永无止境 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。

很多人手头有现金时，如果不将其全部挥霍在最新的高技术产品上，就会买共同基金或者股票。但是真正的富人不这么做，他们经常投资一些普通人梦寐以求的不动产、艺术品、商业或者其他投资项目。这个团体使用现金的方式让其在众人中脱颖而出，也让他们一直保持富有状态。

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。

以约书亚·科尔曼为例。2004年其家人以4亿美元的价格将总部位于芝加哥的电信公司售出，但是他们并没有将这笔钱挥霍殆尽或者购买其他奢侈品。相反的是，他们开始寻求建议，以找到节约这笔新财富并使其增值的方式。

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。

探索激发了建立科尔曼公司的想法。2011年，科尔曼成立了动力现金计划公司，为人们提供税收、法律以及健康专家的信息。如果有一天商业运转起来，就会和之前的企业一样，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。

如果你认为创业并不是投资方式，那么你很可能就不属于超级富豪这个群体。拥有3千万美元资产的人不仅投资各类股票和债券，还会收购公司并投资一些不寻常的债券，如航空租赁基金，使自己的资产增值。此外，他们还拥有一些艺术品和汽车，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。”

“这叫做‘阿尔法风险’，”科尔曼说道，“这能为你带来很多好处。”

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。

其缺点在于，与传统投资方式相比，此类投资的风险更大，因此更可能失去改变的机会。此类投资不如股票的流动性强，通常要过数月或者数年才能从投资中收回。

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。

尽管你没有数百万元进行投资，但是你也能从富人收获回报的方式中学习一两点，并将其应用于自己的投资中。