永無止境 富人如何保持富有

When many of us have a little cash to invest, wemight buy a mutual fund or a stock — if we don’tblow it on the latest tech gadget. Not the trulywealthy, however. They often put their money inproperty, art, businesses and other investmentsthat the rest of us can only dream of owning. Howthis group uses their cash differentiates them fromthe rest of us — and keeps them in the black。

很多人手頭有現(xiàn)金時，如果不將其全部揮霍在最新的高技術(shù)產(chǎn)品上，就會買共同基金或者股票。但是真正的富人不這么做，他們經(jīng)常投資一些普通人夢寐以求的不動產(chǎn)、藝術(shù)品、商業(yè)或者其他投資項目。這個團(tuán)體使用現(xiàn)金的方式讓其在眾人中脫穎而出，也讓他們一直保持富有狀態(tài)。

 

 

Take Joshua Coleman, for example. When his family sold their Chicago-based telecom companyfor $400m in 2004, they didn’t run out and buy something extravagant. Instead, they beganseeking advice on ways to save their newfound riches and help them grow。

以約書亞·科爾曼為例。2004年其家人以4億美元的價格將總部位于芝加哥的電信公司售出，但是他們并沒有將這筆錢揮霍殆盡或者購買其他奢侈品。相反的是，他們開始尋求建議，以找到節(jié)約這筆新財富并使其增值的方式。

Their quest sparked an idea for Coleman. In 2011, he launched Momentum Advanced Planning— a firm that connects people to tax, legal and wealth experts. If the business one day sells,he could see a big return, just like his first business。

探索激發(fā)了建立科爾曼公司的想法。2011年，科爾曼成立了動力現(xiàn)金計劃公司，為人們提供稅收、法律以及健康專家的信息。如果有一天商業(yè)運(yùn)轉(zhuǎn)起來，就會和之前的企業(yè)一樣，有很大的收益。

If you think that starting a business is an odd way to invest your money, then you probablyaren’t among the ultra-wealthy. People who have at least $30m in assets invest in stocks andbonds, but they also grow their money by buying companies and investing in unusualsecurities, such as airline leasing funds. They also own art and cars that they hope willappreciate in value。

如果你認(rèn)為創(chuàng)業(yè)并不是投資方式，那么你很可能就不屬于超級富豪這個群體。擁有3千萬美元資產(chǎn)的人不僅投資各類股票和債券，還會收購公司并投資一些不尋常的債券，如航空租賃基金，使自己的資產(chǎn)增值。此外，他們還擁有一些藝術(shù)品和汽車，期待其增值。

“It’s called alpha risk,” said Coleman. “It’s this kind of stuff where there can be a lot of upside。”

“這叫做‘阿爾法風(fēng)險’，”科爾曼說道，“這能為你帶來很多好處。”

As for the downside, many of these investments are riskier than traditional investments, sothere’s a higher chance of losing a large chunk of change. As well, they’re far less liquid thanstocks and it could talk months or years for the wealthy to get their money out of aninvestment。

其缺點(diǎn)在于，與傳統(tǒng)投資方式相比，此類投資的風(fēng)險更大，因此更可能失去改變的機(jī)會。此類投資不如股票的流動性強(qiáng)，通常要過數(shù)月或者數(shù)年才能從投資中收回。

Even if you don’t have millions to invest, though, you can learn a thing or two about how therich reap returns and apply it your own portfolios。

盡管你沒有數(shù)百萬元進(jìn)行投資，但是你也能從富人收獲回報的方式中學(xué)習(xí)一兩點(diǎn)，并將其應(yīng)用于自己的投資中。