[理財觀念] 了解合理的投資報酬率

在進行投資之前，應該對投資報酬率有正確的理解才不會有不切實際的幻想。

現金流投資： 保守、較安全的投報率範圍： 4-7%/年

ETF： 以美國標普500的走勢，年化報酬率約 7-12%

價值投資： 依靠自己的選股能力

 

以台灣定存的利率 ~1%，巴菲特的長期年化報酬率~20%當上下限，我對自己的理財期許是長期、穩定的6%投報率

下圖是各種投資標的風險

 

近期台灣出現很多鼓勵存股的文章，筆者以長期投資為目標，當然也同意長期存股這種觀點。只是很大部分的這些文章會把存股的投報率嚴重膨風，我認為這會帶給投資人錯誤的期待，期待越大、失望也越大，最後的財富自由之路就走偏了。其實以下圖來看，在不開槓桿的情況下，長期的年化投報率能撐到10-15%就已經遠高於平均。若想再往上拉，依靠的就是價值投資─選股能力。但筆者認為價值投資所需要的選股能力難度很高，筆者也正在摸索之中。其實，財富自由本來就不是一件容易的事情，如果3-5年就可以輕易達到財富自由，那路上就不會一堆人還在繼續當社畜囉~

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