雖然自2008年經濟危機以來，經濟和股市已經有所好轉，但我們仍然處在一個瘋狂的金融時代。實際上，至今還有很多人仍未從2008年的金融危機中恢復元氣。而與此同時，美國正在經歷歷史上最低的利率水平，有些國家甚至出現了負利率。

在這樣的經濟形勢下，所有人可能都有一種不確定感。但托尼·羅賓斯卻認為，即便是在這樣動蕩的時期，你的財富依然可以穩(wěn)如泰山。

在《不可動搖：你通往財務自由的藍圖》（Unshakeable: Your Financial Freedom Playbook）一書中，人生與商業(yè)戰(zhàn)略師、百萬富翁托尼·羅賓斯向我們展示了如何通過汲取多位理財大師的智慧，克服內心的恐懼，最終實現財務上的成功。

羅賓斯近日在接受理財網站GOBankingRates采訪時表示：“之所以說這些建議‘不可動搖’，是因為它們是沃倫·巴菲特的建議，是雷伊·達利奧的建議，是卡爾·伊坎的建議，是耶魯大學的大衛(wèi)·史文森的建議。全世界最聰明的理財達人會在這本書里教你怎樣理財?！?/p>

如果你希望不論市場多么動蕩，你都能在夜里睡得很熟，那就不妨翻翻羅賓斯的這本書。只要你按照書里的建議進行理財，財務自由或許離你就不再遙遠了。

做任何事之前都要先學習

羅賓斯認為，要想獲得財務上的成功，并且在動蕩的市場中巋然不動，人們要做的第一件事就是教育自己。“你必須要了解基本面?！?/p>

首先你必須理解的一件事是，股市大體上總是隨著時間而增長的，只是偶爾會有一些小挫折。羅賓斯指出：“去年……股市一度大跌了2.3萬億美元。”但到了年底，各大主要指數依然呈現顯著增長。

這種事情在歷史上不止發(fā)生過一次。

“在上個世紀，甚至在過去的150年里，全球經濟包括美國經濟經歷過多少次極為痛苦和艱難的情形？我們經歷了兩次世界大戰(zhàn)，經歷了大蕭條，經歷了大衰退，經歷了禽流感導致的全球性危機，經歷了英國脫歐。這個世界難免會發(fā)生各種各樣的危機?？v觀百年歷史，市場總體上還是沿著一個方向發(fā)展的，那就是增長。”

在你進行投資和積累財富的時候，你也要意識到，你的投資之路難免會遇到一些挫折。正如羅賓斯在書中指出的那樣，自從1900年以來，股市每年都會出現一次“市場修正”——也就是從最高點下跌10%以上。但每次市場修正平均持續(xù)的時間不會超過2個月，其中只有不到五分之一的時候會演變成熊市，也就是從最高點跌落至少20%以上。

“只要你認識到絕大多數的市場修正并沒有那么糟糕，那么當你看到市場出現動蕩的跡象時，你就更容易保持冷靜，不會因為慌亂而盲目退市?！币簿褪钦f，只要你教育了自己，你就不會在恐懼的基礎上做出反映。

加入投資游戲，且勿輕易退市

光靠工作賺錢是很難實現財富自由的，你必須投資才行。

“不管你能存下多少錢，是5%，10%，15%還是20%，你都要參與到投資的游戲中，要變成權益的所有者，也就是投資人?！?/p>

所以，不要再把錢放在儲蓄賬戶里吃低利息了，把它投資在股市上吧。羅賓斯在他的書中指出：“攢錢進行常年投資的最好的地方就是股市?！?/p>

一旦你開始了投資，就要堅持不懈，哪怕是在股市下滑的時候。羅賓斯在書中寫道：“最大的危險并不是市場修正或熊市，而是退出市場?！?/p>

如果你在股市下跌時抽出了現金，而且沒有在正確的時機重新入市，那么你可能就失去了贏回虧損部分的機會。而且一旦你退市了，在正確的時機重新入市的機會可以說接近于零。

“如果你想把握股市的時機，那你很可能會錯過它。巴菲特曾告訴我：‘托尼，你知道所謂的市場時機捕捉者和市場預測者吧，他們的唯一用處就是讓算命先生顯得靠譜了些?！阅鞘呛芸尚Φ摹！?/p>

自動儲蓄

你可能會覺得，所謂“投資是實現財務自由的關鍵”這種話只適用于羅賓斯這種人，畢竟他已經是個百萬富翁了。普通百姓并非人人都有那么多錢能拿來投資。

然而投資并不是富人的專利，只不過你可能要改變一下對金錢的運用方法?！澳闶紫纫鲆粋€決定，這也是你理財生涯中最重要的決定——你到底是要做金錢的所有者，還是金錢的消費者。”

首先，你可以在發(fā)工資的時候先扣出一筆投資基金，而不是拿到工資后就立即把它花出去。羅賓斯建議道，每次到了發(fā)薪水的時候，你可以首先從工資條或工資卡里扣出一個比例。這個比例一開始可以很小，然后隨著你每次獲得加薪或拿到獎金，再逐步擴大這個比例。

羅賓斯在《不可動搖》一書中寫道：“這樣就能建立起你的‘財務自由基金’——這樣的一筆終身的投資收入，有朝一日能讓你再也不必出去工作?！?/p>

利用復利的力量

即便你只能把收入的一小部分用來投資，借助復利的力量，你也依然能夠積累起自己的財富。當你投資的時候，你的本金之所以會增長，是由于它產生了利息。而復利就是讓利息去賺利息。

你越早開始投資，哪怕只是投資很小的金額，你的財富就會增長得越多?！半S著時間的推移，這種力量會將不大的一筆錢變成一筆巨大的財富?！绷_賓斯寫道。

舉個例子：如果某人從19歲起，每月拿300美元進行投資，每年的收益率是10%，那么到他65歲的時候，他就擁有了350萬美元的資產。但如果他從27歲起才進行投資，每月也是投資300美元，年化收益率也是10%，那么等他65歲時，他的資產只有158萬美元。僅僅是晚了八年開始投資，他的資產就損失了近200萬美元。

用多樣化投資手段保護自己

在做出了投資的決定之后，接下來你就需要決定把錢投在哪里了。羅賓斯認為，你最好將錢投在股市上。不過他也提醒道：“不要把所有的錢都放在股市里?！?/p>

你需要通過合理的資產分配，保障自己在市場下行時不至于傷筋動骨?！斑@樣的話，就算市場下跌了50%，你的資產不至于也下跌50%。”而關鍵就在于投資的多樣化。

通過多樣化投資，你就擁有了一系列投資產品，如股票、債券和其他證券等。在每個資產類別下，你也可以有不同類別的投資產品，比如光是股票類，你就可以買入美國公司的股票、外國公司的股票、大企業(yè)股票和小企業(yè)股票等。

羅賓斯建議道，在這方面，你可以向一名注冊的信托投資顧問尋求幫助，因為他們在法律上有優(yōu)先保障客戶利益的義務。

利用市場回調的機會

讓財富增長的另一種方法，就是在其他人都陷入恐慌時獲利。

“當市場大跌的時候，很多人會以幾乎白給的價格賣房、賣股票。他們一心只想跳出去，而這時恰恰是你一生中最好的機會?！?/p>

為什么呢？因為你可以在低價時買入股票，等股價回彈時就能獲利了。

羅賓斯在書中寫道，過去20年間，市場的10個最佳交易日中，有6個發(fā)生在10個最差交易日的前后兩周內。那些在市場下跌時退市的人，因此也就喪失了賺到更多錢的機會。

羅賓斯在談到股市時指出：“當然，市場總會出現一些重大的修正時刻，而你的工作就是利用好這些機會?！?/p>

對不必要的費用說再見

在投資的過程中，還要確保各種費用沒有蠶食掉你的利潤。羅賓斯在他的書中指出，很多人并沒有意識到費用問題對投資的重要性。

大多數共同基金都是主動管理型基金，也就是說，它們主要靠人來買賣基金資產進行經營。因此這些基金會收取一定的費用，用來支付基金經理的工資以及其他成本。如果你在401K或其他養(yǎng)老金賬戶里投資共同基金，那么你的費用比重可能會達到3%到4%。最糟糕的是，很多主動管理型基金的表現并不優(yōu)于市場整體水平，所以支付高額費用并不能保證你獲得更多利潤。

為了少支付一些費用，你不妨投資一些低成本的指數基金，而非主動管理型基金。這些指數基金在設計上就著眼于追蹤標普500等主要指數。

另外要注意的是，401K等養(yǎng)老計劃的管理者也是要收費的。你可以登陸ShowMeTheFees.com對比一下401K的收費水平。如果你覺得你的養(yǎng)老金計劃收費太高了，記得及時和你的公司進行溝通。

羅賓斯表示：“通常費用的比例也就是1%或者更低，所以你每多付了1%的費用，就意味著放棄了整整10年的收入?！蓖ㄟ^降低費用支出，你就能保住更多的錢，建立起自己的財富。（財富中文網）

作者: Cameron Huddleston

譯者：樸成奎

Although the economy and stock market has improved since the 2008 financial crisis, we're still living in crazy financial times. In fact, many people are still reeling from the 2008 financial crisis. Meanwhile, the U.S. is experiencing historically low interest rates, and some countries even have negative interest rates.

That's enough to make anyone feel uncertain. But Tony Robbins is convinced that you can be unshakeable during volatile times.

In his book "Unshakeable: Your Financial Freedom Playbook," the millionaire life and business strategist aims to show people how they can get over their fears and achieve financial success by taking advice from the smartest financial minds.

"Really, what makes this advice unshakeable is that it's Warren Buffett's advice, it's Ray Dalio's advice, it's Carl Icahn's advice, it's David Swensen at Yale," he said in a recent interview with GOBankingRates. "It's the smartest men and women in the world telling you this is what to do."

If you want to be set financially and be able to sleep at night no matter how volatile things are, take a page out of Robbins' book. Follow this advice from him and other experts — and watch your wealth grow.

EDUCATE YOURSELF BEFORE YOU DO ANYTHING

The first thing people need to do to set themselves up for financial success and become unshakeable is educate themselves, said Robbins. "You've got to understand the fundamentals," he said.

One of the most important things you can understand is that the stock market typically rises over time, despite smaller setbacks. "Last year … we saw a $2.3 trillion meltdown," said Robbins. But, how did the year end up? With noticeable gains in the major indexes.

This wasn't a one-time occurrence, either.

"In the last century — century and a half — how many unbelievably painful, difficult situations have happened to the world economy, to the U.S. economy?" said Robbins. "We've gone through world wars, we've gone through depressions, we've gone through recessions, we've gone through global crises related to bird flu. We've gone through the elements of Brexit. There's always going to be a crisis. Across all of that time there's been overall only one direction of these markets — and that has been up through time."

As your investing and building your wealth, understand there will be bumps along the way. As Robbins points out in "Unshakeable," there's been a market correction — at least a 10 percent drop from its peak — every year since 1900. But, on average, corrections last less than two months. And less than one in five become a bear market, which is a drop of at least 20 percent from the market high.

"Once you understand that the vast majority of corrections aren't that bad, it's easier to keep calm and resist the temptation to hit the eject button at the first sign of turbulence," Robbins writes. When you're educated, you won't react based on fear.

GET IN THE GAME — AND STAY IN

You can't just earn your way to financial freedom. You have to invest.

"Whether it's saving 10 percent or 15 and 20 or 5, you've got to get in the game, and you've got to become an owner — an investor," said Robbins.

So instead of stashing your cash in a savings account that's earning a low interest rate, invest in stocks. "The single best place to compound money over many years is in the stock market," Robbins wrote in his book.

Once you're in the game, stay in it — even when the market drops. "The biggest danger isn't a correction or a bear market," Robbins writes. "It's being out of the market."

If you cash out when the market drops, you could miss out on a chance to earn back your losses if you don't get back in at the right time. And the chances of getting back in at the right time are next to none.

"If you're going to try to time the market, you can forget it," said Robbins. "[Billionaire investor] Warren Buffett told me, 'Tony, you know market timers and market forecasters. Their only purpose is to make fortune tellers look good.' It's absurd."

AUTOMATE YOUR SAVINGS

You might be thinking it's easy for Robbins to say investing is the key to financial freedom. He's a millionaire, after all. Not everyone has much money to invest.

But you don't have to be rich to invest. However, you might need to change how you handle your money. "You have to make the first decision — the most important decision of your financial life — that is to become an owner instead of a consumer," he said.

You can do this by paying yourself first instead of spending your money when you get it. Robbins recommends having a percentage of your income automatically deducted from your paycheck or bank account. You can start small, then increase the amount you're setting aside with every raise or bonus you receive.

"This will build your Freedom Fund — the source of lifetime income that will allow you to never have to work again," Robbins writes in "Unshakeable."

TAP INTO THE POWER OF COMPOUNDING

Even if you can invest only a small amount, you can build wealth thanks to the power of compounding. When you invest, your money grows because it's earning interest. Thanks to compounding, your interest earns interest.

The sooner you start investing — even if it's a small amount — the more your money can grow. "Over time, this force can turn a modest sum of money into a massive fortune," Robbins writes.

Consider this example: Someone who invests $300 a month starting at age 19 and earns 10 percent annually will have $3.5 million at age 65, Robbins writes. But if he waits until age 27 to start investing $300 per month and earns 10 percent annually, he'll have about $1.58 million. That's nearly $2 million less because he waited just eight years to start investing.

DIVERSIFY TO PROTECT YOURSELF

After you make the decision to put your money in the market, you need to decide where to put it. As Robbins said, you should invest in stocks. However, "you don't want everything in the stock market," he said.

You need an asset allocation that will protect your money during downturns. "So if the market goes down 50 percent, you don't go down 50 percent," Robbins said. You do this through diversification.

By diversifying your portfolio, you have a mix of investments, such as stocks, bonds and other securities. And within each asset class, you have different types of investments, such as stocks of U.S. companies, foreign companies, large and small companies.

Robbins recommends getting help from a registered investment advisor who is a fiduciary, someone who is legally obliged to put the client's interests first.

TAKE ADVANTAGE OF MARKET CORRECTIONS

Another way to grow your money is to profit when others are panicking.

"When the market is crashing through the floor, people will give you their house, they'll give you their stocks for next to nothing," said Robbins. "They just want out. Those are the greatest opportunities in your life."

Why? You can buy shares when the prices are lower. And you can profit when the share prices bounce back.

Robbins writes in "Unshakeable" that six of the 10 best days in the market over the past 20 years happened within two weeks of the 10 worst days. Those who got out of the market during those downturns missed out on opportunities to make more money.

"Yes, there's going to be some significant corrections," Robbins said about the stock market. "Your job should be to take advantage of that."

SAY GOODBYE TO UNNECESSARY FEES

If you invest to grow your wealth, make sure hefty fees aren't eating away at that wealth. But as Robbins writes in his book, many people don't realize they're paying fees to invest.

Most mutual funds are actively managed, meaning they're run by people who buy and sell the assets that are in the funds. The funds charge fees to pay the managers and cover other costs. So if you're investing in mutual funds inside a 401k or retirement account that also charges fees, you could be paying 3 percent to 4 percent. To top it off, many actively managed funds don't perform better than the market. So, paying high fees doesn't necessarily mean you're getting better returns, Robbins writes.

To pay less in fees, try investing in low-cost index funds instead of actively managed funds. These funds are designed to track major indexes, such as the S&P 500.

Also, pay attention to fees charged by your 401k or retirement plan administrator. Visit ShowMeTheFees.com to see how the fees on your 401k compare. Then, let your employer know if you think your plan's fees are too high.

"Every 1 percent you pay above what's required — which is roughly 1 percent or less — is 10 years of income you give up," said Robbins. By reducing the fees you'll pay, you'll get to keep more of your money and build your fortune.