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「【新手投資指南】每月一點點,小資族也有致富的一天」- How to Start Investing for the First Time


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Hello and welcome to Morningstar's Guide to Investing. In this, the second video in the series, we explain how to get started on your investment journey.
你好,歡迎收看 Morningstar 的投資指南。在這系列的第二部影片中,我們會說明該如何展開你的投資之旅。

Before investing, it is important to identify your goals. The length of your investment horizon will help determine the sorts of investments you should hold in your portfolio. Are you investing to acquire a specific sum in a short amount of time? For, say, a deposit for a house? This means you should hold lower-risk assets and prioritize capital preservation. Fixed-income instruments, such as bonds, should make up a sizable proportion of this sort of portfolio.
投資之前,認清你的目標是很重要的。你的投資期長短將有助於決定投資組合內應該包含的投資種類。你是要投資來在短時間內獲得一定數目的錢嗎?好比說,房屋定金?這就代表你應該掌握風險較低的資產,並將資產保值列為優先事項。固定收益投資工具,像是債券,應該構成此種投資組合的很大一部分。

If you're investing for a much longer-term goal, such as a pension, you could afford to invest in riskier assets, which may fluctuate in value, but over the long term will offer greater rewards, such as equities. You can build up an investment portfolio using a blend of individual equities, bonds, and funds. A fund is an investment vehicle that allows a large number of people to pool their money together in order to invest in a range of different securities, such as stocks, bonds, commodities, or property.
如果你投資是為了更長遠的目標,例如退休金,你就能投資更高風險的資產,它的價值也許會浮動,不過就長遠來看,將帶來更大的回饋,這類投資有像是股權。你可以運用股權、債券和基金的搭配來發展投資組合。基金是種投資工具,讓許多人共同出資,以投入各種證券中,好比說股票、債券、大宗商品或房地產。

The most accessible way to invest is to set up a regular payment plan using an online investment platform. Prioritize paying down high-cost debt, such as credit cards. And after that, calculate how much money you can afford to spare a month. Is it 50 pounds, 100 pounds, perhaps 150 pounds?
最便利的投資方法是利用線上投資平台設立定期定額扣款。優先償還昂貴的債務,例如信用卡。在那之後,計算你每月能剩餘多少錢。是五十英鎊、一百英鎊,還是可能是一百五十英鎊?

A regular payment plan buys a certain number of stocks, bonds, or units within a fund each month. As share prices and unit prices fluctuate, your 50 pounds buys a greater or fewer number of shares or units. This method of investing particularly suits volatile assets as when prices fall, you can buy more units, which then grow in value over time, increasing the value of your portfolio.
定期定額扣款會以每月的基金購入一定數量的股票、債券或單位。隨著股價和單位價格波動,你的五十英鎊會買進較多或較少的股票或單位。這種投資法特別適用於不穩定資產,因為當價格降低時,你可以買進更多單位,接著那的價值會隨時間成長,增加你的投資組合的價值。

It's time to start your investment journey. What are you waiting for?
是時候展開你的投資之旅了。你還在等什麼呢?

  • 「例如、比如」- Such As

    Fixed-income instruments, such as bonds, should make up a sizable proportion of this sort of portfolio.
    固定收益投資工具,像是債券,應該構成此種投資組合的很大一部分。

  • 「構成、組成」- Make Up

    Fixed-income instruments, such as bonds, should make up a sizable proportion of this sort of portfolio.
    固定收益投資工具,像是債券,應該構成此種投資組合的很大一部分。

  • 「逐步建立、增加」- Build Up

    You can build up an investment portfolio using a blend of individual equities, bonds, and funds.
    你可以運用股權、債券和基金的搭配來發展投資組合。

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