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【跟著大師學投資】亞洲股神傳奇李兆基

今天是香港富豪榜排名第二的李兆基(人稱「四叔」)生日,四叔同時是恆基兆業(12)和中華煤氣(3)的主席。四叔因為投資神準,而被譽為「亞洲股神」、「香港巴菲特」,也曾經在90年代連續三年成為華人首富。可喜的是,四叔以往在接受香港媒體訪問時,均會大方透露自己的投資觀念。
不過,在08金融海嘯時因「睇錯市」而坐艇之後,四叔已比較少公開評論股市。然而,如果從長線的角度看,四叔的投資心法則仍然是正確的,而且亦仍然深受股民的愛戴。
08年時,李兆基本來要過三關:「第一關是以一博二、第二關是二博四,第三關是四博八。」在九十年初買日本債券資金翻一翻,資金再投資來港上市的國企,當年中國人壽等股價大升,他被譽為「亞洲股神」。到第三關,遇上2008年的一場金融海嘯,恒生指數由接近32000點,暴跌至11000點,令本來以一變八,幾何式的投資回報計畫,打回原形。他遺憾過不到三關,自此他拒絕被稱為「股神」。
四叔曾經在自傳中提及:「在有生之年,當恒生指數在3萬點時,他會每年捐贈10億元;在4萬點時,每年捐贈20億元。這個善良的意願應該不難達到。」2017年11月,恒指突破三萬點(雖然後來又跌穿了),四叔也兌現承諾「找數」,向包括港大在內的機構捐錢找數。
當年,李兆基曾提出三招選股大法:「首先係揀國家,我最睇好中國,經濟增長最好,其次係日本。第二,揀行業,首選四大行業,保險、銀行、能源,同埋地產。最後就係要揀龍頭股,好像中國人壽、平安保險、中石油,隻隻都係龍頭股。」 道理簡單,但很少人能真的實踐。
還有值得一提的是,關於青年人致富之道,「四叔」勉勵大家要注意4點:
1. 「刻苦耐勞,勤奮勉力」
俗語所謂:「吃得苦中苦,方為人上人」。
2. 「經濟未定,不宜早婚」
太早結婚便有家庭負擔,要養兒育女,又要供書教學,便很難有餘錢。
3. 「要有第一桶金,以錢賺錢」
例如由二十歲起,以一萬元本金計算,每月有2%利潤,每年息疊息計,五十年後,就會變成四億六千八百萬元,所以先有「本」最重要。
4. 「男最怕入錯行,女最怕嫁錯郎」
俗語有云:「捕魚之人世世窮」,選錯行業就難以翻身。例如順應時勢,投身好的行業如金融業等,近年便造就不少大富翁,所以選對行業亦是致富之道。傳統女性以丈夫為重,如果選擇一個不務正業、遊手好鎔的丈夫,就會抱憾終生。
文:Nowwwhat Editorial