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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./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！
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