矽穀居士
計算機博士，矽穀軟件工程師兼經理。愛好開發軟件、閱讀、理財、寫作、健身。
正文
一個成功的投資者，85%歸功於正確的資產配置，10%來自於選擇投資目標的功力，5%必須靠上帝的保佑。
—威廉·夏普
沃倫·巴菲特是二十世紀最偉大的投資人之一。他領導的跨國多元控股公司伯克希爾·哈撒韋公司，曾經在曆史上取得輝煌的投資成績。他因此被很多人尊為“股神”。
在2025年當下，雖然巴菲特已經95歲了，他仍然在公司工作。
有很多朋友問我：是否應該買入巴菲特公司的股票(BRK-B，BRK-A)，以取代標普500指數基金？
我總是說：伯克希爾公司的股票是一隻個股，風險遠遠高於大盤指數。因此我不建議投資它！
其次，由於過於保守的資產配置，加上旗下管理資金的龐大規模，巴菲特及其團隊的表現，已經大不如前。
作為一個出生於1930年的“老登兒”，巴菲特及其公司團隊的投資理念相對保守，重倉的公司以傳統行業為主，包括金融、能源、消費品等。因此，他們錯過了最近幾十年表現最好的信息科技板塊。當然，他們也意識到了這些問題，並從2016年起開始投資蘋果公司。
比如，截止到2025年10月底，巴菲特公司股票在過去十年的平均年化收益率為13.3%。
而與此同時，標普500指數的平均年化收益率為14.5%。
也就是說，巴菲特及其團隊的表現，甚至比大盤指數低1.2%。昔日的股神，比不上一個定投大盤指數基金的普通散戶了！
由於我從2020年起開始重倉信息科技板塊，我過去十年的收益率高達14.9%，平均每年比股神高1.6%！
而過去5年，股神及其團隊的年化收益率是18.5%。而我的年化收益率是25.5%，足足比股神高7%！
因此，我不建議投資巴菲特公司的股票。我堅持的原則就是：定投指數，不碰個股！
股神老矣，尚能飯否？
我非常尊重巴菲特的投資理念。我隻是說他近十年的表現大不如前。
股神雖老，精神不老 :)
11月4日是巴老95歲的生日，那天我無意中在Facebook上看到一則介紹巴老的短文，文中提到了 “the lessons Buffett teaches go far beyond money” 以及 his legacy（詳見下麵的原文, posted on Facebook by Reece Ryan）巴老的精神令人肅然起敬，值得我們大家學習。
Warren Buffett turns 95 today — and he’s donated more money than any other billionaire in history.
Millions study his investing strategies hoping to become as wealthy as he is.
But the lessons Buffett teaches go far beyond money.
In his biography The Snowball, he said:
“The people you spend time with — your friends, your partner, even your coworkers — can shape your future.
If they are kind, honest, and caring, you’ll become more like them.
But if they bring anger or sadness, that pain will follow you too.
It’s better to hang out with people better than you.”
That’s not investment advice — it’s life advice.
In 1998, speaking to students at the University of Florida Business School, Buffett asked a question they never forgot:
“If you could buy 10% of one classmate’s future success, who would you pick?”
He told them not to choose the one with the highest IQ or best grades — but the one who was kind, honest, hardworking, and consistent.
Because character, not intelligence, determines how far you go.
Unlike most investors, Buffett never moved to Wall Street.
He stayed in Omaha, Nebraska, far from the noise — where he could focus on what truly mattered.
He still lives in the same house he bought in 1958 for $31,500, drives a modest 2014 Cadillac XTS (one he bought with hail damage for a discount), and keeps his life as simple as his philosophy.
Buffett has promised to give away 99% of his fortune to charity.
To him, wealth is only meaningful when it helps others.
His life reminds us that success isn’t about how big your house is, how much money you make, or what you own.
It’s about humility, purpose, and generosity.
The man who mastered the art of compounding didn’t just build financial wealth —
he built a legacy of kindness, patience, and integrity that continues to grow with every life he touches.
謝謝分享！
風險太小，就會導致收益率低。
任何時候，都可以開始定投。
QQQM和QQQ跟蹤的是同一個指數，隻是QQQM的收費率更低一些而已。
另外，我打算買一些QQQM，但是不知道QQQM的風險和回報是否能跟QQQ相比？
這個配置不錯啊。
剛剛進城看看，看到居士這句話。前些日子，居士打開智囊，提到VGT。以前，我隻是投QQQ和VOO（2:1）。今天整個股市大降，我趁機買了一點VGT。準備今後開始對此定投。但逢市場大降，會考慮多買一點。逐步把VGT提高到VOO的持有水平。QQQ不減也不增。
準備逐步做到QQQ:VOO:VGT 到2:1:1. 不知居士有何建議？
如果你看好科技板塊或者AI，那就買相應板塊的ETF，而不是單一的個股。個股的風險太高！！
我重倉的就是信息科技板塊ETF，VGT。