Learning to set investment goals is one of the most important things you can do as a new investor because it helps you keep track of where you have been, where you are, and where you are going as it pertains to your personal finances and your journey to financial independence.
作为一名投资新手,学会设定投资目标是你能做的最重要的事情之一,因为这有助于你追踪去过哪里、现在在哪里以及将来会去哪里,这关系到你的个人财务状况和你通往财务自由之旅。
Here are the first 5 questions you need to ask yourself when setting investment goals for financial independence.
以下是在设定财务独立性的投资目标时你首先需要问自己的5个问题:
1.What is "your number"?
“你的数字”是多少?
In order to reach financial independence from your portfolio, how much monthly passive income would it require if you were to withdraw no more than 3 percent to 4 percent of the principal value each year?
为了从你的投资组合中实现财务独立,如果你每年提取不超过本金价值的3%到4%,每月需要多少被动收入?
That is the amount of money it would take if you wanted to live off your capital without having to sell your time to someone else while enjoying your desired standard of living.
这就是如果你想要靠自己的资本生活,而且是在没有把时间卖给别人的同时享受你想要的生活水平时所需要的金额。
2.What is your risk tolerance?
你的风险承受能力如何?
No matter how successful you are or how much money you amass, some people are wired in a way that fluctuations in their portfolio's market value leads to enormous levels of emotional misery.
无论多么成功或积攒了多少钱,有些人总会因为他们投资组合市场价值的波动而导致巨大的情绪痛苦。
They'd rather end up with less money in the future, and enjoy a lower rate of compounding, but have a smoother ride.
他们宁愿将来少赚一点钱,享受更低的复利率,但是生活更平稳。
Learning to be honest with yourself about where you fall on that spectrum is a big part of fiscal maturity. For example, though it can put you at a significant disadvantage under most circumstances, you don't have to own stocks to build wealth.
学会诚实地面对自己的处境是财务成熟的重要组成部分。例如,虽然在大多数情况下,低风险的理财方式可能使你处于明显的劣势,但你不必因为通过持有股票来积累财富而胆战心惊。
3.How do your moral and ethical values influence your portfolio management strategy?
你的道德和伦理价值观如何影响你的投资组合管理战略?
Do you plan on spending all of your capital during your lifetime or do you desire to leave behind a financial legacy for your heirs and beneficiaries?
你是打算在有生之年花掉所有的财产,还是想为你的继承人和受益人留下一笔遗产?
If you spend through your capital, it means you'll be able to enjoy a higher withdrawal rate than you could support otherwise.
如果你把你所有的资金都用在理财上,这意味着你可以享受比你能所需的更高的提现率。
If you don't, you'll get to take a small cut of the stream of passive income from your holdings but the principal should grow over time, provided it is prudently managed, serving as what effectively amounts to an endowment.
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