查理蒙格:2026年 + 全球降息潮 —— 握有現金將是「滅頂之災」,這4類資產才是你的諾亞方舟

理性投資者 December 19, 2025
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理性投資者

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理性投資者是一個專注於長期思維與價值投資的頻道,啟發自查理·蒙格(Charlie Munger)的智慧。我們以簡單、清晰、實用的方式,幫助你理解股票市場、投資心理與財富自由的核心原則,讓理性成為你最強的投資武器。

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理性投資者是一個專注於長期思維與價值投資的頻道,啟發自查理·蒙格(Charlie Munger)的智慧。 我們探討投資心理學、股票市場策略、儲蓄與投資習慣、以及財務自由的心法。 在這裡,你將學習如何以理性思考面對市場波動,培養長期致富的思維。 【警告:現金正在悄悄縮水】 面對即將到來的 2026年 與勢不可擋的 全球降息潮,許多人還抱著「現金為王」的舊觀念,殊不知這可能是一場財富的 滅頂之災。通貨膨脹這隻隱形怪獸正在吞噬你的購買力。在這個充滿不確定性的時代,單純 握有現金 已不再安全,你需要的是查理蒙格(Charlie Munger)的 逆向思維 智慧,為你的退休生活打造一艘堅不可摧的「諾亞方舟」。這不是關於如何一夜暴富,而是關於如何避免在中晚年陷入貧困。 【本集影片你將學到】 本集將深入解析蒙格的 財務斯多葛主義,揭露為何在降息週期中,死守銀行存款是最大的風險。我們將分享蒙格眼中的「4類避險資產」,教你如何運用 能力圈 來篩選標的,並透過 長線持有 優質資產來對抗通膨。你將學會如何從 打工思維 轉變為資本思維,利用 雙向複利效應 讓資產滾雪球,而不是讓債務滾雪球。這是一套專為追求 保本 與安穩生活的成年人設計的生存指南。 【核心觀點與蒙格哲學】 打防守戰重於進攻:通往財富自由的唯一路徑不是 追飆股 或 追熱點,而是 避免做蠢事。蒙格教導我們,投資的首要原則是 不賠錢原則,先確保 保本,再追求增長。 擁抱「無聊的有效」:真正的投資是枯燥的。透過 節制消費 與 打造儲蓄空間,將資金投入到具備護城河的資產中,享受 慢慢變有錢 的過程。這種 無聊的有效 策略,遠勝過市場上任何喧囂的投機。 遠離毒藥與干擾:債務是毒藥,它會摧毀你的複利引擎;見不得人好 的嫉妒心則會摧毀你的判斷力。遠離妒忌,專注於自己的 職場階梯思維 與投資修煉,保持內心的 財務斯多葛 寧靜。 視股票為「傳家寶」:不要頻繁交易,要將手中的資產視為可以傳承的 傳家寶。當你用 逆向思維 去思考「什麼會讓我破產」並避開它時,你自然會走在通往富足的道路上。 💬 你的下一步 如果你不想在 2026 年的降息潮中資產縮水,請務必看完這集影片! 👇 在下方留言:在這4類資產中,你目前持有了哪幾項?或者你還在單純持有現金嗎?分享你的看法,讓我們一起進步。 🔔 訂閱頻道:開啟小鈴鐺,學習更多查理蒙格的投資智慧,讓我們一起 慢慢變有錢,實現真正的靈魂自由。 ⚠️ 免責聲明(Disclaimer): 本頻道內容僅供教育與資訊參考,非任何形式之投資建議。投資有風險,入市需謹慎。請在作出任何投資決定前,自行研究並諮詢專業顧問。 #理性投資者 #初學者投資 #股票市場入門 #查理蒙格 #查理蒙格財務自由 #查理蒙格投資組合 #查理蒙格價值投資者 #查理蒙格百萬富翁心態 #查理蒙格如何選股票 #查理蒙格 #全球降息 #2026趨勢 #財務斯多葛主義 #逆向思維 #價值投資 #退休規劃 #抗通膨 #資產配置 #被動收入 #保本策略

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