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所在平台: Udemy |
课程主页: https://www.udemy.com/course/long-term-investing-strategies/
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课程名称：长期投资策略以最大化回报 概述： 随着大学债务、不断上涨的租金、信用卡债务以及自2008年经济衰退以来对股市交易的畏惧，许多发达国家的公民减少了为退休储蓄和投资的力度。尤其是美国人，常常延迟投资，认为现在开始为时已晚，同时对安全投资缺乏足够了解。数据显示，超过三分之一的美国人没有为退休储蓄的能力，而11%的人则认为投资风险太大，还有7%的人不信任顾问和经纪人（Shekhtman，2016）。 PNC金融服务的研究确认，信用卡和学费债务对退休准备造成阻碍。许多人不熟悉如雇主提供的退休账户和投资银行可用账户等常见退休工具，也缺乏对利用熟悉品牌进行长期股票投资的具体知识。因此，亟需解决这一问题，以确保更多人能够为退休未来做好准备，从而减少依赖兼职工作、被迫在退休后工作的退休人员数量。美国和欧盟的社会保障和养老金福利面临不确定性，政府运营的养老金系统费用正在超过全球总收入，这一现象预计在2020年后将在美国出现（SSA报告，2016）。此外，私人养老金计划也并非免疫，公司的兴衰可能导致储蓄的损失，例如安然事件中，计划中一部分投资涉及安然股票（Appleby，2016）。 即便社会保障制度得以存续，其目的也仅是提供基本的老年生活标准。如果在老年期间出现意外的医疗费用或灾难，退休人员需要对这些变化保持灵活应对能力（Elmerraji，2017）。通过本课程，学员将理解雇主基础的退休工具，并能够从基本面和技术分析的角度分析个别股票/公司。对于有兴趣进行日间交易的人来说，此课程可作为前置课程。在没有了解将要交易的公司的基本情况之前，开始日间交易将是危险的。 免责声明：本课程的建议基于大量研究，但我并非通识知识的权威。这些建议仅供您自由选择，而不是为特定市场策略提供可靠的财务建议。我们的目标是为您的决策提供足够的信息，而不是替您做决定。课程中列出的策略可以在互联网中找到，来源于自助经纪公司、白皮书和投资银行。课程对由实施上述想法导致的任何损失不承担责任。
Retirement Planning with the Best of them College debt, rising rental rates, credit card debt, and an aversion to trading on the stock market since the 2008 recession, have caused citizens in developed countries to decrease their savings and investing for retirement. Americans in particular delay investing, thinking it is too early to start, and are ill-informed of how to safely invest. Over a 3rd of Americans have no money for retirement. For many, the reason is that they cannot afford to invest; additionally, 11% think it is too risky, and 7% do not trust advisers and brokers (Shekhtman, 2016). PNC Financial Services confirmed in a study that the previously mentioned credit card and tuition debt create a setback to preparing for retirement. The problem is related to unfamiliarity with common retirement tools like freely offered, employer-sponsored retirement accounts and accounts available at investment banks; and lack of knowledge specific to investing in stocks using the brands we love and support for the long term. A solution is necessary because any increase in the number of people preparing for their retirement future will decrease the number of retirees that depend on part-time jobs, and are forced to work after reaching retirement age. Social Security (SS) and pension benefits have an uncertain future in America and within the European Union (E.U.) with government-run pension systems seeing costs exceeding total income worldwide. In the U.S., the phenomenon is projected to occur by 2020 (SSA Report, 2016). Additionally, private pension plans are not immune - corporations can rise and fall, taking everyone's savings with them - in Enron's case a significant portion of the plan's investments were in Enron stock (Appleby 2016). Even if the SS program survived, it's objective is only to provide a basic minimum standard of living in old age. If there are any unforeseen medical costs, a common occurrence in old age, or unexpected disasters, retirees should be flexible to those changes (Elmerraji, 2017). Finally, let this be the start of your journey. After this course, you should understand employer-based retirement tools as well as being able to analyze individual stocks/companies from a fundamental and technical analysis point of view. For those interested in Day Trading, this course can be a prerequisite. It will be dangerous to start Day trading, without knowing the underlying details of the companies you'll trade.References:Appleby, D. (2016). Business Owners: Avoid Enron-Esque Retirement Plans. [online] Investopedia.Elmerraji, J. (2017). Retirement Planning: Why Plan For Retirement?. [online] Investopedia.Shekhtman, L. (2016). Why so few millennials invest in the stock market. [online] Business Insider.Disclaimer: The advice in this course is based on substantial research, but I am not the oracle of knowledge in this. It is only to advise your free choice, but not to form the basis of sound financial advice for any specific market strategy. The idea is to give you enough information for your own decisions, but not to make decisions for you. The strategies listed are available on the internet from a variety of resources, such as self-directed brokerage companies, white papers, and investment banks. This course is not responsible for any losses as a result of implementing said ideas.
