:30:27,560]也不用

[0:30:27,560 – 0:30:29,560]聪明在平

[0:30:29,560 – 0:30:32,560]你就是如果有股票质押

[0:30:32,560 – 0:30:34,560]你就无脑在平衡就好了

[0:30:36,560 – 0:30:37,560]那

[0:30:38,560 – 0:30:39,560]今天就到这里

[0:30:39,560 – 0:30:42,560]那留言板有我们的讲义

[0:30:43,560 – 0:30:44,560]可以去拿

[0:30:45,560 – 0:30:49,560]那因为有人说他要给小孩子看英文

[0:30:49,560 – 0:30:53,560]因为那个谁陈峰那边都有

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

[0:30:56,560 – 0:31:00,560]把那个语音的内容转成文字

[0:31:01,560 – 0:31:04,560]所以我建议你们去那边拿他的文字稿

[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]我有机会陈峰做完

[0:31:11,560 – 0:31:13,560]我会把那个文字稿贴到留言板

[0:31:13,560 – 0:31:16,560]你把那文字稿给他拷贝下来

[0:31:16,560 – 0:31:19,560]请那个check gpt帮你翻成英文

[0:31:20,560 – 0:31:23,560]你就可以提供给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]我想这样就好了

[0:31:27,560 – 0:31:31,560]我每次要去帮你转英文档有点麻烦

[0:31:32,560 – 0:31:36,560]我会把陈峰的这个转档的资料

[0:31:36,560 – 0:31:39,560]文字档的资料贴上来

[0:31:40,560 – 0:31:41,560]可能晚一天吧

[0:31:41,560 – 0:31:44,560]因为陈峰也要处理一下才贴上来

[0:31:45,560 – 0:31:46,560]好

[0:31:46,560 – 0:31:48,560]那就先这样

[0:31:48,560 – 0:31:49,560]如果有问题的话

[0:31:49,560 – 0:31:50,560]写email给我

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

[0:31:53,560 – 0:31:58,560]那我们今天的资产配置的分享就先到这里

[0:31:59,560 – 0:32:01,560]那下一次我们要谈的

[0:32:02,560 – 0:32:03,560]再想想看有什么

[0:32:03,560 – 0:32:06,560]可能我们要讲的是世界金融吧

[0:32:07,560 – 0:32:10,560]那如果还有其他你们想听的

[0:32:11,560 – 0:32:12,560]想要知道的

[0:32:12,560 – 0:32:15,560]想要让我放在第一堂课说明的

[0:32:15,560 – 0:32:19,560]那你们可以留言或写email给我

[0:32:19,560 – 0:32:22,560]那我在考虑把它做一个chapter来说明

[0:32:23,560 – 0:32:25,560]好那我们就先这样

[0:32:25,560 – 0:32:26,560]谢谢大家