저자: ChrisReining—출연자아닌블로그글낭독 · 외국인
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결론: 워런 버핏의 2013년 주주서한 조언을 바탕으로, 초보 투자자는 저비용 S&P500 인덱스 펀드에 장기 적립 투자하고 하락장에도 팔지 말아야 한다는 취지다. 버핏의 핵심 조언: 비전문가는 종목 선정 대신 미국 사업 전체에 대한 저비용 S&P500 인덱스 펀드 투자가 적합하다. 다우지수는 20세기 동안 약 66에서 11,497로 상승했다. 하락장 대응: 경기침체 때 자산을 빼는 것이 최악이며, 2009년 대침체 중 버핏은 BNSF 인수로 미국 경제에 베팅했다. 금이나 너구리 가죽 같은 단기적 대안보다 주식 보유를 권한다. 실수 1 - 저점에서 팔기: 시장 불황 때 매도하지 말고 꾸준히 매수하라. 필요 없는 자금은 3~5년 이상 투자하라. 실수 2 - 수수료 누수: 능동적 펀드의 높은 비용을 피하고 저비용 인덱스 펀드를 택하라. 실수 3 - 복잡한 포트폴리오: 버핏의 유언 지침처럼 주식형 인덱스 펀드 90%, 단기 국채 10%면 충분하다. 출연자 전망: 특정 종목·자산에 대한 1~3개월 가격 예측은 없고 장기적 미국 성장에 대한 낙관만 언급된다. 광고(라이트스트림 대환대출)는 본문과 무관하다.
다듬은 글
this is optimal finance daily episode 608 Warren Buffett's free investing advice for you by Chris rining of Chris raining dot-com and hello again I am Dan your host and narrator here on optimal finance daily the podcast where I read to you from some of the best personal finance blogs on the planet and we'd like to hear from you about some of the topics you'd like to hear on the podcast just come by old podcast comm and share your topic requests and ideas with us before we get to today's post do you want to know an easy way to save some money lower the interest rate on your credit card debt with a credit card consolidation loan at light stream comm slash finance light stream rewards customers who have good credit with a great interest rate and no fees you can get a credit card consolidation loan from five point eight nine percent APR with Auto pay and my listeners get an additional interest rate discount on top of light streams already low rates go to light stream comm slash finance subject to credit approval rate includes 0.5% auto pay discount terms and conditions apply and offers are subject to change without notice visit light stream comm for more information now let's get right to Chris's post as we optimize your life Warren Buffett's free investing advice for you by Chris rining of Chris raining dot-com quote Wall Street is the only place that people ride to in a Rolls Royce to get advice from those who take the subway Warren Buffett that quote is simply amazing because it highlights how backwards Wall Street actually is Buffett is one smart dude and as an investor it's those bits of wisdom I always look forward to in the annual letter he pens to Berkshire Hathaway shareholders the good news is that even if you aren't an investor in Berkshire Hathaway even if you don't know the difference between a stock and a bond you can sit down on a Sunday morning with a cup of coffee and read his twenty thirteen letter and if you oven you can read his letters every year back to 1977 it's time well spent so here's a guy at the helm of a company worth over two hundred billion dollars and hidden in his 2013 letter is free investing advice and he doesn't take the subway to work he takes private jets he explains the simple investment system that a know-nothing investor can follow that will beat all the professional money managers first a little teaser from Buffett quote I have good news for these non-professionals the typical investor doesn't need this skill in aggregate American business has done wonderfully over time and will continue to do so though most assuredly in unpredictable fits and starts in the 20th century the Dow Jones Industrials Index advanced from sixty six to eleven thousand four hundred ninety seven paying a rising stream of dividends to boot the 21st century will witness further games almost certain to be substantial the goal of the non-professionals should not be to pick winners neither he nor his helpers can do that but should rather be to own a cross-section of businesses that in aggregate are bound to do well a low-cost S&P 500 index fund will achieve this goal end quote Buffett is basically saying that someone who doesn't know a thing about investing can do well in the stock market because they're just going to hitch themselves to this gravy train called America so what does that mean it means you're going to invest in an index fund that captures the whole market you're essentially betting on the prosperity of the US if we take a peek at the Dow Jones Industrial Average that he mentions which is a benchmark of the stock market we can see that over the last 100 years the general direction of the market is up there shouldn't be any reason why this trajectory won't continue for the next hundred years and the next hundred years after that yes there will be the occasional financial crisis like we experienced with the Great Recession in fact there were 20 recessions in the 20th century alone these times can be scary as an investor many folks watch their retirement portfolios lose 30 percent of their value but during recessions the worst thing you can do is pull your money out of the market I know it's hard if you turned on your TV anytime during those recent stormy years the talking heads on networks like CNBC had plenty of fear to spew about how the recession would never end how the market would never recover and crazy stuff like how you should be investing in gold and raccoon pelts instead of stocks this is short-term thinking and is total cool Buffett sheds more light on this quote late in 2009 amidst the gloom of the Great Recession we agreed to buy BNSF the largest purchase in Berkshires history at the time I called the transaction an all-in wager on the economic future of the United States that kind of commitment was nothing new for us we've been making similar wagers ever since Buffett partnership limited acquired control of Berkshire in 1965 for good reason - Charlie and I have always considered a bet on ever rising US prosperity to be very close to a sure thing indeed who has ever benefited during the past 237 years by betting against America if you compare our countries present condition to that existing in 1776 you have to rub your eyes and wonder and the dynamism embedded in our market economy will continue to work its magic America's best days lie ahead end quote many people I talked to during the downturn thought that their retirement portfolios would never recover I told them to do the same thing I was doing stay invested and continue to invest available cash into their portfolios now years later the market is setting all-time records and their portfolios have soared to new highs Buffett's free investing advice the following are three investing mistakes Buffett outlines in his 2013 letter to investors that are easy to fix mistake number one sitting out the bad times quote the main danger is that the timid or beginning investor will enter the market at a time of extreme exuberance and then become disillusioned when paper losses occur remember the late barton biggs is observation a bull market is like it feels best just before it ends the antidote to that kind of miss timing is for an investor to accumulate shares over a long period and never to sell when the news is bad and stocks are well off their highs following those rules the know-nothing investor who both diversifies and keeps his costs minimal is virtually certain to get satisfactory results indeed the unsophisticated investor who is realistic about his shortcomings is likely to obtain better long-term results than the knowledgeable professional who is blind to even a single weakness end quote key takeaway keep investing through both good times and bad and only invest money you don't need in the next three to five years you'll end up with an amazing retirement portfolio mistake number two lining the pockets of others quote nevertheless both individuals and institutions will constantly be urged to be active by those who profit from giving advice or affecting transactions the resulting frictional costs can be huge and for investors in aggregate devoid of benefit so ignore the chatter keep your costs minimal and invest in stocks as you would in a farm end quote key takeaway fees will eat up your returns stick to low-cost index funds not actively managed funds mistake number three having a complex portfolio quote my money I should add is where my mouth is what I advise here is essentially identical to certain instructions I've laid out in my will one bequest provides that cash will be delivered to a trustee for my wife's benefit I have to use cash for individual requests because all of my Berkshire shares will be fully distributed to certain philanthropic organizations over the ten years following the closing of my estate my advice to the trustee could not be more simple put 10 percent of the cash in short-term government bonds and 90 percent in a very low-cost S&P 500 index fund I suggest vanguards I believe the Trust's long term results from this policy will be superior to those attained by most investors whether pension funds institutions or individuals employ hyphy managers end quote key take away less really is more when it comes to investing a portfolio which is 90 percent in a vanguard index fund for growth and 10 percent in bonds for safety is all you really need you just listened to the post titled Warren Buffett's free investing advice for you by Chris rining of Chris raining dot-com and as a reminder for an easy way to save some money check out light stream dot-com slash finance lower the interest rate on your credit card debt with a credit card consolidation loan light stream rewards consumers who have good credit with a great interest rate and no fees you can get a credit card consolidation loan from five point eight nine percent APR with Auto pay with a loan from five thousand dollars to a hundred thousand dollars you can choose your funding date and it can be as soon as today their site is very clear so you can see the interest rates right there definitely check it out and my listeners get an additional interest rate discount on top of light streams already low rates go to light stream comm slash finance that's Li ght stre am calm slash finance subject to credit approval rate includes 0.5% auto pay discount terms and conditions apply and offers are subject to change without notice visit light stream comm for more information and that is it for me today thank you so much for being here and listening I will see you tomorrow in the Thursday show that's where your optimal life awaits
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