觉得自己没有足够的钱为退休存钱?史密斯建议,跟踪你过去一个月中的消费习惯,努力找出其中可存入401(k)账户的2%的花销。
Get an insurance checkup: One way to save money on premiums is to package most of your insurance coverage (home, auto, valuables) under one carrier, says Robert Courtemanche, chairman of ACE Private Risk Services. If your home has risen in value, have it appraised so you'll know the full replacement value.
检验保险计划: ACE Private Risk Services的董事长罗伯特・库特芒希(Robert Courtemanche)称,一个节省保费的方法是将大部分保险项目(房产、汽车、贵重物品)一并转到同一家保险公司。如果你的房产已经升值,可请人进行评估以了解完整的重置价值。
Review your portfolio: With the sharp run-up in the stock market this year, equities likely make up a much larger portion of your portfolio than they did before the rally. Adjusting your stock allocation is critical, if only to reduce your exposure to a future downturn.
审视你的投资组合:由于股市在2013年大幅上涨,股票在你的投资组合中所占的比例可能比股市上涨前高出很多。调整你的股票配置非常关键,哪怕只是为了减少你对未来衰退的风险敞口。
'You just want to make sure that your asset allocation is appropriate for your age and your personal goals,' says Ms. Pratt. Generally speaking, the older are, the less of your portfolio you want in stocks.
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