我們的精神偶像與財富導師                     

羅伯特‧清崎

在他的新聞信中

曾經提到紐約時報這則新聞。

 

看到圖表資料更是令人震驚不已。

羅伯特‧清崎早在2005

《經濟大預言》一書中

就曾經警告過:

當美國戰後嬰兒潮世代陸續退休後,

股市的動能將難以為繼,

現在看來果然不假。

 

他的警告你有沒有聽進去?

你還是滿手股票、基金、期貨選擇權…

等等和股市相關的「有價證券」嗎?

你做好這次衝擊的準備了嗎?

 

除非你幾個月之內就要離開地球,

要不然趕緊閱讀

《富爸爸:經濟大預言》以及

《富爸爸:有錢人的大陰謀》兩本書,

比什麼都重要!

 

令人震驚的改變

小散戶從股市棄逃

In Striking Shift, Small Investors

Flee Stock Market

n 今年這七個月以來,投資人一共從
「股市相關的基金」當中撤資
331.2億美元,
去尋求更穩健的投資標的,例如債券
*

n 如果趨勢不變,今年從股市流失的資金
將會打破
1980年的紀錄。

n 投資機構首席經濟專家Brian K. Reid說:
「根據以往經驗,以目前的經濟狀況下,
通常會有
100200億美元流入國內的股票
基金之中。但是現在反而是以數百億美元
的速度流出,這種狀況是非常反常的。」

n 對許多投資人來說,這次的經濟復甦感覺起來很假。

n 隨著戰後嬰兒潮是代陸續退休,
許多人從退休帳戶的投資組合中
剔除各種股票和股票基金。

By GRAHAM BOWLEY

Published: August 21, 2010

Renewed economic uncertainty is testing Americans’ generation-long love affair with the stock market.

Investors withdrew a staggering $33.12 billion from domestic stock market mutual funds in the first seven months of this year, according to the Investment Company Institute, the mutual fund industry trade group. Now many are choosing investments they deem safer, like bonds.

If that pace continues, more money will be pulled out of these mutual funds in 2010 than in any year since the 1980s, with the exception of 2008, when the global financial crisis peaked.

Small investors are “losing their appetite for risk,” a Credit Suisse analyst, Doug Cliggott, said in a report to investors on Friday.

“At this stage in the economic cycle, $10 to $20 billion would normally be flowing into domestic equity funds” rather than the billions that are flowing out, said Brian K. Reid, chief economist of the investment institute. He added, “This is very unusual.”

For a lot of ordinary people, the economic recovery does not feel real,” said Loren Fox, a senior analyst at Strategic Insight, a New York research and data firm. “People are not going to rush toward the stock market on a sustained basis until they feel more confident of employment growth and the sustainability of the economic recovery.”

One investor who has restructured his portfolio is Gary Olsen, 51, from Dallas. Over the past four years, he has adjusted the proportion of his investments from 65 percent equities and 35 percent bonds so that the $1.1 million he has invested is now evenly balanced.

He had worked as a portfolio liquidity manager for the local Federal Home Loan Bank and retired four years ago.

“Like everyone, I lost” during the recent market declines, he said. “I needed to have a more conservative allocation.”

To be sure, a lot of money is still flowing into the stock market from small investors, pension funds and other big institutional investors. But ordinary investors are reallocating their 401(k) retirement plans, according to Hewitt Associates, a consulting firm that tracks pension plans.

Until two years ago, 70 percent of the money in 401(k) accounts it tracks was invested in stock funds; that proportion fell to 49 percent by the start of 2009 as people rebalanced their portfolios toward bond investments following the financial crisis in the fall of 2008. It is now back at 57 percent, but almost all of that can be attributed to the rising price of stocks in recent years. People are still staying with bonds.

Another force at work is the aging of the baby-boomer generation. As they approach retirement, Americans are shifting some of their investments away from stocks to provide regular guaranteed income for the years when they are no longer working.

And the flight from stocks may also be driven by households that are no longer able to tap into home equity for cash and may simply need the money to pay for ordinary expenses.

On Friday, Fidelity Investments reported that a record number of people took so-called hardship withdrawals from their retirement accounts in the second quarter. These are early withdrawals intended to pay for needs like medical expenses.

According to the Investment Company Institute, which surveys 4,000 households annually, the appetite for stock market risk among American investors of all ages has been declining steadily since it peaked around 2001, and the change is most pronounced in the under-35 age group.

原文(全)連結:

 http://www.nytimes.com/2010/08/22/business/22invest.html

 

 

FrederickWang 發表在 痞客邦 PIXNET 留言(3) 人氣()


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  • LKK
  • 1945+1(軍人復員回家)+1(懷孕)+65=2012
  • Robert
  • 我不認為買債券比較安全的,相信有看過富爸爸買賣貴重金屬的人就知道。(但是
    我認為國債相對比公司債安全是一定的。)
    相信有讀過巴菲特的投資法的人都知道
    1.未來永遠不明,想要在市場上取得預測共識,終將付出慘痛代價。
    2.市場不確定性是做長期價值導向投資人的好朋友
    -warrent buffett

    等待大跌巴,該我們貪婪了。
    我看了富爸爸的書籍和其他的經濟書籍領悟一些事,覺得還是要自己思考一下。
    有些人告訴你了事實,他確實是事實,但他也撈了一票,是吧。我學到了這點。
    不該別人說甚麼就相信什麼,自己思考不管對錯,至少是屬於自己的東西。

    Warren Buffett: A Bull in Cow Country

    http://dealbook.blogs.nytimes.com/2010/09/14/warren-buffett-a-bull-in-cow-country/

    Warren Buffett sees no 'double-dip' for economy, and suggests where to get a loan

    http://latimesblogs.latimes.com/money_co/2010/09/warren-buffett-economy-double-dip-stocks-wells-fargo.html
  • sky
  • 我記得我在2003年就買了經濟大預言來讀過了
    心裡非常震撼 打造財務方舟永遠不嫌晚
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