中国人习惯在过年时进行大扫除,除旧迎新,投资理财也应如此。笔者观察,现阶段最该“除”的旧观念,也许就是“时间复利”这一概念。经常听到一些专家这么说:通过时间复利效果投资股票或基金(或任何其它工具),只要年复利报酬率有15%,将比银行定存的绩效好不知道几倍。但他又通常不会告诉人们,现阶段有哪一种投资工具可以每年有这样高的投报率?当然,这里所说的每年,并不是指单一年度,是说30年之中,每年投报率都要有这样的数字。笔者认为投资者如果继续死抱通过 Chinese are accustomed to conducting a clean-up in the New Year. In addition to the old welcome, investment and financial management should also be the case. The author observes that at this stage most of the old notions of “except” may be the concept of “compounding of time”. It is often heard that some experts say that investing in stocks or funds (or any other instrument) through the compounding of the compound of time can be several times better than the performance of the bank as long as 15% of the annual compound rate of return is paid. However, he usually does not tell people which kind of investment vehicles can have such a high rate of return each year at present. Of course, each year referred to here does not mean a single year, that is, 30 years each year. Rate must have such a figure. I believe that investors continue to die if adopted