Name: 開始投資的4個關鍵｜託尼-羅賓斯訪談（快速）-----。 (4 Keys to start investing | Tony Robbins Interview (Quick))
Uploaded: 2021-01-14T07:33:50.000Z
Duration: 2 min 57 s
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The average person thinks finance is so complex because frankly the industry tries to make

to 不定詞

it sound complex - they use words that you don't know so you don't know what to do...

What happens is we just give them our money and say deal with it - you gotta know that

you can't wait until you have a ton of money to start investing. If you can invest in business,

even a small amount, you can grow. I don't care how small it is, but you got to automate

it. You got to take a percentage of what you earn and pretend it's a tax. You're never

gonna see that money again, you automate it, it goes straight to the investment account

and you never see it as money you can spend. When you save 20% and you compound it... It's...

the numbers are incredible. But then the problem is: If you do that first step, but you don't

do the second step which is become an insider and understand the rules of the game - what

are- I'll give you 2 or 3 of the Myths, real fast: One, this myth that someone says give

me your money and I'm gonna beat the market. Over any ten year period of time, 96% of mutual

funds will not even match the market. They've all said it. Warren Buffet flat out said today-

so listen, in my will, 96% of money, all that money does not go with any mutual fund, it

goes straight into the index. What the index is you get a piece of all the largest companies

in the world but it costs almost nothing to get in. You hire someone because you say "I

have a family, I have a business, I have a life, I'm not an investor- I'm gonna hire

someone who's a professional, it makes sense they would do better than me." Unfortunately

that's wrong. 4% of will beat the market, 4% chance of finding the right mutual fund,

it's not gonna happen. So, the second thing is after getting terrible performance, people

say "Y'know, fees don't really matter" or they'll tell you it's only 1%. Forbes says

the average fee is 3.12% Now, 1% versus 3% - big difference. Here's the difference, just

like you grow by compounding, your fees also compound. If you have 3 people and one gets

1% fees, another 2% the other 3% - they all get the same return. They start out with 100,000

dollars at 35, for 30 years they accumulate to 65 years old - 7% compounded, they all

get 7% and when they go to retire, the person who had 1% in fees is gonna have 574,000 dollars.

The person who had 3% in fees will have 224,000 dollars. 77% less money. If I said to you:

"Here's the deal, let's do an investment. You put up all the money, you put up all the

money, you put up all the risk, I'll put up no money and I'll put up no risk. If you lose

I win, and if you win I win and if you win, over the life of the time I'll get 60% of

what you earn." That's a mutual fund with 3%. You could own the stock market - the smp

500, you could own a piece of all 500 big companies through like the vanguard 500 and

you get the best of all the business - apple, exxon, all these companies and it cost you

.17% if you go to a normal mutual fund you might own the same companies for 3.17% - That's

like buying a Honda accord for $20,000 or $350,000 for the same car. That happens every

day with finances because people don't know how to look at this so when they read the

book that will never happen to them again.