Passive vs Active Investing: Which Makes Your Money Work Harder?
被动投资 vs 主动投资:哪种更能让钱生钱?
地点
大田路129弄1-1号嘉发大厦A栋
Shanghai
关于主持人
Darema
▼Darema 是一位来自吉尔吉斯斯坦和俄罗斯的财务顾问。她本科读的是旅游管理,硕士毕业于华东政法大学的行政管理专业。她还拿下了英国特许证券与投资协会(CISI)的财务规划与证券专业资格。Darema 真心喜欢帮别人搞懂钱这件事。她经常办讲座和线上研讨会,把复杂的金融话题讲得实用、好懂、跟日常生活能连上。除了金融,她也是个很上头的语言学习者,会说俄语、英语、中文、西班牙语,还会一点点意大利语。要是没在聊投资或者财务规划,那你大概率能在 trivia 问答夜找到她,或者在跳探戈,再或者跟朋友一起玩桌游。在爆米花俱乐部,她会带来她在金融领域的专业知识,并且保证——聊钱这件事,能比她听起来的样子有趣得多。
描述
▼Could doing less with your investments actually...
Could doing less with your investments actually help you earn more? And if millions of people follow the same strategy, could that success create risks of its own? Join Darema, a financial advisor for expats and proud money nerd, for a discussion about passive versus active investing, and what the difference really means for your money. We’ll explore index funds and ETFs, which can let you invest in a basket of companies rather than choose individual stocks, and ask why so many actively managed funds struggle to outperform their benchmarks. Does paying for professional stock selection buy you better results? Is regularly buying the same investment truly “passive”? And how is either approach different from frequent trading?
Together, we’ll compare costs, effort, potential returns and risks, exploring what each approach asks of you as an investor. Then we’ll tackle Darema’s bigger question: could the growing popularity of passive investing make markets more vulnerable? If more money follows the same indexes, what happens to the companies included, those left out and investors when markets fall? We’ll discuss whether concerns about concentration and bubbles expose a weakness or underestimate the strengths of a simple strategy. No financial knowledge is necessary: Darema will explain the terminology and welcome your questions, helping you think more clearly about what you own, what you’re paying for and how to make your money work harder over time.
在投资上少做点事,反而可能帮你赚更多?如果几百万人都在用同一个策略,这种成功会不会自己也制造出一些风险?跟着 Darema 来聊一场讨论吧。她是给外籍人士做理财的顾问,也是个骄傲的钱迷。这次聊被动投资和主动投资,以及这个区别对你的钱到底意味着什么。我们会看看指数基金和 ETF,这类东西让你能投资一篮子公司的组合,而不是自己去挑个股,也会问为什么那么多主动管理的基金就是跑不赢自己的基准。花钱请人专业选股,真的能买到更好的结果吗?定期买同一个投资,真的算“被动”吗?这两种方式又跟频繁交易差在哪?
我们会一起比较成本、投入的精力、可能的回报和风险,看看每种方式对作为投资者的你提出了什么要求。然后我们会聊 Darema 那个更大的问题:被动投资越来越火,会不会让市场变得更脆弱?如果更多钱都跟着同样的指数走,那些被纳入的公司、被排除在外的公司,还有市场下跌时的投资者,会怎么样?我们会讨论,对集中度和泡沫的担心,到底是暴露了一个弱点,还是低估了一个简单策略的优势。不需要任何金融知识:Darema 会把术语解释清楚,也欢迎你的问题,帮你更清楚地想明白你手里有什么、你在为什么付钱,以及怎么让你的钱在时间里更卖力。