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哈佛大学超具人气的理财课

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哈佛大学超具人气的理财课

Name: 哈佛大学超具人气的理财课
Brand: Jingdong book
SKU: 3111010311
Price: 19.90 USD
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哈佛大学是美国培养亿万富翁超多的大学，其独特的教学理念、学习风格以及理财观念给哈佛毕业的学子们留下了深刻的印象，并且帮助他们成功。
本书是一本与哈佛教学理论相结合的实用的理财投资书，有助于读者了解理财投资，掌握实用的理财投资技巧，并引导读者树立正确的理财投资观，读者得到的不仅是财富，还会有一份人生的从容与平静。

Author Description

韩布伟，知名时评人，80后畅销书作家，担任主编、企业特聘战略型导师等。对哈佛大学、沃顿商学院、斯坦福大学、耶鲁大学、伦敦大学等国外名校的特色课程做过深入研究，结合教授、学者、杰出校友的亲身经历，以探求商业思维、创业、沟通谈判、管理、理财的本质。

Catalogue

《哈佛大学超具人气的理财课》 / 1
前言 / 2
上篇寻找理财的根源
第一课“财”是价格还是价值 / 2
一、“财”的时间价值及误区 / 5
（一）复利：巴菲特投资年增长率仅为 24％ / 9
（二）100 万美元闲置一年，就等于被“盗”10 万美元 / 12
（三）价值判断的唯一标准是标准普尔 500 指数 / 17
（四）理财的最高境界不是投资而是投“机” / 22
二、“财”不仅仅是货币 / 26
（一）观念上的货币 / 27
（二）现实的货币 / 29
（三）谁偷走了你的美元 / 32
第二课“财”矢量的合成 / 35
一、理财中的经济学杠杆 / 37
二、价值投资 / 43
三、理财误区：理财产品种类太多 / 46
四、理财误区：反向操作 / 50
中篇财商思考
第三课理财战略：钱生钱的几何思考 / 56
一、几何算法 / 58
二、建立你的储蓄基金 / 63
三、建立帝国的秘密 / 67
四、平台思维 / 70
第四课市场走势：供给与需求曲线 / 73
一、均衡点：供给曲线与需求曲线的相交点 / 75
二、谁在控制市场变化曲线 / 79
三、苹果产品的供给策略 / 83
四、巴菲特为何很少投资失手 / 88
第五课财务知识：数字的秘密 / 92
一、如何看懂财务报表 / 94
二、不可不知的财报数据秘密 / 101
三、以数字的视角看雷曼兄弟破产 / 104
四、普华永道教你如何规避财务陷阱 / 109
下篇听理财大师讲如何打理你的财富
第六课听沃伦?巴菲特讲投资风险 / 116
一、考虑最坏的情况 / 119
二、只做看准的交易 / 124
三、阅读财务报表 / 128
四、发现顶部 / 132
五、识别底部 / 136
第七课听乔治?索罗斯讲市场趋势及人类缺陷 / 141
一、什么是反身性 / 144
二、反身性理论模型 / 148
三、突破扭曲的观念 / 153
四、羊群效应 / 157
五、无效的市场 / 162
第八课听吉姆?罗杰斯讲投资时机 / 168
一、市场永远是错的 / 171
二、了解自己在干什么 / 174
三、绝不赔钱 / 178
四、耐心等待 / 183
第九课听彼得?林奇讲投资方向 / 187
一、不熟不做 / 190
二、寻找沙漠之花 / 194
三、利空寻宝 / 197
四、跟着嘴投资 / 200

Introduction

前言

坐落于美国马萨诸塞州的哈佛大学（Harvard University）是美

国最早的私立大学以及著名的常春藤盟校成员。哈佛大学培养了 8

位美国总统，上百位诺贝尔奖获得者，在文学、医学、法学、商学

等诸多领域拥有崇高的学术地位及广泛的影响力，被公认为是世界

顶尖的高等教育机构之一。

哈佛大学诞生于 1636 年，有着悠久的历史，最早由马萨诸塞

州殖民地立法机关创建。为了纪念学校成立初期给予学院慷慨支持

的约翰 • 哈佛（John Harvard）牧师，学校被命名为“新市民学院”。

1639 年 3 月，新市民学院更名为哈佛学院。1780 年，哈佛学院正式

改称哈佛大学。

哈佛大学被外界称为“亿万富翁的孵化器”，在《福布斯》杂

志评出的培养亿万富翁人数最多的美国 14 所大学排行榜中，哈佛大

学以拥有 62 名亿万富翁校友而位列第一。这些亿万富翁包括微软创

始人比尔 • 盖茨（Bill Gates）对冲基金大亨肯尼斯 • 格里芬、（Kenneth

C.Grifﬁn）、石油大王约翰 • 洛克菲勒（John D.Rockefeller）等。

当然，从哈佛大学毕业的人不一定会成为亿万富翁，但是很

显然，哈佛大学会为你成为亿万富翁提供助力。美国媒体报道，

全球有 52 位健在的具有哈佛大学学位的富豪。报道称，“在世界

范围内，只有 20% 的富豪是通过继承获得财富的。另外 20% 的富

豪则是利用继承的一小笔财富赚得一大笔财富，如唐纳德 • 特朗普

（DonaldTrump）。有 60% 的富豪都是白手起家，比如比尔 • 盖茨、

沃伦 • 巴菲特（Warren Buffett）等。

哈佛商学院就像哈佛这顶王冠上一颗耀眼的明珠。洛克菲勒家

族成员、1969—1981 年任大通银行董事长的大卫 • 洛克菲勒（David

Rockefeller）、彭博社创始人、前纽约市长迈克尔 • 彭博（Michael

Bloomberg）都毕业于哈佛商学院。

据说，哈佛商学院的第一堂经济学课会教给学生两个概念：第一，花钱有投

资行为与消费行为之分；第二，每月工资必须先储蓄 30%，剩下的再进行消费。

哈佛商学院的教授是这样阐述理财实质的：“理财是为了实现个人的人生目标和

理想而制订、安排、实施和管理的各方面总体协调的财务计划的过程，是一个漫

长的过程。”富人的钱多，需要理财，而穷人为了实现人生理想，更需要理财。

首先，理财具有调节收支平衡的作用。日常生活中，人们经常因为由于缺少

相应的理财计划而增添了很多个人烦恼。例如，没有记账习惯的人往往没有意识

到钱究竟花在了什么地方，过度地消费行为与投资行为失衡便容易导致各种收支

问题。比如，“月光族”就是指那些因没有制订合理的理财计划，导致每月入不

敷出的群体。

其次，理财可以帮助人们缓解生活压力，减轻生活负担。没有人是一帆风顺

的，偶尔有紧急情况发生的时候，人们就会急需用钱。有些人从来都不做理财计

划，每个月都处于过度消费的情况下，生活备用金也几乎没有。当有紧急情况发生，

急需用钱时，就会为了筹钱而心力交瘁。理财的意义，并不只是钱生钱，还可以

避免有钱时为了行乐而一举花光。通过理财，我们会知道如何进行收益最大化的

资产配置，迎刃有余地解决生活中用钱的窘境。

再次，理财可以帮助财富增值。理财包括投资，如果找到适合自己的理财产品，

就可以通过固定收益获得一笔额外收入，推动我们追求财富的梦想。当前的理财

产品五花八门，如何选择理财产品需要结合自身的需求。比如，股票具有投资风

险大、收益高的特点，适合心理强大的投资者；互联网金融 P2P 网贷具有收益高、

风险可控、低门槛的特点，适合稳重、头脑精明的投资者。

最后，理财可以防范风险。很多投资者都会因为盲目跟风投资犯下重大错误，

看见他人获利就跟进投资，梦想一夜暴富。然而，很多人因此栽了跟头，损失重

大。所以，理财的正确顺序应该是“先有理财，后有投资”。如此可知，理财是

投资者的“风险防火墙”。投资者需先制订合理的理财计划，再进行投资。比如，

在投资高风险项目时，用低风险项目作为打底，降低投资风险。

理财既是一种生活方式，也是一种社会实践。不管贫穷还是富贵，理财可以

让每一元钱发挥它应有的价值。读者看完本书后，对自身的理财观以及理财方法

也许会有新的感悟。

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