攻vs守

今天和一位客戶review, 他計劃今年底退休；........這位客戶對以前多年的回報一直很滿意；但覺得今年比市場低而且投資產品很是分散；經過一番仔細研究，他總結“我明白了，年輕時要攻，也經得起分險，所以你選股比較大膽；去年我們決定了退休時間，你就轉向守；寧不賺錢決不虧錢，守比攻難；你的策略靠分散產品來減小風險"

精辟！！能把客戶練成此段，我是不是應該很自豪！

Buffet的一段話

 

"Diversification may preserve wealth, but concentration builds wealth".

"Diversification is protection against ignorance, it makes little sense for those who know what they are doing.”

一位網友的添油加醋 - If you don't know what you are doing, concentration can destroy wealth much faster. 

Diversification is great for passive investment. Active participation, real estate or trading, turns passive investment into actively running a business essentially.