NO.1094 冷靜投資｜中英對照
學會擁抱投資與人生的不確定性
STAY CALM
Learn to Embrace Uncertainty in Investing and Life

大衛．布斯 David Booth

★諾貝爾經濟學獎得主Eugene Fama等名人推薦
★亞馬遜網路書店排行榜暢銷書

重點導讀 Main Idea
學會擁抱投資與人生的不確定性
LEARN TO EMBRACE UNCERTAINTY IN INVESTING AND LIFE
面對市場震盪與人生變數，試圖預測未來只會徒增焦慮。成功的投資不靠精準預測，而是制定以實證為基礎的計畫、專注自己能掌控的事、保持彈性並屏蔽外界雜訊。目標不是消除不確定性，而是建立與它共處的從容與底氣。
Facing market swings and life's curveballs, trying to predict the future only breeds anxiety. Successful investing doesn't rely on forecasts—build an evidence-based plan, control what you can, stay flexible, and tune out the noise. The goal isn't to eliminate uncertainty, but to build the confidence to live with it.

Chapter 1 制定完善計畫
BUILD A GOOD PLAN
成功投資不必預測市場，而是制定以實證為基礎的長期計畫。信任市場、廣泛分散投資、管理風險、減少不必要交易並控制成本，接著讓人類的創造力與複利為你效力。完善的計畫能讓你面對市場波動時依然從容自信。
You don't need to predict markets to invest successfully. Build an evidence-based, long-term plan instead. Trust markets, diversify broadly, manage risk, minimize unnecessary trading and control costs. Then let human ingenuity and compounding work for you. A sound plan gives you confidence when markets inevitably become uncertain.

Chapter 2 掌控能掌控的事
CONTROL WHAT YOU CAN
市場、經濟、利率與突發事件皆非你能掌控，但你的準備與行為卻能由自己決定。專注於儲蓄金額、分散投資、成本、稅負、風險，以及市場波動時的應對方式。接受無法掌控的事，把精力投入自己真正能影響的決策。
Markets, economies, interest rates and unexpected events are beyond your control. Your preparation and behavior aren't. Focus on how much you save, diversification, costs, taxes, risk and how you respond when markets move. Accept what you cannot control and direct your energy toward the decisions where you have influence.

Chapter 3 保持彈性
STAY FLEXIBLE
完善的計畫能指引方向，卻不會將你困在單一路徑上。環境會變、新資訊會出現，突發事件也會發生。明確堅守長期目標與核心原則，同時願意靈活調整達成目標的方式。別試圖預測單一未來，要做好準備，明智地適應各種可能的未來。
A good plan provides direction without locking you into one path. Circumstances change, new information emerges and unexpected events happen. Keep your long-term goals and principles clear while remaining willing to adjust how you reach them. Don't try to predict one future. Prepare to adapt intelligently to many possible futures.

Chapter 4 屏蔽雜訊
TUNE OUT THE NOISE
更多資訊未必能帶來更好的決策。新聞標題、預測、市場評論與社群媒體不斷催促投資人採取行動。學會區分有用訊號與干擾雜訊，專注真正重要的事，給計畫時間發揮作用，並謹記金錢存在的終極目的是支持有意義的人生。
More information doesn't necessarily produce better decisions. Headlines, forecasts, market commentary and social media continually pressure investors to act. Learn to separate useful information from distracting noise. Stay focused on what really matters, give your plan time to work, and remember that money ultimately exists to support a meaningful life.

延伸閱讀 Extended Reading
大師 SKILL：駕馭不確定性的財富與人生決策
MASTER SKILLS: NAVIGATING UNCERTAINTY IN WEALTH AND LIFE
面對市場震盪與人生取捨，好決策不靠預測，而是靠正確的思考框架。精選3組大師決策方法，透過 AI 幫你釐清盲點、看清取捨，做出更有根據的決定。
Amid market swings and life trade-offs, good decisions rely on sound frameworks, not forecasts. Use these three master methods with AI to clarify blind spots, weigh trade-offs, and make better-informed decisions.

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