普通留学生财富积累的几大要素

结合我自己的实际情况，我总结出我们普通在美留学生财富积累的几大要素：

1. （1）稳定的家庭；
2. （2）双收入；
3. （3）尽早开始如下简单省事的自律定投策略即可：
   • (a) 大盘选S&P500或Total market
   • (b) 开始工作就放满401K定投大盘
   • (c) 存满6个月或12个月的紧急备用金
   • (d) 结余的钱也定投大盘
4. （4）二三十年后会有意想不到的效果。

我自己在(a), (b), (d)上走了不少弯路。其中(a)选基金太多整合不容易，税后账户涉及交税问题，(b)晚了5年，(d)更是晚了13/14年且自律性不如(b)。

实际上这简单的策略大家多多少少都听说过，也知道可是为什么很多人包括我自己要走弯路呢？其中很重要原因：一是对自己投资能力评估过高；二是想迅速积累致富对（4）中的二三十年等不及；三是受市场波动影响定投的自律性特别是税后账户（我敢说99%的人税后账户做不到像401K一样的定投）。

这些要素对高薪人士（如大公司双码），获取初创IPO冒险派，以及拿大量RSU的高管不适用。

[MoatCity]

If you are not smart enough to beat the market, don't be stupid to lag behind the market.

[MoatCity]

I have been sticking to the industry convention of keeping portion of investment in fixed income (equity = 100 - age?), and in the end, the asset accumulation has suffered quite a bit in the last 30 years. Average return has been around 2-3% lower than marker average. Remember, (1.07)^30 = 7.6, yet (1.09)^30 = 13.3, 2% difference would yield almost twice as much. Extremely painful lesson, looking forward, I don't have 30 years left, and I don't have time to recover the loss incurred due to the wrong investment strategy.

[硅谷工匠]

Steady family = stable wife from a good family. Take care of the first income first, and try to become a manager at your work. Then learn to build your business and always watch out for opportunities.

[老留伍哥]

回复 'MoatCity' 的评论 : 特别是对年青人或还有很多年退休的人群很适合。bond/fixed income稳定但收益低。international fund始终比不了美国的大盘。sector fund波动太大长年收益不一定比大盘好。2，30年积累后，财富比较多的即使退休也不需要调整能够扛得住市场波动。

积累晚财富不多的人群，临退休需要调整所持基金部分到bond/fixed income fund以达到平稳度过市场动荡期。

[MoatCity]

100% Equity, 0% bond or fixed income, no international funds, no sector funds, just the dumb S&P or VISAX (total market).