極簡生活投資法

價值投資者最喜歡學巴菲特買簡單易懂的生意，所以生活週邊看得到的，像麥當勞、星巴克、可口可樂…就很受歡迎。

最近想想，美股有Sector ETF，就像台灣每個類股指數把他弄一支ETF，裡面就有民生類股啊..Consumer staples。

知名的Vanguard、ishares、SPDR都有發，代號分別是VDC、IYK、XLP，持股的內容與比重有些不同，IYK波動比較大一點點。

就這樣整包買起來，啥寶鹼、高露潔、可口可樂、Walmart都有了，有的連續配息幾十年的，

ETF績效還不輸大盤，波動性又比較低….再搭個債券，就真的四平八穩了，哇靠…是有沒有那麽簡單?

學投資學得那麼累，學巴菲特什麼的，學人家找簡單易懂的生活週邊股，看財報選了半天，績效還不一定比得過人家直接把產業裡最大的買起來，分散個幾十支就基本不敗。

如果你真的去把自己投資組合還原權值，去算CAGR(年複利報酬率)，真的是這樣。

以下資料來自於Portfolio visualizer及Vanguard官網

Portfolio	Initial Balance	Final Balance	CAGR	Stdev	Best Year	Worst Year	Max. Drawdown	Sharpe Ratio	Sortino Ratio	Market Correlation
Vanguard Consumer Staples ETF	$10,000	$54,737	9.95%	11.76%	28.02%	-16.57%	-29.37%	0.77	1.20	0.77
Vanguard 500 Index Investor	$10,000	$47,179	9.04%	15.17%	32.18%	-37.02%	-50.97%	0.57	0.83	1.00

Year	Inflation	Vanguard Consumer Staples ETF	Vanguard 500 Index Investor	Vanguard Consumer Staples ETF (VDC)
Return	Balance	Return	Balance
2005	3.42%	3.76%	$10,376	4.77%	$10,477	3.76%
2006	2.54%	15.86%	$12,022	15.64%	$12,116	15.86%
2007	4.08%	12.69%	$13,547	5.39%	$12,769	12.69%
2008	0.09%	-16.57%	$11,302	-37.02%	$8,042	-16.57%
2009	2.72%	16.55%	$13,173	26.49%	$10,172	16.55%
2010	1.50%	14.62%	$15,098	14.91%	$11,689	14.62%
2011	2.96%	13.60%	$17,151	1.97%	$11,918	13.60%
2012	1.74%	11.02%	$19,041	15.82%	$13,805	11.02%
2013	1.50%	28.02%	$24,376	32.18%	$18,246	28.02%
2014	0.76%	15.96%	$28,268	13.51%	$20,711	15.96%
2015	0.73%	5.82%	$29,912	1.25%	$20,970	5.82%
2016	2.07%	6.30%	$31,796	11.82%	$23,448	6.30%
2017	2.11%	11.85%	$35,563	21.67%	$28,528	11.85%
2018	1.91%	-7.79%	$32,792	-4.52%	$27,237	-7.79%
2019	2.29%	26.10%	$41,350	31.33%	$35,770	26.10%
2020	1.36%	10.84%	$45,830	18.25%	$42,297	10.84%
2021	7.04%	17.61%	$53,901	28.53%	$54,366	17.61%
2022	6.78%	1.55%	$54,737	-13.22%	$47,179	1.55%
Annual return for 2022 is from 01/01/2022 to 11/30/2022

如果同樣的方法套用到台灣，直接把食品類股整包買起來會怎樣?

就下面這樣吧! 投資真的很簡單。