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這一次我訪問華府智庫「德國馬歇爾基金會」(German Marshall Fund)中國事務分析師Mr.Bryce Barros(白若詩)， 白先生曾在台灣軍事院校學習，也是美中關係全國委員會委員、杜魯門國家安全項目研學者; 這次特別邀請他，針對最新的國際變局、阿富汗重新落入塔利班後，中、美、歐之間的博弈
白先生通中、日文，這一次的訪談是以中文，歡迎所有的夥伴在線上收聽
【宗教信仰不同，竟會影響投資組合？】
#論信仰投資
我自己很喜歡跟朋友探討各式各樣的話題，除了能增加自己的人生閱歷，有時候還會有意外的收穫＆啟發。
還記得是在三月多的時候吧，跟朋友在討論生死相關話題時，居然開始講起不同宗教信仰面對死亡的觀點，最有趣的是，居然一路聊到了信仰對投資產生的影響，這也啟發我去提筆寫一系列宗教信仰相關的文章！
我自己其實沒有什麼特別深刻的宗教信仰，倒是朋友一直信奉著基督教且奉為人生的圭臬，這也對他的投資產生了莫大變化。
那時候他就跟我說，他在選股時會特別在意公司有做哪些業務，若是有碰到一些賭博、菸酒、成人相關產業的話，基本上他就會避開，就算有著潛在的報酬或成長，他也是不碰的。
當然，也不是每一個有參加教會活動的人都跟他一樣連投資都信守這樣的紀律，這也激發我去看看其他宗教是不是有額外的投資規範？或是有哪些投資標的其實和宗教有關？
我發現，原來還有這樣的一個專有名詞叫做「信仰投資」，其意指「投資人根據本身宗教信仰的教義，來約束自身的投資行為。」
而每個宗教教義不同，其約束的投資行為也有所不同。
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「#天主教與基督教選股都要看聖經？」
這也叫做 #聖經責任投資，其投資規範就是和聖經教義有關，而即使基督教和天主教的教義不同，但他們的投資規範沒差太多，都是會在挑企業時避免聖經禁止的產業，例如：
⚔ 向未婚伴侶或同性伴侶提供服務的產業
⚔ 支持墮胎、避孕的產業
⚔ 生物複製產業
⚔ 軍事或生產大規模殺傷武器的產業
⚔ 成人娛樂產業
⚔ 成癮性娛樂，如賭博與菸酒產業
當然，在一些細節上，還是會因為教派的不同而有所差異。
像是天主教基金 Ave Maria Mutal Fund 就沒有明文禁止對武器產業的投資，這從他們旗下多檔基金的投資組合就可以看得出來。
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「#伊斯蘭教不吃豬，那可以投資跟豬肉有關的公司嗎？」
不查還好，一查不得了，我發現在所有宗教之中，伊斯蘭教的信徒為數眾多，在 2015 年就突破十五億人口，列為全球第二大宗教，且多數伊斯蘭國家採行政教合一，對金融市場可說是有莫大的影響。
最有趣的是，伊斯蘭教是禁止衍生性產品的投資，也就是說期貨、選擇權的交付日期因為都在未來，存在太多不確定性，所以都被列入禁止投資的名單當中。
此外，在伊斯蘭教中有定義所謂的邪惡產業（Haram），這些邪惡產業也是伊斯教徒們不碰的投資產品，多數是大家耳熟能詳的菸酒、賭博和成人相關產業，卻有一項身為台灣人可能會每天接觸到的，竟也被放在邪惡產業的一環，那就是「豬肉」！
伊斯蘭教可說是把教義淋漓盡致地實行在生活之中，甚至比其他宗教更為嚴格規範、約束力更大，已經到了法律的層級。
那你可能會想，這樣伊斯蘭教的信徒們在投資上也太限制重重，他們還能投資哪些公司？
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「#台積電受到伊斯蘭投資準則認可！」
台積電在這點上也可稱為台灣之光，在 2020 年入選 MSCI 指數，變成了各個伊斯蘭國家的投資標的，吸引更多資金進來。（先說，這不是買入建議喔）
MSCI 對多數台灣投資人可能都有點印象，但可能沒多少人會細細探究這到底是什麼樣的一個指數，其實他的中文名稱為全球伊斯蘭指數，是由摩根士丹利於 2007 年所推出的指數，會從全球各股中找尋符合 Sharia 規範的企業進行投資。
Sharia 就是伊斯蘭教法，也就是說台積電這家公司通過伊斯蘭教的法律規範，在其他基金或指數之中也能看到台積電的蹤影！
這無疑對台積電來說也是好事，當有更多的投資者參與其中，就代表能夠獲得更多的資金，股價也會更加穩定！
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「#投資報酬率和宗教信仰哪個更重要？」
從這些宗教信仰的投資看下來，對於大多數追求投資報酬率的投資人來說，可能會覺得有點可笑，既然要做投資了，不就是要找出投資報酬率最好的公司或產業嗎？
但基督教、天主教或是伊斯蘭教的信徒們卻因為執著在這些信仰的點，而讓自己投報率降低。
其實，這只是價值觀不同罷了，雖然投資報酬率可能少一點，但若能不違背自己良心，在做覺得是對的事情，無悔於自己的人生，那也談不上是什麼損失，反而獲得了更多！
投資的目的，不就是讓自己的生活、人生變得更好一些嘛～
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說了那麼多，台灣的信仰投資是什麼？
仔細想想，台灣多數投資人似乎沒有特別限制的投資產業，倒是宮廟的影響頗大，過年時不少人會到紫南宮跟土地公借錢去開公司或做投資。
或許台灣的信仰投資就是「#宮廟投資」？ＸＤ
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更多信仰投資的相關介紹連結放在留言處 👇
我们第一次MCO是去年318，一年半就这样过去了，那时候病例才两三百大家都快吓死了。
当时大家对医护人员的打气喊话更是令人感动，可是渐渐的来到今天，我们的每日确诊病例是一万多甚至逼近两万。
大家对疫情越来越麻木的同时，对医护人员的处境好像也越来越理所当然，其实他们真的真的非常需要大家的帮忙。
影片里会告诉你你看不到的前线情况和他们的困境（不允许对外发声）
让我们一起来为他们做些什么吧！
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You can find Sesame Oil Chicken Mee Sua practically anywhere in Taiwan. Can't travel now? No worries. You can make sesame oil chicken mee sua easily at home too. Just follow Roland's recipe to enjoy a nice comforting bowl of sesame oil chicken mee sua for lunch or dinner. Happy cooking!
See the ingredient list below for your easy reference.
中文版 https://youtu.be/Xiby2KpRAac
Hope you can recreate this yummy dish in the comfort of your home. Thanks for dropping by our channel.
Please subscribe to stay tuned to our home cooking videos.
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xoxo
Jamie
on behalf of Spice N’ Pans
Taiwanese Sesame Oil Chicken Mee Sua ingredients
Serve 4 pax
————
700g of chicken leg - marinate chicken with 1.5 teaspoons of salt
2 tablespoons of sesame oil
50g of sliced old ginger
500ml of Chinese rice wine
1.5L of chicken stock (How to make: https://youtu.be/2SbCwnn4TWA)
1 can of button mushrooms
1/2 teaspoon of sugar
2 tablespoons of sesame oil
1 stalk of spring onion
Other ingredients
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Mee sua
Some wolfberries
Some salt to taste (if needed)
===
Don't know where to get the ingredients or don't know how they look like? See the links below.
Sesame oil https://amzn.to/3hRmqQj
Chinese white rice wine https://amzn.to/3fbXmC1
Chicken stock https://amzn.to/3jZzuou
Button mushrooms https://amzn.to/30fUC1W
Mee sua (Flour vermicelli) https://amzn.to/3hS3wbZ
Dried wolfberries https://amzn.to/2BI9DQK
----------
Looking for similar cooking equipment like the one we used in the video? These might interest you:
Cast iron wok https://amzn.to/2DncvD0
Greenpan Saucepan https://amzn.to/2D5MmJ9
-------------
Filming equipment:
iPhone 11 Pro Max (Get from Amazon https://amzn.to/3eA24tz)
Microphone: Sennheiser AVX digital wireless microphone system
Get in Singapore: https://singapore.sennheiser.com/products/avx-mke2-set-3-uk?_pos=2&_sid=adb86a9d8&_ss=r
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-------------
If you like this recipe, you might like these too:
Grandma's Mee Sua Soup 阿嫲面线
https://youtu.be/iyJOVza-f4k
Taiwanese Oyster Mee Sua Recipe 台湾蚵仔面线 Orh Ah Misua
https://youtu.be/C90-QTq7tio
Stir Fried Mee Sua 干炒面线
https://youtu.be/4yCED1l9u6c
-------------
Disclaimer:
Spice N' Pans is not related to these products and cannot guarantee the quality of the products in the links provided. Links are provided here for your convenience. We can only stand by the brands of the products we used in the video and we highly recommend you to buy them. Even then, preference can be subjective. Please buy at your own risk. Some of the links provided here may be affiliated. These links are important as they help to fund this channel so that we can continue to give you more recipes. Cheers!
Cooking fried rice in a rice cooker is a game-changer for many because this means you neither have to cook rice way in advance nor wash multiple pots. Super awesome and convenient in my opinion.
You can also use multi cooker or instant pot to make this dish too. Try it.
See the ingredient list below for your easy reference.
中文版 https://youtu.be/us_z1WuWfVg
Hope you can recreate this yummy dish in the comfort of your home. Thanks for dropping by our channel.
Please subscribe to stay tuned to our home cooking videos.
Follow us on:
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Facebook www.facebook.com/spicenpans/
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Chat with us! info@spicenpans.com
Thanks for watching! See you soon.
xoxo
Jamie
on behalf of Spice N’ Pans
Ingredients:
Serves 3 - 4 pax
-------
5 cloves of chopped garlic
2 cups of uncooked rice
2 cups of chicken stock
150g of prawns
3 small eggs
2 tablespoons of light soy sauce
A few dashes of white pepper
1 teaspoon of salt
4 stalks of chopped spring onion
-------
FYI
-------
If you don't have a rice cup, 1 rice cup has 142ml of water and 1 rice cup has 150g of rice.
If you don't have chicken stock on hand, use 1 chicken bouillon cube with 284ml (2 rice cups) of water.
If you are using concentrated chicken stock, use 2 teaspoons of it with 284ml (2 rice cups) of water.
===
Don't know where to get the ingredients or don't know how they look like? See the links below.
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Concentrated chicken stock https://amzn.to/2W8tC27
Light soy sauce https://amzn.to/3dBZuBY
----------
If you like this recipe, you might like these too:
One Pot Chicken & Mushroom Rice 香菇鸡饭 Stove Top Cast Iron One Pot Chinese Meal
https://youtu.be/GdFc-4UqPWg
Rice Cooker Fragrant Cabbage Rice Recipe 咸饭 Kiam Pung • Chinese Rice Recipe
https://youtu.be/sbQKydkSVKA
Super Easy (Rice Cooker) Yam Rice w/ Chicken & Mushrooms 香菇鸡肉芋头饭
https://youtu.be/gNo1MrMVNjQ
-------------
Filming equipment:
iPhone 11 Pro Max (Get from Amazon https://amzn.to/3eA24tz)
Microphone: Sennheiser AVX digital wireless microphone system
Get Sennheiser microphone in Singapore:
https://singapore.sennheiser.com/products/avx-mke2-set-3-uk?_pos=2&_sid=adb86a9d8&_ss=r
Get Sennheiser microphone from Amazon:
https://amzn.to/2NILqMR
-------------
Disclaimer:
Spice N' Pans is not related to these products and cannot guarantee the quality of the products in the links provided. Links are provided here for your convenience. We can only stand by the brands of the products we used in the video and we highly recommend you to buy them. Even then, preference can be subjective. Please buy at your own risk. Some of the links provided here may be affiliated. These links are important as they help to fund this channel so that we can continue to give you more recipes. Cheers!
強基金fundhot.com. 25139 likes · 302 talking about this. 強基金fundhot.com 是聚焦基金投資的網路社群，也是黏度最強的基金討論社群。 強友分享投資策略的同時， ... ... <看更多>
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