heavysnow
Everything you need to know about money
1146
4
2006-11-23 16:39:00
Make a will.
Pay off your credit card.
Get term life insurance if you have a family to support.
Fund your 401K to the maximum.
Fund your IRA to the maximum.
Buy a house if you want to live in a house and you can afford it.
Put six months' expenses in a money market fund.
Take whatever money is left over and invest 70% in a stock index fund and 30% in a bond fund through any discount broker and never touch it until retirement.
If any of this confuses you, or you have something special going on (retirement, college planning, tax issues), hire a fee-based financial planner, not one who charges a percentage of your portfolio.
可难说啊，没准哪天您就一日登天了
Take whatever money is left over and invest 70% in a stock index fund and 30% in a bond fund through any discount broker and never touch it until retirement.
这个是不是太风险了
I think all of the points above serve as guidance, meaning you dont have to follow them.
70/30 is relatively less risky fund allocation. Some recommended as 80/20. 当然了，这要看个人的情况，case by case. 而且如果确实家庭中有什么unexpected events, I think the funds can be accessed. The caveat, penalty and tax will be imposed.
到底了
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