普拉特说:“你要确保你的资产配置是适合你的年龄和个人目标的。”一般说来,年纪越大,你的资产组合股票的比例就应该越少。
'Make sure you're taking into account your age, your risk aversion, your personal goals [and] alternatives if you don't make those goals. Will you have to wait longer to retire?' She warns against actively managed funds, which charge relatively high fees, in favor of low-cost index funds. And if you're not an experienced investor, she says, stay away from day trading.
她说:“要确保考虑到了你的年龄、你的风险偏好、个人目标以及那些目标没有达成时的替代计划。你要想想自己是否得再等一段时间才能退休?”普拉特青睐成本低的指数基金,并提醒大家要小心费用相对较高的积极管理型基金。她还说,如果你不是一个经验丰富的投资者,就要避开日间交易。
Create an emergency fund: According to a 2017 Bankrate.com survey, 28% of Americans have no emergency savings for events like a car breaking down, an unexpected house repair or a job loss. Finicity's Mr. Smith advises a fund equal to three months of living expenses.
设立应急基金:投资理财网站银率网(Bankrate.com)2017年的调查显示,28%的美国人没有应对汽车出故障、房子突然需要修缮或失业的应急储蓄。Finicity的史密斯建议要备好一笔相当于三个月生活开支的基金。
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