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曾垚，宾西法尼亚大学沃顿商学院助理教授，长期从事发达国家金融市场研究。我请他谈一谈与个人理财有关的基础知识。本期内容适合在北美生活、对个人理财感到迷惘的朋友。概要：一、什以是理财？理财的目标是什么？二、为什么要考虑投资？钱存在银行里不是很简单、安全吗？三、如何参与股市和债券投资？什么是指数基金？四、什么时候入场好呢？现在是合适的时机吗？五、为什么普通人不宜购买个股？附：之前写的小贴士：《理财小贴士——写给入职美国高校的青椒》
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