无为投资 Effortless Investment Style

It is not a negative term at all to invest effortlessly. As we all know, most active investments can’t beat the broad market and the management fee and expense is way higher. A lot of famous hedge funds can’t consistently beat the market either. I bought renaissance hedge fund which claims to be one of the best in the world and its return is rather disappointing compared to the s&p 500.

无为投资绝对不是一个负面的词。我们知道,绝大多数的主动管理的基金并不能超过大盘的回报,而且他们有很高的管理费用。很多著名的对冲基金并不能次次都赢过大盘。我曾经买过著名的文艺复兴的基金,它的表现对比大盘相当失望。

Maybe as a Chinese old saying: 无为(no-action), in recognizing the market is full of all kinds of investors and traders. They may know some information you don’t know or they may employ complicated models and strategies. To beat the the market is possible with effort, but your effort is likely counter-productive and you could lose to the market.

就如中国古代的说法:无为而治,要认识到市场里充满了各种各样的投资者和炒盘手。他们可能知道你不知道带一些消息或者用一些复杂的模型和策略。要赢这样的市场,赢要花力气而且往往你的努力是反的,然后就输给了市场。

As a average investor, staying with the market is the best and effortless strategy. The time in the market is more important than timing the market. No to mention spy 500 offers dividends payout as well.

作为一个普通的投资者,最简单不花力气的就是投资大盘。时间花在市场里比去猜涨跌要重要。而且大盘指数会发分红。

There are several ETF tracking broad market: ivv, spy, voo. And fidelity also offers some 0 fee index fund that tracks market too.

有些的ETF是跟踪大盘的:ivv, spy,voo。fidelity 还有一些没有费用的指数基金。

ETF has a way to capture intraday return, mutual fund has a way to reinvest the dividends on your behalf, so you can completely be off the hook. So the time can be yours completely while the dividends are compounded and gain returns.

ETF可以获取一些盘间的回报,基金能则可以被动将分红再去投资,所以你完全不用管。这样你的时间就完全属于你自己了。

So if you want to be completely effortlessly gaining market return, zero fee index fund is your best instrument.

所以完全的无为投资,没有花费的指数基金是最好的金融产品。

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