財富捷徑
計算機博士，矽穀程序員。喜歡理財、讀書、健身。
正文
最近一段時間，有不少朋友詢問我關於投資理財方麵的書籍。
今天，我就簡單列一下我讀過的這個領域的重量級書籍，僅供大家參考。
這些書籍的英文版，可以在亞馬遜、Google Books等平台購買。中文版可以從“微信讀書”App等平台獲取。
一、投資技術
- 1. 《The Simple Path To Wealth》。中文版叫《簡單致富》
- 2. 《The Bogleheads' Guide To Investing》。目前沒有簡體中文版。
- 3. 《The Little Book of Common Sense Investing》。作者就是指數基金之父、先鋒集團創始人約翰·博格。中文版叫《投資穩賺》。
- 4. 《A Random Walk Down Wall Street》。中文版是《漫步華爾街》。
- 5. 《The Intelligent Investors》。作者就是股神巴菲特的老師格雷厄姆。中文版是《聰明的投資者》。
- 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《戰勝華爾街》。
二、投資理財理念
- 1. 《Secrets of the Millionaire Mind》。中文版叫《有錢人和你想的不一樣》。
- 2. 《The Millionaire Next Door》。中文版是《鄰家的百萬富翁》。
- 3. 《The Psychology Of Money》。中文版為《金錢心理學》。
三、經濟學、金融學、會計學等
- 1. 《Freaknomics》係列。中文版是《魔鬼經濟學》。
- 2. 《The Wealth Of Nations》。這是現代經濟學的開山之作，作者是亞當·斯密。中文叫《國富論》。
- 3. 《The General Theory of Employment, Interest and Money》。作者為凱恩斯。這是過去一百年最具影響力的經濟學著作之一。中文版叫《就業、利息和貨幣通論》。
- 4. 《The Road To Serfdom》。作者為諾貝爾經濟學獎得主哈耶克。中文版是《通向奴役之路》。
- 5. 《The Accounting Game》。中文版叫《世界上最簡單的會計書》。
- 6. 《Why Nations Fail》。作者們最近獲得諾貝爾經濟學獎。中文版是《國家為什麽會失敗？》。
四、相關曆史
- 1. 《The Power Law》。中文版叫《風險投資史》。
- 2. 《The Great Game: The Emergence of Wall Street as a World Power》。中文版叫《偉大的博弈：華爾街金融帝國的崛起》。
標普500指數從最高點下跌了7%左右，是再正常不過的波動。我是繼續加倉的。
我不願意評價政府的政策；它們超出了我的控製能力。我能夠做的，就是如何應對。
我以前寫過文章，“在2000年的高點進場”,你可以看看。
在當下，分幾個月投完100萬，應該足夠好了。換成我，我會一次投完的。
我們需要了解很多理財話題的基礎知識，比如股市、指數、指數基金、債券、401k、IRA、人壽保險、信托等等，我們還要知道股市的曆史數據等等。
定投隻是股市投資的辦法。但是，投資理財需要學習的知識太多了。
哈哈哈，這幾個點的下跌，根本就是毛毛雨啊。股市跌20%甚至30%，才叫大跌。
我不關心在意短期的股市波動。我是每個月閉著眼睛、把銀行裏的閑錢都投進去買基金。
謝謝分享書單。
我建議投澳交所的基金就好了，簡單方便。不用考慮其它基金了。
可以把資金分成十份，每個星期投一份。
年輕真好！隻要堅持投資指數，你肯定會成功的！
謝謝水星兄！
謝謝補充！這種總結可以幫你大致了解書的主旨，但是細節還是要好好讀書的。
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.
謝謝矽穀精英居士分享精華。
謝謝你的支持和認可！
謝謝推薦！我抽時間讀讀。
哈哈哈，每個家庭的情況都不一樣。但是，隻要遵循正確的理財方法，基本都能實現財務自由的。
這是基本原理。但是，你還需要了解具體細節，比如401k，IRA，債券，指數基金，保險等等。