hwz的帖子太长了，我还没爬完基本上那本书里的内容，在hwz都能找到。只是合并在一起容易阅读。书末总结的quick guide如下
Step 1: Start an emergency fund. Save enough to cover six months’ expenses. Keep this money in
a bank account where you can get to it immediately.
Step 2: Insure yourself. Get a hospital plan, and if you have people dependent on you, get term life
insurance for 20 years, with enough payout to cover five years of your income.
Step 3: Take the money and split it into two piles. Figure "110 minus your age" is the percentage
that will go into stocks, for capital growth and dividends; the rest goes into bonds, for income and
stability.
Step 4: Take the "stocks" pile and split it in half. Invest one half into an exchange-traded fund that
tracks Singaporean stocks; invest the other half into an exchange-traded fund that tracks global
stocks.（新加坡的ETF随便选G3B或者ES3都可以，区别不大;国外的ETF推荐LSE的IWDA）
Step 5: Take the "bonds" pile and invest it into an exchange-traded fund that tracks Singapor (more...)
其实除了定投美股指数ETF，其他的都是扯蛋。
这种手册看看就好。信他就像信神，信则有，不信则无。
在投资中看似关联性不强的产品，甚至反向关联性产品其实有很多关联性很强。只是很多人不懂而已。
比如很多反向关联性ETF，看上去是很好的反向指标，但当这种ETF出现流量问题时，操作就有变形风险。
更不用说很多操作是被交易商，做市商垄断的，比如当年汇率由几大行做市垄断，包括各种黑池操作。
在投资中看似关联性不强的产品，甚至反向关联性产品其实有很多关联性很强。只是很多人不懂而已。
比如很多反向关联性ETF，看上去是很好的反向指标，但当这种ETF出现流量问题时，操作就有变形风险。
更不用说很多操作是被交易商，做市商垄断的，比如当年汇率由几大行做市垄断，包括各种黑池操作。
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