Sande Taylor is with investment company Charles Schwab in south Florida. She advises investors every day. She says many investors have a personal style. There are conservative investors.
SANDE TAYLOR: “A conservative investor by definition typically has eighty percent of their portfolio within fixed income markets and cash.”
Even in retirement, Sande Taylor says, some people have their entire financial portfolio, or set of investments, in stocks. They are the aggressive investors.
In saving for retirement, there can be a difference between what people believe and what they actually do.
In a recent Charles Schwab study, most Americans said they believe it would be easier to save for retirement if they were single. But the study found that eighty-five percent of married people had started saving, while only two thirds of singles had.
Sande Taylor says younger people may seek short term goals.
SANDE TAYLOR: “The younger individuals look at it and think, ‘Well retirement is so far away, I’d rather focus on my shorter term goals.’”
But she says there are big gains to be made by starting early and planning for the future.
SANDE TAYLOR: “If you start in your twenties, you have the ability to actually contribute less per contribution, and achieve a higher longer term goal because that money is compounding over a longer period of time.”
The important thing, says Sande Taylor, is to identify your retirement goals and lifestyle. That means realistically planning for how much you will spend. Ms. Taylor advises people to expect to have eighty-five percent of the expenses they had when they were working. And, she says, healthcare costs should be a major consideration.
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2013-11-25
2013-11-25
2013-11-25
2013-11-25
2013-11-25
2013-11-25