贫居闹市无人问,富在深山有远亲。不信且看杯中酒,杯杯先敬有钱人。
--《增广贤文》
四年前,我在微信里建了一个投资理财群,指导三个大陆的亲戚朋友投资美股指数基金。
两年前,群里的人数突破了50人。我为了给群里的亲戚朋友看看“慢慢致富”的成功案例,就在群里晒了我家的历年投资收益率和家庭资产状况。
榜样的力量是无穷的!不仅群里的朋友开始大规模投资美股基金,包括标普500指数基金(比如513500)和纳斯达克指数基金(比如513100),我的哥哥姐姐们以及他们的孩子,无论身在农村还是城市,哪怕家里只有几万元闲钱,也纷纷拿出来投资这些美股基金。
到了今天,他们中的很多人,都取得不菲的收益,有些甚至接近100%!我们的大家族,瞬间成了我们老家的“股神家族”。
比如,两天前,最早跟着我学习投资股市的表姐,在微信里跟我抱怨说:老家大嫂不知道听谁说的,硬是说她跟着我在股市里挣了上千万元。这些“谣言”,让她非常不舒服!
我说:你离那个数字也差不了多少了。人家也没有冤枉你啊!
她说:你出国太久了,根本不知道中国的国情!有些老家人仇富,知道你有钱了,他们会羡慕嫉妒恨!
这句话让我心里犯了狐疑,也让我开始质疑自己先前的“炫富”行为。
记得前些日子,看到我的这个投资理群的人数已经超过140人了,我想再次更新自己的投资成绩和资产状况,给新来的网友打个鸡血。我的一个初中女同学私信里警告我:千万不要再分享具体资产数字!她还简单提了几个理由,但是我不敢苟同。
我一向认为自己是个思想单纯的农村孩子;我觉得真诚分享投资成绩和家庭资产无可厚非。但是,她的提醒让我再次审视自己的认知。
现在流行AI,我就问Google Gemini:“为什么不要在网上公布个人资产?”
下面是Gemini的答案。我觉得比我同学的回答更全面。我决定痛定思痛,不再发表家庭资产的具体数字!这既避免不必要的麻烦,也为了保护自己。
1. 隐私安全风险
2. 人身安全风险
3. 社交和心理风险
4. 其他风险
总而言之,在网上公布个人资产存在诸多风险,保护个人隐私和安全至关重要。建议谨慎考虑是否在网上分享任何敏感信息,包括个人资产信息。
建议:
延伸阅读:
谢谢阿迪的好建议!我以后会更加小心。
我一再告诫国内的家人亲戚,不要轻易得罪任何人,尤其是穷人和没希望的人,甚至让家人情愿吃亏也不要较真。
谢谢来访和提醒!
这样也好。无欲则刚。
不過說起來,當時他們想買下來的那個位置——你猜後來怎麽樣如了?
When that dude was fired he was pissed like hell, so he kept all the papers (tax, legal etc...everything) and stored in my garage (you know how Nordic countried are: too much waste of paper on everything), so when hedecided to leave for good, I "inherited" all those papers.
It was no use to me either, except eating dust in my (now former) apartment, and it was then I just started my docent-ship so moved it to my new-office.
Now the funny thing here is: Our professor-in-charge was looking for a "new joint" for our "House", and he was shocked to find out there's that nice place available - and I told him the same story I wrote here...and you can guess the rest.
Now the place's college-property LOL
这是金玉良言啊!谢谢提醒。
我家LD一直跟我说,在网上尽量不要提具体数字,无论是吃的饭,住的酒店或任何东西,采取模糊哲学。。。。:)
经营公司,的确风险很大。投资股票基金,要稳妥很多。
我是個借學債讀書的人,當時可是天天想著偺點錢還錢。而留學僧們可是家裏給的錢,最起碼來的時候簽證面試就保證已經有錢了。而他們居然能覺得我‘應該家裡很有錢’(you know my folks' story...yeah)
Well, how did it went? for start: Slow....really really slow. And not very promising - once he was outspent his money & bankrupt so he even "borrowed" all my empty Cola-cans (you can exchange for money in supermarkets by recycle - and can be used to pay in those supermarkets) - he was made "CFO" of that 土老財.
Anyway...it was from late at least 07 to 11-12 that old-man's business was finally in place, then came the interesting part: The Man died, of "exitment" after came out of the immigration office to collect his PR-card.
(壞壞姐 was on shift that very day when this happened and she handled the 土老財's final moment, she told me later acturally the diagnos given was: "A boring workaholic man finally relaxed his mind too much, the heart can't handle the relaxation from stress")
And so the dude bought 2 bottle of vodka and drank with me to "talk philosophy", and he concluded: 有錢沒命花有啥用啊……so he gave up his own plan of immigration too, and went back to mainland China - I donno how he's holding up now.
He thought of the early days when tried to bring me in (he thought I didn't have PR then), and I said no, citing "謀事在人,可成事在天啊……你也說了,能不能100%成功都是問號。最起碼我在象牙塔裏面學知識是個“只進不出”的買賣"——he didn't believe his ears then...
But after his boss died (and his boss' family took over, and fired him - the company went bankrupt in less than a year after - caz they don't have anyone knows how to deal with local agencies on tax and financing etc.)
谢谢你的理解和支持!
硅谷居士博主聪明善良,慷慨分享自己多年积累领悟的理财精髓,难能可贵。相信绝大部分网友都特别appreciate your generous sharing. 可是总有阴险小人别有用心。。。还是锦衣夜行,先保护自己和家人为上策
谢谢!授人以鱼,不如授之以渔。
谢谢大侠!
活到老,学到老!谢谢指点。
的确如此。我以前分享太多,忽略了人性中的“阴暗面”。
每个人的投资经历,除了具体的投资策略和方法,更重要的是个人和家庭的同步成长。个人和家庭的特质,其实是硬币的另一面。分享投资时,不免要涉及个人隐私,让自己和家人暴露在人性面前。所以,适当的保护隐私,保护自己和家庭是非常有必要的。
谢谢分享,祝感恩节快乐,全家安康!
谢谢!朝闻道,夕死可矣!人情世故方面,我的确需要学习更多的东西。
哈哈,好久不见了!谢谢来访!我现在对投坛有一种畏惧感,不想去找不痛快。
谢谢来访!是啊,人性太复杂了。
唉,为诚实的人们叹一口气;为这个复杂的社会再叹一次,唉 。。。
谢谢分享!
谢谢水星兄捧场!
哈哈哈,我的博客里的理财文章,就是写给我老家的那些亲戚朋友的。你可以好好看看!
谢谢建议!这是一个好办法。我的基金持仓非常简单,只有两个指数基金,因此通过简单的计算也可以实现。
我以后会公布持仓的增长率,而不是具体的美元数字,这就规避了大多数的问题。