财富捷径
计算机博士，硅谷程序员。喜欢理财、读书、健身。
正文
最近一段时间，有不少朋友询问我关于投资理财方面的书籍。
今天，我就简单列一下我读过的这个领域的重量级书籍，仅供大家参考。
这些书籍的英文版，可以在亚马逊、Google Books等平台购买。中文版可以从“微信读书”App等平台获取。
一、投资技术
- 1. 《The Simple Path To Wealth》。中文版叫《简单致富》
- 2. 《The Bogleheads' Guide To Investing》。目前没有简体中文版。
- 3. 《The Little Book of Common Sense Investing》。作者就是指数基金之父、先锋集团创始人约翰·博格。中文版叫《投资稳赚》。
- 4. 《A Random Walk Down Wall Street》。中文版是《漫步华尔街》。
- 5. 《The Intelligent Investors》。作者就是股神巴菲特的老师格雷厄姆。中文版是《聪明的投资者》。
- 6. 《One Up On Wall Street》。作者是基金界不世出的天才彼得·林奇。中文版是《战胜华尔街》。
二、投资理财理念
- 1. 《Secrets of the Millionaire Mind》。中文版叫《有钱人和你想的不一样》。
- 2. 《The Millionaire Next Door》。中文版是《邻家的百万富翁》。
- 3. 《The Psychology Of Money》。中文版为《金钱心理学》。
三、经济学、金融学、会计学等
- 1. 《Freaknomics》系列。中文版是《魔鬼经济学》。
- 2. 《The Wealth Of Nations》。这是现代经济学的开山之作，作者是亚当·斯密。中文叫《国富论》。
- 3. 《The General Theory of Employment, Interest and Money》。作者为凯恩斯。这是过去一百年最具影响力的经济学著作之一。中文版叫《就业、利息和货币通论》。
- 4. 《The Road To Serfdom》。作者为诺贝尔经济学奖得主哈耶克。中文版是《通向奴役之路》。
- 5. 《The Accounting Game》。中文版叫《世界上最简单的会计书》。
- 6. 《Why Nations Fail》。作者们最近获得诺贝尔经济学奖。中文版是《国家为什么会失败？》。
四、相关历史
- 1. 《The Power Law》。中文版叫《风险投资史》。
- 2. 《The Great Game: The Emergence of Wall Street as a World Power》。中文版叫《伟大的博弈：华尔街金融帝国的崛起》。
标普500指数从最高点下跌了7%左右，是再正常不过的波动。我是继续加仓的。
我不愿意评价政府的政策；它们超出了我的控制能力。我能够做的，就是如何应对。
我以前写过文章，“在2000年的高点进场”,你可以看看。
在当下，分几个月投完100万，应该足够好了。换成我，我会一次投完的。
我们需要了解很多理财话题的基础知识，比如股市、指数、指数基金、债券、401k、IRA、人寿保险、信托等等，我们还要知道股市的历史数据等等。
定投只是股市投资的办法。但是，投资理财需要学习的知识太多了。
哈哈哈，这几个点的下跌，根本就是毛毛雨啊。股市跌20%甚至30%，才叫大跌。
我不关心在意短期的股市波动。我是每个月闭着眼睛、把银行里的闲钱都投进去买基金。
谢谢分享书单。
我建议投澳交所的基金就好了，简单方便。不用考虑其它基金了。
可以把资金分成十份，每个星期投一份。
年轻真好！只要坚持投资指数，你肯定会成功的！
谢谢水星兄！
谢谢补充！这种总结可以帮你大致了解书的主旨，但是细节还是要好好读书的。
summarize key points from book "The Simple Path To Wealth"
JL Collins’ The Simple Path to Wealth is a highly regarded personal finance book that simplifies the path to financial independence and wealth building. Here are the key takeaways from the book:
1. The Importance of Financial Independence (FI)
Financial independence means having enough wealth to cover your expenses without relying on a job.
The goal is to have "F-You Money," which allows you to make choices freely without financial stress.
2. The Power of Saving and Investing
The book emphasizes the importance of living below your means and saving a significant portion of your income.
Aim to save at least 50% of your income if possible.
The earlier you start investing, the better, due to the power of compound interest.
3. Avoid Debt Like the Plague
Debt is the biggest obstacle to wealth-building.
Pay off high-interest debt aggressively.
Use credit cards wisely (pay in full every month) and avoid car loans and other unnecessary liabilities.
4. Keep Investing Simple
The best way to invest is to keep it simple and low-cost.
Collins advocates for index fund investing, particularly Vanguard’s VTSAX (Total Stock Market Index Fund).
Active stock picking, market timing, and frequent trading lead to poor results over time.
5. The Stock Market and Investing Strategy
The stock market is volatile in the short term but grows over time.
Rather than trying to predict the market, keep investing consistently.
Stay invested even during market downturns.
The 4% Rule: Withdraw 4% per year from your portfolio in retirement to sustain it over decades.
6. Asset Allocation
In the early stages of wealth building, 100% in stocks (VTSAX) is recommended.
As you approach retirement or need stability, introduce bonds (VBTLX – Vanguard Total Bond Market Index Fund).
A common split for retirees is 75% stocks / 25% bonds or adjusting based on personal risk tolerance.
7. The Importance of F-U Money
Having financial independence allows you to make life choices without financial fear.
It provides security and freedom, whether you want to quit a job, travel, or retire early.
8. Simplicity Over Complexity
Most financial advisors and complex strategies are unnecessary.
A simple, automated investment strategy with low-cost index funds is the most efficient way to grow wealth.
9. Tax-Advantaged Accounts
Max out tax-advantaged accounts like 401(k), IRA, and HSA.
Invest in taxable accounts after maxing out tax-advantaged ones.
10. Ignore the Noise
The financial media thrives on fear and excitement; ignore daily market news.
Stick to your plan and don’t react emotionally to market fluctuations.
Conclusion
The book’s core message is “spend less than you earn, invest the difference in index funds, and let compounding work for you.” By following this simple approach, financial freedom is achievable for anyone willing to stay disciplined and patient.
谢谢硅谷精英居士分享精华。
谢谢你的支持和认可！
谢谢推荐！我抽时间读读。
哈哈哈，每个家庭的情况都不一样。但是，只要遵循正确的理财方法，基本都能实现财务自由的。
这是基本原理。但是，你还需要了解具体细节，比如401k，IRA，债券，指数基金，保险等等。