????從哈佛大學(xué)(Harvard University)畢業(yè)并不能保證你就一定會(huì)成為億萬(wàn)富翁,。但很顯然,，作為一名哈佛大學(xué)的畢業(yè)生，沒(méi)什么壞處,。

????在活著的億萬(wàn)富翁中,，有52名擁有哈佛大學(xué)學(xué)位，這個(gè)數(shù)字幾乎是第二名賓夕法尼亞大學(xué)(University of Pennsylvania)的2倍,，該大學(xué)有28名億萬(wàn)富翁校友,。前10名中的其他大學(xué)按照從多到少的順序?yàn)椋核固垢４髮W(xué)(Stanford)、紐約大學(xué)(NYU),、哥倫比亞大學(xué)(Columbia),、麻省理工學(xué)院(MIT)、康奈爾大學(xué)(Cornell),、南加州大學(xué)(USC)和耶魯大學(xué)(Yale),。英國(guó)的劍橋大學(xué)(Cambridge University)是唯一一所位于美國(guó)之外的上榜院校。在劍橋大學(xué)近年的畢業(yè)生中,，有11名校友身價(jià)在10億美元以上,。

????你沒(méi)有上過(guò)其中任何一個(gè)學(xué)校？不要沮喪,。這個(gè)排名是由WealthX（一家?guī)椭髽I(yè)尋找超級(jí)富豪顧客的調(diào)查公司）和瑞銀集團(tuán)（UBS,，瑞銀集團(tuán)的財(cái)富管理部門(mén)掌握著超級(jí)富豪的大筆財(cái)產(chǎn)）對(duì)世界億萬(wàn)富翁進(jìn)行的一項(xiàng)新研究的一部分。該報(bào)告指出,，盡管68%的億萬(wàn)富翁至少擁有一個(gè)本科學(xué)位,，但畢業(yè)證書(shū)“并不是開(kāi)創(chuàng)事業(yè)、積聚十億美元財(cái)富的先決條件”,，因?yàn)槿种坏膬|萬(wàn)富翁要么沒(méi)上過(guò)大學(xué),，要么沒(méi)有讀完大學(xué)。

????關(guān)于超級(jí)富豪,，還有更多有趣的事實(shí)：該報(bào)告稱,，美國(guó)是“世界億萬(wàn)富翁之都”,，因?yàn)槊绹?guó)有515名公民的資本凈值超過(guò)20億美元。這個(gè)數(shù)字是位居第二的中國(guó)（157名）的三倍多,。不過(guò),，在宣稱自己是“白手起家”的億萬(wàn)富翁中，中國(guó)富翁占的比例最大（89%）,。

????從全世界范圍來(lái)看,，20%的億萬(wàn)富翁通過(guò)繼承獲得了財(cái)富。另外20%則是繼承了小筆財(cái)產(chǎn)然后將其變成巨大的財(cái)富,，比如唐納德?特朗普,。而超過(guò)一半（60%）的人則是白手起家，比如比爾?蓋茨和沃倫?巴菲特,。

????紐約市有96名億萬(wàn)富翁,，是擁有億萬(wàn)富翁最多的城市，接下來(lái)是香港（75名）,、莫斯科（74名）,、倫敦（67名）和孟買(mǎi)（30名）。舊金山和東京各有20名億萬(wàn)富翁,，休斯敦則有14名億萬(wàn)富翁,。

????全球億萬(wàn)富翁的平均凈資產(chǎn)為30億美元（美國(guó)的平均值為40億美元），其中18%的資產(chǎn)（5.45億美元）,，在任何給定時(shí)間都是以現(xiàn)金或其他流動(dòng)資產(chǎn)的形式存在的,。億萬(wàn)富翁的隊(duì)列在不斷壯大。WealthX報(bào)告稱,，相比于2013年的人數(shù),，今年迄今為止，億萬(wàn)富翁的人數(shù)已經(jīng)增長(zhǎng)了7%,，達(dá)到2,325人,，創(chuàng)歷史新高,。同時(shí),，億萬(wàn)富翁的財(cái)富總值也躍升了12%。

????擁有數(shù)十億美元的好處在于,，即使在全球經(jīng)濟(jì)災(zāi)難那樣的時(shí)刻,，它也可以讓你安然度過(guò)。盡管在過(guò)去幾年,，美國(guó)的平均收入停滯不前,，但是最上層1%人群卻發(fā)展得很好?！白詮慕鹑谖C(jī)后,，金融市場(chǎng)在2009年3月觸底以來(lái)，” WealthX報(bào)告寫(xiě)道，“億萬(wàn)富翁的總財(cái)產(chǎn)增加了一倍多,，達(dá)到了6.5萬(wàn)億美元——比除美國(guó)和中國(guó)外任何一個(gè)國(guó)家的國(guó)內(nèi)生產(chǎn)總值(GDP)還多,。”

????經(jīng)濟(jì)衰退,？對(duì)億萬(wàn)富翁來(lái)說(shuō),，壓根就沒(méi)這回事。（財(cái)富中文網(wǎng)）

????譯者：鄒煥平/汪皓

????Graduating from Harvard is no guarantee that anyone will become a billionaire. But, apparently, it doesn’t hurt.

????Fifty-two living billionaires hold a degree from the school, almost twice as many as those who graduated from second-place University of Pennsylvania, with 28 billionaire alumni. The other universities in the top 10, in descending order: Stanford, NYU, Columbia, MIT, Cornell, USC, and Yale. The U.K.’s Cambridge University is the only school outside the U.S. to make the list. Eleven of its recent grads are worth $1 billion or more.

????Didn’t go to any of those schools? Cheer up. The ranking is part of a detailed new study of the world’s billionaires, by WealthX, a market research firm that helps businesses reach ultra-rich consumers, and UBS, whose wealth management arm handles a big chunk of their money. The report points out that, although 68% of billionaires hold at least a four-year degree, a sheepskin “is not a prerequisite to then go on and amass a billion-dollar fortune,” since one in three billionaires either never went to college at all or didn’t stick around to finish.

????More fun facts about the super-rich: The United States is “the billionaire capital of the world,” the report says, with 515 citizens with net worth that exceeds $2 billion. That’s more than three times as many as second-place China, with 157. Although China has the largest percentage of billionaires (89%) who describe themselves as “self-made.”

????Worldwide, only 20% of billionaires inherited their dough. Another 20%, like Donald Trump, inherited a small pile and turned it into a big one. Well over half (60%), like Bill Gates and Warren Buffett, started from scratch.

????With 96 billionaires, New York has the most of any city, followed by Hong Kong with 75, Moscow (74), London (67), and Mumbai (30). San Francisco and Tokyo are each home to 20. Houston has 14.

????These folks’ global average net worth is $3 billion (the U.S. average is $4 billion), of which 18%, or $545 million, is in cash or other liquid assets at any given time. Their ranks are growing. So far this year, the WealthX report says the billionaire population has grown by 7% compared to what it was in 2013, and it has reached a record-high 2,325. At the same time, their combined wealth jumped by 12%.

????The nice thing about having a few billion dollars is the way it lets you ride out little bumps in the road like, for instance, a global economic calamity. While Americans’ average income has stagnated over the past few years, the uppermost tier of the 1% are doing pretty well. “Since the financial markets bottomed out in March 2009 following the financial crisis,” notes the WealthX report, “the total wealth of billionaires has more than doubled, to $6.5 trillion—more than the GDP of every country except the U.S. and China.”

????Recession? What recession?