查理.芒格谈六大伪资产核心 1.超出能力的豪宅:虚荣心驱动购房变终身负债 2.豪华汽车:买下车即折旧20%,年损15%-20%,应控制在年收入10%内 3、复杂金融产品:高费率主动基金30年损耗超半数收益 4.非生产性资产:黄金比特币无现金流,本质是博傻游戏(这点不认同) 5.频繁交易:打断复利、支付费用、情绪化决策 6.信用债务:高息信用卡是财富吸血鬼
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