《金融专业英语》课件-Chapter-10--Personal-Finance.pptVIP

10.4 Personal Finance Rules Saving or investing a set portion of your income Long-term investing / Investing in riskier assets Saving or investing a set portion of your income （将收入的一部分储蓄或者投资） The general rule of saving a given amount each period for your retirement may not be the best choice for young people just getting started in the real world. For one, many young adults and students need to think about paying for the biggest expenses of their lifetime, such as a new car, home, or post-secondary education. Additionally, saving for retirement doesnt make a whole lot of sense if you have credit cards or interest bearing loans that need to be paid off. 年轻投资者在每个时期为退休储蓄一定数额可能不是最佳选择。 Long-term investing / Investing in riskier assets （长期投资/投资风险更高的资产） Since young investors have such a long investment time horizon, they should be investing in higher-risk ventures, since they have the rest of their lives to recover from any losses they may suffer. 年轻投资者投资期限长，应该投资于风险较高的企业，因为他们余生都可以从可能遭受的损失中恢复过来。 10.5 Pension Plan Two main types Pension plan: advantages and disadvantages A pension plan is a retirement plan that requires an employer to make contributions to a pool of funds set aside for a workers future benefit. The pool of funds is invested on the employees behalf, and the earnings on the investments generate income to the worker upon retirement.雇主为员工未来的福利提供资金，投资收益在员工退休时产生收入 Two main types A defined-benefit plan （固定收益养老金计划） The employer guarantees that the employee receives a definite amount of benefit upon retirement, regardless of the performance of the underlying investment pool. 雇主保证雇员退休后获得一定数额福利，而不管投资组合表现如何 A defined-contribution plan（固定缴款养老金计划） The employer makes specific plan contributions for the worker, usually matching to varying degrees the contributions made by the employees. The final benefit received by the employee depends on the plan‘s investment performance. 雇主为雇员作出特定的计划缴款，员工最终获得的收益取决于该计划的投资业绩 The pay-as-you-go pension plan 现收现付养