有位球友阅读了“懒人理财”之后问我:如果想要“专心”打球,就不能从事股票投资,而只能投资基金?“当然不是!投资基金是踏入证券投资的一个起点,在还没有开始了解上市的股票之前,我们通常建议投资人从投资基金开始。但是,如果投资人的基本功夫和心态正确,股票是很适合小额投资人的,理由包括:所需投资金额小、变现性高、交易程序简易和长期投资税赋轻(目前国内在股票投资方面没有交易利得税,只有买卖时要付的印花税)。总之,投资人只要把握价值投资原则,能够分散投资并长期持有,股票实在是个人及家庭不错的投资工具。可惜,绝大多数的股票投资人无法承受股票价格起起伏伏的风险,禁不起赚取价差的诱惑,落入了短线买卖游戏之中,也许幸运的话,短期间还有赚钱的可能,但长期而言,常常将手中的股票杀进杀出,最后终于因为高买低卖,付出大量交易成本,赔钱事小,影响个人工作和家庭生活更得不偿失。这就是为什么明明股票长期平均投资报酬率很高,但经由投资股票而致富的人却不多见的原因。难道投资股票很难吗?我们可以拿高尔夫运动来比喻,教练教授的秘诀是要练稳每一个基本动作,从握杆、站姿、上杆到后面的收杆,我们总是要能够将每一个动作都熟练,随时检查,一直练习到做这些动作就像我们呼吸一样的自然。之后遇到球场上各种状况都可以将球技稳定地发挥。 A ball friends read the ”lazy wealth management“ and asked me: If you want ”concentrate “ playing, you can not engage in stock investment, but only invest in funds? ”Of course not! Investment funds into the securities We usually recommend that investors start with investment funds before they get to know the stocks they list, but if the investor has the basic skills and mentality, the shares are a good fit for small investors, for several reasons, including: The amount of investment required is small, the liquidity is high, the transaction procedure is simple and the long-term investment tax is light (there is no transaction profits tax in the domestic stock investment at the moment, only the stamp duty to be paid when trading). In short, investors should grasp the principle of value investment, To diversify the investment and long-term ownership, the stock is really good investment vehicles for individuals and families Unfortunately, the vast majority of stock investors can not afford the ups and downs of the risk of stock prices, can not afford to seize the temptation to spread, fall into the short-term trading In the game, maybe lucky, there is the possibility of making money in the short term, but in the long run, often kill the hands of the stock kill, and finally finally because of the high buy low, pay a lot of pay Costs, losing money are small, affecting personal work and family life more harm than good.This is why it is obvious why long-term average return on investment is high, but people who get rich by investing in stocks are rare. Is it difficult to invest in stocks? We can take a metaphor for golf. The secret of a coach is to practice every basic move. From the grip, the stance, the pole to the back, we always have to be able to master every action and check , Has been practicing to do these movements just as we breathe naturally.After meeting the various conditions on the court can play the game steadily.