教你打败巴菲特自己做股神_BEC初级作文

教你打败巴菲特自己做股神

It's no mystery why Mr. Buffett has this kind of clout. He has made a career of being right when the rest of Wall Street was being wrong. And he has amassed an estimated $50 billion fortune, all of it from investing, to prove it。

但是，这可不是在观看体育比赛。你大可不必坐在看台上，目瞪口呆地盯着别人的战绩。你也许无法积累500亿美元的财富，但有许多方法可以让你成为自己的沃伦•巴菲特。

But this isn't like watching a sporting event. You don't just have to sit in the stands and gape at the exploits of others. You may not be able to build a $50 billion fortune, but there are plenty of ways you can be your own Warren Buffett。

1.还清你的信用卡欠款。

这可不是一句玩笑话。巴菲特的财富是多年稳步积累的成果。自20世纪60年代中期以来，他的伯克希尔口哈撒韦公司(Berkshire Hathaway)每股账面价值的平均年增长率约为20%，考虑通货膨胀因素后约为16%。今天，大多数信用卡收取的利率都达到或超过这个水平，而且你要用税后收入来偿还利息。但是，有无数人还是继续每个月保持信用卡欠款。这意味着向你提供贷款的银行每个月从你这里赚取了相当于巴菲特水平的回报率。

Pay off your credit cards。

No kidding. Mr. Buffett's wealth is a triumph of steady compounding over many years. Since the mid-1960s, his company, Berkshire Hathaway, has grown its book value per share by an average of about 20% a year -- or 16% a year after counting inflation.Today, most credit cards charge that, or more -- and you're paying the interest with after-tax dollars. But millions of people continue to carry a balance each month. That means your lender is earning Buffett-style returns -- from you!