先锋集团创始人2.2万亿美元的财富传奇

    对于普通投资者而言，杰克一直强调（而且仍然坚持）的那些基本原则——即在投资方面要分散市场风险，别把投资盈利浪费在费用上——确实是获得成功的基石。《财富》杂志今年的《投资指南》（Investor's Guide）中有许多复杂深奥的投资建议。而所有这些建议——杰出投资经理推荐的精选股票、富有经验的专业人士提供的市场见解，有关在IRA个人退休账户中购买房地产的技巧——都可以帮助大家提高自己的投资收益。但是，这并不意味着我们应该忽视那些令先锋集团获得卓越成功的那些常识性的基本方法。

    当我帮杰克叫出租车去纽约市宾州车站（他不要林肯汽车，也不要其他豪华轿车），好方便他坐火车回费城时，我意识到，归根结底，他之所以能获得如此卓越的成功，是因为他坚持独立思考。杰克一直按照自己的意愿行事，自己作出决定。考虑如何投资时，这是值得记住的重要一点。我们中很少有人具有像杰克那样的能力。我们需要得到帮助和建议。但是，您应该常常问自己，比如说，对苹果（Apple）股票、或者某一个特定的债券基金，我自己实际上是如何考虑的？对我而言，把自己的钱投资在这些股票或基金上是否明智？您或许无法创造出堪与杰克相媲美的财富，但尽量像他那样去思考肯定会有助于您获得成功。

    译者：iDo98

    The fundamental principles that Jack has always emphasized, and still does -- getting diversified market exposure, not giving your profits away in fees -- are the building blocks of success for the average investor. There is a lot of sophisticated advice in this year's Investor's Guide. And all of it -- stock picks from elite managers, market insight from seasoned pros, tips on buying real estate in your IRA -- can help give you a boost. But that doesn't mean we should ever lose sight of the basic, commonsense approach that works for Vanguard.

    As I help Jack hail a cab to take him to Penn Station (no Town Cars or limos for him) to catch his train back to Philadelphia, I realize that when you boil it down, his success is a result of the power of independent thinking. Jack has consistently gone his own way and made up his own mind. It's an important point to remember when considering how to invest. Very few of us have the same ability as Jack. We need help and advice. But you should always ask yourself, What do I really think about, say, Apple's stock (AAPL) or a particular bond fund? Does investing my money there make sense to me? You may not build quite what Jack has, but thinking a bit more like him is sure to help you succeed.