저자: 워런버핏 · 외국인
요약 보기
결론: 버핏은 아내에게 버크셔 주식이 아니라 S&P500 인덱스 펀드에 투자하라고 권하며, 이는 장기적으로 충분한 자산과 마음의 평화를 주기 위함이라고 설명한다. 질문 배경: 버밍엄의 한 주주가 버핏 사후 아내가 버크셔 대신 인덱스 펀드에 투자하도록 조언한 이유를 물었다. 투자 조언: 버핏은 아내가 S&P500을 보유하면 돈 걱정이 사실상 없을 것이라고 말한다. 목표는 수익을 극대화하는 것이 아니라 평생 돈 걱정을 하지 않는 것이다. 사례: 오마하의 이모 케이티가 돈이 떨어질까 반복해서 걱정했던 일화를 들며, 충분한 자산이 있어도 불안이 남을 수 있음을 강조한다. 주변 영향: 한 종목만 보유하면 이웃·친지가 이것저것 팔라고 권해 심리적 평화가 깨질 수 있어, 많은 사람에게 인덱스 투자가 좋은 정책이라고 말한다. 찰리 멍거 의견: 멍거는 버크셔 보유를 선호하는 입장이며, 버핏은 S&P500 알고리즘을 이기기 어렵다는 논리는 인정하지만 가족 사업인 버크셔가 더 편하다고 덧붙인다. 기부 계획: 버핏 지분 대부분은 자선단체에 기부될 예정이며, 이미 약 40%가 분배됐다. 리스크 언급: 무기 사용 등 극단적 상황이 아니면 S&P500 보유자는 돈이 부족해질 가능성이 거의 없다고 본다. 종목 방향: 이 영상에서 특정 종목의 1~3개월 가격 방향 예측은 없다.
다듬은 글
Um i'd like to ask a question that can serve as a follow-up to the question that carol had asked and Charlie in that response said that he thinks the Berkshires businesses on the whole will do better than the S&P 500. Clark Cameron from Birmingham Alabama who owns 281 shares of Berkshire b writes in and asks why have you advised your wife to invest in index funds after your death rather than Berkshire Hathaway i believe Munger has canceled his offspring to quote not be so dumb as to sell she she won't be she won't be selling any Berkshire to buy the index funds all of my Berkshire every single share will go to philanthropy so that i don't even regard myself as owning Berkshire you know basically it's it's committed and i've i so far about 40 percent has already been distributed so the question is somebody who is not an investment professional will be i hope reasonably elderly by the time that the uh the state gets settled and what is the best investment meaning one that there would be less worry of any kind connected with and less people coming around and saying why don't you sell this and do something else and all those things she's going to have more money than she needs and the big thing then you want is money not to be a problem and there will be no way that if she holds the S&P virtually no way absent something happened with weapons of mass destruction but virtually no way that she won't she'll have all the money that she possibly can use to have a little liquid money so that if stocks are down tremendously at some point they close the stock exchange for a while anything like that she'll still feel that she's got plenty of money and the object is not to maximize it doesn't make any difference whether the amount she gets doubles or triples or anything of the sort the the important thing is that she never worries about money the rest of her life and i had an aunt Katie here in Omaha who Charlie knew well and worked for her husband as did i and she worked very hard all her life and had lived in a house she paid i think i don't know eight thousand dollars for 45th and hickory all her life and uh because she was in Berkshire she ended up she lived in 97.
she ended up with you know a few hundred million and she would write me a letter every four or five months and she said dear warren you know i hate to bother you but am i going to run out of money and and i would i would write her back and i'd say dear Katie it's a good question because if you live 986 years you're going to run out of money and and then about four or five months later she'd write me the same letter again and i i have seen there's no way in the world if you've got plenty of money then it should become a a minus in your life and there will be people if you've got a lot of money that come around with various suggestions for you sometimes well-meaning sometimes not so well-meaning so if you've got something that's certain to deliver you know it was all in Berkshire they'd say well if Warren was alive today you know he would be telling him to do this i i just don't want anybody to go through that and the S&P will be a i think actually what i'm suggesting is but but a very high percentage of people should do something like that and i don't think they will have us i think there's a chance they won't have as much peace of mind if they own one stock and they've got neighbors and friends and relatives that are trying to do some like i say sometimes well-intentioned sometimes otherwise to do something else and so i think it's a policy that'll get a good result and is likely to stick Charlie well as Becky said the wonders are different yeah i i want to hold the Berkshire well i want to hold the Berkshire too no i bet i mean i i i don't like them i recognize the logic of the fact that that S&P algorithm is very hard to beat in a diversified portfolio of big companies it's all but impossible for most people but you know it's i'm just more comfortable with the Berkshire well it's the family business yeah yeah but but it uh i've just i've seen too many people as they get older particularly being susceptible just having to listen to the arguments of people well if you're going to protect your heirs from the stupidity of others you may have some good system but i'm not much interested in that subject okay
Comments 0