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title
股海無涯
description
大马投资理财部落格 【股海无涯】投資事件簿, 記錄股海漂泊中的潮起潮落是非成敗.
site name
股海無涯
author
xxxxx
updated
2026-03-10 18:43:15
raw text
股海無涯 關於老衲 Facebook Page Contact Disclaimer MENU 股海無涯 What gets us into trouble is not what we don't know.... It's what we know for sure that just ain't so. Menu 精華文章 帖子分類 公司簡析 心得隨想 資訊分享 網站合集V1.2 【投資隨想】複利與指數增長的迷思 Wednesday, June 17, 2020 Add Comment 今天我想说一点关于财富增长的事情。人人最关心的一个问题就是钱是怎么赚来的,人人最喜欢的赚钱方法就是投资,而投资中最简单的方法就是依靠“复利”。所谓复利,就是利息产生利息。 1.鸡汤 假设你现在有10000元,利息是10%,那明年就会变成11000元。如果利息也能产生利息,也就是所谓“利滚利”,那么到了第二年,你就不仅有12000元,而是10000×1.1×1.1,就是12100元。 到第 N 年,你的财富就是10000×(1.1的N次方),这就叫“指数增长”。 10%的利息,25年就达到10倍。也就是说你现在存一万元,25年内你什么都不用干,就能获得10万元。 那为什么非得是10%的利息呢?15%不是更好?如果利息是15%,只要17年就能达到10倍,34年就是100倍!如果你父母在生你的那一年给你存了1万元,那到你34岁的时候,你已经拥有了100万元。如果当年存10万元,你就有了1000万。如果利息是20%,那更是只要26年就能变成100倍,正好结婚买房。 所以复利实在是厉害啊。要不怎么爱因斯坦说,宇宙中最强大的力量就是复利! 要用复利挣钱,你就要自律,推迟享乐,把钱放在那里坚决不用。那些钱已经不是普通的钱,而是宝贵的种子 —— 你只需耐心等待复利的回馈。 每当我听人说用复利挣钱,总会想起一个故事。那是一个关于鸡蛋的故事。 从前有个人,得到一个鸡蛋,但他没有吃。他想,如果我等这个鸡蛋孵出小鸡,把小鸡养大,还能生出好多好多蛋,那些蛋再孵出小鸡,由此鸡生蛋、蛋生鸡,我不就发大财了吗? 他这么想着,一不小心,鸡蛋掉地上摔碎了。这个人非常难过,因为他损失的不是...
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