Ionis Pharmaceuticals, Inc. ( IONS ) just released very positive trial data from phase-3 studies in their pipeline drugs, and the share price responded very positively, rising 80% or so since the news broke. This is phenomenal, but itI have been investing in the stock market since I was 17 years old, and over the 25+ years since I have learned the joy of compounding, the value of dividend reinvesting, and the principle that patient investing through good times and bad brings the greatest rewards. I believe ...

North Carolinian Sushant Thakray went from $30,000 in student debt to retiring with a $3 million portfolio in a little over a decade, and he described how he did it on the "Marriage, Kids and Money" YouTube channel. He says that his portfolio consists of $2 million in stocks and $1 million in real estate. He is married with two children, and they are debt-free on their home. The $2 million stock portfolio has $500,000 allocated into retirement accounts and $1.5 million allocated into taxable brokerage acc ...

I have a B.Tech degree in Mechanical Engineering from a top school in India. For nearly twenty five years, I have worked in the oil and gas sector, primarily in the Middle East. I work at the intersection of engineering, operations, and project management in an industry that does not forgive mistakes - so I have learned to be efficient, careful, and disciplined. These traits inform my investment strategy. For much of my professional career, I have maintained a serious and sustained interest in the U.S. equi ...

公司概况 - 公司为领先的生物技术公司 专注于应对严重疾病 [1] - 公司总部位于马萨诸塞州波士顿 [1] - 公司已上市多款变革性疗法 适应症包括囊性纤维化、镰状细胞病、输血依赖性β地中海贫血以及慢性/急性疼痛 [1]

文章核心观点 - 在市场波动和对人工智能泡沫的担忧中 股息股票正获得关注 作为投资组合多元化的工具[1] - 哈特福德基金的研究表明 支付股息的公司历史上在市场下跌期间表现优于不支付股息的股票[1] 股息投资策略与案例 - 一位Reddit用户分享其股息投资案例 其价值约100万美元的投资组合每年产生约11.8万美元股息收入[3] - 该投资者主要投资于业务发展公司 主有限合伙制企业 房地产投资信托基金和封闭式基金[3] - 该案例强调了复利的效应 其投资回报已超过其业务收入[3] 投资组合中的具体持仓 - Alternative Access First Priority CLO Bond ETF是持仓之一 投资于AAA级证券 股息收益率约为5%[4] - Energy Transfer LP是一家中游能源公司 股息收益率约为7.8% 该股今年迄今下跌15% 此前Scotiabank给予其"行业跑赢大盘"评级 目标价23美元[5] - Putnam BDC Income ETF为投资者提供业务发展公司敞口 收益率约为9%[6] - Eagle Point Income投资于抵押贷款义务的次级债务部分 股息收益率约为8% 且按月支付股息[6]

公司业绩与投资哲学 - 伯克希尔哈撒韦公司在沃伦·巴菲特的领导下，实现了5,502,284%的惊人总回报 [1] - 公司长期复合年增长率达到19.9%，约为标普500指数长期表现的两倍 [2] - 投资策略核心是买入高质量公司并长期持有，专注于具有持久竞争优势、稳定盈利增长和可靠管理层的企业 [4] 投资组合构成与行业偏好 - 投资组合高度集中于消费品、金融服务和能源等被认为在所有经济周期中都不可或缺的行业 [5] - 前几大持仓包括苹果、美国运通、美国银行、可口可乐、雪佛龙和西方石油，这些公司共同特点是现金流可预测、品牌强大且实行股东友好的资本配置计划 [5] - 公司倾向于避开未经证实的科技初创企业、周期性行业以及缺乏定价权的商品化业务 [6] 对个人投资者的建议 - 建议投资者抵制从众心理的诱惑，避免成为“博傻理论”的受害者，应寻找具有长期盈利记录、可靠股息以及将股东视为合作伙伴的管理团队的企业 [7] - 承认对多数投资者而言，购买指数基金比挑选个股更有利，因为标普500指数反映了美国经济的增长，其成分股公司能持续再投资利润、增加股息并推动长期财富创造 [10]

投资策略误区 - 追逐社交媒体热炒的个股难以获得即时成功，因为即便是专业基金经理也难以持续跑赢市场 [1] - 阻碍提前退休的一个主要错误是过分关注寻找热门股票，而非采用更全面的投资方法 [1] - 提前退休的成功并非依靠市场中的“全垒打”，而是通过每月稳定的“上垒”来实现，即依赖广泛市场指数基金以获得多元化和可靠的增长 [6] 消费习惯与退休规划 - 当前每多花费一美元，就意味着退休日期被推迟一天，生活方式成本直接影响提前退休所需的资金目标 [2] - 年生活开支是计算财务独立、提前退休数字的关键，该数字约为年支出的25倍，例如年支出5万美元需125万美元，年支出8万美元则需200万美元 [2][14] - 生活方式膨胀是提前退休的头号敌人，关键在于避免将收入消耗于非必需品 [3] 系统性规划方法 - 实现提前退休需要主动规划，包括了解储蓄率、FIRE数字以及投资的复利效应，而不能靠运气 [7][8] - 有效的策略应侧重于获取“免费资金”、自动化增长以及最大化税收优惠，而非昙花一现的方法 [9] - 规划框架包括利用雇主匹配的401(k)、自动化增加供款、最大化使用税收优惠账户以及为早于59.5岁退休准备应税经纪账户 [10][11][12][13] 关键财务概念 - 财务独立数字的计算基准是年生活开支乘以25，例如年支出6万美元需要150万美元投资 [14][15] - 复利是财富积累的核心引擎，时间是最宝贵的资产，例如从25岁开始每月投资1500美元，按8%年回报，到45岁可增长至约82.5万美元 [16] - 应税经纪账户为早于59.5岁提取资金提供了灵活性，避免了退休账户的提前支取罚金 [13]

资本市场活动现状 - 市场非常活跃且表现优异 信用市场正处于一个良好的周期 [1][2] - 公司业务渠道全面处于创纪录水平 公司盈利也全面创下纪录 [2] - 年初由于税收政策 关税等不确定性因素导致业务渠道启动缓慢 但目前这些不确定性已基本消除 [3][4] 市场周期与前景展望 - 当前资本市场周期处于早期阶段 良好环境预计将持续到2026年 除非出现地缘政治等意外事件 [5] - 市场存在大量资金寻找投资机会 系统内流动性充裕 [6] - 对于美联储政策需要保持谨慎 认为需要进行有节制的利率调整 但不支持大幅降息四到五次的观点 [6] 行业趋势与信号观察 - 黄金价格在股市上涨的同时仍录得显著涨幅 这可能反映出对法定货币信心的信号 [8][9] - 年轻投资者与老一代投资者存在明显的代际差异 年轻投资者更看重通过其日常使用的社交应用进行互动 而非单纯的投资表现 [11][12] - 需要教育年轻投资者理解复利与消费的区别 投资是复利 而赌博是消费 当前存在将预测市场与投资混为一谈的趋势 [13]

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In a time of rapid economic shifts and uncertainty, it can feel like building wealth is impossible, but achieving self-made millionaire status in the U.S. isn’t out of reach or unattainable. In fact, according to a UBS Global Wealth Management study there are over 24 million millionaires in the United States. While the exact number of people that are self-made is harder to pinpoint, one thing is clear: many followed the same smart habits such as living minimally, a strong work ethic, setting financial goal ...