折腾奇怪的投资品都是吃饱了撑的

[Dzeko]

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？

bro, then you will make it even ~2007, 7 yrs, soon after another recession again ... With max drawdown ~30%, as a retiree, can you sleep well at night? Would you hold through those scary drawdown? Would you think that you would get even in the end?

Remember we are looking at it in hindsight, so it is just history for us. But for people going through those time, it was nightmare. From the data, most people gave up during the ride. If you can run through it , you have diamond hands and I admire your steel of mind!

[iMaJia]

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

對啊。很多奇奇怪怪的理財產品都是和人壽保險綁定，或者什麼十年回本二十年賺錢什麼的。

人壽保險是保護家人，有生產力的人離開了，家人不用砸鍋賣鐵，網上求捐。

老了退休了，兒女大了，不用依靠父母經濟支持，就不需要保險了。這時候才去大額買保險加投資，是嫌自己心臟太健康，找驚嚇早隔屁嗎

[iMaJia]

bro, then you will make it even ~2007, 7 yrs, soon after another recession again ... With max drawdown ~30%, as a retiree, can you sleep well at night? Would you hold through those scary drawdown? Would you think that you would get even in the end?

Remember we are looking at it in hindsight, so it is just history for us. But for people going through those time, it was nightmare. From the data, most people gave up during the ride. If you can run through it , you have diamond hands and I admire your steel of mind!

什麼理財產品大盤跌，它漲。大盤漲，它 beat 大盤？

哦這，我想起來了，Madoff investment

[mesofish]

bro, then you will make it even ~2007, 7 yrs, soon after another recession again ... With max drawdown ~30%, as a retiree, can you sleep well at night? Would you hold through those scary drawdown? Would you think that you would get even in the end?

Remember we are looking at it in hindsight, so it is just history for us. But for people going through those time, it was nightmare. From the data, most people gave up during the ride. If you can run through it , you have diamond hands and I admire your steel of mind!

2007年这么快就又回到2000泡沫顶上的高点了？
大盘牛逼啊
从泡沫之前97年开始算，
经过一个超级大崩盘照样十年翻倍
这么牛逼的东西不买，折腾个啥呢？

[Dzeko]

2007年这么快就又回到2000泡沫顶上的高点了？
大盘牛逼啊
从泡沫之前97年开始算，
经过一个超级大崩盘照样十年翻倍
这么牛逼的东西不买，折腾个啥呢？

honestly, I feel I'm wasting my time ... Good luck

[nk]

在最近两天的讨论中，我是不会买提到的提到的universal life 或者IUL，或者其他投资产品（比如 whole life insurance, Variable annuities, Equity-indexed annuities)

这些产品就是把投资和保险混在一起了，不是我自己喜欢的。投资是来提高财富的，有风险的。而保险是用来保证基本需求的，来降低风险的。两个东西混在一起目标不明确。

我在退休前只会买公司提供的 term life insurance 来保证万一时家人的生活， 在退休时把一部分钱拿来买公司的 two life annuity SPIA 来保证万一长寿时退休收入的基本保证。

自己虽然没有花时间去学习其他投资产品，不知道它对我自己有没有用处。但我并不会说其他产品完全没有用，都是垃圾。

我知道有一些小众投资产品是给富人避税用的，和一般的工薪阶层没有任何关系。

这里的很多讨论时不同的人不再一个 page 上， 大家就选择自己愿意的产品好了。在网上给别人解释那些细节太费力了。

[iMaJia]

在最近两天的讨论中，我是不会买提到的提到的universal life 或者IUL，或者其他投资产品（比如 whole life insurance, Variable annuities, Equity-indexed annuities)

这些产品就是把投资和保险混在一起了，不是我自己喜欢的。投资是来提高财富的，有风险的。而保险是用来保证基本需求的，来降低风险的。两个东西混在一起目标不明确。

我在退休前只会买公司提供的 term life insurance 来保证万一时家人的生活， 在退休时把一部分钱拿来买公司的 two life annuity SPIA 来保证万一长寿时退休收入的基本保证。

自己虽然没有花时间去学习其他投资产品，不知道它对我自己有没有用处。但我并不会说其他产品完全没有用，都是垃圾。

我知道有一些小众投资产品是给富人避税用的，和一般的工薪阶层没有任何关系。

这里的很多讨论时不同的人不再一个 page 上， 大家就选择自己愿意的产品好了。在网上给别人解释那些细节太费力了。

說得對。問題是很多專業人士就是靠賣各種混在一起的產品為生計，一般人沒有時間自己去研究 fine print, 這些產品又是規矩奇怪又複雜，專業人士只會說每年會賺多少錢，多少年翻倍，多少年後就幾百萬了！

[mesofish]

honestly, I feel I'm wasting my time ... Good luck

有理说理，
你就说是不是中间夹个史诗级崩盘照样十年翻倍吧

[trieste]

bro, then you will make it even ~2007, 7 yrs, soon after another recession again ... With max drawdown ~30%, as a retiree, can you sleep well at night? Would you hold through those scary drawdown? Would you think that you would get even in the end?

Remember we are looking at it in hindsight, so it is just history for us. But for people going through those time, it was nightmare. From the data, most people gave up during the ride. If you can run through it , you have diamond hands and I admire your steel of mind!

love your English writing.

[Dzeko]

love your English writing.

Thank you!
my son always corrects my English lol