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...)