tetrahedral
[讨论]关于家庭理财顾问
1917
13
2006-04-17 23:52:00
大家都用家庭理财顾问吗？有必要找一个吗？上哪里找？还有不知道怎么个收费法的？
俺的同事对理财有研究的好象都有家庭顾问，经常跟他们说可以多投资什么，减少什么的投资一类的事情。大家讨论一下吧。俺现在的钱纯粹是发在那里发呆。
找不找理财顾问(financial advisor)看LZMM自己的选择了。顺便说一下，这个financial advisor or CFP (certified financial planner)在前几天全美流行的行业中排第三位呢，看来他们的市场不小啊。
偶一位同事就是自己在网上找哪些mutual funds好，哪些index好，看他投资收益也挺好的。找理财顾问的好处就是告诉他们你的risk tolerance和你是否长期还是短期投资等，然后他们帮你allocate你的money，当然要有这样那样的fee。如果自己做，就要花些时间做比较，进行研究。
偶也算懒人一个，一部分资金交给CFP管理了
有两种可能，一种是每年从你的资产里面固定划一定百分比走，看起来好像不直接收你钱似的。以前Morgan Stanley曾经向我们推销他们的理财计划，就是这么做。还有的是靠卖你东西，最典型的就是保险经济人了。他们主要收入是卖保险得到的commission。对他们来说，所谓免费理财咨询是一种稳定老客户，招徕新客户的手段。这两者其实都不是太好。往往会极力让你往他们的产品里放钱，不能给你真正全面客观的建议。相对之下，重雪版主说的那种所谓fee based理财顾问应该会客观一些吧。
多学习一下也很好啊，学到的东西是自己的。这里发现好多筒子们很有知识的，比如飞飞MM，ggzh老弟，小马MM，还有LZ，当然还有更多的在这里发表经验的朋友们。
重雪版版，你nice滴俺都不好意思了。俺感觉自己就是一贪心的理财盲，不过来这个版玩以后，确实学到了一些东西，不过目前还是有很多看不懂地。
找不找理财顾问(financial advisor)看LZMM自己的选择了。顺便说一下，这个financial advisor or CFP (certified financial planner)在前几天全美流行的行业中排第三位呢，看来他们的市场不小啊。
偶一位同事就是自己在网上找哪些mutual funds好，哪些index好，看他投资收益也挺好的。找理财顾问的好处就是告诉他们你的risk tolerance和你是否长期还是短期投资等，然后他们帮你allocate你的money，当然要有这样那样的fee。如果自己做，就要花些时间做比较，进行研究。
偶也算懒人一个，一部分资金交给CFP管理了
and the survey ranked software engineer number 1! that ranking takes flexible hours, work from home into consideration. that's why. I think SE can be one of the most stressful jobs. depends on who you work for. because u have to constantly learn to keep yourself up to date.
i think most CFP are just sales person selling some concepts that everyone knows. you can buy a investment ofr dummies book and spend 2 hours reading it and become a CFP.
I believe, if you don't take care of your money, your money will not take care of you. at some point, I may have CFP, but he/she self has to be good invester also, not just sales person get commission. but before that, i will educate myself first, then I will know who to listen later.
and the survey ranked software engineer number 1! that ranking takes flexible hours, work from home into consideration. that's why. I think SE can be one of the most stressful jobs. depends on who you work for. because u have to constantly learn to keep yourself up to date.
i think most CFP are just sales person selling some concepts that everyone knows. you can buy a investment ofr dummies book and spend 2 hours reading it and become a CFP.
I believe, if you don't take care of your money, your money will not take care of you. at some point, I may have CFP, but he/she self has to be good invester also, not just sales person get commission. but before that, i will educate myself first, then I will know who to listen later.
其实xyin MM了解理财投资方面的知识很多，而且那个股票也赚翻了，多向大家介绍你的经验啊。开始偶也是认为CFP就是卖你一些他了解的经常在手头转动的funds，其实这里面的学问挺大的，涉及的方面并不只是在对funds的了解，而且还要考虑一些tax的impact等等。one of the other reasons that i thought about how cfp is a good career is that not whole lot of people understand how to manage their money. i am not even talking about saving money for the retirement. look at articles lately about how americans' saving habit. its almost none. some of them cant even handle their credit card payment. another aspect is that companies are selling varities of mutual funds. it seems there are too many to compare and to choose from. cfps, on the other hand, are dealing with many transactions everyday. not to mention the tools and the access to those funds.
多学习一下也很好啊，学到的东西是自己的。这里发现好多筒子们很有知识的，比如飞飞MM，ggzh老弟，小马MM，还有LZ，当然还有更多的在这里发表经验的朋友们。
重雪版版，你nice滴俺都不好意思了。俺感觉自己就是一贪心的理财盲，不过来这个版玩以后，确实学到了一些东西，不过目前还是有很多看不懂地。
没关系，慢慢来，大家一起学。这里理财知识丰富的筒子们很多
[此贴子已经被作者于2006-4-26 23:48:52编辑过]
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