大学文凭回报率高于股市
<p><span word="Even">Even</span> <span word="in">in</span> <span word="today">today</span>'<span word="s">s</span> <span word="very">very</span> <span word="tough">tough</span> <span word="job">job</span> <span word="market">market</span>, <span word="a">a</span> <span word="college">college</span> <span word="degree">degree</span> <span word="is">is</span> <span word="the">the</span> <span word="best">best</span> <span word="long">long</span>-<span word="term">term</span> <span word="investment">investment</span> – <span word="by">by</span> <span word="far">far</span>, <span word="promising">promising</span> <span word="higher">higher</span> <span word="returns">returns</span> <span word="than">than</span> <span word="stocks">stocks</span>, <span word="bonds">bonds</span>, <span word="housing">housing</span>, <span word="and">and</span> <span word="even">even</span> <span word="gold">gold</span>, <span word="according">according</span> <span word="to">to</span> <span word="a">a</span> <span word="study">study</span> <span word="released">released</span> <span word="this">this</span> <span word="week">week</span> <span word="by">by</span> <span word="the">the</span> <span word="Brookings">Brookings</span> <span word="Institution">Institution</span>.</p><p>即便是在当下异常严峻的就业市场上，截至目前为止，大学文凭仍然是最好的长期投资。本周，布鲁金斯学会（<span word="Brookings">Brookings</span> <span word="Institution">Institution</span>）发布的一项研究称，比起股票、债券、房产，甚至是黄金来说，大学文凭的回报率都要更高。</p><p><span word="The">The</span> <span word="Washington">Washington</span>, <span word="DC">DC</span>-<span word="based">based</span> <span word="think">think</span> <span word="tank">tank</span> <span word="crunches">crunches</span> <span word="some">some</span> <span word="interesting">interesting</span> <span word="numbers">numbers</span>:</p><p>这家位于华盛顿的智库对下面这些有趣的数字进行了一番计算：</p><p><span word="On">On</span> <span word="average">average</span>, <span word="a">a</span> <span word="four">four</span>-<span word="year">year</span> <span word="degree">degree</span> <span word="is">is</span> <span word="the">the</span> <span word="equivalent">equivalent</span> <span word="of">of</span> <span word="an">an</span> <span word="investment">investment</span> <span word="that">that</span> <span word="returns">returns</span> 15.2% <span word="a">a</span> <span word="year">year</span>. <span word="That">That</span>'<span word="s">s</span> <span word="more">more</span> <span word="than">than</span> <span word="double">double</span> <span word="the">the</span> <span word="average">average</span> <span word="return">return</span> <span word="to">to</span> <span word="stock">stock</span> <span word="market">market</span> <span word="investments">investments</span> <span word="since">since</span> <span word="the">the</span> 1950<span word="s">s</span>, <span word="which">which</span> <span word="average">average</span> 6.8%; <span word="more">more</span> <span word="than">than</span> <span word="five">five</span> <span word="times">times</span> <span word="the">the</span> <span word="return">return</span> <span word="to">to</span> <span word="investments">investments</span> <span word="in">in</span> <span word="corporate">corporate</span> <span word="bonds">bonds</span>, <span word="which">which</span> <span word="return">return</span> 2.9%; <span word="gold">gold</span> <span word="at">at</span> 2.3%, <span word="long">long</span>-<span word="term">term</span> <span word="government">government</span> <span word="bonds">bonds</span> <span word="at">at</span> 2.2% <span word="and">and</span> <span word="housing">housing</span> <span word="at">at</span> 0.4%.</p><p>平均而言，四年的大学学位相当于一笔年回报率在15.2%的投资。这一数字是自20世纪50年代以来的股票投资平均回报率6.8%的2倍还多；是公司债券平均回报率2.9%的5倍还多；而黄金的平均回报率是2.3%，长期政府债券是2.2%，房产是0.4%。</p><p><span word="Admittedly">Admittedly</span>, <span word="a">a</span> <span word="college">college</span> <span word="education">education</span> <span word="demands">demands</span> <span word="pretty">pretty</span> <span word="hefty">hefty</span> <span word="costs">costs</span> <span word="upfront">upfront</span>.</p>
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