投资理财的十年真经

投资理财的十年真经
by bayfamily

投资理财其实很简单， 就这么几件事。

1）每月按出而出，千万别按入为出。 年轻时只花该花的钱， 无论挣多少。

2）年轻多积累，45岁以后可以多享受。别买好车，特别是原始资本积累的时候。

3）长线投资，没什么比房产更好了。无论从税收，回报来看。不服气的我可以拿数据和你必。房价增幅稳定，可以有大的leverage. 加上房租，没有任何其他投资可比。 优先次序是：中国，美国快速发展的地方，Fairfax, bayarea, DC, NYC，LA, etc. 一有余钱，就贷款四倍买房，慢慢积累。

4) 买房子麻烦，想省事的话，买了自住房后，多出的钱买股票吧。 优先次序是：Roth, 401K, 529K. 再有钱， 赌运气玩option, 长线买index，有内线消息玩个股。

5）房产高回报，要有大的leverage, 需要稳定的投资环境，夫妻感情不好，赶紧离，找个稳定的过日子。时间耽误不起。到四十岁再积累，太累。

6）年青时多贷款，愈多越好。需要永远保持贷款总额在你所有年现金流的三倍以上，切记切记。

7) 有小孩的， 买个term保险，sign个will. 千万别听任何其他的投资理财师的建议。


差不多就这7条， 有什么忘了，各位提醒一下。 开源吗，大家各显神通吧。 有技术的，开公司，数学好的，改金融，会来事的，作房产经纪。

什么都不会的，打工享受生活吧，按如上7条，十年后，你的日子绝对不差。

所有跟贴:
• 回复：投资理财的十年真经 -mucho_mamasita- ♂   (111 bytes) (750 reads) 2/15/07  • 没错，弯曲的百万富翁很多很多 -bayfamily-   (63 bytes) (413 reads) 2/15/07  • 回复：没错，弯曲的百万富翁很多很多 -mucho_mamasita- ♂   (110 bytes) (349 reads) 2/15/07  • but they are still 百万富翁 -BayFamily-   (0 bytes) (46 reads) 2/15/07  • Excellent! -cultuslake- ♂   (0 bytes) (19 reads) 2/15/07  • 专心能做好一样就不错了。 -cultuslake- ♂   (52 bytes) (189 reads) 2/15/07  • 对呀，要专心持久 -BayFamily-   (0 bytes) (17 reads) 2/15/07  • 有道理. -shn888- ♂   (0 bytes) (12 reads) 2/15/07  • 蛮实在的. -喜欢就好- ♀   (0 bytes) (8 reads) 2/15/07  • 贷款那天非常赞同 -loulan- ♀   (0 bytes) (31 reads) 2/15/07  • 俺也顶一个！ -小小石头- ♂   (0 bytes) (8 reads) 2/15/07  • Good suggestions!. -A-mao- ♂   (0 bytes) (4 reads) 2/15/07  • 好，咱就照你说的做 -谷米- ♀   (0 bytes) (11 reads) 2/15/07  • 中心思想是买房??? 越多越好 -左右为难a- ♂   (146 bytes) (409 reads) 2/15/07  • 回复：中心思想是买房??? 越多越好 -左右为难a- ♂   (346 bytes) (306 reads) 2/15/07  • 未来的十年? go to my blog and check the data -bayfamily-   (106 bytes) (266 reads) 2/15/07  • How to go to your blog? -左右为难a- ♂   (53 bytes) (44 reads) 2/15/07  • here it is -bayfamily-   (51 bytes) (204 reads) 2/15/07  • 哈哈哈！问的好！！！要答好你的问题得耒一篇博士论文。 -小小石头- ♂   (0 bytes) (18 reads) 2/15/07  • 赶紧写啊，还等什么啊 -表情符号- ♀   (0 bytes) (4 reads) 2/15/07  • 嘿嘿！小声问一句有稿费么？ -小小石头- ♂   (0 bytes) (3 reads) 2/15/07  • 我去筹备 -表情符号- ♀   (22 bytes) (25 reads) 2/15/07  • ~_~.........................! -小小石头- ♂   (0 bytes) (2 reads) 2/15/07  • 两个米粒就够了，他也不需要投资了。哈哈 -左右为难a- ♂   (0 bytes) (3 reads) 2/15/07  • 两个米粒不多，我有! -表情符号- ♀   (38 bytes) (46 reads) 2/15/07  • 你厉害啊，不过呢，你有也不一定愿意给小石头同志啊 -左右为难a- ♂   (0 bytes) (2 reads) 2/15/07  • 这、这、这、、、俺只能自备干粮了。 -小小石头- ♂   (0 bytes) (2 reads) 2/15/07  • Next 10 years, house will still double, BUT -miat42- ♂   (498 bytes) (169 reads) 2/15/07  • that is why long term investment is important -bayfamily-   (96 bytes) (68 reads) 2/15/07  • Right, but not sure how you do that in Bay area -miat42- ♂   (132 bytes) (78 reads) 2/15/07  • 真经啊! -表情符号- ♀   (0 bytes) (9 reads) 2/15/07  • very good - but wish you said it's -NeverFollow- ♂   (30 bytes) (68 reads) 2/15/07  • Take a look at this chart -it888-   (417 bytes) (208 reads) 2/15/07  • Search for similiar charts at -it888-   (13 bytes) (46 reads) 2/15/07  • why roth before 401k? -ilgarden- ♀   (0 bytes) (28 reads) 2/15/07  • why save in Roth before 401k? -bayfamily-   (670 bytes) (83 reads) 2/15/07  • Q regarding Roth 401K -JR98- ♂   (104 bytes) (14 reads) 3/16/07  • 回复：投资理财的十年真经 -didio- ♂   (5 bytes) (47 reads) 2/15/07

[BayFamily]

please read my article carefully. I never suggest people to invest blindly. You can make whatever the lifestyle if you feel comfortable. I am not saying one lifestyle is better than others.

If you do not read carefully, it is not my fault.

[HCC]

>>>6）年青时多贷款，愈多越好。需要永远保持贷款总额在你所有年现金流的三倍以上，切记切记。

Could you elaborate on this?

[iamhereforfun]

It is right to keep investment in your mind. But if you don't enjoy life when you are young, only keep mimimal cash in hands and put all the money down to other stuff. Then you can't travel much, can't do lot of things, all your nerve is straned on the market, then what's the meaning of your life ? Just a slave of money, and that still only counts on your luck, if you happen to run into a stock market crash down or housing market crash down, then you miss the whole thing in your life... Won't you regret for that ?

[iamhereforfun]

what qualifies you to make these naive suggestion ? I know many people bought many properties and now are seeing their prices keeping going down and going down, and they firmly hold the book titled "Do you miss the housing boom" by David Lereah.. One guy can't accept the fact that every month he has to take few thousand $$ out of pocket to cover the mortgage and he is just an average man with average income...

Every investment has a potential to earn and lose, it is all about timing. We should never be mechanic. Your principle is like teaching people to close their eyes and do it... Remember it is all about timing..

[imagine45]

没有任何评论???I like all your money ideas , the best one is ---$10,000,000family within 10 years, I'm a REAL estate agent, i know it s for real