如何像百分之一的人那樣投資

作者解釋了美國的前1%的與其他層級的投資項目的差異，但我覺得不同環境及條件下，比較是不適當的，容易產生基本歸因謬誤的情形，重點在於多元投資以及長期持有股票。

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In 1989, the top 1% of households in the United States controlled a little less than 23% of the wealth in this country. That number has now reached nearly 32%. By contrast, the bottom 90% have seen their share of wealth drop from 40% in 1989 to 31% today.
1989年，美國前1%的家庭掌控著這個國家不到23%的財富。而現在這個數字已經接近32%。相比之下，底層90%的家庭在1989年時擁有的財富份額從40%下降到了今天的31%。

The rich have gotten richer, and they are extending their lead.
富人越来越富裕，他们正在擴大自己的領先優勢。

The bottom 50% by wealth percentile owns just 6% of assets but a whopping 32% of liabilities.
財富百分之五十以下的人擁有僅僅6%的資產，但卻擁有驚人的32%的負債。

Ownership in the stock market is still more uneven. The top 1% owns more than 53% of stocks while the top 10% holds 89% of the total:
股市中的所有權仍然不平均。最富有的1%擁有超過53%的股票，而最富有的10%持有總股票的89%。

When we break things down by assets and liabilities, you can see that while the top 10% controls 70% of the assets, the bottom 90% holds 75% of the debt:
當我們從資產和負債的角度來看，你會發現雖然前10%掌控了70%的資產，但底下的90%卻擁有75%的債務

Stocks are the asset class that historically has the highest long-term returns so it makes sense that the gap between the haves and the have-nots has grown.
股票是歷史上長期回報率最高的資產類別，所以有錢人和沒錢人之間的差距擴大是合理的。

Housing makes up more than 52% of financial assets for the bottom 50% bu just 13% of total wealth for the top 1%.
住房在底層50%的金融資產中佔比超過52%，而在頂層1%的總財富中僅佔13%。

The top 1% also has a higher share in things like cash, bonds, and private businesses. But you can see from the chart that most of their wealth is invested in the stock market, while housing is by far the biggest asset for those in the bottom 90%.
頂尖的1%在現金、債券和私營企業等方面也擁有更高的份額。但從圖表可以看出，他們大部分的財富都投資在股市上，而住房對於底層90%的人來說是最大的資產。

So what can we learn about investing like the 1% when it comes to how they allocate their assets?
那麼，當談到他們如何配置資產時，我們可以從1%的投資方式中學到什麼呢？

Don’t concentrate your investments. While the bottom 90% has most of their wealth concentrated in a single asset–their home–the top 1% has a more balanced approach. A house will likely always be the biggest asset for the majority of Americans, but it’s important to diversify your money into other assets like stocks and bonds.
不要把你的投資集中在一個地方。雖然90%的人將大部分財富集中在一個資產上——他們的房子——但是頂級1%的人採取了更加平衡的方法。對於大多數美國人來說，房子可能永遠是最大的資產，但是將你的錢分散到其他資產，如股票和債券，是很重要的。

Buy stocks. Not everyone has the ability to own their own business, but you can own a share of corporate profits by investing in the stock market. The stock market remains the simplest way to build wealth over the long term by riding the coattails of the biggest and best companies in the world.
買股票。並非每個人都有能力擁有自己的生意，但你可以通過投資股市擁有公司利潤的一部分。股市仍然是最簡單的方式，通過跟隨世界上最大最好的公司的軌跡，在長期內積累財富。

原文網址:

https://awealthofcommonsense.com/2023/07/how-to-invest-like-the-1/