貧居鬧市無人問,富在深山有遠親。不信且看杯中酒,杯杯先敬有錢人。
--《增廣賢文》
四年前,我在微信裏建了一個投資理財群,指導三個大陸的親戚朋友投資美股指數基金。
兩年前,群裏的人數突破了50人。我為了給群裏的親戚朋友看看“慢慢致富”的成功案例,就在群裏曬了我家的曆年投資收益率和家庭資產狀況。
榜樣的力量是無窮的!不僅群裏的朋友開始大規模投資美股基金,包括標普500指數基金(比如513500)和納斯達克指數基金(比如513100),我的哥哥姐姐們以及他們的孩子,無論身在農村還是城市,哪怕家裏隻有幾萬元閑錢,也紛紛拿出來投資這些美股基金。
到了今天,他們中的很多人,都取得不菲的收益,有些甚至接近100%!我們的大家族,瞬間成了我們老家的“股神家族”。
比如,兩天前,最早跟著我學習投資股市的表姐,在微信裏跟我抱怨說:老家大嫂不知道聽誰說的,硬是說她跟著我在股市裏掙了上千萬元。這些“謠言”,讓她非常不舒服!
我說:你離那個數字也差不了多少了。人家也沒有冤枉你啊!
她說:你出國太久了,根本不知道中國的國情!有些老家人仇富,知道你有錢了,他們會羨慕嫉妒恨!
這句話讓我心裏犯了狐疑,也讓我開始質疑自己先前的“炫富”行為。
記得前些日子,看到我的這個投資理群的人數已經超過140人了,我想再次更新自己的投資成績和資產狀況,給新來的網友打個雞血。我的一個初中女同學私信裏警告我:千萬不要再分享具體資產數字!她還簡單提了幾個理由,但是我不敢苟同。
我一向認為自己是個思想單純的農村孩子;我覺得真誠分享投資成績和家庭資產無可厚非。但是,她的提醒讓我再次審視自己的認知。
現在流行AI,我就問Google Gemini:“為什麽不要在網上公布個人資產?”
下麵是Gemini的答案。我覺得比我同學的回答更全麵。我決定痛定思痛,不再發表家庭資產的具體數字!這既避免不必要的麻煩,也為了保護自己。
1. 隱私安全風險
2. 人身安全風險
3. 社交和心理風險
4. 其他風險
總而言之,在網上公布個人資產存在諸多風險,保護個人隱私和安全至關重要。建議謹慎考慮是否在網上分享任何敏感信息,包括個人資產信息。
建議:
延伸閱讀:
我沒有更好的辦法;認知決定命運。也許你可以把你的投資收益跟他們分享一下;大部分人不會跟錢過不去。
謝謝阿迪的好建議!我以後會更加小心。
我一再告誡國內的家人親戚,不要輕易得罪任何人,尤其是窮人和沒希望的人,甚至讓家人情願吃虧也不要較真。
謝謝來訪和提醒!
這樣也好。無欲則剛。
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
這是金玉良言啊!謝謝提醒。
我家LD一直跟我說,在網上盡量不要提具體數字,無論是吃的飯,住的酒店或任何東西,采取模糊哲學。。。。:)
經營公司,的確風險很大。投資股票基金,要穩妥很多。
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麵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麵學知識是個“隻進不出”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.)
謝謝你的理解和支持!
矽穀居士博主聰明善良,慷慨分享自己多年積累領悟的理財精髓,難能可貴。相信絕大部分網友都特別appreciate your generous sharing. 可是總有陰險小人別有用心。。。還是錦衣夜行,先保護自己和家人為上策
謝謝!授人以魚,不如授之以漁。
謝謝大俠!
活到老,學到老!謝謝指點。
的確如此。我以前分享太多,忽略了人性中的“陰暗麵”。
每個人的投資經曆,除了具體的投資策略和方法,更重要的是個人和家庭的同步成長。個人和家庭的特質,其實是硬幣的另一麵。分享投資時,不免要涉及個人隱私,讓自己和家人暴露在人性麵前。所以,適當的保護隱私,保護自己和家庭是非常有必要的。
謝謝分享,祝感恩節快樂,全家安康!
謝謝!朝聞道,夕死可矣!人情世故方麵,我的確需要學習更多的東西。
哈哈,好久不見了!謝謝來訪!我現在對投壇有一種畏懼感,不想去找不痛快。
謝謝來訪!是啊,人性太複雜了。
唉,為誠實的人們歎一口氣;為這個複雜的社會再歎一次,唉 。。。
謝謝分享!
謝謝水星兄捧場!
哈哈哈,我的博客裏的理財文章,就是寫給我老家的那些親戚朋友的。你可以好好看看!
謝謝建議!這是一個好辦法。我的基金持倉非常簡單,隻有兩個指數基金,因此通過簡單的計算也可以實現。
我以後會公布持倉的增長率,而不是具體的美元數字,這就規避了大多數的問題。