On Regular Investing 定投改變命運 by Xiaolai Li , rewritten in English by John Gordon & Xiaolai Li Day 21-25

下午10:06

 Day 21

Part One: Regular Investing 

Investing is not easy, and successful investing is even harder. But just because something isn't easy doesn't mean there  isn't a simple , direct , brutal and effective strategy that almost everyone can correctly master and deploy.

投资不容易,成功投资更不容易。然而,不容易并不意味着说没有简单直接粗暴有效的可行策略。定投策略,就是一个如此简单直接粗暴的有效策略,乃至于几乎人人都可以正确掌握进而正确践行。

Day 22

1.1 The strategy and Results

1.1 定投策略及其效果展示

Regular investing is quite simple.

Regularly invest a set amount in a particular(特定) investment over a long period(时间) of time. 

定投策略很简单:针对某个投资标的在很长的时间内定期投资一定的金额。

For example ,every week (regularly)for the next five or ten years(a long period of time) invest 200 USD (a set amount) in BOX (a particular investment) . Of course , you could change BOX to any investment that is worth investing in and holding over a period of time.such as shares in Apple,Maotai,coca-cola,or an S&P 500 index fund.

例如,在未来的五到十年之中(很长的时间,即长期),每周(定期)投资BOX这个无管理费的区块链数字资产ETF产品(投资标的)150美元或者1000元人民币(一定的金额)...当然,你可以把BOX替换为任何针对长期投资并持有的标的,比如苹果公司股票,贵州茅台股票,可口可乐股票,或者标准普尔指数基金(S&P500)

Day 23

Is such a simple strategy really effective? The number don't lie.

如此简单的策略是否真的有效?用数据说话最靠谱。

Suppose you started investing in the S&P 500 on October 8th 2007.Knowing what we know now, that seems to be the worst time to enter the market, because what immediately followed was the 2008 financial crisis, and it was that day that the stock market began to crash. So if you started investing $1000 USD per week on that day ....

假设你在2007年10月8日进入市场,开始定投标准普尔指数基金(S&P500)----当然我们现在都知道,那可是最坏的时机,----那天基本上是后面被称为“2008全球金融危机“的起点,从那天开始,标准普尔指数”一路狂泻“。如果你竟然从那时开始每周定投标准普尔指数基金1000美元,并持续拥有....

Day 24

What would the result be?

Back on the October 8th, 2007, it would be really hard to say. But looking at it from today , more than a decade(十年) later, the answer is clear : the result were fantastic! 

We experienced a crash in the market from $1561 to a low $683, but we kept buying at that low price.

Later, the market recovered, and by October of 2019 the S&P 500 had exceeded(超过) $2960

结果如何呢?如果我们现在正站在2007年的10月8日,那么就很难清楚地想像结果究竟如何;可是,从十多年后的今天回头望过去,答案就很“明显”---结果当然非常好。虽然经历了一段从1561美元暴跌的过程,最低至2009年3月2日的683美元(所谓的腰斩),但毕竟最终收复了暴跌前的价格,不仅如此,此后价格持续上涨,虽然中间有所起伏,现在(2019年10月)已经是2,960美元以上了....

Day 25

But this description is missing an important detail. The chart below shows the value of your total assets (the red line) and the value of your total investment ( the blue line)

然而,很可能有一个非常重要的细节你并没有意识到。下图是你累计投资额和你手中的资产净值曲线:

There is an extended period of time (持续一段时间)when your asset value drops below your total investment.But towards(往)the and of 2009 the red line passes the blue line, and it almost never drops below it again, growing taster over time.

在图二中,红线(你手中的资产净值)在相当长的一段时间里持续落后于蓝线,(你的累积投资金额)然而,大约在2009年年底的时候,红线穿过蓝线,此后几乎就一直处于超越蓝线的状态,并且相对于蓝线的增长是越来越快。

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