. different investors expected, the number of wealth and risk tolerance of the different sure. As investment advisers, it should do its utmost to different investors tailored different investment strategies. However, some large, the vast majority of investors will be more or less the same action. The following are 10 common law.

.. 1, live within our means

. this investment is the key to success. If you have a job, should be at least 10% of the pre-tax income into the bank. At present, you may be a good return on investment, but you can not substitute for a real pension plan. Only to develop good savings habits, only after ensuring that may be worry-free life.

. If you retire at home, then your additional investment amount should be lower than the previous amount of return on investment. In early retirement, I suggest you return on investment will be used for re-investment should have reservations about the financial situation so as not to be too much impact on inflation. After a period of time, you can earn to spend.

.. 2, insufficient attention being paid to the pension account

. if you on-the-job, no doubt, be a year to ensure that 401 (k) retirement plans and individual retirement accounts you have enough sources of funding. For most people, pension savings account is the best, because it not only enjoy preferential taxation, and also an obligation to your investment account.

. Of course, after retirement, your retirement account is no longer a new injection of funds. However, you can delay withdrawals indirectly, to enjoy additional revenue. "Federation of post-retirement face such a problem that requires money, where we only pocket money is more cost-effective? Of course, those who need to spend tax money in the account, pension account of tax incentives Money or keep live better. "Financial planner Ross. Levin (RossLevin) said.

.. 3, portfolio diversification

. In general, young people might want to high-tech stocks in emerging markets or more points under the Note, and the older people tend to be money invested in blue chips. However, a rational approach is to diversify your portfolio. " 'Young people can eggs in one basket,' This is a misunderstanding. You can take a proactive investment strategy, but the best foreign stocks, large stocks and small-cap stocks that have." This is a financial Planning Shizun that Lai-shan. Queen (JonathanKuhn).

. 4, the stock portfolio should account for at least half of the

. We usually encourage young people in the portfolio to maintain a high proportion of the shares, but now we encourage the elderly to do so. Especially for those who have retired more than 20 years older, the class of stock assets is essential. For these investors, stock investment will help avoid the low inflation lead to the decline in revenue savings, but also in the negative when the market from the stock market in a timely manner, can be called into to attack or retreat to observe.

.. 5, the investment should be noted that the overall Proceeds

. to any investor, is a truly meaningful investment portfolio as a whole after-tax income. In other words, the effect of the investment is good or bad depends on you to get the dividends, interest and the price of value-added and (of course, tax and investment costs to be deducted).

. this principle is particularly important for retirees. The value of such investors are often yield, but if a single rate of return is based on growth in the overall value of the portfolio has shrunk at the cost, it could cause dangerous consequences.

.. 6, the index fund in Shanghai China to build

. investment is always accompanied by risks. For example, poor return on investment, or as a result of a bad attitude in the market and the worst time, "resort." Even if the market is good, because it may be the wrong stock or fund in order to appear other people you are losing money.

. To this end, you might consider index funds to build in Shanghai China, to do so at least you can guarantee that the investment portfolio of some of the shares have always followed the market run, you make money market to make money.

.. 7, to avoid high-cost liabilities

. is the key to properly handle the issue of credit card overdraft (Otherwise, you spend each year to almost 18% of the money). We are often on hand at a time when tight credit card overdrafts, and often can not pay off overdraft in a timely manner, resulting in month after month to pay interest, resulting in liability costs are too high, this is the most stupid.

.. 8, to formulate a contingency plan

. you should keep in the bank on a sum of money, the money can be used to pay for repairs fireplace, dishwasher needed for a small extra-budgetary expenditure, but also to cope with change, such as the roof, such as medical treatment necessary Large sums of money.

. "The most important thing is not the cash itself, but a way to cash in a timely manner, including securities such as shares sold to the 401 (k) retirement plan to borrow money, set up margin accounts, and so on." Levin concluded .

.. 9, take into account the family, young and old

. home if there is not economically self-sustaining needs of your family members to provide financial support, you should make a plan for them, in order to avoid an accident when you (such as accidental disability, or death is involved in the case), they can not Normal life.

. "You have to formulate a set of emergency measures disability, life insurance plan should take into account the spouse, it is necessary for children to accept the University plans to provide economic security, and unfortunately involved in litigation to economically ready." Queen Said.

. 10, the organization plans to do a good job in property

. you may be the property of their situation clearly, but your spouse and children is very clear?

. In addition to the wills and other documents relating to property, as far as possible, you should make your property clearly well-organized plan. In this way, if you died or incapacity, their families will know what to do with your assets.

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