如果你已經讀過《持續買進》，那《長期買進》可以說是更貼近台股市場的實證升級版。
兩本書的核心其實只有六個字：長期，持續買進。
然而畢竟人不是AI，這麼簡單的方法，之所以很多人做不到，原因在於信念，還有認清事實：自己沒有比市場厲害。
你真的能打敗市場嗎？
很多人想靠自己的「功力」選股致富，但書的前半段列出一連串行為偏誤：
＊後見之明偏誤
＊錨定效應
＊過度自信
我們自認判斷精準，不過在消息面跟相關知識都不如專業人士的狀況下，想靠主動投資，賭「我比市場聰明」，勝算實在太低（連專業經理人也沒辦法長期大敗大盤），而被動投資本質則是相信「人類文明會持續進步」。
0050夠分散嗎？
《長期買進》並不是單純指長期買進個股，而是要買被動型的指數型ETF。以臺灣來說，實證研究顯示，0050與臺灣股價加權指數報酬相關係數高達94.59，雖然只選50檔但已達極高度分散，並捕捉了台股大部分的波動與成長，並與整體經濟的成長趨勢站在同一陣線。
單筆投入 vs 定期定額
如果有資金，請單筆投入。因為根據美國基金公司先鋒集團研究報告顯示，在年初投入一筆資金，跟分成三等份定期定額，前三個月每月投入一次，年底結算，以投資100%股票的MSCI世界指數，區間為1976-2022年的統計資料來看，單筆投入在約 68% 的情境下勝過分批投入。
原因很簡單：
市場長期向上，越早讓資金進場，越早開始複利。
投入時機重要嗎？
書中另一個數據更反直覺：
在1965-1995年的30年區間，每年固定投資一筆錢到市場，其中一個倒霉鬼，每年都投資在最高點，另一人則化身股神，都投資在最低點，結果倒霉鬼年化報酬率為10.6%，股神為11.7%，只差了1.1%。為了這1.1％，花費許多時間預測高低點值得嗎？可以自己考量。
總之，無腦投資被動型的指數ETF，在長期來看，股市必定上漲的趨勢下，能達到「無招勝有招」的境界。就現在台股三萬點的狀況來看，要是在兩萬多時，就已經預測是高點的話，恐怕是一直找不到時機可以投入資金，「長期買進」，在整體經濟成長的前提下，讓時間與複利站在你這邊，就能無腦立於不敗之地。把時間花在讓生活更加美好的地方，何樂而不為呢？
如果對ETF有興趣，可以看以下文章：
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