Most of our banking arrangements are governed by inertia. The consumer program Watchdog recently claimed that people in the U.K. who are married are more likely to get divorced than to switch banks.


们在安排大多数银行业务时都是靠惯性使然。消费者节目Watchdog近期宣称，英国已婚夫妇离婚的可能性高过换银行。



While the rates of divorce among entrepreneurs are probably no better -- and quite possibly worse -- than in the general population, one would imagine they take greater care over their financial arrangements. Here, three of them reveal their opinions on investments and private banks.


尽管企业家的离婚率或许不比普通大众低，且很可能更高，但人们可能认为他们对自己的财务安排更为谨慎。在此，三位企业家透露了他们对投资和私人银行的看法。



Felix Dennis


费利克斯•丹尼斯(Felix Dennis)



Currently ranked 88th in the Sunday Times Rich List, and worth over GBP 500 million ($749 million), Felix Dennis is a publisher, poet, philanthropist and one of the U.K.'s best-known entrepreneurs. In 1973 he launched Dennis Publishing, which today publishes over 50 magazines, including The Week and Viz.


丹尼斯目前在《星期日泰晤士报》富豪榜(Sunday Times Rich List)中名列第88位，身家超过五亿英镑（合7.49亿美元）。他是一名出版商、诗人、慈善家，并是英国最著名的企业家之一。他于1973年创办了丹尼斯出版社(Dennis Publishing)，目前出版的杂志超过50本，其中包括"The Week"和"Viz"。



'I don't take investment advice from wealth managers. I have grown several businesses from scratch and amassed many millions from my publishing empire -- why would I take advice from someone who has never experienced that?


我不向财富管理师征求投资建议。我白手起家开创了多项生意，我的出版王国给我带来了亿万财富，为什么我要向一个从未经历过这一切的人征求意见？



'I have a private investment office which has managed my affairs for 30 years. It consists of a group of around seven experts that I handpicked. I am an ogre to work for and they are very patient. We get together to discuss tax, properties and philanthropy. I normally" target="_blank" title="ad.正常情况下；通常">normally give about 10% of my income a year to charities. They help with this.


我的私人投资办公室30年来一直管理我的投资事务。我亲自挑选了七名左右的专家组成了这个团队。我是个像恶魔一样的老板，而他们却非常有耐心。我们在一起讨论税务、财产和慈善事宜。我通常把年收入的10%捐给慈善事业。他们帮我做这件事。



'I keep around 20% of my assets in cash at a private bank, but I treat it just like a normal commercial bank account. I don't take advice from my relationship managers but I do enjoy the odd gin and tonic with them.


我把20%左右的资产留作现金，放在私人银行里，但以普通商业银行帐户的方式对待它。我不听从客户经理的建议，但很喜欢偶尔和他们一起喝两杯。



'I've never had an email address, mobile phone or a television, so I can spend more time doing the things I enjoy: writing poetry, making money and working on the Forest of Dennis -- my sapling plantation project in Warwickshire in the U.K. I would like to see it grow to 20,000 acres (81 square kilometers) and then I'll open it to the public. The forest currently covers 4.5 square kilometers.


我从来没有电子邮箱、手机或电视，因此可以花更多的时间做我喜欢做的事：写诗、赚钱以及从事与丹尼斯森林(Forest of Dennis)有关的工作。这是我在英国沃里克郡的植树工程，我想看到它发展到20,000英亩（81平方公里），那那时我会向公众开放。这片森林目前占地4.5平方公里。



'Ironically, although the forest started out as a hobby, it has been my best investment to date, as the price of the agricultural land I bought 10 years ago has increased five-fold.


具有讽刺意味的是，尽管种森林这事开始时只是我的一个爱好，但却是目前为止我最棒的投资。10年前我购买的这片农田价格已翻了五番。



'Although I don't sit around thinking about money, I do sit around thinking how I'm going to earn it -- when I'm not writing poetry. Unless you are completely retired, earning money is the best form of wealth preservation.


虽然我不会坐等着天上掉钱，但我不写诗时，会坐在那儿考虑如何赚钱。除非你已经完全退休了，否则赚钱就是财富保值的最佳形式。



I have just published my second business book called 88 -- The Narrow Road: A Brief Guide to the Getting of Money, which I hope will teach young entrepreneurs how to do this.


我刚出版了我的第二本商业书籍《走上致富小径88法》(88 -- The Narrow Road: A Brief Guide to the Getting of Money)。我希望这本书能教会年轻企业家如何赚钱。



'I don't make investments, although I do keep a six-figure sum in gold in a safe -- little pieces of gold rather than bars. People are puzzled at this, but I figure if the world comes to an end and I'm desperate for a snack, I don't want to hand over a whole ingot for a cheese sandwich.'


我不进行投资，但我会在保险箱里保存价值六位数的金子，一小块一小块的金子而不是金条。人们可能会觉得奇怪，但我想如果到了世界末日，而我又非常想吃点东西，我不想用一整根金条换一个奶酪三明治。



Brigitte Baumann


布瑞吉特•鲍曼(Brigitte Baumann)



Brigitte Baumann is the founder and chief executive of angel financing services firm Go Beyond Ltd. and the president of EBAN, the European trade association for business angels. She was previously CEO and director of iWorld Group, a mobile content developer, and before that worked for American Express.


鲍曼是天使融资服务公司Go Beyond Ltd.的创始人及首席执行长，也是欧洲天使投资同业公会(EBAN)的总裁。在此之前，她曾担任移动内容开发商iWorld Group的首席执行长兼董事，并曾在美国运通公司(American Express)工作。



'I feel the same way about my wealth manager as I do about my doctor: although I value their expertise, sometimes when it comes to an investment or a medical decision, I also do some research myself and form my own conclusions.


我对财富管理师的感觉与对医生的感觉相同：尽管我看重他们的专业知识，但有时做出投资或医疗决定时，我还要自己做些研究并形成我自己的结论。



'My first experience with a wealth manager was when I was working as a senior vice president at American Express. Back then I wasn't very interested in investing and decided to give some money to a passive asset manager.


我在美国运通公司担任高级副总裁时第一次接触财富管理师。我那时对投资非常感兴趣，因此决定拿出一部分钱让一名被动资产管理师帮我打理。



'Wealth managers seem to treat you differently when you are an entrepreneur. When you are an executive in a corporation and you have nice regular chunks of money coming, it is easier.


如果你是一名企业家，财富管理师似乎会以不同的方式对待你。但如果你是一家公司的高管并定期会有大把的钞票进账，那对他们而言就容易得多。



'But now that I am in the investment phase of my company, they sometimes raise concerns. Four years ago, I launched Go Beyond, an international early-stage investing firm for private investors.


但现在我的公司也处于投资阶段，他们有时会表示关注。四年前，我成立了Go Beyond，这是一家针对私人投资者的国际早期投资公司。



'I also make angel investments. You can tell from the questions I sometimes get when I withdraw money to make investments in start-ups that wealth managers don't understand why I am doing it. They don't consider angel investing as an asset class.


我还进行天使投资。我把钱收回来又投资于处于初创阶段的公司时，有时财富管理师会问我一些问题，所以我敢说他们并不理解我为什么要这么做。他们并不认为天使投资是一种资产增值的方式。



'I grew up in France and my family and I now live in Zurich but I have worked all over the world. Having earned money in many different countries and now being chief executive of a global company means I need a wealth manager who can think big and serve me across borders. I have only ever used global private banks.


我在法国长大，现在和家人住在苏黎世，但在世界各地工作过。我在许多不同的国家赚钱，现在又担任一家全球性公司的首席执行长，这意味着我需要的财富管理师要有大家风范，且能在多个国家为我服务。我到目前为止只用过全球私人银行服务。



'Decisions on my personal and business banking are kept completely separate, and I manage my money with three different firms at the moment.


处理个人事务的银行和处理公司业务的银行要完全分开，我现在通过三家不同的公司管理我的资金。



'Am I satisfied with my wealth manager? Yes, but my expectations are not high!'


我对我财富管理师满不满意？满意，但我的期望值不高！



David Frederik von Rosen-von Hoewel


大卫•弗雷德里克•冯•罗森-冯•哈维尔(David Frederik von Rosen-von Hoewel)



Dr. David Frederik von Rosen-von Hoewel was born in Germany in 1976 and is the chief executive and founder of Berlin-based online luxury fashion label, VonRosen. Dr. von Rosen-von Hoewel previously set up CareerConcept AG in Munich, a human capital investment company, for which he was named a 'Young Global Leader' by the World Economic Forum.


冯•罗森-冯•哈维尔1976年出生在德国，是德国网上奢侈品时尚品牌VonRosen的创始人兼首席执行长，之前他在慕尼黑创立了人力资本投资公司CareerConcept AG，并因此获得世界经济论坛(World Economic Forum)授予的"全球青年领袖(Young Global Leader)"的殊荣。



'I use my instinct to choose a wealth manager. If I like the person and we have chemistry, they will better serve my needs.


我靠直觉选择财富管理师。如果我喜欢这个人，而且我们心有灵犀，他会更好地满足的我需要。



'I decided I needed a wealth manager after selling shares in my first venture, CareerConcept, a philanthropic investment opportunity.


我投资的第一家公司CareerConcept没有取得成效。在出售了它的股份后，我决定要找一个财富管理师。



'I decided to branch out into an unknown industry -- high-end fashion -- with a members-only online brand called VonRosen, which I launched last year in Europe and the U.S.


我去年在欧洲和美国成立一个会员制的网上品牌──VonRosen，决定通过它拓展到一个未知的行业──高端时尚业。



'Initially, I had a wealth manager who I never heard from, although the results on my portfolio were good. He never called; never emailed. I missed a personal relationship -- a basis of trust -- so I changed banks.


我最初的财富管理师从不与我联系，从不打电话，也从不发电子邮件，尽管投资组合的成绩不错。但我希望能建立一种比较亲近的关系，而这是相互信任的基础，所以我换了家银行。



'My wealth manager now, who works in a big international bank, is the perfect counterpart to me. He is very cautious and prefers technical analysis to make investment decisions, whereas I'm much more compulsive and less risk-averse. We end up compromising on most investment ideas.


我现在的财富管理师在一家大型国际银行工作，和我是完美的互补。他非常谨慎，喜欢通过技术分析进行投资决策，而我则更冲动，也不像他那样害怕风险。我们最终会在大多数投资计划上采取折中的办法。



'As the old saying goes: you should never mix business with pleasure. I would never mix my portfolio investing with my business banking. They have nothing to do with each other and follow different aims.


正如老话说：绝不应把生意和乐趣混为一谈。我从不把我的组合投资与处理公司业务的银行混在一起。他们彼此没有关系，目的也不同。



'My No. 1 requirement for all my financial needs is trust.'


在所有的财务需求中，我把信任放在首位。



Tara Loader Wilkinson