交作业了
Seven right financial steps for 2004
By Jonathan P. Decker | Correspondent of The Christian Science Monitor
It has been a great year for investors. The Dow and the Nasdaq both soared to levels not seen in more than 19 months. Fed Chairman Alan Greenspan kept interest rates at historically low levels. And the economy showed signs of resurgence.
It's anyone's guess where the financial markets are headed in 2004. But whatever happens, financial planners say, there are steps you can take around New Year's to whip your finances into shape. Of course, not everyone's financial situation is the same. And a "sit-down" with a planner may be in order, especially for those nearing retirement. Still, there are some resolutions anyone can make to increase the likelihood of a profitable 2004. Here are seven to get you started:
2004 年七大适时理财策略
乔纳森.P.戴克 | 基督教科学缄言报通讯记者
对于投资者来说过去的一年是收获颇丰的一年。道琼斯和纳斯达克指数飙升的水平是过去十九个多月中所没有的。美联储主席阿兰.格林斯潘将利息率保持在历史最低水平。同时经济也展现了复苏的迹象。
有人在猜测2004年理财市场走向。但是无论何去何从,理财策划人都认为在新的一年里要采取几种策略将你的财务打造成型。当然,不是每个人的财务情况都是一样的。
并且有一个策划人的现成计划可能已经井然有序了,特别是对于那些临近退休的人。但仍然有人能通过采取一些措施增加2004年获利的可能性。这里有七点措施来帮助你:
1. Get serious about saving
You may not know it, but there are several ways to sock away money for a rainy day. The most popular method is funding an Individual Retirement Account or IRA. Since 1997, investors have had two main types of IRAs from which to choose - a traditional IRA and a Roth. Both now allow a $3,000 individual contribution per year ($3,500 if you are 50 or older). But a Roth is taxed immediately and grows tax-free. Which type is right for you depends upon your situation.
1.关注储蓄
你可以不知道储蓄,但是要有几种方法来未雨绸缪。最普遍的方法就是投资个人退休帐户。自从1997年,投资者有两个主要个人退休帐户形式可供选择,一个是传统IRA帐户另一种是Roth IRA帐户。两者都要求每年存入3000美元(五十岁及以上者是3500美元)。但是所不同的是存入Roth IRA帐户的是税后收入而日后该帐户增值则是免税的。哪一种帐户对于你更合适取决于你的经济情况。
"I prefer the Roth for most of my clients who are in their 30s and 40s," says Annette Simon, a financial planner in Rockville, Md. "For them, it's a matter of a little tax savings now with a regular IRA versus a lot of tax savings later with a Roth."
“对于大多数年龄在三十到四十岁之间的客户,我更倾向Roth帐户”,安妮特.西蒙---一位在马里兰州洛克威尔工作的理财策划人说,“对于这些客户而言,其实就是在现时低税的传统IRA帐户和现在高税而未来免税Roth IRA帐户之间权衡。”
Not every financial planner agrees. "The Roth is a promise of a future benefit," says Ric Edelman of Edelman Financial Services in Fairfax, Va. "I'd rather take the benefit now than the promise of a benefit in the future. I just don't trust the Congress to leave things unchanged."
并不是每个理财策划人都同意上面的观点。弗吉尼亚州富尔法克斯市爱得曼财务服务社的理查得.爱得曼说“Roth是一种对未来利益的承诺,相比较我更喜欢现时的利益。因为我实在不能确信将来国会不会改变现在的个人退休帐户政策”。
Of course, there's another popular savings vehicle: the 401(k) and similar employee-retirement plans. "These tax-deferred retirement plans are a great way to increase your savings - especially if there is a company match," says Gary Ambrose, a financial planner with Personal Capital Management in New York City. "You should take advantage of any opportunities to increase your tax-deferred income."
当然,还有其他普遍的储蓄手段:401(k)计划和类似的雇员退休计划。在纽约市个人理财机构叫加里.艾姆布鲁斯的理财策划人认为“这些延税的退休计划是一条增加储蓄的主要途径,特别是在有一个公司配合运作的时候,你应该利用一切机会增加你延税收入。”
2. Diversify your portfolio
Determining a proper mix of investments depends entirely on how conservative or aggressive you are and, especially, how close you are to retirement.
"We are all unique and we need to make decisions based on our own circumstance," says Joel Ticknor, a certified financial planner in Reston, Va. "But by diversifying your portfolio as widely as possible, it's the best way of dealing with the unknown."
2.多元化你的投资组合
确定一个适当的投资组合完全依赖于你的态度是保守还是激进,尤其是你离退休还有多近。“我们每一个人的情况都是独一无二的,我们需要根据我们自己的环境来作出自己的决定,但是通过尽可能拓宽多元化的投资项目,是处理未知风险的最佳途径”,约耳.提克诺---弗吉尼亚州瑞斯顿的一位注册理财策划人这样说。
If you're not certain how to allocate your money between stocks, bonds, and cash, many fund companies and retirement-plan sponsors have online questionnaires to help determine those ratios. Or try the Security Industry Association's investor website ( www.siainvestor.org ).
Once you determine the proper mix, you can take a closer look at your investments. For those who rely on mutual funds, the first of the year is an appropriate time to do this because funds will be reporting their year-end results.
如果你无法确定怎样在股票、债券、现金之间分配你的钱,许多投资公司和退休计划发起人都有在线调查表来帮助你确定这些比率。或者在保险业联合会的投资者网站也有(www.siainvestor.org)。
一旦你决定适合的组合,你要近一步关注你的投资。对于那些依赖共同基金的人,一年中首要的就是在一个恰当的时机关注投资结果因为这些基金将公告他们年终报告。
For tax reasons, make changes to your holdings after Jan. 1. Do so before the end of the year and you risk having to pay capital-gains taxes on distributions a fund made earlier in the year. Shareholders of record at the end of the year can still be liable for those taxes. But this doesn't apply to retirement accounts, where taxes are deferred until you withdraw money.
出于税收原因,在一月一日之后不久就对你的投资组合进行调整。快到年终时这样做,你要冒交纳这一年中早些时候分红所应缴资本利得税的风险。因为在年终登记的股东仍然要对这些税收负责。但是这不适用退休帐户,这些退休帐户的税金会推迟到你撤回资金的时候才交纳。
3. Refinance your mortgage
This is the third consecutive year that most financial-resolution lists have included this advice. Mortgage rates, although up from record lows in June, remain at historically low levels. Refinancing a 30-year mortgage in which you're paying above 6.5 percent could save you a few hundred dollars per month and thousands of dollars over the course of the loan. The Federal Reserve has hinted that rates will remain low for the foreseeable future - at least until the threat of recession recedes and there is steady job growth in the US economy.
3.抵押贷款筹资
大多数理财方案都包括这一建议这已是连续第三年了。尽管抵押利率就六月的低水平而言有所上涨,但仍然保持着历史性的低水平。办理一期三十年的抵押贷款你只需付略高于6.5%的利息,如此以来每月你可以节省几百美元而整个贷款其间你可以节省数以千计的美元。联邦储备委员会已经暗示抵押贷款利率在可预见的将来保持低水平,至少也要保持到美国经济衰退的威胁消失并且有了稳定就业增长的时候。
"Interest rates should remain unchanged through the middle of next year, but they can't remain this low forever," says Kevin McCormally, editorial director of Kiplinger's Personal Finance Magazine. "Homeowners should take advantage of this great opportunity to refinance as it may not come around again for a long time."
Refinancing is not always a good idea, however. Remember, refinancing will probably extend the term of your loan. So if you are 25 years into a 30-year mortgage, refinancing makes little sense. Also, if you plan to sell your home within two years, the closing costs associated with refinancing may not make the move worthwhile.
吉卜林个人理财杂志的主编凯文.麦考麦利说:“利息率应该保持不变到明年年中,但是他们不可能永远保持这样低水平,家产所有者应该利用这个良机筹措资金因为这样的机会以后很长时间都不会再有了。
然而筹资并非总是好主意。记住,筹资可能延长你的贷款期间。因此如果你由25年抵押变成了30年抵押,这样的筹资造成不了什么影响。同样情况,要是你计划在两年内出售你的家产,终结抵押贷款的成本就会使你的处置不划算了。
[此贴子已经被作者于2005-4-5 21:09:11编辑过]
|