年化复利19%，定投中证500指数竟堪比巴菲特？！

在开篇，首先要很严肃滴跟大家说一个投资的事实：巴菲特的投资年化收益率也才20%+。靠投资积累财富看似比较简单容易，然而事实上年化复利19%这样的投资回报，也鲜少有人做到！！

原因so easy：大多数人喜欢短期买卖证券！股票市场有一个非常重要的社会功能，炒股容易让人激动，让人忐忑，让人有更多的社交圈子，让人娱乐无穷。

但实际上，被动投资指数也比自个儿费心费力选个股长期成功率要高很多！所谓被动投资，就是不需多加思考地买入某个指数（如ETF产品）。

不用大脑投资竟然比烧脑选股更好？是的！历史数据证实：能够连续超越大盘指数的基金经理是少之又少的~

那么，究竟哪个指数更好呢？本人做了一下功课，如果定投几大股指（包括上证综指、沪深300、中证500），近三年、近五年、近十年，收益率分别是多少？你一定也很想知道吧？

我们先找到一个指数定投计算器。然后，我们先看看，上证指数短期近三年的收益情况。选择“上证指数”，然后“查看收益”。

（注：本文所使用指数定投计算器来源于

U8基金网，

http://www.u8see.com/fund_dingtou_rater.asp）

近三年，定投上证指数的累计总收益率为：33.65%！

现在，我们将定投上证综指、沪深300、中证500指数的近三年收益率全部算出来，然后放在一起比较，结果就一目了然了！

主流指数三年期定投收益比较

日期

上证综指

沪深300

中证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！！！）

本周最伟大的发现，终于在孜孜不倦的研究过程中诞生了：中证500指数的定投收益率始终凌驾在其它两大指数之上，有没有？三年期定投收益率，中证500指数竟然是其它指数收益率的两倍左右！！

中证500指数当真要比其它指数要神奇？让我们迅速找出五年期定投收益、十年期定投收益的比较，看这一判断是否能得到验证。首先看五年期：

主流指数五年期定投收益比较

日期

上证综指

沪深300

中证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%

中证500指数的优势，是不是越发明显了？且慢，别急着欢呼，我们来看看更考验指数功力的更长时间内的收益情况——十年期指数定投大比拼！

主流指数十年期定投收益比较

日期

上证综指

沪深300

中证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%

你能相信吗？十年间，定投其它两大指数的收益率仍然只在40%左右，十年啊。然而可爱的中证500的定投收益率高达147%！看到这里，本人只想对中证500说俩字：完美！

要想投资积累财富，不妨从今天做起，投资中证500指数。如果觉得点位高感觉不好，那么不妨拉开时间段做些定投。年化复利19%的投资，会让你有个舒服的退休晚年。但是要想嗨想激动想变成股神，那就去盯盘炒股吧，长期获胜概率有多低，客官是应该知道的。

既然有了合适的投资对象，我们还需要更Perfect的投资利器。如何定投中证500指数？最简单有效的方法当然是定投：南方中证500ETF联接基金！

南方中证500ETF联接基金投资于目标ETF，紧密跟踪业绩比较基准，良好跟踪精度引来市场追捧。Wind数据显示，截至2015年11月12日，南方中证500ETF上市首日以来的年化跟踪误差为0.58%，在成立满半年的中证500ETF中位居第一。Wind数据显示，截至2015年11月30日，南方中证500ETF联接今年来涨幅40.18%，近两年涨幅85.41%，位居同类产品前列。

南方中证500ETF联接基金业绩

南方中证500ETF联接业绩走势图

数据来源：Wind，2015.11.30

当前，市场波动仍然较大，但震荡行情也是定投入场的好时机。从目前市场来看，无论是3500点还是3600点，都该是定投南方500ETF联接基金的时候了~

好啦，今天的研究分享就是酱紫！谢谢收看，下期再见！