저자: 미상 · 외국인
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결론: 초보 투자자를 위한 피터 린치 식 투자 원칙 5가지(일찍 시작, 개별주 대신 펀드, 낮은 비용, 분산투자, 감정·소음 차단)를 강조하는 교육 영상으로, 특정 종목이나 자산의 가격 방향 예측은 없다. [1. 일찍 시작하기 - 복리] 영상은 월세·공과금 등 기본 지출을 해결하고 비상금을 마련한 뒤 투자를 시작하라고 권한다. 복리 효과를 설명하며 연 5% 이자 기준 100파운드가 25년 뒤 338파운드가 된다는 예시를 든다. 매년 100파운드씩 25년 저축하면 원금 2,500파운드에 이자 약 2,273파운드가 붙는다고 설명한다. 35년간 매년 100파운드 저축 시 원금 9,032파운드, 이자 5,532파운드 수준이라고 제시한다. [2. 개별 종목 고르기 대신 펀드 투자] 린치는 1977~1990년 피델리티 마젤란 펀드를 운용해 S&P500을 크게 앞질렀다고 소개한다. 전문가 대 학생·고양이 종목선정 실험(2012년)을 예로 들어, 전문가가 개별주를 잘 고르기 어렵다고 주장한다. 분산된 펀드(액티브 펀드, 인덱스 트래커)를 통한 투자를 권장한다. 장기적으로 주식시장은 상승해 왔다는 점을 근거로 든다. [3. 비용 최소화] 수수료(펀드, 자문, 플랫폼)가 장기 수익률을 깎아먹는다고 경고한다. 월 1,000파운드를 30년 투자할 때 연 1.5% 수수료는 387,430파운드, 0.5%는 450,741파운드로 약 63,212파운드 차이가 난다고 예시한다. [4. 포트폴리오 분산] 여러 업종·국가·자산군(주식, 채권, 현금)에 나눠 투자하라고 권한다. 영국 주식펀드만 보유하기보다 유럽, 미국, 아시아태평양 등으로 분산하라고 제안한다. [5. 감정과 시장 소음 차단] 시장 타이밍 매매는 역사적으로 더 나쁜 수익률을 냈다고 주장한다. 2008년 금융위기 때 돈을 뺀 투자자들은 손실을 확정하고 이후 약 10년간의 상승(시장 84% 상승이라고 언급)을 놓쳤다고 설명한다. [출연자 및 전망] 별도 출연자 없이 진행자 내레이션 형식이며, 특정 자산에 대한 1~3개월 가격 전망은 없다.
다듬은 글
when you're just starting out rent utility bills debt payments and groceries may appear to be all you can afford it's time to start investing once you've mastered budgeting for those monthly expenses and set aside at least a little cash in an emergency fund the difficult aspect is deciding what to invest in and how much to put in it it can be intimidating to invest for the first time but here are five simple investment rules to get you started hey everyone welcome back to our channel in this video we will be talking about 5 effective and simple rules for beginners to invest before we start make sure to hit the subscribe button and turn on the notification bell done let's get started there are a lot of great investors but very few investors have the track record of peter lynch he ran the fidelity mcgowan fund between 1977 and 1990.
during that time he beat the markets by a huge margin as he outpaced the s p 500 11 out of the 13 years averaging over 29 average annual return this means a thousand dollars invested the day lynch took over the magellan fund would have been worth 28 000 when he quit he does this by following certain principles and rules while investing let's have a look at each one of them rule number one get started straight away begin immediately even if it's only one pound each day or week you'll see your money grow quickly no matter how tiny the sum is this is due to the notion of compound interest which is both simple and essential another way to think about compound interest is that you get paid interest on the interest you got paid and then you get paid interest on that interest and before long the interest you received is greater than the money you put in assume you deposit one hundred pounds in the bank in the first year if the interest rate is five percent you will earn five pounds in interest as a result instead of one hundred pounds you now have 105 pounds the next time you receive interest it will be calculated on both your original 100 pounds and on the interest you got resulting in a total of 5 pounds and 25 cents you now have 110 pounds and 25 cents in your accounts and it will continue to increase until the interest portion is greater than the original cash you put in the bank if you did that for another 25 years at the same interest rates your 100 pounds would have grown to 338 pounds and 64 cents consider saving 100 pounds every year at the same interest rate you'll have saved 2 500 pounds over the course of 25 years but you'll have earned an additional 2 273 pounds in interest nearly double the amount that you saved it's similar to a snowball running downhill and accumulating snow the snowball is much larger than it was at the start by the time it reaches the bottom compound interest works in the same way it accumulates on itself the more time you have to save the better you would have accumulated 9032 pounds after 35 years of saving 100 pounds every year plus 5532 pounds in interest rule number two do not choose stocks first let's take a look at the stock market companies sell shares of their company on the stock market to raise capital these shares are offered in a limited amount and are publicly traded someone who has a share must be selling it if someone wants to buy it the price of a firm shares is determined by supply and demand which is frequently influenced by how well the company is performing or predicted to do now that we're all on the same page let's get to the meat of why the world's finest investors all agree on one thing don't pick and invest in individual stocks the observer newspaper pitted experts justin irkhart stewart of seven investment management paul caveney of killik and co and schroeder's wealth manager andy brow against students from john warner school in hodgson hertfordshire and orlando at ginger cat who chose stocks by throwing his favorite toy mouse on a grid of numbers assigned to different companies in 2012.
and guess what orlando came out on top humans are incapable of foreseeing the future stock selection is difficult no one has a crystal ball to tell which company's stocks will soar and which will plummet every stock picker in every region of the country would be a billionaire if there was a simple technique to accurately anticipate which shares will outperform the rest there are legions of people going broke for every billionaire produced by the stock market you may be asking why people invest when the stock market is so volatile and dangerous because the ideal way to invest is through an investment fund that buys shares in a variety of firms on behalf of its investors this is the greatest option the fund will shield you from some of the risks associated with picking bad stock some equities will rise in value while others will fall in value active funds are those in which the manager chooses which stocks to acquire based on research knowledge and experience there is also the index tracker to consider the stocks of an index such as the ftse 100 are purchased as a group by an index tracker even if there is some danger the stock market has always gone higher in the long run this means that if your portfolio follows the broader stock market even if some particular stocks fall in value your investments will grow over time rule number three maintain a minimal cost structure your investments may be performing well but if the cost of managing them is excessive the long-term returns are reduced costs for active funds are higher as are fees for a financial advisor and fees for the investment platform where your investments are held all of these expenses can pile up and reduce your earnings so it's important to keep track of them assume your investment yields a two percent annual rate of return your returns will be wiped away if your advisor investment platform and fund charge you two percent per year those fees can spiral out of control which is the polar opposite of compound interest consider two persons who invest one thousand pounds per month for the next thirty years one pays 1.5 percent in fees while the other pays 0.5 percent although a 1 difference may not appear to be significant after 30 years the first person has amassed a portfolio of 387 430 pounds while the second has a master portfolio worth of four hundred and fifty thousand seven hundred and forty one pounds this is a massive disparity of sixty three thousand two hundred and twelve pounds inquire about the impact of costs on your investments if you hire an advisor check what you're getting charged for the platform and the fund charges if you manage your own assets rule number four diversify your portfolio investing in stocks and bonds carries a certain amount of risk it's a good idea to diversify your portfolio which translates to don't put all your eggs in one basket what if you invested everything you had in blockbusters we discussed why stock picking never works and why mutual funds do smart investors diversify their risk by purchasing mutual funds that provide exposure to a variety of markets and asset classes if you diversify your investments over many various businesses and countries such as pharmaceuticals industrials the internet green energy and so on you will be protected from any ups and downs in any portion of your portfolio we humans prefer to invest in what we know and trust but rather than a bunch of uk equity funds all invested in the same underlying investments you can diversify by investing in uk europe u.s and asia-pacific equity funds for example spreading risk and taking advantage of different economic factors in each of those markets cash bond and mixed asset funds should all be used to diversify your portfolio rule number five block out the background noise emotions is the enemy of investments and it's easy to get upset when the markets are up and down attempting to time the market has historically resulted in worse returns don't be swayed by market analysts who encourage you to buy or sell instead have the courage to adhere to your long-term strategy investors that seek for high performance or flee from low performance are doomed the difference between smart and bad investors is that the former can shut out the background noise you'd have to agree that the global financial crisis of 2008 was far from trivial and you're right such events can have a significant influence on investors and have a long-term impact on the economy attempting to time the market on the other hand has historically resulted in worse returns don't be fooled by cnbc's entertainers who cry buy or sell have the determination to stick to your plan in both good and bad circumstances investors that seek out high returns or avoid losses are doomed the discipline to shut out the noise and stick it out for the long haul is what separates smart investors from terrible investors however those who panicked and withdrew their money to preserve their investments in 2008 crystallized their losses and missed out on the next 10 years of spectacular development in that time the stock market has gained by 84 percent that's a lot to miss out on smart investors keep their money in the markets did you find this video informative or helpful let us know in the comment section below make sure to subscribe so you don't miss out on any of my future videos and don't forget to like and share
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