[投資教學]有錢人與窮人的投資組合有別

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曉士投資理財教室
Published at : 10 Dec 2020
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曉士交易策略有限公司
官網:http://www.hillstrader.com

[曉士交易策略有限公司]
主要業務範疇包括研創全新交易策略、為市場上大量策略進行歷史數據回溯測試、為傳統策略及已失效的策略進行優化工作、推出「曉士投資理財教室」及舉辦投資講座及課程。本公司其下團隊主力研究出市場上能獲利的交易策略,及提供投資培訓,同時致力建立市場不同人士的交流平台,當中涵蓋理財投資的概念和知識、香港股票及期貨市場的交易策略、量化及技術分析等領域。

[Hughes Yu]
Hughes Yu 過往在投資培訓機構任職分析師,負責為入市策略進行歷史數據回溯測試,優化傳統策略或表現較差策略的系統,在股票及期貨市場研創入市策略,並透過改寫傳統技術指標公式等設計適合不同人士的策略;曾在報章撰寫香港期指市場的即市預測並分享期指交易竅門,亦於大專院校舉辦投資講座,講授交易心得。現為曉士交易策略有限公司的高級策略分析師,除了繼續設計及優化入市策略外,更在網絡媒體上協助推出「曉士投資理財教室」,由淺入深講解投資理財概念、分享股票及期貨交易心得、講授量化及技術分析的知識,在「曉士投資理財教室」中參與大部份編製工作。
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早於二十年前,可能還有人相信放錢在銀行收息便夠養下半輩子;早十年前,有好多人已經知只靠儲蓄不夠,開始明白投資的重要性;現在,時勢改變了,普通穩健的投資對「打工仔」而言已經沒有什麼作用,現在已經不再是單靠藍籌股、基金、債券便可以致富的年代。

以基金為例,坊間所謂的財務達人會跟你說每個月供三千元,複息再複息,三十年後便有數百萬了。三千元代表什麼﹖可以是一個普通「打工仔」兩成或三成的月入,工作三十年,只有數百萬。現在香港一狹窄單位已值數百萬了,還要是三十年後。最重要是,他們最後會說:「投資有風險,基金都可以輸錢」。問題來了,我工作三十年,供足三十年,回報不夠,還要可能輸,那這項投資還值不值得﹖

這樣說穩健投資如無價值似的,其實不是,藍籌股、基金、債券等等確是分散風險、穩定升值的好方法,對整個投資組合而言仍然重要。但我們要理解,富人和窮人的投資手法是不同。假如你月入十萬,一年可能可以動資四、五十萬投資,縱然全數放在穩健的投資上,只買優質股、供基金,待它們自然升值,回報已經很令人滿意;但假如你月入只有一萬多,減去家用和生活費,一年可能只有數萬元投資,那數萬蚊可以買多少手藍籌股、潛力股,供多少基金?

所以若果你不是富人,投資組合上,應該要包含高回報投資。所謂高回報投資,其實是美化了它們,換言之,即是高風險投資,風險較高,意味回報都較高,我們應該因應個人資金多少調節高、低回報投資比例。我建議當資金不多,便把大部份資金放入高回報投資,小部份放入低回報投資。高回報投資的市場有好多,可以是細價股、期指市場等等,我們的目標就是要把這類市場快速賺回來的錢,再放入低風險的投資上,令我們買優質股、基金、債券的資金快速壯大,當你資金開始豐厚,就逐漸把低風險投資比例提升,減少高風險投資。

如何令這一類高風險工具成為穩健投資就是我們學習重點,所以相對地,現在學投資比以往困難,以往只要瞄準數隻優質股就可以,到現在要學在風高浪急的市場上交易。以往老一輩可以完全不接觸高風險工具,到現在這一代已經不同。

如果你一早便知高回報投資的重要性,那這段影片對你而言已沒有用,在下方按like和訂閱我們便可以了。但若果你身邊還有朋友未明白,便快一些share這影片給他們。在下一段影片,我們會正式進入教學,開始講解如何把高風險工具操作成為穩健投資。



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