Your Wealth

財力彈性與投資

投資:與其說是一門科學,不如說是一門藝術,即在您的風險忍受能力和承受能力以及您想要的投資結果之間取得一種不一般的平衡。 我們希望您覺得這個簡短的概要是一個實用的「敲門磚」,當然,如果您想進一步瞭解,尤其針對自己的需求,那麼歡迎您瀏覽我們網站上的會員名冊,尋找您家附近的一位投資顧問。 一個精心設計的投資組合可以成為一個強大的工具,為投資者創造財富和財力彈性,當然也為其想象中的退休生活提供養老本錢,具備財力保障,享受生活。 如果您現在邁出投資的第一步,那麼花點時間思考下面的信息。 投資:個性化 與生活中的其他事情一樣,所有的投資都毫無例外的帶著風險,即使是人們習慣於認為「比較安全」的定期投資,從長期的角度看,也可能收益低於預期,原因可能是通貨膨脹和稅。所以,在您一頭扎進去選擇何種投資前,先弄明白自己是哪類型投資者。 瞭解自己的忍受力和承受力 投資就像一次旅程,經歷跌宕起伏。投資者要做的第一件事是充分並真實地瞭解自己的風險忍受力,就是對行情的起伏和投資的損失有多大的忍受力。 以對自己的瞭解來看,您對投資的上下起伏怎樣反應?如果市場轉向,會帶給您無法控制的焦慮嗎?還是能夠從容應對?與錢一樣,投資決策既是財務上的、又是情感上的,所以瞭解自己的風險忍受力極其重要,可以幫助您選擇和管理投資類型和組合,滿足您的個人需求。 投資者要做的第二件事是瞭解自己的風險承受力,即自己的財力狀況,可以承受多大的損失。如果您的財力大,那麼您對風險的承受力就大一些,可以接受的損失也多一些。與此相反,若您的財力小,任何損失都影響您所計劃的,那麼您對風險的承受力就偏低。儘管這種情形不一定發生,但是重要的是對「萬一」有所準備。 忍受力、承受力和預期回報三者之間相輔相成,低承受力加上高忍受力,如果管理不善,可能遭殃;另一個極端是高承受力加上低忍受力,可能失去潛在的高回報。 您的平衡技巧如何?思考一下這些問題: 長期投資中的跌宕起伏,我能夠接受多少? 投資回報多少才達到我想要的目標?投資在創造財力保障 – 為我的目標和退休方面起什麼作用? 我可以承受多大的損失?如果我的投資沒有達到我計劃的目標,對我的財力保障和生活目標有什麼影響? 我的投資時間有多長?是否可以承受短期的波動?還是我的投資時長不足以承受更高的風險? 最佳的投資組合 一旦您弄清楚自己對風險的忍受力和承受力,您就可以嘗試不同的投資組合方案,現金、債券、地產和股票的比率(即人們常說的資產配置)。 想進一步瞭解嗎?請咨詢投資顧問,他們將幫助您弄清楚您的投資個性,提供滿足您需求的資產配置,並按分散原則來管理風險。 Translated by Huirong...

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Financial Resilience & Investment

Investment: it’s more of an art than a science. It’s about striking a balance between your tolerance and capacity for risk, and what you want to achieve. We hope you find this quick summary a useful ‘thought-starter’. And of course, if you’d like to have a more detailed conversation specific to your personal needs, we welcome you to browse our member directory for an investment adviser near you. A well-designed investment portfolio can be a strong tool in creating personal wealth, financial resilience and of course, that nestegg to power the after-work life you’ve imagined and the financial security...

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Constantly checking your KiwiSaver may harm your long-term goals

Have you transferred your KiwiSaver money to the bank, and now you can’t help but constantly check your balance online, day in and day out? Sure, getting an eagle-eye view of your finances in one place seems like a no-brainer, but is it really as beneficial as it sounds? We’re advocates of financial transparency, but here are few things to think about if you’re constantly checking your KiwiSaver balance. Short-term ups and downs It’s important not to read too much into the short-term swings of the markets. Markets fluctuate and change rapidly, but remember, KiwiSaver is a long-term investment....

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Some Perspective on Investing Advice

How should I invest the money I’ve just received? A Saturday night question over a few drinks with an expection of some meaningful guidance from an investment adviser ignores a number of important considerations. Here we take a look at some of the factors which go into providing investment advice.

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Now & Then

There are those people who save nothing, live paycheck-to-paycheck and never plan ahead for their future financial well-being. And then there are those people who are frugal to a fault and never spend any money or enjoy themselves.

For the rest of us, we are constantly trying to strike a balance between enjoying life now and ensuring we have the resources to enjoy life later.

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