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What’s At The Heart Of Your Financial Health?

What’s At The Heart Of Your Financial Health?

你的財務健康核心是什麼?





While you might not give it much thought throughout the day, your heart is continually working to help you accomplish all the things you set out to do, from basic functions like breathing, eating and walking, to your more ambitious goals, such as running a marathon or climbing the world’s highest peaks. However, if something weakens your heart, your body will not receive enough blood to work normally.

你可能從來都沒有想過,但是你的心臟都在夜以繼日的幫助你完成每天要做的所有事情,就像從呼吸,吃飯和散步等最基本的功能,到像跑馬拉鬆或者攀登世界最高峰這樣宏偉的目標。但是,如果你的心臟功能變弱了,你將無法獲得足夠的血液來維持你身體每天正常的運轉。


What if there were similar steps you could take to maintain your financial health?

你是否也可以採取類似的方法來保障你的財務健康呢?


Fortunately, there are. Think about the role your heart plays at the center of your circulatory system. Its primary job is to ensure that the oxygen and nutrients your organs need to work properly are delivered through a complex network of blood vessels to keep things humming along. A comprehensive financial plan plays a similar role in helping to maintain your financial health. Like your heart, your financial plan is central to your financial health, continuously working to help ensure that all of the various components that make up your complex financial picture come together in a seamless, efficient, and cohesive manner to keep you moving forward.

答案是我們有這樣的方法。就像你的心臟在循環系統中的作用一樣,它的主要功能是通過複雜的血管網絡來輸送氧氣和營養到你身體的各個器官,從而保證身體的正常運轉。一個全面的財務計劃在幫助你保持財務健康方面發揮著相似的作用。就像你的心臟一樣,你的財務計劃對於你的財務健康是至關重要的,它會堅持不懈的確保構成你財務狀況的各個部分以無縫,高效和緊密的方式連結在一起,讓你不斷向前邁進。


Yet, like maintaining a healthy mind and body, maintaining financial health takes some work.

然而,就像保持身心健康一樣,保持財務健康也是需要做一些努力的。


Often, people think they don’t have enough money to engage in planning, or they wait until a financial problem or crisis occurs before reaching out for help. However, the earlier you engage in the planning process, the more likely you are to remain on track toward your goals at every stage of your life.

人們通常會認為自己沒有足夠的錢來做財務計劃,或是等到已經出現了財務問題或危機的時後才尋求幫助。但是,你越早制定財務計劃,你就越有可能在人生的每個階段都朝著目標前進。


Whether you have an existing plan that needs updating, or you’re new to the financial planning process, working with an independent financial advisor to put a comprehensive strategy in place can help put you on the right course toward a healthy financial future. To get started, consider the following.

無論是否你的財務計劃需要更新,或者你是剛剛接觸財務計劃的新鮮人,與獨立專業的財務顧問一起制定一個全面的財務規劃方案,可以幫助你走上未來正確的健康財務之路。首先,請考慮以下幾點。


1.Meet with a professional.

1.尋求專業人士幫助


An experienced financial advisor will not only address the questions and concerns that keep you up at night but develop a plan to help ensure that you remain on track toward your important goals, every step of your journey.

經驗豐富的財務顧問不僅可以解決讓你棘手的問題和疑慮,還會制定計劃來幫助和確保你在人生的每一步都朝著目標邁進。


2.Create a baseline.

2.建立基準線


When you change doctors or if it’s been a number of years since you’ve visited a doctor, the first thing they will do is establish a baseline for your health across a broad spectrum of physical, mental, and emotional indicators. These include your height, weight, heart rate, cholesterol levels, any medications you take, family history of diseases, etc. Creating your financial baseline also begins with gathering data. Your advisor will collect information about your income, savings rate, liabilities and debt, your current tax bracket, the value of your financial accounts and investment portfolio, and more. This information is collected as part of the discovery process to assess where you are today. A good advisor will take the time to learn what’s most important to you and your family and document your financial objectives and life goals. They’ll want to know about your attitude and fears about money. How much risk are you comfortable taking to accomplish your desired return? What is your timeframe for each of your goals?

在你更換醫生的時後,或者你已經很久沒有去看過醫生,醫生要做的第一件事就是為你的健康建立一個基準線,其中涵蓋生理,心理和情緒的一系列指標。這些信息包括你的身高,體重,心率,膽固醇水平,服用的藥物,家族病史等等。建立財務的基準線也同樣要從收集信息開始。你的財務顧問需要了解有關你的收入,儲蓄比例,負債和債務,目前的納稅率,以及財務帳戶和投資組合的價值等信息。這些收集到的信息會用來評估你現在的財務狀況。一位優秀的財務顧問會花時間認真的去了解什麼是對你和你的家人最重要的,並了解你的財務和人生目標。他們還需要掌握你對金錢的態度和顧慮。你願意承擔多大的風險來實現你所期望的回報?以及你的每個目標的時間計劃是什麼?


3. Develop a plan.

3.制定計劃


Once you and your advisor have worked to identify and document all of this information, a thorough analysis can be conducted, followed by personalized recommendations, based on your goals, preferences, risk tolerance, timeframe and more. Once recommendations are agreed upon, your advisor will develop a comprehensive plan for accomplishing your goals. However, there’s another important step before your plan can be fully implemented. That’s stress testing your strategy.

在你和你的財務顧問確定了所收集到的信息後,就可以進行全方位的分析,然後根據你的目標,喜好,風險承受能力,時限等提出個性化的建議。一旦建議達成共識,你的財務顧問會制定一個全面的計劃來實現你的目標。但是,在完全實施你的計劃之前,還有一個重要步驟。這就是壓力測試。


4. Stress-test your strategy.

4.壓力測試


Stress testing is one of the most important steps in the planning process. Using sophisticated financial planning software, your advisor can test your strategy under hundreds of potential scenarios to model the probability of meeting your goals under different market and economic conditions, or changes in your plans. These may include things such as a sudden market drop, forced early retirement, a prolonged low-interest-rate environment, or a desire to travel more or purchase a vacation home in retirement. Stress testing various scenarios enables you and your advisor to make more informed decisions along the path toward accomplishing your goals.

壓力測試是財務計劃過程中最重要的步驟之一。通過使用先進複雜的財務計劃軟件,你的財務顧問可以在各種可能發生的情況下來測試你的應對,以用來模擬在不同的市場和經濟條件下,或者在你計劃改變時,可以實現目標的概率。這些情況可能包括股票市場的突然下跌,被迫提前退休,長期的低利率,或者希望在退休後可以多旅行或購買度假屋。通過對各種情況的壓力測試,你和你的財務顧問可以在實現你目標的過程中做出更明智的決策。


5. Monitor your financial health.

5.監控財務健康


You can take proactive steps to ward off potential problems, you also want to carefully monitor progress toward your financial goals. However, continual monitoring of the financial markets, economy, geopolitical factors, and your own investment portfolio, can be time-consuming and difficult to achieve on your own. In addition, you may not have access to all of the resources required to make informed decisions, such as how to properly align your asset allocation with your

risk target, when and how to rebalance your portfolio, or how to harvest losses in a tax-efficient manner. This is where ongoing advice and professional portfolio management can really make a difference. In addition to bringing the robust resources necessary to manage risk across all aspects of your planning, your advisor is able to provide timely, objective, and personalized advice to help keep you on track in any market or economic climate.

你可以採取積極的措施來避免潛在的問題,你也希望可以仔細監督你完成財務目標的進展。然而,持續監控金融市場,經濟,地緣政治因素以及你自己的投資組合是非常耗時的,並且很難一個人單槍匹馬的完成。另外,你可能無法獲得做出正確決策所需的資源,例如如何正確的將你的資產分配與風險期待值保持一致,何時以及如何重新平衡你的投資組合,或者如何通過避稅的方式彌補損失。這就是持續的建議和專業的投資組合管理能夠真正發揮作用的地方。除了提供強大的資源來管理各方面的風險之外,你的顧問還能夠提供及時,客觀和個性化的建議,幫助你在任何市場或經濟環境中保持在正確的道路上。


6. Don’t forget annual check-ups.

6.年度檢查


While your advisor will continue to monitor your strategy and recommend adjustments as needed, it’s also important to meet for a formal review, at least once a year. Not only does this provide an opportunity for you to ask questions and provide feedback, but to discuss changes in your life that may impact your strategy going forward. For example, are you considering a job or career change in the coming year? Did your college-bound child just receive a partial scholarship? Will you hit a milestone birthday this year, such as age 50, making you eligible for catch-up contributions? If you’re retired, is your spending down, due to staying home more during the COVID-19 pandemic? Your annual plan review provides an opportunity for you and your advisor to make any necessary adjustments to accommodate new goals while helping you stay on track.

雖然你的顧問會持續監督你的財務方案,並根據需要而提出調整和建議,但每年一次的正式評估也是非常重要的。這不僅為你提供了提問和反饋的機會,而且還可以討論你生活上的變化,是否會對你未來的計劃產生影響。例如,你是否打算明年變換工作或職業?你即將上大學的孩子是否只收到了部分獎學金?你今年是否會迎來一個具有意義的生日,比如50歲,從而有資格獲得追加繳費的機會?如果你已經退休,是否會因為在新冠肺炎疫情期間,更多的時間呆在家裡而減少支出?年度計劃評估為你和你的顧問就提供了這樣一個重要的機會,你們可以做出任何必要的調整,以適應新的目標,同時幫助你保持完成目標的進度。


Like your physical health, your financial health requires regular attention. That’s because your physical, mental, spiritual, and financial health are inextricably linked. Each contributes to your overall sense of well-being, so a change in one area can impact the others, for better or worse. This past year has been particularly challenging for many people—physically, emotionally, and financially. If you need help in strengthening your sense of well-being in any of these areas, don’t wait to reach out to a qualified professional who can help you get back on course toward a healthier, happier, and more confident future.

就像你的身體健康一樣,你的財務健康也需要定期關注。這是因為你的身體,心理,靈性和財務健康是密不可分的。每個方面都有助於你的整體幸福感,所以無論是好是壞,牽一髮而動全身。過去的一年,無論是在身體上,情感上還是經濟上,對許多人來說都是極具挑戰的。如果你在任何方面需要幫助來增強自己的幸福感,請儘早與專業人士聯繫,他們可以幫助你重新邁向更健康,更幸福,更自信的未來。



Source文章來源: https://www.forbes.com/sites/rcarson/2021/03/11/whats-at-the-heart-of-your-financial-health/?sh=1acfc8c0479c

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