Investimento Tudo o que Precisa de Saber

Adams 101

by Michele Cagan

A crash course in managing personal wealth!

Too often, textbooks turn the noteworthy details of investing into tedious discourse that would put even Warren Buffett to sleep. "Investing 101" cuts out the boring explanations, and instead provides a hands-on lesson that keeps you engaged as you learn how to build a portfolio and expand your savings. From value investing to short selling to risk tolerance, this primer is packed with hundreds of entertaining tidbits and concepts that you won't be able to get anywhere else.

So whether you're looking to master the major principles of investing, or just want to learn more about stocks and bonds, "Investing 101" has all the answers--even the ones you didn't know you were looking for.

Genres: Finance, Nonfiction, Business, Economics, Personal Finance, Money, Self Help

253 pages, Hardcover

First published January 1, 2016

Reviews

[Orhun · Rating 4 out of 5]

Exactly what its title suggests, gives you the basics of investing with explaining pretty much every tool it is available.
But be aware that it also a really 101 book, will be suggesting opinions that are a bit on the conservative side. Although those are probably the best places for an average investor to be, might not be as good if you are a bit more seasoned investor with some experience under your belt, especially on bear markets.

Also a very important note: This book loses its accuracy if you will not be investing through American financial markets. There is a lot of information on laws and systems that may not exist in your country. So would not really suggest to a new investor as what makes an instrument meaningful in the USA, through their tax advantages, may be quite contrary in your country.

[Kangwa Chanda · Rating 3 out of 5]

Really good to give you the absolute basics of investing. This would be most beneficial to anyone without any accounting or finance knowledge to get them started in investing without overwhelming them with more advanced concepts.

If you do have an accounting or finance background this probably isn't for you.

[alper · Rating 4 out of 5]

Kitabı sevdim. Bütün yatırım araçlarını tek tek tanıtıyor. Çok kafamın basmadığı “açığa satış” konusunu bile anlaşılır hale getiriyor. Sonrasında da bu yatırım araçlarından kendi profilimize uygun bir portföyü nasıl oluşturabileceğimize geliyor sıra. Profile uygun şekilde yapılan bir çeşitlendirme / sepet hazırlanması. Çeşitlendirme riski dağıtmak açısından önemli. Üstatların konu hakkındaki görüşleriyle de tamamlanıyor. Warren Buffett'ın değer yatırımcılığını çok beğendim. Kitapta özellikle vurgulamak istediğim bir bölüm olduğu için buraları kısa kesiyorum. :)

“Harika bir şirketi uygun bir fiyattan almak uygun bir şirketi harika bir fiyattan almaktan çok daha iyidir. —Warren Buffett (132)

Peki şimdi yatırıma hazır mıyız? Enflasyonu yenebilecek miyim? (bknz Eko 101)

Yolculuk uzun. Uzun olmasına da vakit de nakit. :) Harekete geçmek önemli. Kitabın bence en önemli bölümü de bunu işaret ediyor: ZAMANIN GÜCÜ. Bu başlık BİLEŞİK GETİRİ’nin zaman ile birleştiğinde nasıl sonuçlar verebildiğini çok çarpıcı bir şekilde ortaya koyuyor. Onun için bileşik getiriden faydalanabileceğimiz yatırım araçlarına yönelmeyi mantıklı buluyorum.(Yanlış anlaşılmasın bu parayı faize koyalım demek değil. Para piyasaları enflasyonu yenebilecek araçlar değil. ) Konu dağılsın istemediğimden, kitaptaki çok beğendiğim örnek ile herhangi bir yatırım tavsiyesinde bulunmadan sözlerimi noktalıyorum.

İkisi de yirmi beş yaşında olan Madison ve Cooper'ın öykülerine bir göz atalım.

Madison, şirketinin 401(k) planına, her yıl 2.000'er dolar olmak üzere on Yıl yatırım yapar. Daha sonra otuz beş yaşında ödemeyi durdurur, planına bir peni dahi eklemez. Madison yatırımları üzerinden ortalama yıllık yüzde on büyüme oranı bekleyebilir. Erken başladığı ve emeklilikte almadan önce artması için parasına zaman tanıdığından, altmış beş yaşında 556.197 dolar parası olur.

Otuz dört yaşında başlayan Cooper otuz yıl boyunca her yıl 401(k) planına 2.000 dolar yatırır. Cooper sonuçta Madison'un üç katı fazla para ayırır. Fakat onun emeklilik parası (yıllar içinde aynı oranda kazanır) sadece 328.988 dolar olur. Bu miktar Madison'ınkinden çok daha azdır; fark 225.000 dolardan fazladır.

Hem Madison hem de Cooper bileşik faizin gücünden yararlandı, Madison daha erken başladı, dolayısıyla daha yüksek kazanç elde etti. Öyküden çıkarılacak ders şudur: Emeklilikte bu on binlerce ve hatta yüz binlerce dolarlar olmadan yaşamınızı sürdürebilecekseniz, öyleyse ayak sürümeye devam edin. Bir kenara ayırdığınız para üzerindeki bileşik etkiyi hesaplamanın en kolay yolu bir çevrimiçi hesaplayıcıdan yararlanmaktır (şu internet sitesindekini deneyin: www.bankrate.com/calculators.aspX). (185)

401(k) Planı dediği çalışılan şirket tarafından yatırılan BES gibi bir şey, para da faizde durmuyor bileşik faiz dediğine takılmamalı, Aynı senaryoyu BES ile işletebilirsiniz,

Aşağı yukarı yirmi yıldır en önemli emeklilik yatırım araçlarından biri 401(k) planıdır. İşvereniniz tarafından oluşturulan 401(k) emekliliğiniz için para biriktirmenize (ve artırmanıza) yardımcı olacak şekilde tasarlanır, 401(k)'nıza aktardığınız para bir havuzda toplanır ve hisse senedi, tahvil, yatırım fonu veya diğer yatırım türlerine yatırım yapılır. Yatırım türünü şirketinizin seçenekler listesinden seçersiniz..(185)

Not: Konu ile ilgili faydalı bir yayın. Tam paylaştığım andaki temettü muhabbeti bence güzel bir örnek bu zamanın gücü + bileşik getiri açısından. https://youtu.be/fE_Ww0c3UPY?t=845

[Sebastien · Rating 4 out of 5]

Interesting way to dip your feet into investment and sorta/kinda understand how stock markets work.

It's a primer, meaning it's made for idiots; however, it wasn't made for TOTAL idiots like me. I know this because no matter how many times Michele Cagan tries to explain the differences between the different kinds of bonds and bond ETFs, I feel like a little kid feigning understanding the teacher's complicated math problem by nodding slowly and pathetically.

And forget about options, puts, calls, and futures.

If you've already been immersed into the investment world, you will probably understand some of the explanations given in the book. Cagan (which, fun fact, means "they poop" in Spanish) makes a decent effort at explaining concepts in a simple way. I probably just need it more dumbed down than he figured.

Great book. Got a lot out of it, and I'm probably going to come back to it when I actually understand options.

[Kin · Rating 3 out of 5]

Good intro, but based mostly on US market and experience.

[Tiago Veríssimo · Rating 5 out of 5]

Nice introduction, every fundamental concept of the area was explained clearly.

[Haktan · Rating 4 out of 5]

Giriş niteliğinde yatırım bilgileri gerçekten uygun bir kitap. Tahvil, fon, hisse senedi, gayrimenkul gibi yatırım enstrümanlarini basit ve etkili biçimde tek tek açıklamış. Nadiren kitaptaki bilgilerin Türkiye için geçerli olmadığı durumlar var. Yine de başlangıç seviyesi için faydalı bir kitap.

[Rhiannon Root · Rating 4 out of 5]

I’m going to be super brief in my review here for Michelle Cagan’s excellent “Investing 101.” This is a fantastic and short book about the basics of investing. I learned a lot and once things are less scary, I do plan on using the tips here to start making some bigger financial moves.

Cagan does an excellent job of breaking down the subject matter in a positive and constructive way. I never felt like I was being talked down to. The sections are neatly organized and make sense.

My criticisms are pretty minor considering how detailed and thorough this book is. One, wish there had been a little bit more of “hey, look out for X,Y and Z things because they indicate a Ponzi scheme/bad stuff.” A little more emphasis on how to protect yourself from bad actors would have been a great addition. Similarly, there’s a section on socially responsible investing, but the advice is mostly limited to environmental practices. While Cagan mentions a few tips on how to make sure the companies in question are good actors, it’s again, pretty limited.

All of the investors mentioned in the pros section are older white men. It would have been a better and stronger part of the book if it had been more diverse.

Overall, this is a fantastic little reference book and I found most of the advice given to be gently reassuring and entirely doable. If you’re like me and you’re feeling panicky about the economy, the beginning section on economics will be oddly comforting. Yes, stuff is scary, but it won’t be forever. Stay safe, friends.

[McKenzie · Rating 4 out of 5]

Investing 101: From Stocks and Bonds to ETFs and IPOs, an Essential Primer on Building a Profitable Portfolio is mainly a book of definitions. If you desperately need to know some of the key terminology about investing then this is a great book to start with. It’s not idiot proof because it does take some focus to carry over the definition of one thing into the very next definition, but it was definitely not the most difficult text to understand.

There was a time or two when the author wrote as though investing lingo is something everyone should just know without needing to read this book which kind of defeats the purpose of writing a 101 book, but it didn’t happen all that often. A decent introduction to the words but...

for the full review please visit https://www.literarydragonreviews.web...

[Alex Andrasik · Rating 5 out of 5]

Dithered between 3 stars and 5 stars. This isn't the kind of book I usually read, so it was hard to apply my usual rating system, in which 3 stars is "I neither actively liked nor disliked it" and 5 is "spectacular." I decided that wasn't really fair, though, since this book did what it was supposed to do, I would say, rather spectacularly. That doesn't mean I ENJOYED reading it. But there it is. If you know nothing about investing and want to learn, this is a great book for it. It's quick, readable, and seems full of actionable information (not that I've acted upon any of it yet).

[Haley Stocks · Rating 4 out of 5]

A simple and straightforward book about the basics of investing that included strategies, definitions, and an attempt to put the puzzle pieces together about everything that goes into investing. I found it very informative, but I did think there could have been better chapter organization. There were also a lot of pullouts that broke up paragraphs in a way that was more distracting than helpful but would overall recommend!

[Emre · Rating 2 out of 5]

Gives the fundemental information for investing, just as the title suggests. The main problem is it's totally US oriented. There was little info for me to apply in my country. That might be the intention of the author, but it should've been implied because it has been translated to many languages as well.

[Rev · Rating 4 out of 5]

My major complaint about the Personal Finance book in this series was answered with this one. Investment is kind of intimidating to me because I don't know how it works, but this book explained it in a relatively easy to understand way. I still have questions, obviously, and need to do further research, but this book gave me a much better starting point for those questions than I had before I read it.

[Michael DeVito · Rating 3 out of 5]

Pretty solid book, the title is exactly what you get. Super helpful for understanding important topics and terms within the stock market and investing field. The read itself was similar to a textbook which was to be expected; however, I was hoping for a little more advice or direction for someone who is fairly new to the market. But overall solid for gaining familiarity with terms and different kinds of investments.

[Serhat · Rating 3 out of 5]

Yatırım konusuna giriş amacıyla okunabilecek verimli bir 101 kitabı.

[Chris Luoma · Rating 2 out of 5]

Very basic

[Nattatida · Rating 4 out of 5]

อธิบายภาพรวมของการลงทุนต่าง อย่างเป็นกลาง ทั้งเป้าหมายของการลงทุนประเภทนั้นๆ จุดเด่น-ด้อยของการลงทุนประเภทต่างๆ อธิบายค่อนข้างละเอียดถึงวิธีการเข้าถึงการลงทุน

[Felipe Llaguno · Rating 4 out of 5]

Well-explained and easy-to-follow information, if you want to review or are new to investing, although it talks mostly about bonds and mutual funds.

[Serhat · Rating 3 out of 5]

çevirisi oldukça kötü genel olarak da ortalama olan bir eser.

[Dale Myers · Rating 4 out of 5]

Great Foundation for Investing Fundamentals

It was an easy read. Introduced and explained investment concepts well. After reading it, I felt more informed, but had a burning desire and need to know more. I felt like a great work in progress as it relates to my understanding of investing. Definitely more to learn.

[Evan · Rating 3 out of 5]

A decent introduction to these topics, but not a decent introduction to actually building a portfolio. If you read this book and started trading, you'd lose all your money. For better introductions to today's financial world, I'd recommend Simple Wealth, Inevitable Wealth by Nick Murray, or The Little Book of Common Sense Investing by Vanguard founder Jack Bogle. (Other folks will offer up plenty of info, and they're probably right!) If you see terms in Murray's or Bogle's books that you aren't familiar with, give them a Google.

Cagan's book offers some decent definitions of terms, but explaining options trading AND real estate investing in a "101" book is a bit of a tough ask. I'd recommend skimming the first few chapters and then digging in if you're getting something from it.

[Sergio · Rating 3 out of 5]

Not bad as an extremely basic overview, but the book jumps from topic to topic without too much depth yet sometimes the writing seems obtuse and not very accessible. I did appreciate the chapter on green investment which I feel is an important aspect to consider when building an investing philosophy.

[Thomas Beachel · Rating 3 out of 5]

I rated this book 3 stars due to the introductory knowledge you get from this book. I didn't learn anything from the book, but someone completely new to the investing world would learn a great deal of basic concepts in a nonspecific fashion. If you already know these basic concepts of investing, you will likely want to skip this book.

[Tolga Arslan · Rating 3 out of 5]

101 isminin hakkını veren bir kitap. Yatırım araçları ile ilgili bilgileri bulabilirsiniz. Kötü yanlarından bir tanesi kitabın Birleşik Devletler baz alınarak yazılmış ve oradaki düzenlemelerden bahsedilmiş olması, bunlar ülke sistemine yabancı okurları yer yer sıkabiliyor.

[Ricky Micky · Rating 5 out of 5]

Excellent book for beginners. Well explained, it provides a very thoughtful introduction in the world of finance. Of course, you have to dive into the subject more and more, but for an 101 it is perfect and it gives you all the necessary words to start understanding the basics of investing

[Ryan Cox · Rating 4 out of 5]

Helpful for what I needed it to be. It taught the basics of investing. I wanted to know more about how dividends and compound interest works as well as the difference between stocks/mutual funds/bonds/etc.

[Celal · Rating 3 out of 5]

Amerikan koşullarına göre yazıldığı için kıta Avrupası na uzak olan başlıklar içeriyor. Ancal genel itibariyle faydalı bir eser. Gayrimenkul kısmı oldukça kısa ve yüzeysel.

[YEK · Rating 2 out of 5]

Yatırım ile ilgili temel şeyleri anlatıyor ancak Amerika için yazılmış bir kitap.
Kitap Türkçe'ye çevrilmiş ama Türkiye'ye uyarlanmamış.

[Zé · Rating 4 out of 5]

Great book, which is ideal for those who live in the United States

[fawnie · Rating 3 out of 5]

3.5

good basic introduction into the world of investment. found it easy to read, not a lot of fluff, solid book.