向专业人士咨询退休储蓄
Find out how most Americans are doing with their retirement savings, 如果他们能应付自如的话, 以及他们对专业人士的要求.
我有足够的时间和金钱吗?
The dilemma of having enough time to save sufficiently to be able to enjoy retirement may be a concern. T在这里 are many unknowns since no one knows their exact lifespan or if they will have enough 退休储蓄. 你知道 你需要保存 但是有多少呢??
千禧一代 who begin their careers owing large student loans could have less in retirement savings than their debt-free peers. 根据 2019年退休信心调查 来自员工福利研究所, nearly six in ten workers without a retirement plan have less than $1,储蓄和投资. 随着退休的临近，如果还有现有的债务，那么 卫生保健 开支增加，退休计划可能会改变.
考虑财务目标从每一个开始 人生阶段 让你的退休目标可以实现. 增加你的 投资扫盲 能帮助你计划和做出明智的决定吗. 与专业人士合作, to truly understanding your situation and goals, may take some time as well.
向专业人士咨询退休计划
不管你的经验水平如何, it never hurts to get professional advice on how best to reach your financial goals. Many find they would prefer to rely on outside experts to monitor and manage their retirement savings plan. 专业人士可以帮助你看到大局, and they can offer advice to help you make choices along the way. 专业人士可以帮助你:
- Assess your financial goals, 时间范围 and tolerance or risk.
- Analyze the potential risks and rewards of various investments.
- Understand the value of a long-term investment perspective and diversified asset mix.
Not all professionals are equal, so when it comes time to seek out assistance find someone who:
- 倾听你的心声.
每个人都有独特的财务需求和目标. Your financial professional should be a partner on your investment journey. That means you'll need to find somebody who will take the time to listen to you and will help you prioritize your goals in a realistic way. They may even need to tell you things you don't want to hear, so make sure you find somebody you can trust to help you make the right decisions — and not just the easy ones. - 帮助你理解.
Two of the most important factors in the choices you make are the amount of time until you need to reach your investment goals, 被称为你的 时间范围, and the amount of risk you're willing to take on with your investments. These seemingly simple concepts can sometimes get complicated when you start getting into specifics. So, find a financial professional who will help you understand these and other factors important to investing, 然后会和你合作开发一个清晰的, 符合你需要的逻辑计划. - 有你需要的资源吗.
Your financial professional needs to have access to the right mix of products and services. A comprehensive strategy won't do you any good if you can't invest in the right products. Take a close look at the types of products and the fund families your financial professional can offer, 包括他们是否提供诸如 人寿pp王者电子官网 or 年金 除了…之外 共同基金. Their offerings should cover a broad and deep variety of investment options that offer 多样化 横跨一系列资产类别. You should also ask them about the fees on the funds they offer and how those match up with the rest of the industry. - 是长期的吗.
Long-term investing is about more than just setting up the right portfolio and watching it grow, 虽然这很重要. Look for a financial professional who also will be t在这里 for you when life changes or market fluctuations raise questions about the suitability of your strategy. Make sure the professional you choose is t在这里 to support you, 不仅仅是在你进行初始投资的时候, 但当不可避免的问题出现时.
