如何轻松胜过投资顾问和机器人顾问
Understand how long-term thinking, having a Financial Plan, and unconventional wisdom can help youEASILYoutperform both investment advisors and robo-advisors.
Fun podcast withChrissy&金钱机械师的Expore FI Canada:
- 在这一集中，财务计划师Ed Rempel告诉我们如何必威体育easilyoutperform investment and robo advisors. (Hint: it’s simpler and easier than you think—no tricks or secrets required!)
Here is the podcast:
029: How to Easily Outperform Investment Advisors and Robo Advisors | Ed Rempel
ed
Planning With Ed
edRempel has helped thousands of Canadians become financially secure. He is a fee-for-service financial planner, tax accountant, expert in many tax & investment strategies, and a popular and passionate blogger.
edhas a unique understanding of how to be successful financially based on extensive real-life experience, having written nearly 1,000 comprehensive personal financial plans.
The “Planning with Ed” experience is about your life, not just money. Your Financial Plan is the GPS for your life.
获取您的计划！在财务上安全，可以自由过自己想要的生活。
Hi Nicolas,
In the chart, “Total Return Investing” is the global stock market index, specifically the MSCI World index. It is a good index to look at for all investments, so that you can see how much return you give up when you focus on dividends, invest with home country bias, invest partly in bonds and cash, or focus on investing for less risk.
In all 4 cases, you should expect a lower long-term return. It is worthwhile seeing how much return you are giving up with various investment strategies.
ed
Hi Chrissy,
非常感谢您的客气话。在您的播客上，这很有趣。
ed
嗨，路易斯，
The amount you need to be financially independent is different for everyone. It depends on how much income you need to live the life you want.
Investing for more growth usually works, but your time frame makes a huge difference. It usually means investing more in equities and less in fixed income. Equities have historically outperformed fixed income in 60-70% of 1-year periods, but virtually 100% of 25-year periods. There will be signficant down periods, that are usually less than a year and usually fully recover in 1-2 years. Equities are also much more tax-efficient.
The right amount of equities depends on how much growth you want or need for your life goals, whether and how much of temporary declines you can tolerate, how sure you need to be of higher returns, and how long of a time frame you have.
You probably have a longer time period than you think, since you should plan to have enough money even if you live surprisingly long. Equities outperfrom the vast majority of the time, so investing for more growth usually works for most people.
ed
对不起，但是您的总回报方法是什么意思？
Hi Ed,
我们度过了愉快的时光。与往常一样，您充满了每个人都需要听到的非常规的智慧（即使他们不立即同意）。betway体育官网
Old beliefs die hard. To be the best investors we can be, we need to keep learning from those (like you) who are a few steps ahead.
感谢您与我们和我们的听众分享您的知识！
嗨，我希望它永远不会太老，无法在财务上独立，尽管我舒适地表现不错，但我担心自己可能会损失超过收获，需要多长时间，从一百万美元开始。