投资专家们自己如何理财-.docVIP

投资专家们自己如何理财? Scott Kays just celebrated his 50th birthday and, like most people his age, is juggling career, family, mortgage payments, and other facts of daily life. He also makes sure that his investments and retirement goals are on track, and volunteers at his church and in his community. Many people in Mr. Kayss situation would hire a financial adviser to tell them where to put their money and how to handle savings, investments, taxes and household expenses to secure their financial future. But Mr. Kays is a chartered financial analyst. He started his Atlanta-based investment-management business 25 years ago and now directs about $140 million of his clients wealth. Over the years, he has seen just about everything the financial markets can dish out. Its his job to strategize with clients and counsel them. So how do Mr. Kays and his wife, Lisa, oversee their own financial responsibilities, which include caring for six children ranging in age from six to 22? With clear priorities, patience, and long-term plans that center around stocks, savings, controlling expenses, avoiding debt, and sharing with those less fortunate. I still stay primarily equity-oriented, says Mr. Kays. We save a pretty high percentage of our income that has approached 20%; charitable giving is important, and we do things to keep our expenses low. Not everyone can achieve such a financial balance, of course, and indeed, the Kays family came to it the hard way. I dont like financial pressure, he says. I dont ever want to put myself under financial pressure. Ive been there before and its a horrible feeling. Accordingly, Mr. Kays keeps his money matters simple. He wants to be financially independent by age 65, which is why almost all of his retirement portfolio is given to individual stocks, stock mutual funds and exchange-traded funds, and alternative, hedge-fund-like investments. Money that weve got in equity-type investments is longer-term money, he says. I still have a tremendous amount of c