華爾街的賺錢經(jīng) 第17期:年齡不同 投資策略不同(2)

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All that does is lock in the losses and prevent a chance to recover."

所有這些都鎖定了損失，阻止了復(fù)蘇的機(jī)會(huì)”。

In order to boost savings during this critical time, Mr. Medley encourages clients in this age range to set up automatic savings plans

為了在這樣的關(guān)鍵時(shí)期提高存款額，麥德利鼓勵(lì)這個(gè)年齡段的客戶設(shè)置自動(dòng)存款計(jì)劃，

that direct a portion of their paychecks into an investment account at a firm like Charles Schwab or Fidelity Investments, where it can be invested in stock mutual funds.

直接將部分工資轉(zhuǎn)到嘉信理財(cái)或富達(dá)投資等機(jī)構(gòu)的投資賬戶中，從中可以投資股票共同基金。

"People need to save money outside of their retirement account," says Mr. Medley. "And as elementary as it may seem, an automatic plan works well for most people."

麥穗利說，“人們需要在他們的退休賬戶之外另行存錢。自動(dòng)計(jì)劃實(shí)際上也很簡單，適合于大多數(shù)人”。

55 and Over

55或55歲以上

As you get closer to your retirement years, you want to hold onto the capital you've built up over time.

隨著你的退休年齡越來越近，你希望這些年來積攢的資金能夠保值。

Trouble is, a lot of that capital has gone away in the market downdraft of the past two years.

問題是，其中的許多資金在過去兩年市場的下行中都已經(jīng)損失了。

"What's important in this case is recognizing where you are right now and not trying to think about where you were in 2007,"

“在這種情況下，重要的是清楚你目前的狀況，不要再去想你在2007年時(shí)的情況”。

says Tommy Williams of Williams Financial Advisers in Shreveport, La.

路易斯安那州Williams Financial Advisers的威廉姆斯說，

According to recent surveys, retirement security is first and foremost on the minds of people in this group.

最近的調(diào)查顯示，這部分人首先考慮的是退休安全。

One strategy is to consider the minimum amount of income you require on an annual basis and then see if there's a low-cost annuity

一個(gè)策略是，想想你每年所需的最低收入是多少，然后看看有沒有低成本的年金，

that promises to pay at least that amount for life.

可以承諾終生支付至少這個(gè)數(shù)目。

"Annuities can play a very strong role, because a lot of them carry guaranteed income," says Mr. Bonhard...

伯恩哈德說，“年金扮演著非常重要的角色，因?yàn)樵S多年金都會(huì)保障收入。

Having those guarantees makes it easier to take a little additional risk with the rest of your assets.

有了這些保障，其他的資產(chǎn)冒點(diǎn)風(fēng)險(xiǎn)問題也會(huì)太大。

But you do pay something to get those guarantees, and you have to watch that closely."

但你得有所付出才能獲得這些保障，而且必須密切關(guān)注”。

Given the stock market's still relatively low level and, for some folks, a need to rebuild a broken portfolio,

考慮到股市仍處于相對(duì)低的水平，而且一些人還需要重建以前的投資組合，

some advisers recommend tweaking your portfolio mix to have a bit more stock-market exposure via low-cost stock-index mutual funds.

因此一些咨詢師建議調(diào)整投資組合的成分，通過低成本股市指數(shù)共同基金來實(shí)現(xiàn)更高的股市敞口。

Portfolio choices, especially among retirees, should be made from a stance of prudence and common sense.

應(yīng)當(dāng)從審慎和常識(shí)的立場出發(fā)來選擇投資組織，尤其是退休人員。

Having enough is more important than having more," says Mr. Bonhard. "If you've reached enough, you don't want to be gambling for more."

伯恩哈德說，“知足比多多益善更重要，如果已經(jīng)夠了，就不應(yīng)該冒險(xiǎn)想再多撈點(diǎn)。”

He cautions that you should purchase annuities only from companies with a strong financial position and solid credit ratings.

他還提醒，只能從那些財(cái)務(wù)狀況良好、信用評(píng)級(jí)可靠的公司購買年金。