2015年就要來到，股神巴菲特要給你的理財建議是：1. 把資產放在指數基金
「我的忠告是，10%的資產放在短期的政府債券；剩下90%放在低手續費的S&P500指數基金。長期下來你就能打敗大多數人的績效。」2. 避開比特幣
「基本上，這就是個海市蜃樓。我也希望比特幣可以發展得更好，但它現在就像是種支票而已。一張支票能變成比他票面上更值錢的東西？」
3. 學習閱讀財務報表
「學習所有你能找到的會計課程(Accounting)。會計是所有商業的語言，年復一年的練習，你就會越來越熟練。早點開始，未來將給你很大的回報。」4. 聚焦在儲蓄，別只求快速致富
「多數人犯的最大錯誤是，他們沒有早點培養儲蓄的習慣。因為儲蓄不過就是一種習慣 -- 你應該盡早開始儲蓄，然後慢慢地致富。快速致富可不是件容易的事。」
5. 當股價下跌時，勇敢買進
「我不猜測股市將怎麼走。最重要的是找到那些值得買進的投資標的，然後長期持有。」6. 別假裝自己是專家
「別投資你不懂的東西。想獲得合理的報酬，你不需要真的是很多領域的專家。重要的是你要認清自己真正懂的界線範圍，不要「撈過界」。當有人提供你立刻賺錢的建議時，立刻對他說不」。原文連結：
gobankingrates
6 Things Warren Buffett Says You Should Do With Your Money In 2015
Warren Buffett’s Best Advice for 2015
1. Put Your Estate in Index Funds
“My advice to the trustee could not be more simple: Put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund. (I suggest Vanguard’s.) I believe the trust’s long-term results from this policy will be superior to those attained by most investors — whether pension funds, institutions or individuals — who employ high-fee managers.”
2. Stay Away From Bitcoin
“Stay away from it. It’s a mirage, basically. … It’s a method of transmitting money. It’s a very effective way of transmitting money and you can do it anonymously and all that. A check is a way of transmitting money, too. Are checks worth a whole lot of money just because they can transmit money? Are money orders? You can transmit money by money orders. People do it. I hope Bitcoin becomes a better way of doing it, but you can replicate it a bunch of different ways and it will be. The idea that it has some huge intrinsic value is just a joke in my view.”
3. Learn How to Read Financial Statements
“Take all the accounting courses that you can find. Accounting is the language of business. … It’ll make it so much easier for years and years to come for reading financial statements, to get comfortable with it, because it is a language all of its own. Getting comfortable in a foreign language takes a little experience, a little study early on, but it pays off big later on.”
4. Focus on Saving, Not Getting Rich Quick
“Well, I think the biggest mistake is not learning the habits of saving properly early. Because saving is a habit. And then, trying to get rich quick. It’s pretty easy to get well-to-do slowly. But it’s not easy to get rich quick.”
5. When Stock Prices Drop, Buy — Don’t Sell
“I like buying it as it goes down, and the more it goes down, the more I like to buy. … If you told me that the market was going to go down 500 points next week, I would have bought those same businesses and stocks yesterday. I don’t know how to tell what the market’s going to do. I do know how to pick out reasonable businesses to own over a long period of time.”
6. Stop Pretending to Be an Expert
“You don’t need to be an expert in order to achieve satisfactory investment returns. But if you aren’t, you must recognize your limitations and follow a course certain to work reasonably well. Keep things simple and don’t swing for the fences. When promised quick profits, respond with a quick ‘no.'”
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