主页 > 区块链冷钱包 > imtoken钱包最新版_跟着华尔街学习如何挣钱:年龄不同投资策略不

imtoken钱包最新版_跟着华尔街学习如何挣钱:年龄不同投资策略不

管理员 区块链冷钱包 2022年09月10日

  路易斯安那州Williams Financial Advisers的威廉姆斯说,“在这种情况下, imtoken钱包官网下载,重要的是清楚你目前的状况,不要再去想你在2007年时的情况”。

  他还提醒,只能从那些财务状况良好、信用评级可靠的公司购买年金。

  Portfolio choices, especially among retirees, should be made from a stance of prudence and common sense.

  随着你的退休年龄越来越近,你希望这些年来积攒的资金能够保值。问题是,其中的许多资金在过去两年市场的下行中都已经损失了。

  "People need to save money outside of their retirement account," says Mr. Medley. "And as elementary as it may seem, an automatic plan works well for most people."

  40~55岁

  "Annuities can play a very strong role, because a lot of them carry guaranteed income," says Mr. Bonhard... Having those guarantees makes it easier to take a little additional risk with the rest of your assets. But you do pay something to get those guarantees, and you have to watch that closely."

  55 and Over

  If you are under 40, consider yourself lucky. Two things are working in your favor. First, time-if you have enough of it-can heal wounds. The stock market will eventually recover and grow. Second, by saving early-which you should definitely be doing-you get the benefit of compounding, wherein early gains are built upon.

  Having enough is more important than having more," says Mr. Bonhard. "If you've reached enough, you don't want to be gambling for more."

  最近的调查显示,这部分人首先考虑的是退休安全。

  Figuring out how to deal with your retirement portfolio depends on where you are in your life. Time is perhaps the most important element in building or rebuilding a portfolio. That's one reason we're breaking down this nest-egg analysis into age groupings, aiming to give people some ideas that suit their current situation.

  应当从审慎和常识的立场出发来选择投资组织,尤其是退休人员。

  "What's important in this case is recognizing where you are right now and not trying to think about where you were in 2007," says Tommy Williams of Williams Financial Advisers in Shreveport, La.

  此外,鉴于你长线投资的战略,股价的下跌是一个机会。像巴菲特这样出色的长线投资者认为,即使是在最近主要股指都有所反弹之后,美国股价仍相对较低。

  "For younger people, the best place to be is in well-selected stock mutual funds," Mr. Medley says.

  Once you enter this age range, you are starting to move from the aggressive stance of your youth to something a bit more measured. At the same time, you are entering a very important savings period since you likely are at the height of your earning power.

  近几个月来,股市出现了反弹,但自2007年股市见顶以来,我们大部分储蓄仍损失惨重。

  "First, people have reacted to the market downturn by reducing the amount of money they' re saving and investing," says Mark Bonhard, an investment adviser with Dawson Wealth Management in Cleveland. "Second, they've started changing their strategy without good reason. All that does is lock in the losses and prevent a chance to recover."

  You also want to take a long view of the investment arena. A lot of growth in coming years is expected to come from overseas, especially in emerging markets. Tim Medley of Medley & Brown Financial Advisers in Ridgeland, Miss. says, "clients should have at least 35% of their stock holdings in non-U.S. stock funds".

  麦德利说,“对于较年轻的人来说,最佳的投资目标是精选的股票共同基金”。

  40 to 55

  考虑到股市仍处于相对低的水平,而且一些人还需要重建以前的投资组合,因此一些咨询师建议调整投资组合的成分,通过低成本股市指数共同基金来实现更高的股市敞口。

  伯恩哈德说,“年金扮演着非常重要的角色,因为许多年金都会保障收入。有了这些保障,其他的资产冒点风险问题也会太大。但你得有所付出才能获得这些保障,而且必须密切关注”。

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