Yuav ua li cas thiaj nrhiav tau tus kws pab tswv yim nyiaj txiag zoo rau koj.
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Lus Nug: Kuv ib txwm yog tus thawj coj ua lag luam, txawm hais tias kuv tau nrhiav tswv yim los ntawm lub sijhawm. Kuv nyiam mus rau ntau lub kaus mom me me uas pheej hmoo nrog rau lub hauv paus ntawm Google, Amazon thiab Apple, ntxiv rau qee qhov ETFs. Thiab feem ntau tau ua tiav zoo, so haujlwm thaum muaj hnub nyoog 58. Kuv muaj txog 25% hauv qee lub tuam txhab beta me me feem ntau los ntawm Motley Fool cov lus pom zoo. Kuv kuj muaj 20% nyiaj ntsuab, uas tsis thab kuv ntau dhau, tab sis nrog kev nce nqi siab uas cuam tshuam kuv me ntsis. Tam sim no kuv muaj 65 xyoo thiab ib nrab so haujlwm, khwv tau nyiaj me ntsis raws li tus kws kos duab ywj pheej thiab ua suab paj nruag. (Xav nrhiav tus kws pab tswv yim nyiaj txiag thiab? Koj tuaj yeem siv cov cuab yeej no kom tau txais kev sib tw nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.)
Kuv xav kom tau txais kev kuaj xyuas / qhov kev xav thib ob ib zaug lossis ob zaug hauv ib xyoos yam tsis tau them tus kws pab tswv yim tus nqi txuas ntxiv raws li cov khoom muaj nqis. Nrog cov ntaub ntawv sib xyaw ua ke ntawm kwv yees li $ 1.8 lab, Kuv ntxub lub tswv yim ntawm kev them 1% lossis $ 18,000 rau tus kws tshaj lij tus nqi siab los ntsaws kuv qhov hloov pauv mus rau hauv ib qho app thiab ntuav tawm cov khoom vaj khoom tsev algorithmic hnav khaub ncaws raws li kev cai nyiaj txiag. Hloov chaw, kuv xav them ib teev lossis tus nqi ncaj qha rau cov lus qhia tshwj xeeb ntawm yuav ua li cas ntxiv dag zog rau kuv txoj haujlwm nyiaj txiag. Cov lus qhia txog yuav ua li cas thiaj nrhiav tau tus kws pab tswv yim sib haum tau txais tos.
teb: Pab kev zoo siab rau koj txoj kev vam meej raws li tus kheej-directed investor! Thiab koj hais yog lawm, nws yuav nkim koj lub sijhawm thiab nyiaj txiag kom muaj tus kws pab tswv yim nyiaj txiag sau koj cov ntaub ntawv, ntsaws rau hauv cov lej thiab nyeem koj cov lus xaus. "Nws zoo li koj tab tom nrhiav ib tus kws pab tswv yim uas tuaj yeem tshawb xyuas ob zaug kom paub tseeb tias koj nyob ntawm txoj kev yog thiab tsis muaj kev cuam tshuam uas yuav tshwm sim hauv koj txoj kev," hais tias tus kws npaj nyiaj txiag muaj ntawv pov thawj Danielle Miura ntawm Spark Financials.
"Yuav kom nrhiav tau tus kws pab tswv yim sib xws, koj yuav xav nrhiav ib tus neeg uas yog cov lus qhia nkaus xwb, thiab yuav tsis nrhiav kev tswj hwm koj cov peev txheej. Hloov chaw, lawv yuav tsub nqi ib teev lossis tus nqi tas rau kev koom nrog lub sijhawm txwv, "hais tias Kaleb Paddock, tus kws npaj nyiaj txiag tau lees paub ntawm Ten Talents Financial Planning. Tus nqi ntawm qhov kev sib raug zoo no yog tus kws pab tswv yim yuav pab koj nrog kev npaj se, kev npaj pov hwm, kev npaj vaj tse thiab cov neeg tau txais txiaj ntsig, kev npaj kho mob thiab lwm yam, Paddock piav qhia.
Puas muaj teeb meem nrog koj tus kws pab tswv yim nyiaj txiag lossis nrhiav ntiav ib tus tshiab? Email [email tiv thaiv].
"Koj tuaj yeem nrhiav tus kws pab tswv yim los ntawm kev siv XY Planning Network, NAPFA, lossis Tus Nqi-Tsuas Network thiab nrhiav cov kws pab tswv yim nkaus xwb los ntawm cov koom tes muaj koob npe," Paddock hais. Yog tias koj tsis tuaj yeem qhia los ntawm lawv lub vev xaib tias lawv them nyiaj li cas, koj tuaj yeem hu thiab nug seb lawv puas muaj cov nqi teev ib teev lossis cov nqi tsim nyog uas yuav haum rau koj cov kev xav tau. Nyob ntawm seb koj nyob qhov twg thiab koj qhov xwm txheej nyuaj npaum li cas, koj tuaj yeem xav tias yuav them ntawm $ 200 thiab $ 500 toj ib teev lossis nyob qhov twg los ntawm $ 1,000 txog $ 7,500 rau kev sib koom ua haujlwm. Koj tuaj yeem siv cov cuab yeej no kom tau txais kev sib tw nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.
"Thaum koj tab tom nrhiav ib tus kws pab tswv yim ua haujlwm nrog, nug lawv seb lawv yuav muab dab tsi rau koj tshaj li koj cov peev txheej. Koj tuaj yeem nug, raws li cov ntaub ntawv koj tau muab, qhov lawv xav tias yog cov ncauj lus tseem ceeb tshaj plaws uas koj yuav tsum tau sau ua ke. Yog tias muaj qee yam tshwj xeeb uas koj xav ua haujlwm, nug tus kws tshaj lij yog tias lawv tuaj yeem qhia koj ib zaj dab neeg txog qhov lawv tau ua haujlwm nrog cov neeg siv khoom ntawm qhov teeb meem yav dhau los, "hais tias Miura. Thiab nco ntsoov nug cov 15 nqe lus nug rau txhua tus kws pab tswv yim koj tuaj yeem ntiav.
Cov lus qhia, cov lus pom zoo lossis cov qeb uas tau hais hauv tsab xov xwm no yog cov ntawm MarketWatch Picks, thiab tsis tau raug tshuaj xyuas lossis pom zoo los ntawm peb cov koom tes ua lag luam.
Source: https://www.marketwatch.com/picks/im-65-and-semi-retired-having-amassed-1-8-million-myself-with-a-lot-of-risky-small-caps-tech-stocks-and-some-etfs-i-also-have-20-in-cash-am-i-doing-it-right-do-i-need-an-adviser-to-help-01662751338?siteid=yhoof2&yptr=yahoo