永無止境 富人如何保持富有

When many of us have a little cash to invest, we might buy a mutual fund or a stock — if we don’t blow it on the latest tech gadget. 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 group uses their cash differentiates them from the rest of us — and keeps them in the black。

很多人手頭有現金時，如果不將其全部揮霍在最新的高技術產品上，就會買共同基金或者股票。但是真正的富人不這麼做，他們經常投資一些普通人夢寐以求的不動產、藝術品、商業或者其他投資項目。這個團體使用現金的方式讓其在衆人中脫穎而出，也讓他們一直保持富有狀態。

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 extravagant. Instead, they began seeking advice on ways to save their newfound riches and help them grow。

以約書亞·科爾曼爲例。2004年其家人以4億美元的價格將總部位於芝加哥的電信公司售出，但是他們並沒有將這筆錢揮霍殆盡或者購買其他奢侈品。相反的是，他們開始尋求建議，以找到節約這筆新財富並使其增值的方式。

Their quest sparked an idea for Coleman. In 2011, he launched Momentum 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 first business。

探索激發了建立科爾曼公司的想法。2011年，科爾曼成立了動力現金計劃公司，爲人們提供稅收、法律以及健康專家的信息。如果有一天商業運轉起來，就會和之前的企業一樣，有很大的收益。

If you think that starting a business is an odd way to invest your money, then you probably aren’t among the ultra-wealthy. People who have at least $30m in assets 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。

如果你認爲創業並不是投資方式，那麼你很可能就不屬於超級富豪這個羣體。擁有3千萬美元資產的人不僅投資各類股票和債券，還會收購公司並投資一些不尋常的債券，如航空租賃基金，使自己的資產增值。此外，他們還擁有一些藝術品和汽車，期待其增值。

“It’s called alpha risk,” said Coleman. “It’s this kind of stuff where there can be a lot of upside。”

“這叫做‘阿爾法風險’，”科爾曼說道，“這能爲你帶來很多好處。”

As for the downside, many of these investments are riskier than traditional investments, so there’s a higher chance of losing a large chunk of change. As well, they’re far less liquid than stocks and it could talk months or years for the wealthy to get their money out of an investment。

其缺點在於，與傳統投資方式相比，此類投資的風險更大，因此更可能失去改變的機會。此類投資不如股票的流動性強，通常要過數月或者數年才能從投資中收回。

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 portfolios。

儘管你沒有數百萬元進行投資，但是你也能從富人收穫回報的方式中學習一兩點，並將其應用於自己的投資中。