Expect ups and downs. Annoyed by three straight years of stock market declines, many people have been shifting to lower-risk investments. But just as taking too much risk can hurt your portfolio’s(投资组合)growth rate, so can hiding out in excessive safe investments. Do consider investing in funds that you’ll hold on to for more than a year. Under the new tax law, long-term capital gains are taxed at a maximum of 15%, down from 20%. Do look at stock funds that pay dividends (红利). Dividends on stocks used to be taxed at your personal income tax rate. Under the new law, they are now taxed at no more than 15%. Investing in these funds will not only hold down taxes but also sustain your portfolio’s value in tough times.
Forget high fees. Over the next ten years, achieving the kind of double-digit returns we experienced over the past 20 years will be much harder. In the 1990s, the average rate of returns for a portfolio allocated 60% to stocks and 40% to bonds was 13.2% after taxes and transaction expenses. Over the coming decade, this rate is expected to be closer to 5.5%. Don’t pay unnecessarily high investment costs and fees. For example, if you can save half a percentage point on your fund expense ratio(the fee that funds charge you each year to manage your money), your average investment return could be 6% instead of 5%.
How to manage your money
Introduction to the topic** ●Many people become passive investors fox 1_______ that they make mistakes and suffer a loss of more money.
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