# \u6bcf\u65e5\u597d\u4e66\u63a8\u8350\uff1a\u300a\u539f\u5219\u300b\u2014\u2014 \u8ba9\u4eba\u751f\u548c\u5de5\u4f5c\u50cf\u7cbe\u5bc6\u673a\u5668\u4e00\u6837\u8fd0\u8f6c<\/p>\n
\u5927\u5bb6\u597d\uff01\u4eca\u5929\u7ed9\u5927\u5bb6\u63a8\u8350\u7684\u662f\u6865\u6c34\u57fa\u91d1\u521b\u59cb\u4eba\u745e\u00b7\u8fbe\u5229\u6b27\uff08Ray Dalio\uff09\u7684\u7ecf\u5178\u5de8\u8457\u2014\u2014**\u300a\u539f\u5219\u300b\uff08Principles\uff09**\u3002\u6865\u6c34\u57fa\u91d1\u662f\u5168\u7403\u6700\u6210\u529f\u7684\u5bf9\u51b2\u57fa\u91d1\u4e4b\u4e00\uff0c\u800c\u8fbe\u5229\u6b27\u5c06\u4ed6\u7684\u6210\u529f\u5f52\u7ed3\u4e3a\u4e00\u5957\u53ef\u4ee5\u590d\u5236\u3001\u50cf\u6570\u5b66\u516c\u5f0f\u4e00\u6837\u4e25\u8c28\u7684\u201c\u539f\u5219\u201d\u3002<\/p>\n
\u5982\u679c\u4f60\u89c9\u5f97\u751f\u6d3b\u4e00\u56e2\u7cdf\u3001\u5de5\u4f5c\u6ca1\u6709\u5934\u7eea\uff0c\u6216\u8005\u56e2\u961f\u7ba1\u7406\u8ba9\u4f60\u5fc3\u529b\u4ea4\u7601\uff0c\u8fd9\u672c\u4e66\u7edd\u5bf9\u80fd\u5e2e\u4f60\u7406\u6e05\u601d\u8def\u3002\u5168\u4e66\u5206\u4e3a\u4e09\u4e2a\u90e8\u5206\uff1a\u8fbe\u5229\u6b27\u7684\u4e2a\u4eba\u5386\u7a0b\u3001\u751f\u6d3b\u539f\u5219\u548c\u5de5\u4f5c\u539f\u5219\u3002\u54b1\u4eec\u7528\u5927\u767d\u8bdd\uff0c\u6328\u4e2a\u628a\u91cc\u9762\u7684\u6838\u5fc3\u5e72\u8d27\u5265\u51fa\u6765\uff01<\/p>\n
## \u7b2c\u4e00\u90e8\u5206\uff1a\u6211\u7684\u5386\u7a0b\uff08\u8001\u8fbe\u7684\u201c\u6253\u602a\u5347\u7ea7\u201d\u53f2\uff09<\/p>\n
\u8fd9\u90e8\u5206\u662f\u8fbe\u5229\u6b27\u7684\u4e2a\u4eba\u4f20\u8bb0\u3002\u4f60\u53ef\u80fd\u4f1a\u60f3\uff0c\u5927\u4f6c\u80af\u5b9a\u4e00\u5e06\u98ce\u987a\u5427\uff1f\u5176\u5b9e\u4e0d\u7136\uff0c\u4ed6\u4e5f\u66fe\u7834\u4ea7\u8fc7\uff0c\u751a\u81f3\u60e8\u5230\u8981\u627e\u8001\u7238\u501f4000\u7f8e\u5143\u6765\u5ea6\u65e5\u3002
\n\u4f46\u4ed6\u6700\u5389\u5bb3\u7684\u5730\u65b9\u5728\u4e8e\uff1a**\u4ed6\u4e0d\u628a\u5931\u8d25\u5f53\u6210\u5012\u9709\uff0c\u800c\u662f\u5f53\u6210\u201c\u5b66\u4e60\u673a\u4f1a\u201d**\u3002\u6bcf\u6b21\u6454\u8ddf\u5934\uff0c\u4ed6\u90fd\u4f1a\u505c\u4e0b\u6765\u53cd\u601d\uff1a\u201c\u6211\u4e3a\u5565\u6454\u5012\u4e86\uff1f\u4e0b\u6b21\u600e\u4e48\u624d\u80fd\u4e0d\u6454\uff1f\u201d\u7136\u540e\u628a\u8fd9\u4e2a\u7ecf\u9a8c\u5199\u4e0b\u6765\uff0c\u8fd9\u4e5f\u5c31\u662f\u672c\u4e66\u4e2d\u201c\u539f\u5219\u201d\u7684\u96cf\u5f62\u3002<\/p>\n
**\u6838\u5fc3\u89c2\u70b9\uff1a** \u75db\u82e6 + \u53cd\u601d = \u8fdb\u6b65\u3002\u5931\u8d25\u4e0d\u53ef\u6015\uff0c\u4e0d\u957f\u8bb0\u6027\u624d\u53ef\u6015\u3002<\/p>\n
## \u7b2c\u4e8c\u90e8\u5206\uff1a\u751f\u6d3b\u539f\u5219\uff08\u600e\u4e48\u8ba9\u81ea\u5df1\u6d3b\u5f97\u66f4\u901a\u900f\uff1f\uff09<\/p>\n
\u8fd9\u662f\u5168\u4e66\u7684\u7075\u9b42\u6240\u5728\uff0c\u6559\u4f60\u5982\u4f55\u7528\u6781\u5176\u7406\u6027\u7684\u6001\u5ea6\u9762\u5bf9\u771f\u5b9e\u7684\u4e16\u754c\u3002<\/p>\n
**1. \u62e5\u62b1\u73b0\u5b9e\uff0c\u5e94\u5bf9\u73b0\u5b9e**
\n– **\u5927\u767d\u8bdd\uff1a** \u522b\u81ea\u6b3a\u6b3a\u4eba\u3002\u4e16\u754c\u662f\u600e\u4e48\u8fd0\u8f6c\u7684\uff0c\u5b83\u5c31\u662f\u600e\u4e48\u8fd0\u8f6c\u7684\uff0c\u522b\u6574\u5929\u62b1\u6028\u201c\u8fd9\u4e0d\u516c\u5e73\u201d\u3001\u201c\u51ed\u4ec0\u4e48\u201d\u3002\u4f60\u5f97\u8ba4\u6e05\u73b0\u5b9e\u7684\u6b8b\u9177\uff0c\u54ea\u6015\u8fd9\u4e2a\u73b0\u5b9e\u5f88\u96be\u770b\u3002\u8981\u505a\u5230\u201c\u6781\u5ea6\u6c42\u771f\u201d\u548c\u201c\u6781\u5ea6\u900f\u660e\u201d\u2014\u2014\u4e0d\u8981\u6015\u4e22\u8138\uff0c\u4e0d\u8981\u6015\u542c\u5230\u522b\u4eba\u6279\u8bc4\u4f60\u3002\u77e5\u9053\u81ea\u5df1\u7684\u7f3a\u70b9\u5e76\u4e0d\u53ef\u803b\uff0c\u5047\u88c5\u81ea\u5df1\u6ca1\u7f3a\u70b9\u624d\u6700\u8981\u547d\u3002<\/p>\n
**2. \u7528\u201c\u4e94\u6b65\u6d41\u7a0b\u201d\u5b9e\u73b0\u4f60\u7684\u4eba\u751f\u613f\u671b**
\n\u8001\u8fbe\u7ed9\u4f60\u603b\u7ed3\u4e86\u4e00\u4e2a\u5957\u516c\u5f0f\u5c31\u80fd\u6210\u529f\u7684\u201c\u4e94\u6b65\u6cd5\u201d\uff1a
\n– **\u7b2c\u4e00\u6b65\uff1a\u8bbe\u5b9a\u76ee\u6807\u3002** \u4f60\u5230\u5e95\u60f3\u8981\u5565\uff1f\uff08\u6ce8\u610f\uff0c\u76ee\u6807\u548c\u6b32\u671b\u662f\u4e24\u7801\u4e8b\uff0c\u522b\u8d2a\u5fc3\u4ec0\u4e48\u90fd\u60f3\u8981\uff09\u3002
\n– **\u7b2c\u4e8c\u6b65\uff1a\u53d1\u73b0\u95ee\u9898\u3002** \u8ffd\u6c42\u76ee\u6807\u7684\u8def\u4e0a\u80af\u5b9a\u6709\u7eca\u811a\u77f3\uff0c\u522b\u9003\u907f\uff0c\u5fc5\u987b\u76f4\u9762\u5b83\u4eec\u3002
\n– **\u7b2c\u4e09\u6b65\uff1a\u8bca\u65ad\u95ee\u9898\u3002** \u627e\u627e\u6839\u672c\u539f\u56e0\u3002\u662f\u56e0\u4e3a\u4f60\u80fd\u529b\u4e0d\u884c\uff1f\u8fd8\u662f\u65b9\u6cd5\u4e0d\u5bf9\uff1f
\n– **\u7b2c\u56db\u6b65\uff1a\u8bbe\u8ba1\u65b9\u6848\u3002** \u9488\u5bf9\u627e\u5230\u7684\u6839\u672c\u539f\u56e0\uff0c\u60f3\u51fa\u4e00\u4e2a\u5207\u5b9e\u53ef\u884c\u7684\u89e3\u51b3\u529e\u6cd5\u3002
\n– **\u7b2c\u4e94\u6b65\uff1a\u575a\u51b3\u6267\u884c\u3002** \u60f3\u5f97\u518d\u597d\u4e0d\u5982\u5e72\u5f97\u597d\uff0c\u6309\u8ba1\u5212\u6b7b\u78d5\u5230\u5e95\u3002<\/p>\n
**3. \u505a\u5230\u5934\u8111\u6781\u5ea6\u5f00\u653e**
\n– **\u5927\u767d\u8bdd\uff1a** \u627f\u8ba4\u81ea\u5df1\u662f\u4e2a\u201c\u50bb\u5b50\u201d\u3002\u6211\u4eec\u6bcf\u4e2a\u4eba\u7684\u89c6\u89d2\u90fd\u6709\u76f2\u533a\uff0c\u4f60\u4e0d\u53ef\u80fd\u4ec0\u4e48\u90fd\u61c2\u3002\u6240\u4ee5\u8981\u591a\u542c\u542c\u90a3\u4e9b\u806a\u660e\u4eba\u7684\u610f\u89c1\uff0c\u7279\u522b\u662f\u90a3\u4e9b\u8ddf\u4f60\u610f\u89c1\u4e0d\u4e00\u6837\u7684\u4eba\u3002\u522b\u603b\u60f3\u7740\u201c\u8d62\u201d\u8fd9\u573a\u8fa9\u8bba\uff0c\u8981\u60f3\u529e\u6cd5\u627e\u5230\u201c\u771f\u76f8\u201d\u3002<\/p>\n
**4. \u7406\u89e3\u4eba\u4e0e\u4eba\u5927\u4e0d\u76f8\u540c**
\n– **\u5927\u767d\u8bdd\uff1a** \u4eba\u7684\u8111\u5b50\u5929\u751f\u5c31\u4e0d\u4e00\u6837\u3002\u6709\u7684\u4eba\u770b\u5927\u5c40\uff0c\u6709\u7684\u4eba\u62a0\u7ec6\u8282\u3002\u522b\u5f3a\u6c42\u522b\u4eba\u8ddf\u4f60\u4e00\u6837\uff0c\u800c\u662f\u8981\u77e5\u9053\u600e\u4e48\u628a\u5408\u9002\u7684\u4eba\u653e\u5728\u5408\u9002\u7684\u4f4d\u7f6e\u4e0a\u3002<\/p>\n
**5. \u5b66\u4e60\u5982\u4f55\u6709\u6548\u51b3\u7b56**
\n– **\u5927\u767d\u8bdd\uff1a** \u522b\u62cd\u8111\u888b\u505a\u51b3\u5b9a\u3002\u505a\u51b3\u5b9a\u8981\u8bb2\u903b\u8f91\u3001\u8bb2\u8bc1\u636e\u3002\u53ef\u4ee5\u7528\u201c\u9884\u671f\u4ef7\u503c\u201d\u6765\u7b97\u7b97\u6982\u7387\uff08\u505a\u8fd9\u4e8b\u7684\u597d\u5904 \u00d7 \u6210\u529f\u7684\u6982\u7387 – \u505a\u8fd9\u4e8b\u7684\u574f\u5904 \u00d7 \u5931\u8d25\u7684\u6982\u7387\uff09\u3002\u628a\u590d\u6742\u7684\u51b3\u7b56\u53d8\u6210\u7b97\u6cd5\uff0c\u8ba9\u7cfb\u7edf\u5e2e\u4f60\u9009\u3002<\/p>\n
## \u7b2c\u4e09\u90e8\u5206\uff1a\u5de5\u4f5c\u539f\u5219\uff08\u600e\u4e48\u6253\u9020\u4e00\u4e2a\u6218\u65e0\u4e0d\u80dc\u7684\u56e2\u961f\uff1f\uff09<\/p>\n
\u8fd9\u90e8\u5206\u6559\u4f60\u600e\u4e48\u628a\u751f\u6d3b\u539f\u5219\u7528\u5230\u516c\u53f8\u7ba1\u7406\u4e0a\uff0c\u6865\u6c34\u57fa\u91d1\u5c31\u662f\u9760\u8fd9\u5957\u529e\u6cd5\u8d5a\u5927\u94b1\u7684\u3002<\/p>\n
**1. \u6253\u9020\u826f\u597d\u7684\u6587\u5316**
\n– **\u5927\u767d\u8bdd\uff1a** \u56e2\u961f\u91cc\u6709\u4ec0\u4e48\u4e8b\u90fd\u6446\u5728\u660e\u9762\u4e0a\u8bf4\u3002\u5927\u5bb6\u53ef\u4ee5\u516c\u5f00\u4e92\u76f8\u6279\u8bc4\uff0c\u54ea\u6015\u662f\u666e\u901a\u5458\u5de5\u4e5f\u53ef\u4ee5\u5f53\u9762\u6307\u51fa\u8001\u677f\u7684\u9519\u8bef\uff08\u8fbe\u5229\u6b27\u7ba1\u8fd9\u53eb\u201c\u521b\u610f\u62e9\u4f18\u201d\uff09\u3002
\n– **\u6781\u5ea6\u6c42\u771f\u548c\u6781\u5ea6\u900f\u660e\uff1a** \u522b\u8ba9\u611f\u60c5\u7ed1\u67b6\u5de5\u4f5c\u3002\u5de5\u4f5c\u5c31\u662f\u5de5\u4f5c\uff0c\u4e0d\u80fd\u56e0\u4e3a\u8ddf\u8c01\u5173\u7cfb\u597d\u5c31\u5305\u5e87\u8c01\uff0c\u5bf9\u4e8b\u4e0d\u5bf9\u4eba\u3002<\/p>\n
**2. \u7528\u5bf9\u4eba\uff08\u4eba\u6bd4\u4ec0\u4e48\u90fd\u91cd\u8981\uff09**
\n– **\u5927\u767d\u8bdd\uff1a** \u9009\u4eba\u6bd4\u9009\u9879\u76ee\u91cd\u8981\u3002\u4eba\u9009\u9519\u4e86\uff0c\u518d\u597d\u7684\u4e3b\u610f\u4e5f\u5f97\u9ec4\u3002\u8981\u627e\u90a3\u4e9b\u4ef7\u503c\u89c2\u8ddf\u4f60\u4e00\u6837\u3001\u80fd\u529b\u5f3a\u3001\u800c\u4e14\u6562\u4e8e\u6307\u51fa\u4f60\u9519\u8bef\u7684\u4eba\u3002
\n– **\u7ed9\u6bcf\u4e2a\u4eba\u6253\u6807\u7b7e\uff1a** \u6865\u6c34\u57fa\u91d1\u6709\u4e00\u5957\u7cfb\u7edf\uff0c\u8bb0\u5f55\u6bcf\u4e2a\u4eba\u7684\u6027\u683c\u548c\u80fd\u529b\u5361\u7247\uff08\u68d2\u7403\u5361\uff09\u3002\u8fd9\u6837\u5728\u5206\u914d\u4efb\u52a1\u7684\u65f6\u5019\uff0c\u5c31\u80fd\u50cf\u73a9\u6e38\u620f\u770b\u5c5e\u6027\u9762\u677f\u4e00\u6837\uff0c\u628a\u4efb\u52a1\u5206\u7ed9\u6700\u5408\u9002\u7684\u4eba\u3002<\/p>\n
**3. \u5efa\u9020\u5e76\u8fdb\u5316\u4f60\u7684\u201c\u673a\u5668\u201d**
\n– **\u5927\u767d\u8bdd\uff1a** \u628a\u4f60\u7684\u516c\u53f8\u6216\u8005\u56e2\u961f\u5f53\u6210\u4e00\u53f0\u673a\u5668\u3002\u4f60\u662f\u8fd9\u53f0\u673a\u5668\u7684\u8bbe\u8ba1\u5e08\u3002
\n– \u5982\u679c\u51fa\u4e86\u95ee\u9898\uff0c\u4e0d\u8981\u53ea\u662f\u53bb\u89e3\u51b3\u8868\u9762\u95ee\u9898\uff0c\u8981\u8df3\u51fa\u6765\u770b\u770b\uff1a**\u201c\u662f\u673a\u5668\u7684\u54ea\u4e2a\u96f6\u4ef6\u574f\u4e86\uff1f\u201d** \u7136\u540e\u53bb\u4fee\u90a3\u4e2a\u96f6\u4ef6\uff08\u6d41\u7a0b\u6216\u8005\u89c4\u5219\uff09\u3002
\n– \u53d1\u73b0\u95ee\u9898\u4e0d\u89e3\u51b3\uff0c\u662f\u7edd\u5bf9\u4e0d\u80fd\u5bb9\u5fcd\u7684\u3002\u5fc5\u987b\u5efa\u7acb\u201c\u53d1\u73b0\u95ee\u9898-\u89e3\u51b3\u95ee\u9898\u201d\u7684\u95ed\u73af\u673a\u5236\u3002<\/p>\n
## \u603b\u7ed3<\/p>\n
\u300a\u539f\u5219\u300b\u8fd9\u672c\u4e66\uff0c\u8bf4\u767d\u4e86\u5c31\u662f\u6559\u6211\u4eec\u4e00\u4ef6\u4e8b\uff1a**\u628a\u4eba\u751f\u548c\u5de5\u4f5c\u5f53\u6210\u4e00\u573a\u6e38\u620f\uff0c\u9047\u5230\u602a\u7269\uff08\u56f0\u96be\uff09\uff0c\u603b\u7ed3\u7ecf\u9a8c\uff08\u53cd\u601d\uff09\uff0c\u5199\u4e0b\u653b\u7565\uff08\u539f\u5219\uff09\uff0c\u7136\u540e\u7ee7\u7eed\u6253\u602a\u5347\u7ea7\u3002** \u6781\u5ea6\u73b0\u5b9e\u3001\u6781\u5ea6\u6c42\u771f\u3001\u4fdd\u6301\u5f00\u653e\uff0c\u4f60\u5c31\u80fd\u4e0d\u65ad\u8fdb\u5316\uff0c\u62ff\u5230\u4f60\u60f3\u8981\u7684\u7ed3\u679c\u3002<\/p>\n
\u5e0c\u671b\u4eca\u5929\u7684\u63a8\u8350\u80fd\u7ed9\u4f60\u5e26\u6765\u542f\u53d1\uff0c\u6211\u4eec\u660e\u5929\u89c1\uff01<\/p>\n","protected":false},"excerpt":{"rendered":"
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