人老錢不老 Money never gets old

日漸衰老，卻沒有儲蓄養老金的人，不要驚慌，從現在起，開始儲蓄，至少有兩個方式，可以安心。這兩種方法是經過2008~2009有史以來，最大金融風暴和經濟蕭條的檢驗的。

For those who are getting old and without enough savings for retirement, don’t panic since it is not too late to start saving. There are some rather safe methods to save more money. Following are two ways tested and proven since 2008 – 2009 when US experienced the worst financial crisis and economic depression.

(1) 買賣股票，如果不採到地雷(公司倒閉)，以下是一個很亮麗的真實例子。

Trading stocks, assuming you don’t step on a mine field (bankruptcy).   This table shows one good and real example:

date	deposit	balance	growth
04/2005	$5,000	$5,000	0.00%
02/2007	$5,000	$13,134	62.68%
03/2009	$2,000	$15,722	4.48%
03/2010	$3,000	$27,271	54.38%
03/2011	$3,000	$36,478	22.76%
03/2013	$2,000	$51,185	34.84%
03/2014	$1,000	$77,427	49.32%
03/2015	$1,000	$91,129	16.41%
04/06/15	$0	$94,734	3.96%

(2) 只買Berkshire Hathaway Inc. (BRK-B) 這個公司的股票，只買不賣，讓巴非特Warren Buffett 替你賺錢。

Buy Berkshire Hathaway Inc. (BRK-B) stock and hold. The strategy here is buy-and-hold and lets Warren Buffet make money for you. Hers is the same example:

date	deposit	BRK-B shares	balance	growth
04/2005	$5,000	87	$5,000	0.00%
02/01/07	$5,000	+73.5=160.5	$10,918	18.36%
03/2009	$2,000	+30=190.5	$12,700	-2.00%
03/2010	$3,000	+40=230.5	$17,288	12.50%
03/2011	$3,000	+37.5=268	$21,400	6.43%
03/2013	$2,000	+20=288	$28,800	25.23%
03//014	$1,000	+8=296	$37,000	25.00%
03/2015	$1,000	+7=303	$43,564	15.03%
04/06/15	$0	$143.76/share	$43,564	0.00%

*Translated to English by Vincent