p*r
7 楼
不要老想着回报. Value investment should focus on safety rather than return.
多想想损失吧,照你自己的算法,你已经亏了上亿了,还没想通这么简单的道理?
"我的个人消费极少, 几乎不买衣服。 前不久, 我去纽约参加了一个婚礼, 我只穿
了一件我平时经常穿了两用衫。 我妈看见了才提醒我:“10年前来美国你就穿这件衣
服,现在还在穿?!” 是啊, 我有很多衣服都穿了10年了。你能告诉我买一辆BMW要
花多少钱吗? 你会说4-5万。 但是我要告诉你, 买一辆BMW的机会成本至少是3亿美元
!假如,我拿原本买BMW的4万去做投资, 像巴菲特那样做到25%的年汇报, 40年后按
25%的复利计算, 这将是一笔3亿美元的投资。 如果买一辆BMW会花掉你未来3亿美元的
财富, 你还会有兴趣吗?"
【在 l******2 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 呵呵,我怎么会不知道“分散投资降低风险”的简单道理。
: 一只股票当然风险大,但是回报会更大!
l*2
11 楼
with low interest rate, profit is reduced by 50% or more for all insur.
companies. HIG's 4.5% is really for core earning, and that is above ALL (1.2
%) but below TRV(6.8%). I say this is above industry average.
If you want higher profit, go with MET(12%) and LNC(9%), because they do
more wealth management business than P&C+life business.
10% core earning margin is really, really perfect for P&C business , even
TRV is not able to get this high.
【在 s*****r 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: still holding it? time to rake in the 100 big G....
companies. HIG's 4.5% is really for core earning, and that is above ALL (1.2
%) but below TRV(6.8%). I say this is above industry average.
If you want higher profit, go with MET(12%) and LNC(9%), because they do
more wealth management business than P&C+life business.
10% core earning margin is really, really perfect for P&C business , even
TRV is not able to get this high.
【在 s*****r 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: still holding it? time to rake in the 100 big G....
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