富人如何越来越富？花样投资有诀窍

 　　When many of us have a little cash to invest, we might buy a mutual¹ fund or a stock — if we don’t blow it on the latest tech gadget². Not the truly wealthy, however. They often put their money in property, art, businesses and other investments that the rest of us can only dream of owning. How this rarified group uses their cash differentiates³ them from the rest of us — and keeps them in the black.

　　我们中的大多数人有点现金可以做投资时，可能会买个共有基金或者股票——前提是我们不把钱花在最新的科技小物件上。但真正有钱人不会这样。他们会把钱投在房产、艺术领域和生意场，还会做些其他投资，都是些我们梦寐以求的。这一小众群体处理现金的方式和我们有别，也让他们始终有盈余。

　　Take Joshua Coleman, for example. When his family sold their Chicago-based telecom company for $400m in 2004, they didn’t run out and buy something extravagant⁴. Instead, they began seeking advice on ways to save their newfound riches and help them grow.

　　以约书亚·科尔曼为例，2004年他家里以4亿美元把他们总部在芝加哥的电信公司售出时，他们并没把钱花挥霍殆尽掉或是购进奢侈品。相反，他们寻求建议，如何让新得的这笔财富增值。

　　富人如何越来越富？花样投资有诀窍

　　Their quest sparked an idea for Coleman, now 27. In 2011, he launched Momentum⁵ Advanced Planning — a firm that connects people to tax, legal and wealth experts. If the business one day sells, he could see a big return, just like his family’s first business.If you think that starting a business is an odd way to invest your money, then you probably aren’t among the ultra-wealthy.

　　科尔曼现年27，当时他们的探索让科尔曼灵机一动心生一计。2011年，他发起了“动量先行计划”，这是家公司，旨在牵线搭桥税收、法律还有财富方面专家。如果哪天开始盈利，他将获利不菲，正如他的家族的第一个公司那样。你要是觉得靠创业来投资不靠谱，那你估计也不会是超级富有的那类。

　　People who have at least $30m in assets — dubbed⁶ ultra high net-worth — invest in stocks and bonds, but they also grow their money by buying companies and investing in unusual securities, such as airline leasing funds. They also own art and cars that they hope will appreciate in value.

　　拥有三千万资产的人士，即高资产值人士，投资股票和债券，但他们也购入公司，投资冷门证券，如航空租赁基金让钱生钱利滚利。他们也拥有艺术品和轿车，期望来日增值。

　　“It’s called alpha risk,” said Coleman. “It’s this kind of stuff where there can be a lot of upside.”As for the downside, many of these investments are riskier⁷ than traditional investments, so there’s a higher chance of losing a large chunk⁸ of change. As well, they’re far less liquid than stocks and it could take months or years for the wealthy to get their money out of an investment.

　　“这被称之为阿尔法风险，”科尔曼说道，“这种风险会有很多转机”。至于不利的那面，这种投资比传统投资风险大得多，所以丧失机会的概率也更高。同样，这种投资流动性小，不及股票，可能需要几个月甚至几年才能把资金从投资中收回。

　　Even if you don’t have millions to invest, though, you can learn a thing or two about how the rich reap returns and apply it your own portfolios⁹.

　　即使你没有好几百万来投资，但至少你多多少少可以学到富人如何获取收益，然后运用到你自己的投资组合中。

1 mutual   

adj.相互的，彼此的；共同的，共有的

参考例句：

• We must pull together for mutual interest.我们必须为相互的利益而通力合作。
• Mutual interests tied us together.相互的利害关系把我们联系在一起。

2 gadget   

n.小巧的机械，精巧的装置，小玩意儿

参考例句：

• This gadget isn't much good.这小机械没什么用处。
• She has invented a nifty little gadget for undoing stubborn nuts and bolts.她发明了一种灵巧的小工具用来松开紧固的螺母和螺栓。

3 differentiates   

区分，区别，辨别( differentiate的第三人称单数 )； 区别对待； 表明…间的差别，构成…间差别的特征

参考例句：

• This genus of plants differentiates into many species. 这种植物可分为许多种类。
• Our fax machine differentiates between an incoming fax signal and a voice call. 我们的传真机能区分接收传真信号和语音信号。

4 extravagant   

adj.奢侈的；过分的；(言行等)放肆的

参考例句：

• They tried to please him with fulsome compliments and extravagant gifts.他们想用溢美之词和奢华的礼品来取悦他。
• He is extravagant in behaviour.他行为放肆。

5 momentum   

n.动力，冲力，势头；动量

参考例句：

• We exploit the energy and momentum conservation laws in this way.我们就是这样利用能量和动量守恒定律的。
• The law of momentum conservation could supplant Newton's third law.动量守恒定律可以取代牛顿第三定律。

6 dubbed   

v.给…起绰号( dub的过去式和过去分词 )；把…称为；配音；复制

参考例句：

• Mathematics was once dubbed the handmaiden of the sciences. 数学曾一度被视为各门科学的基础。
• Is the movie dubbed or does it have subtitles? 这部电影是配音的还是打字幕的？ 来自《简明英汉词典》

7 riskier   

冒险的，危险的( risky的比较级 )

参考例句：

• Now they are starting to demand higher returns on riskier assets. 而今他们开始在风险更高的资产上要求更高的回报。
• The problem with that: RIM's business is getting riskier every quarter. 不过问题也随之而来：RIM面临的业务风险正逐季增大。

8 chunk   

n.厚片，大块，相当大的部分（数量）

参考例句：

• They had to be careful of floating chunks of ice.他们必须当心大块浮冰。
• The company owns a chunk of farmland near Gatwick Airport.该公司拥有盖特威克机场周边的大片农田。

9 portfolios   

n.投资组合( portfolio的名词复数 )；（保险）业务量；（公司或机构提供的）系列产品；纸夹

参考例句：

• Price risk arises in non-trading portfolios, as well as in trading portfolios. 价格风险中出现的非贸易投资，以及在贸易投资组合。 来自互联网
• How do we fatten our portfolios and stay financially healthy? 我们怎样育肥我们的投资结构和维持财政健康呢？ 来自互联网