The Investment Answer Learn to Manage Your Money & Protect Your Financial Future 下载 pdf 电子版 epub 免费 txt 2025

　　What if there were a way to cut through all the financial

mumbo-jumbo? Wouldn't it be great if someone could really explain

to us-in plain and simple English-the basics we must know about

investing in order to insure our financial freedom?

At last, here's good news.

Jargon-free and written for all investors-experienced,

beginner, and everyone in between-THE INVESTMENT ANSWER distills

the process into just five decisions-five straightforward choices

that can lead to safe and sound ways to manage your money.

When Wall Street veteran Gordon Murray told his good friend and

financial advisor, Dan Goldie, that he had only six months to live,

Dan responded, "Do you want to write that book you've always wanted

to do?" The result is this eminently valuable primer which can be

read and understood in one sitting, and has advice that benefits

you, not Wall Street and the rest of the traditional financial

services industry.

THE INVESTMENT ANSWER asks readers to make five basic but key

decisions to stack the investment odds in their favor. The advice

is simple, easy-to-follow, and effective, and can lead to a more

profitable portfolio for every investor. 　　Specifically:

* Should I invest on my own or seek help from an investment

professional?

* How should I allocate my investments among stocks, bonds, and

cash?

* Which specific asset classes within these broad categories

should I include in my portfolio?

* Should I take an actively managed approach to investing, or

follow a passive alternative?

* When should I sell assets and when should I buy more?

In a world of fast-talking traders who believe that they can

game the system and a market characterized by 　　instability, this

extraordinary and timely book offers guidance every investor should

have.

　Why We Wrote this Book

　Introduction

THE DECISION

　Chapter 1— The Do-It-Yourself Decision

　　Do-It-Yourself

　　RetailBrokers

　　Independent, Fee-Only Advisors

　　How to Select an Independent, Fee-Only Advisor

　 Chapter 2— The Asset Allocation Decision

　　The Impact of Volatility on Returns

　　Risk and Return are Related

　　The Asset Allocation Decision

　Chapter 3— The Diversification Decision

　Chapter 4— The Active versus Passive Decision

　　Active Investing

　　Passive Investing

　Chapter 5— The Rebalancing Decision

CONCLUSIONS

　Chapter 6— Compared to What?

　Chapter 7— What About Alternatives?

　　Hedge Funds

　　Private Equity (Including Venture Capital)

　　Commodities (Gold, Oil & Gas, Etc.) 

　Chapter 8— Everyone Can Succeed 

　A Personal Note from the Authors

　About the Authors

　Appendix

　Sources and Descriptions of Data 

　Index

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书籍介绍

What if there were a way to cut through all the financial mumbo-jumbo? Wouldn't it be great if someone could really explain to us-in plain and simple English-the basics we must know about investing in order to insure our financial freedom?

At last, here's good news.

Jargon-free and written for all investors-experienced, beginner, and everyone in between-THE INVESTMENT ANSWER distills the process into just five decisions-five straightforward choices that can lead to safe and sound ways to manage your money.

When Wall Street veteran Gordon Murray told his good friend and financial advisor, Dan Goldie, that he had only six months to live, Dan responded, "Do you want to write that book you've always wanted to do?" The result is this eminently valuable primer which can be read and understood in one sitting, and has advice that benefits you, not Wall Street and the rest of the traditional financial services industry.

THE INVESTMENT ANSWER asks readers to make five basic but key decisions to stack the investment odds in their favor. The advice is simple, easy-to-follow, and effective, and can lead to a more profitable portfolio for every investor. Specifically:

* Should I invest on my own or seek help from an investment professional?

* How should I allocate my investments among stocks, bonds, and cash?

* Which specific asset classes within these broad categories should I include in my portfolio?

* Should I take an actively managed approach to investing, or follow a passive alternative?

* When should I sell assets and when should I buy more?

In a world of fast-talking traders who believe that they can game the system and a market characterized by instability, this extraordinary and timely book offers guidance every investor should have.

• 作者：杨贵福 发布时间：2021-01-28 18:10:08

  书名、作者、出版社、出版时间、版次、ISBN都相同，封皮和定价不同。我看的版本46.00元。

• 作者：mouse 发布时间：2020-04-28 21:30:36

  书做得很精致，但内容实在是太水了。。。可能期望太高了，对这种现象有观察，但只停留在表面，基本上网看看就能自动了解了

• 作者：筱堂 发布时间：2023-07-16 17:42:13

  右图左史，简单明了。走马观花，翻读一过。意在返回现场，获得历史感也。廿三年七月十六日阅讫于宁乡梅家田寓次，是日父母携清妍、易安、易宁三孙归来，余笑谓三人者清静、安静、宁静，理当静谧也，乃翩其反而，喧闹翻天，无可奈何，一笑置之。

• 作者：Van 发布时间：2012-06-17 00:03:12

  基础框架。

• 作者：乌鸦嘴事务所（ 发布时间：2019-09-06 21:24:31

  整个故事非常简单苍白，只是强行把表达的主题扯到作者自己的茫然，期待改变升华到渴望保持好奇与童真之类。环形叙事结构加上小故事填充是讨巧的写法，但是小故事写得实在太雷同既没有想法文笔也不出色。此书表现了现在很多作家的大问题就是写了一堆啥玩意只能全靠自己前言后记来解说。

• 作者：ி肥兔 发布时间：2013-02-26 10:40:04

  质感好好

• 一本叫做“投资答案”的失败的理财书

  作者：leoleh 发布时间：2011-11-03 13:17:48

  这是我网购四年以来最差的书，不是之一。但在批评之前还是先说一下这本书的优点吧：硬皮精装本，纸张很好，翻译比较通顺。除这三点，这本书没有给我留下任何的正面的感受。

  1. 这本书是一个典型的注水肉般的书，注水到疯狂的书。

  全书，包括目录、前言、附录等等，一共161页，再加上前面的21页推荐人和推荐语，后面7页的广告，2页的内封和版权页，这本书算得上有191页了。但是，各位，如果扣除掉13页的前言目录和导言，17页的附录和数据来源，正文一共只有131页。再扣除掉两个部分的标题各占2页，八章标题再各占2页，正文内容一共只有111页。在111页正文内容中，有25页上面居然有半页英文。这25个半页的英文完全重复了其上半页的内容，于是正文再次悲催地减少了12.5页。

  也就是说，各位，这本号称有191页的书，实际正文内容只有98.5页。

  不要着急，还没完。正文中，每页有17行（这几乎是行数最多的一页了），每行有23个字（算上标点），算起来一页上有391个字。也就是说，全书正文内容只有不到4万字。这还不算几乎每隔一两页就有一段正文文字被单独拿出来，用浅黄色字体印刷在灰色底纹上，完全看不清楚。如果扣除掉这些内容，我怀疑全书究竟有没有3万字的内容。

  注水注到这个份儿上，我不知道策划编辑李明和责任编辑曹爱菊心里会不会有一丝心虚。

  2. 这货不是一本投资的书，这货是一本叫做“投资答案”的理财的书。

  投资是一条艰险的路，这条路只适合少数愿意付出艰辛努力的人去走。这本书非常真诚地，甚至是喋喋不休地只说了一件事，那就是不要主动投资，要被动投资。如果说它除了这件事以外还说了些什么，那大概还可以找出两三条来：比如要找一个独立理财顾问来帮你进行被动投资；比如要多元化投资不要集中投资；比如要保持固定的资产比例。

  好吧。我承认，如果上一段中涉及到的那几个词你都不知道什么意思，那么这本书大概是适合你的，而且可以打上三颗星。但是，对于一本叫做“投资答案”的号称是“华尔街禁书”和“AMAZON畅销书总榜冠军”的书来说，这是不是也有点儿太搞笑了。

  我甚至一度怀疑，闹得沸沸扬扬的“占领华尔街”运动，是不是就是这货忽悠起来的？

  3. 对于已逝的戈登•默里，我不想做什么评价。但对于另一位作者，身为“独立理财顾问”的丹尼尔•戈尔迪……

  是不是有点儿熟悉？好像在前面见过这个词？

  不用找了。这本书通篇都在说，不要自己投资，要找专业人士帮忙；找专业人士不要找经纪人，要找“独立理财顾问”。

  这个嘛，咳咳，你懂的......

• 你还买股票基金？——此书的几个值得关注的观点

  作者：小崔 发布时间：2011-04-25 21:31:38

  1 著名机构dalbar用近20年的美国市场数据告诉我们：股票基金的年均收益只有3.2%，而标普500的回报率是8%。买股票基金的收益仅仅比通胀2.8%高一点。这还是美国，通胀率低。中国的情况可想而知。那你还买股票基金？

  2 有效市场理论以及把鸡蛋放在好几个篮子里的理论，与近期研读的巴菲特思想完全南辕北辙。巴菲特把有效市场理论称之为拿着飞镖在股市里选股票，认为其在金融市场完全失效；同时认为把鸡蛋放在一个篮子里比放在多个篮子里更好。而此书作者认为买什么股票不重要，最重要的是做好投资组合！不要争论谁对谁错，理论就是这么具有多样性。

  3 这本畅销书里引用的一句话还是非常值得品味：”对一个人的幸福感和判断力干扰最严重的事情，莫过于看到朋友发财致富。“这句话的作者是著名的经济学家金德尔伯格。

  4 投资多元化未必是好事。最靠谱的还是股票。我比较赞同这个，因为你看现在最富有的人，基本都是靠股票。比如比尔盖茨，是微软的股权让他成为首富，巴菲特更不用说了。