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cover of episode Wall Street Pro Reveals Why He Ditched Trading for Index Funds

Wall Street Pro Reveals Why He Ditched Trading for Index Funds

2025/6/27
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BiggerPockets Money Podcast
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Victor Haghani
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Victor Haghani: 我在华尔街的经历让我深刻认识到，即使是经验丰富的金融专业人士，也可能在个人投资方面犯错。最初，我像许多人一样，追求高回报的投资方式，如私募股权和对冲基金。然而，我逐渐意识到这些投资方式在税务上效率低下，且需要承担更高的风险。我开始反思，作为个人投资者，我真正需要的是什么？我发现，简单、低成本的指数基金才是更明智的选择。我开始将我的投资组合转向指数基金，并制定了一套基于预期回报和风险的资产配置策略。我意识到，资产配置是一个积极的决策过程，需要根据市场情况和个人风险承受能力进行调整。我不再盲目追求高回报，而是更加注重长期稳健的增长。我的目标是实现财务独立，并为我的家庭创造一个安全、稳定的未来。我希望我的经历能够帮助更多人认识到指数基金的价值，并找到适合自己的投资方式。 Victor Haghani: 我认为，资产配置是一个动态的过程，需要根据市场情况和个人风险承受能力进行调整。我建议投资者关注盈利收益率与国债通胀保值债券（TIPS）收益率之间的差值，并根据这个差值来调整股票和固定收益资产的配置比例。如果股票的预期回报远高于TIPS，可以增加股票的配置比例；反之，则应减少股票的配置比例。此外，我也强调支出和投资策略必须保持一致。如果投资于股票，支出也应随着股市的波动而调整。我建议投资者建立一个清晰的投资框架，并严格遵守这个框架，避免受到短期市场波动的影响。最重要的是，要保持冷静、理性，并始终以长期目标为导向。

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In this episode of the BiggerPockets Money podcast, Mindy and Scott speak with Victor Haghani, a seasoned financial expert whose journey from Wall Street titan to FIRE advocate will transform how you think about wealth building.

Victor's path from Salomon Brothers and Long-Term Capital Management to founding Elm Wealth reveals the shocking truth: the complex strategies that made millions on Wall Street pale in comparison to simple index fund investing for achieving financial independence.

What We Discuss:

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Why Victor's billion-dollar trading experience led him to index funds

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The age-based asset allocation strategy that adapts as you approach FI

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The psychological traps that derail FIRE journeys (even for Wall Street pros)

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Practical portfolio management for the path to financial independence

And SO much more!

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