Saturday, February 7, 2015

浅谈风险


很多人对投资望而却步,因为觉得有风险。

投资确实有风险; 可是,不投资,仅把钱存在银行,或者家里床底下的Milo罐,就没有风险吗? 答案是否定的,因为你还是会让自己暴露在通膨的风险,甚至家里进贼的风险。

套用Grace Hopper一个相当有名的座右铭:

“船停泊在港口内固然是安全的,但这不是造船的目的。让船出航经历风浪,去做新的东西,然后安然无恙回到海港。”

引申其意义,其实金钱也一样,放在银行固然是安全的,但那不应该是我们用于理财的长远之计。

成功人士会从失败中学习,他们会分析造成损失的理由,再花功夫研究以防同样的问题发生,在一次又一次的胜败过程中,寻找到最合适的风险控制手法,逐渐提高成功的机率。

我们无法回避金钱方面所有的风险,所以我们要做的是学会承担风险。

就如整体的通膨率不是我们这些普通人所能够控制的,可是,控制个人所面对的通膨风险却是我们所能够做到的。

每个月都有稳定收入是上班族能够安心的泉源,可是一旦安于现状就会开始害怕面临风险,因为担心会失去目前所拥有的,而很难让自己从人赚钱的模式转换去钱赚钱的跑道,也因为这样而无法致富。

谈恋爱会面对感情受伤的风险,所以就不追寻爱情?

出国旅行会面对坠机,行李遗失等风险,所以就不出国旅行?

生孩子会面对孩子叛逆,受伤,甚至成为啃老族的风险而不生育?

既然投资与否都同样需要面对风险,何不克服自己对风险的恐畏之心,接受它存在的事实,并开始学习面对它的方法?



8 comments:

  1. 总觉得水星兄的楼,可以让走歪的心态恢复到正确的轨道上,谢谢分享:)

    ReplyDelete
    Replies
    1. 赞同赞同,听水星熊一席话,胜读10年书。

      Delete
    2. 水星熊是只强心针啊,
      当熊市来的时候看看,
      水星熊的股息收入表,
      所有的担心害怕丢掉~

      Delete
    3. 你们怎么在唱双簧....不,三簧才对 XD

      不愧都是博客,呵呵.

      顺祝羊年行大运!!!

      Delete
  2. Hi Mercury,

    In general terms, investing risk refers to the uncertainty of the occurrence of a certain event that can affect future returns. But ask Buffett, and he would go a step further. Buffett defines risk as ‘permanent loss of capital’.

    As per this definition, risk is to lose whatever you’ve invested and not have any chance to get it back. Short term fluctuations in the stock prices, therefore, don’t equate with ‘risk’, as is generally considered in the investing circles.

    There are 2 types of risk faced by stock investors - (1) Capital Risk, and (2) Timing Risk. To mitigate the risk, I will guide myself only buy a good companies (to reduce capital risk) in a huge margin of safety (to reduce timing risk).

    "Confronted with a challenge to distil the secret of sound investment into three words, we venture the motto, Margin of Safety." - Benjamin Graham

    http://intelligentinvestor8.blogspot.com/2014/06/five-habits-of-highly-successful_537.html

    ReplyDelete
    Replies
    1. Intelligent Investor:

      Thank you so much for sharing Buffett & Graham's thoughts of investing risk, appreciate it.

      One thing mercury Bear really like about writing blog is we could always learn something from other blogger and reader too and see things from a different points of view.

      Mercury Bear is sure those who pay attentions to comments could be benefit too, will be better if got translated copies, hehe, may be Mercury Bear could use it in future articles, hope you don't mind :)

      Delete
  3. 其实,把风险管理好,控制好,就是了。
    我依然认为,论风险,投资股票的风险,并没有自己做生意的风险来得高。

    ReplyDelete
    Replies
    1. walkers皇后:

      同感,至少对自己不爱亲自在商业世界做老板的性格而言是对的.

      对某些天生拥有企业家特质的人而言则亲自做生意会比较符合他们的性格.

      对皇后而言,做收租婆风险可能比较低 XD

      Delete