在開篇，首先要很嚴(yán)肅滴跟大家說一個(gè)投資的事實(shí)：巴菲特的投資年化收益率也才20%+?？客顿Y積累財(cái)富看似比較簡單容易，然而事實(shí)上年化復(fù)利19%這樣的投資回報(bào)，也鮮少有人做到??！
原因so easy：大多數(shù)人喜歡短期買賣證券！股票市場有一個(gè)非常重要的社會(huì)功能，炒股容易讓人激動(dòng)，讓人忐忑，讓人有更多的社交圈子，讓人娛樂無窮。
但實(shí)際上，被動(dòng)投資指數(shù)也比自個(gè)兒費(fèi)心費(fèi)力選個(gè)股長期成功率要高很多！所謂被動(dòng)投資，就是不需多加思考地買入某個(gè)指數(shù)（如ETF產(chǎn)品）。
不用大腦投資竟然比燒腦選股更好？是的！歷史數(shù)據(jù)證實(shí)：能夠連續(xù)超越大盤指數(shù)的基金經(jīng)理是少之又少的~
那么，究竟哪個(gè)指數(shù)更好呢？本人做了一下功課，如果定投幾大股指（包括上證綜指、滬深300、中證500），近三年、近五年、近十年，收益率分別是多少？你一定也很想知道吧？
我們先找到一個(gè)指數(shù)定投計(jì)算器。然后，我們先看看，上證指數(shù)短期近三年的收益情況。選擇“上證指數(shù)”，然后“查看收益”。
（注：本文所使用指數(shù)定投計(jì)算器來源于
U8基金網(wǎng)，
http://www.u8see.com/fund_dingtou_rater.asp）
近三年，定投上證指數(shù)的累計(jì)總收益率為：33.65%！
現(xiàn)在，我們將定投上證綜指、滬深300、中證500指數(shù)的近三年收益率全部算出來，然后放在一起比較，結(jié)果就一目了然了！
主流指數(shù)三年期定投收益比較
日期
上證綜指
滬深300
中證500
2012-11-1
0.00%
0.00%
0.00%
2012-12-3
-3.44%
-4.11%
-7.42%
2013-1-4
8.13%
9.85%
6.48%
2013-2-1
11.16%
14.54%
10.98%
2013-3-1
6.74%
9.14%
12.34%
2013-4-1
0.90%
1.63%
5.73%
2013-5-2
-1.56%
-0.12%
2.63%
2013-6-3
3.59%
5.35%
13.74%
2013-7-1
-8.98%
-9.25%
-1.30%
2013-8-1
-6.70%
-7.14%
4.65%
2013-9-2
-3.19%
-3.68%
8.79%
2013-10-8
1.30%
1.25%
14.76%
2013-11-1
-0.87%
-1.02%
7.29%
2013-12-2
1.67%
0.36%
8.61%
2014-1-2
-2.66%
-3.42%
10.10%
2014-2-7
-5.30%
-7.47%
12.42%
2014-3-3
-3.65%
-7.90%
14.39%
2014-4-1
-4.66%
-8.55%
9.35%
2014-5-5
-5.30%
-8.36%
6.17%
2014-6-3
-4.55%
-8.21%
6.51%
2014-7-1
-3.80%
-7.22%
9.62%
2014-8-1
2.42%
-0.15%
16.03%
2014-9-1
4.56%
0.92%
23.17%
2014-10-8
10.98%
5.93%
34.93%
2014-11-3
12.65%
7.10%
34.45%
2014-12-1
23.31%
19.42%
37.74%
2015-1-5
52.15%
52.21%
41.66%
2015-2-2
40.55%
38.76%
45.02%
2015-3-3
45.00%
43.57%
56.18%
2015-4-1
67.01%
66.49%
86.56%
2015-5-4
93.27%
90.28%
110.14%
2015-6-1
104.91%
98.56%
154.01%
2015-7-1
69.84%
64.35%
100.58%
2015-8-3
50.27%
46.56%
77.45%
2015-9-1
30.45%
27.86%
43.89%
2015-10-8
28.67%
24.66%
47.28%
2015-11-2
35.13%
30.60%
58.69%
2015-11-27
39.65%
33.65%
68.75%
（注意最后一行！?。。?div style="height:15px;">
本周最偉大的發(fā)現(xiàn)，終于在孜孜不倦的研究過程中誕生了：中證500指數(shù)的定投收益率始終凌駕在其它兩大指數(shù)之上，有沒有？三年期定投收益率，中證500指數(shù)竟然是其它指數(shù)收益率的兩倍左右！！
中證500指數(shù)當(dāng)真要比其它指數(shù)要神奇？讓我們迅速找出五年期定投收益、十年期定投收益的比較，看這一判斷是否能得到驗(yàn)證。首先看五年期：
主流指數(shù)五年期定投收益比較
日期
上證綜指
滬深300
中證500
2010-11-1
-0.00%
0.00%
-0.00%
2010-12-1
-3.77%
-4.85%
-0.80%
2011-1-4
-1.85%
-2.15%
-1.89%
2011-2-1
-2.78%
-4.20%
-7.01%
2011-3-1
1.11%
1.07%
2.29%
2011-4-1
2.33%
1.35%
0.96%
2011-5-3
0.95%
-0.48%
-1.65%
2011-6-1
-4.85%
-6.03%
-8.96%
2011-7-1
-3.82%
-4.09%
-5.91%
2011-8-1
-5.18%
-5.72%
-4.59%
2011-9-1
-9.42%
-9.32%
-8.83%
2011-10-10
-15.50%
-16.68%
-18.79%
2011-11-1
-10.14%
-11.18%
-14.07%
2011-12-1
-12.23%
-13.86%
-15.12%
2012-1-4
-18.88%
-21.80%
-28.44%
2012-2-1
-14.24%
-16.28%
-25.11%
2012-3-1
-7.77%
-8.70%
-13.93%
2012-4-5
-11.79%
-12.16%
-17.18%
2012-5-2
-6.22%
-5.87%
-12.13%
2012-6-1
-8.29%
-7.26%
-10.94%
2012-7-2
-13.32%
-12.54%
-15.74%
2012-8-1
-16.53%
-15.58%
-21.75%
2012-9-3
-18.23%
-19.36%
-21.17%
2012-10-8
-16.88%
-17.11%
-20.69%
2012-11-1
-15.05%
-15.45%
-18.79%
2012-12-3
-20.09%
-21.54%
-29.65%
2013-1-4
-6.89%
-5.86%
-16.01%
2013-2-1
-1.04%
2.22%
-9.24%
2013-3-1
-3.36%
-0.53%
-5.40%
2013-4-1
-8.20%
-6.84%
-9.67%
2013-5-2
-10.33%
-8.20%
-11.56%
2013-6-3
-5.01%
-2.39%
-0.29%
2013-7-1
-17.04%
-16.47%
-13.20%
2013-8-1
-15.17%
-14.82%
-7.29%
2013-9-2
-11.92%
-11.63%
-2.77%
2013-10-8
-7.52%
-6.81%
3.66%
2013-11-1
-9.31%
-8.74%
-2.47%
2013-12-2
-6.69%
-7.25%
-0.65%
2014-1-2
-10.55%
-10.68%
1.34%
2014-2-7
-12.97%
-14.52%
4.13%
2014-3-3
-11.38%
-15.00%
6.63%
2014-4-1
-12.26%
-15.67%
2.38%
2014-5-5
-12.82%
-15.56%
-0.27%
2014-6-3
-12.07%
-15.46%
0.36%
2014-7-1
-11.29%
-14.55%
3.67%
2014-8-1
-5.34%
-7.87%
10.22%
2014-9-1
-3.09%
-6.70%
17.62%
2014-10-8
3.22%
-1.78%
29.67%
2014-11-3
5.16%
-0.42%
29.96%
2014-12-1
15.67%
11.52%
33.91%
2015-1-5
43.72%
43.16%
38.51%
2015-2-2
33.53%
31.24%
42.59%
2015-3-3
38.54%
36.56%
54.49%
2015-4-1
60.63%
59.42%
85.87%
2015-5-4
87.27%
83.53%
110.97%
2015-6-1
100.01%
92.90%
157.14%
2015-7-1
66.72%
60.54%
104.37%
2015-8-3
48.15%
43.77%
81.76%
2015-9-1
28.99%
25.79%
47.88%
2015-10-8
27.58%
22.95%
51.88%
2015-11-2
34.38%
29.15%
64.25%
2015-11-28
38.88%
32.16%
74.66%
中證500指數(shù)的優(yōu)勢，是不是越發(fā)明顯了？且慢，別急著歡呼，我們來看看更考驗(yàn)指數(shù)功力的更長時(shí)間內(nèi)的收益情況——十年期指數(shù)定投大比拼！
主流指數(shù)十年期定投收益比較
日期
上證綜指
滬深300
中證500
2005-11-1
0.00%
0.00%
0.00%
2005-12-1
0.40%
0.01%
0.30%
2006-1-4
5.28%
5.23%
3.71%
2006-2-6
11.09%
11.62%
12.53%
2006-3-1
10.18%
11.31%
9.21%
2006-4-3
9.39%
11.42%
12.70%
2006-5-8
20.67%
22.10%
25.48%
2006-6-1
31.28%
35.51%
47.87%
2006-7-3
28.71%
33.06%
47.82%
2006-8-1
19.24%
18.10%
33.79%
2006-9-1
19.94%
19.47%
34.44%
2006-10-9
28.26%
27.65%
42.40%
2006-11-1
30.75%
29.08%
36.56%
2006-12-1
44.67%
47.24%
40.55%
2007-1-4
81.12%
70.94%
45.45%
2007-2-1
80.41%
91.95%
77.56%
2007-3-1
76.39%
92.45%
95.69%
2007-4-2
99.27%
114.98%
130.52%
2007-5-8
134.52%
168.67%
203.71%
2007-6-1
130.66%
168.40%
184.31%
2007-7-2
115.41%
157.27%
153.95%
2007-8-1
135.05%
184.94%
181.29%
2007-9-3
182.53%
248.60%
228.22%
2007-10-8
193.83%
252.66%
223.72%
2007-11-1
197.06%
239.69%
174.62%
2007-12-3
138.98%
181.96%
152.36%
2008-1-2
152.93%
210.06%
202.29%
2008-2-1
103.43%
157.41%
157.12%
2008-3-3
105.21%
163.87%
194.64%
2008-4-1
52.13%
94.10%
105.15%
2008-5-5
69.55%
115.86%
119.76%
2008-6-2
54.19%
90.07%
102.74%
2008-7-1
17.64%
40.19%
46.53%
2008-8-1
23.59%
46.19%
60.52%
2008-9-1
2.49%
18.30%
16.77%
2008-10-6
-4.07%
8.80%
6.97%
2008-11-3
-23.45%
-15.07%
-19.28%
2008-12-1
-15.25%
-4.13%
0.61%
2009-1-5
-15.47%
-3.09%
5.74%
2009-2-2
-9.34%
5.73%
20.22%
2009-3-2
-5.52%
10.98%
28.47%
2009-4-1
8.47%
29.92%
52.29%
2009-5-4
14.96%
37.49%
62.49%
2009-6-1
21.70%
43.77%
68.14%
2009-7-1
33.76%
61.46%
75.08%
2009-8-3
52.79%
86.92%
98.70%
2009-9-1
18.03%
39.50%
59.11%
2009-10-9
27.48%
54.04%
73.78%
2009-11-2
33.99%
63.87%
90.33%
2009-12-1
40.08%
70.55%
115.37%
2010-1-4
39.65%
67.96%
112.42%
2010-2-1
26.12%
48.83%
101.98%
2010-3-1
31.79%
55.86%
116.30%
2010-4-1
33.70%
57.93%
120.53%
2010-5-4
20.07%
39.85%
100.71%
2010-6-1
8.60%
26.62%
80.76%
2010-7-1
0.37%
16.26%
60.85%
2010-8-2
12.78%
33.68%
88.78%
2010-9-1
10.50%
31.61%
98.68%
2010-10-8
15.13%
38.27%
107.29%
2010-11-1
27.92%
56.80%
123.99%
2010-12-1
17.97%
40.92%
118.48%
2011-1-4
18.88%
42.64%
112.18%
2011-2-1
16.38%
37.03%
94.55%
2011-3-1
21.04%
44.24%
113.44%
2011-4-1
22.70%
44.35%
109.37%
2011-5-3
20.93%
41.01%
101.85%
2011-6-1
12.96%
31.45%
82.99%
2011-7-1
13.41%
32.96%
86.36%
2011-8-1
10.97%
29.40%
86.71%
2011-9-1
4.84%
22.85%
75.60%
2011-10-10
-3.78%
10.67%
52.39%
2011-11-1
1.34%
16.52%
58.23%
2011-12-1
-2.04%
11.45%
53.43%
2012-1-4
-10.82%
-0.83%
25.34%
2012-2-1
-6.67%
4.72%
27.88%
2012-3-1
-0.17%
13.36%
44.88%
2012-4-5
-5.20%
8.07%
37.22%
2012-5-2
0.41%
15.21%
43.91%
2012-6-1
-2.24%
12.88%
44.36%
2012-7-2
-8.21%
5.62%
34.87%
2012-8-1
-12.29%
1.04%
23.31%
2012-9-3
-14.77%
-4.49%
22.43%
2012-10-8
-13.96%
-2.67%
21.52%
2012-11-1
-12.57%
-1.46%
22.96%
2012-12-3
-18.36%
-9.45%
4.66%
2013-1-4
-5.09%
8.29%
23.76%
2013-2-1
0.82%
17.48%
32.86%
2013-3-1
-1.64%
14.13%
37.76%
2013-4-1
-6.78%
6.55%
30.71%
2013-5-2
-9.19%
4.63%
27.11%
2013-6-3
-3.92%
11.05%
42.84%
2013-7-1
-16.45%
-5.50%
23.49%
2013-8-1
-14.87%
-4.09%
31.25%
2013-9-2
-11.84%
-0.88%
37.14%
2013-10-8
-7.57%
4.27%
45.88%
2013-11-1
-9.51%
1.82%
36.77%
2013-12-2
-7.01%
3.23%
38.90%
2014-1-2
-11.02%
-0.89%
41.31%
2014-2-7
-13.62%
-5.51%
44.89%
2014-3-3
-12.20%
-6.39%
48.11%
2014-4-1
-13.24%
-7.48%
41.88%
2014-5-5
-13.96%
-7.69%
37.83%
2014-6-3
-13.36%
-7.89%
38.34%
2014-7-1
-12.73%
-7.20%
42.60%
2014-8-1
-6.92%
-0.13%
51.44%
2014-9-1
-4.74%
0.97%
61.55%
2014-10-8
1.52%
6.19%
78.24%
2014-11-3
3.51%
7.58%
78.77%
2014-12-1
14.03%
20.55%
84.37%
2015-1-5
42.17%
55.18%
90.94%
2015-2-2
32.45%
42.54%
96.85%
2015-3-3
37.81%
48.65%
113.71%
2015-4-1
60.39%
74.10%
157.96%
2015-5-4
87.83%
101.24%
193.94%
2015-6-1
101.55%
112.38%
259.99%
2015-7-1
68.61%
77.28%
187.11%
2015-8-3
50.26%
59.11%
156.03%
2015-9-1
31.07%
39.36%
108.55%
2015-10-8
29.86%
36.34%
114.46%
2015-11-2
37.06%
43.40%
132.34%
2015-11-27
41.64%
46.74%
147%
你能相信嗎？十年間，定投其它兩大指數(shù)的收益率仍然只在40%左右，十年啊。然而可愛的中證500的定投收益率高達(dá)147%！看到這里，本人只想對(duì)中證500說倆字：完美！
要想投資積累財(cái)富，不妨從今天做起，投資中證500指數(shù)。如果覺得點(diǎn)位高感覺不好，那么不妨拉開時(shí)間段做些定投。年化復(fù)利19%的投資，會(huì)讓你有個(gè)舒服的退休晚年。但是要想嗨想激動(dòng)想變成股神，那就去盯盤炒股吧，長期獲勝概率有多低，客官是應(yīng)該知道的。
既然有了合適的投資對(duì)象，我們還需要更Perfect的投資利器。如何定投中證500指數(shù)？最簡單有效的方法當(dāng)然是定投：南方中證500ETF聯(lián)接基金！
南方中證500ETF聯(lián)接基金投資于目標(biāo)ETF，緊密跟蹤業(yè)績比較基準(zhǔn)，良好跟蹤精度引來市場追捧。Wind數(shù)據(jù)顯示，截至2015年11月12日，南方中證500ETF上市首日以來的年化跟蹤誤差為0.58%，在成立滿半年的中證500ETF中位居第一。Wind數(shù)據(jù)顯示，截至2015年11月30日，南方中證500ETF聯(lián)接今年來漲幅40.18%，近兩年漲幅85.41%，位居同類產(chǎn)品前列。
南方中證500ETF聯(lián)接基金業(yè)績
南方中證500ETF聯(lián)接業(yè)績走勢圖
數(shù)據(jù)來源：Wind，2015.11.30
當(dāng)前，市場波動(dòng)仍然較大，但震蕩行情也是定投入場的好時(shí)機(jī)。從目前市場來看，無論是3500點(diǎn)還是3600點(diǎn)，都該是定投南方500ETF聯(lián)接基金的時(shí)候了~
好啦，今天的研究分享就是醬紫！謝謝收看，下期再見！
