2013年,教你6条聪明的理财省钱建议课件.docVIP

2013 年，教你 6条聪明的理财省钱建议 Most financial-planning advice, like most New Years resolutions, is too complex or too banal. 大多数财务规划建议就像大多数新年许愿一样，不是太复杂就是太平庸。 Half of it is designed for Type-A drill sergeants who already alphabetize their refrigerators. The other half youve heard before. 一半的建议是专为具有 A 型人格的军事操练教官设计的，这些人已经按字母顺序给冰箱里 的食物排好了序。另一半你已经听说过了。 Lets assume you are already paying off your credit cards, contributing to your 401(k) at work and flossing after every meal. 让我们假设你已经还清了信用卡债务，缴纳了养老保险，每次用餐后都用牙线清洁了牙缝。 Here are six unusual, and doable, smart money moves for the new year. 以下是为来年准备的六条虽不寻常但却可行的聪明理财建议。 1. Work out your biggest savings goal. 1. 弄清你的最大储蓄目标 Many people working today are likely to live for three decades after they become eligible for Social Security, but few of them have a clue what that means financially. 目前还在工作的人在他们有资格领取社会保障金之后还有可能再活 30 年，但他们中很少有 人明白这在经济上意味着什么。 Just 42% of working-age Americans have even tried to calculate what they will need in retirement, according to the Employee Benefit Research Institute, a Washington, D.C.-based think tank. 华盛顿智库员工福利研究所 (Employee Benefit Research Institute) 说， 处于工作年龄的美 国人仅有 42% 曾经尝试过计算退休后需要多少钱。 The grim reality: 60% of them have less than $25,000 saved up, excluding the value of their home, and 30% have less than $1,000. Good luck with that. 严峻的现实是： 其中60% 的人储蓄不到 2.5 万美元（不含房屋价值） ，30% 的人储蓄不到 1,000 美元。祝你好运。 How much will you need? To replace your current income for 30 years, you would need -- assuming an investment return of three percentage points above inflation -- about 20 times one years income. Social Security aims to replace about 40% of your annual income: By that yardstick you would need to save about 12 times your annual income before you retire. 你需要多少钱养老？按照你目前的收入水平，退休后再活 30 年，你需要的资金大概是一年 收入的 20倍（假设投资收益率比通胀率高三个百分点） 。社会保障金大致相当于你年收入的 40% 。按照这一标准衡量，你在退休前的储蓄量应该约为你年收入的 12 倍。 For a more precise number, use the Social Security Administrations retirement estimator. Subtract your expected annual benefit from your curren