折腾奇怪的投资品都是吃饱了撑的

[mesofish]

买大盘不就完了？
尤其是长期

如果大盘都长期崩盘，
那些奇怪的投资品早就率先通通嗝屁了

[iMaJia]

买大盘不就完了？
尤其是长期

如果大盘都长期崩盘，
那些奇怪的投资品早就率先通通嗝屁了

同意。各種投资品背後還是股票，然後各種千奇百怪規則和費用。聽起來越餡餅的越陷阱。專業人士設計的坑，真要搞明白得花巨量時間排雷

[iMaJia]

十幾二十年前吹爆的 universal life, 不知道現在還有沒有專業人士推

[trieste]

有些投资产品是投资不同sector，比如energy，real estate.

[lavinder]

点一百个赞
买什么乱七八糟的年金 保险
都不如SPY

[iMaJia]

有些投资产品是投资不同sector，比如energy，real estate.

自己買基金，不要買和保證，定期分錢混合起來，亂七八糟的規矩花10小時看小字都搞不明白的東西。

[Stopper]

买大盘不就完了？
尤其是长期

如果大盘都长期崩盘，
那些奇怪的投资品早就率先通通嗝屁了

人生在于折腾，天天人参鲍鱼你照样闲没趣，得来点野味，怎么样？你心动吗？

[Dzeko]

买大盘不就完了？
尤其是长期

如果大盘都长期崩盘，
那些奇怪的投资品早就率先通通嗝屁了

well, let's say it is the end of 1999 or the beginning of 2000, and you are retiring. so at this point, would you buy spy or qqq?

[mesofish]

well, let's say it is the end of 1999 or the beginning of 2000, and you are retiring. so at this point, would you buy spy or qqq?

哪个都比麦道夫强多了

[iMaJia]

well, let's say it is the end of 1999 or the beginning of 2000, and you are retiring. so at this point, would you buy spy or qqq?

買產品就能逆流而上？產品是 fed, 自己能印錢是吧

[Dzeko]

買產品就能逆流而上？產品是 fed, 自己能印錢是吧

well, there were/are tons of investment strategies and I am sure I can find one 逆流而上. But I won't and it is called data mining.

my point is that there are hundreds/thousands of investment vehicles, some of them are junk and some of them are gems. to say all of them are shit is arrogant and ignorant.

depending on personal risk tolerance and time horizon, there is NO one size fitting all finance tool. you have to do your due diligence unfortunately.

[Dzeko]

哪个都比麦道夫强多了

so you mean 奇怪的投资品 = Bernie? How can you tell? If you can, why not short them? It is much better than 买大盘, no?

btw, you have not answered my question yet ...

[iMaJia]

well, there were/are tons of investment strategies and I am sure I can find one 逆流而上. But I won't and it is called data mining.

my point is that there are hundreds/thousands of investment vehicles, some of them are junk and some of them are gems. to say all of them are shit is arrogant and ignorant.

depending on personal risk tolerance and time horizon, there is NO one size fitting all finance tool. you have to do your due diligence unfortunately.

那麼多奇怪產品，能壓到一個賺錢的寶，那只能說是運氣。每種產品不花10幾小時根本搞不懂他們規矩，幾百種你一個一個去研究？

“專業人士”都是說，我這個就是最好的了，每年12%增長，還有100萬保險，你老了不死還能拿獎勵，死了還能中大獎，不買就是 XB！

[Dzeko]

那麼多奇怪產品，能壓到一個賺錢的寶，那只能說是運氣。每種產品不花10幾小時根本搞不懂他們規矩，幾百種你一個一個去研究？

“專業人士”都是說，我這個就是最好的了，每年12%增長，還有100萬保險，你老了不死還能拿獎勵，死了還能中大獎，不買就是 XB！

I can lead a horse to water, I guess I cannot make him drink.

I don't blame you if you don't want to spend time on learning investment, no beef with that. But saying "折腾奇怪的投资品都是吃饱了撑的" is "arrogant and ignorant"

[iMaJia]

I can lead a horse to water, I guess I cannot make him drink.

I don't blame you if you don't want to spend time on learning investment, no beef with that. But saying "折腾奇怪的投资品都是吃饱了撑的" is "arrogant and ignorant"

專業人士都是平民的致富天使！平民做牛做馬都要買買買！

[pg1010]

well, let's say it is the end of 1999 or the beginning of 2000, and you are retiring. so at this point, would you buy spy or qqq?

很牛逼的问题！

[Dzeko]

專業人士都是平民的致富天使！平民做牛做馬都要買買買！

tbh, I don't know how to continue this conversation, man. It seems we are not on the same page ...

[mesofish]

well, there were/are tons of investment strategies and I am sure I can find one 逆流而上. But I won't and it is called data mining.

my point is that there are hundreds/thousands of investment vehicles, some of them are junk and some of them are gems. to say all of them are shit is arrogant and ignorant.

depending on personal risk tolerance and time horizon, there is NO one size fitting all finance tool. you have to do your due diligence unfortunately.

退休了当然保守一点，
SPY就行了
都是定投的又不是山顶上梭哈
2002最低也就回到97年水平
有什么可慌的？

[iMaJia]

退休了当然保守一点，
SPY就行了
都是定投的又不是山顶上梭哈
2002最低也就回到97年水平
有什么可慌的？

而且退休了是開始取錢的時候，不是大力追加投資。

退休了去買理財產品白白送錢給 “專業人士”

[mesofish]

而且退休了是開始取錢的時候，不是大力追加投資。

退休了去買理財產品白白送錢給 “專業人士”

还有个说法是退休人士时间不多了，
等不到大盘反弹

其实如果真觉得自己活不了10年了，
任何年回报率不到10%的年金投资都是给别人白送钱
不如自己换成现金花