随着人们生活水平的提高，收入的增高，越来越多的人不满足于仅仅把钱放到银行靠那点微薄的利息来增加自己的投资收入。如何进行理财规划呢？【妙招大看台】教你妙招！






听写方式：只听写划线部分。
小贴士：听写完后别忘了看翻译部分重点词汇讲解哦。



How to Plan for Your Financial Future?

Planning for your financial future doesn’t have to be intimidating. Here are some simple steps to build lifelong income.
You will need: a plan, objective advice, a diversified portfolio, income you can't outlive and low-fee investments.

Step 1:
Have a plan. It’s never too early — or too late — to create a road map for your financial future. __________

Seek advice from a retirement-planning specialist who is objective. You want to be sure that any recommendations are based on your best interests, not theirs.

Step 2:
Spread your money among different types of investments, like stocks, bonds, real estate, and money market accounts. __________

Step 3:
One goal of saving for retirement is to replace the income you earned when you were working. Consider buying a low-cost annuity: a lifetime annuity can provide guaranteed monthly income for the rest of your life — no matter how long you live.

If your employer offers a low-cost annuity in your retirement plan, consider investing in it now.

Step 4:
Get the most value out of your plan. Look for low-fee investments; even small charges add up and can dent your money’s ability to grow. __________

Step 5:
Maximize your savings by taking advantage of any workplace perks, like a 401(k) that offers matching contributions from your employer, or programs that give you tax breaks for putting away money for things like education and retirement health care.

If your employer offers matching contributions, try to save at least enough to be eligible for the match. It’s a risk-free way to double your contributions.

Step 6:
Don’t worry if you can’t put all of these strategies to use right now; the most important thing is to save. __________

Did you know? A 30-year old saving approximately $250 a month can build a $350,000 nest egg by age 65. It takes a 50-year old saving more than $1,200 per month to achieve the same goal.



订阅后能看到列表，还能及时收到更新通知哦~
Whether you want to save for your first home, your child's college education, or retirement, when you have a plan in place, you're better positioned to weather the ups and downs of the market and make more informed decisions. Different types of investments tend to rise and fall at different times; so if one area loses value, your entire portfolio won't suffer. And take advantage of any free financial services offered by your current employer, like financial education seminars or consultants that can help you review and plan for your financial goals. The earlier you start, the more time you have for your money to work for you.
portfolio n.投资组合；文件夹 dent v.伤害 perk n.额外收入，福利，津贴 tax break 赋税减免，税额优惠 risk-free a.无风险的 nest egg 储蓄金，储蓄，备用金