退休？避免这些钱败走麦城
“It takes a lot of time to be a genius, you have to sit around so much doing nothing, really doing nothing.” –格特鲁德·斯泰因
As originally appeared in The Jerusalem Post on August 6, 2020.
A few years ago, in his weekly article on the Torah portion of the week, Britain’s Former Chief Rabbi Lord Jonathan Sacks wrote about “The Courage to Admit Mistakes”. He wrote, “Some years ago I was visited by the then American ambassador to the Court of St James, Philip Lader. He told me of a fascinating project he and his wife had initiated in 1981. They had come to realize that many of their contemporaries would find themselves in positions of influence and power in the not-too-distant future. He thought it would be useful and creative if they were to come together for a study retreat every so often to share ideas, listen to experts and form friendships, thinking through collectively the challenges they would face in the coming years. So they created what they called Renaissance Weekends. They still happen. The most interesting thing he told me was that they discovered that the participants, all exceptionally gifted people, found one thing particularly difficult, namely, admitting that they made mistakes.”
How many of us can admit that we are wrong? I can’t remember the last time I made a mistake. Don’t believe me? Just ask my kids or better yet, my wife. I’m sure they will confirm my mistake-free life. When it comes to retirement I have seen investors make the same mistakes over and over again. Here are some of the more common mistakes I’ve seen, and if you want to have secure financial retirement, it would behoove you to avoid these.
另一种烤面包机
在追求自由烤面包机所使用来与开设新的银行账户，往往我了解到，退休人员有不同的公司，这使得它很难监督和评估多个投资账户和储蓄账户。几个星期前，我找到了一对老年夫妇的成年子女。她向我解释，她的父母有多个帐户，并且让阿利亚他们不再文书工作和报表为每个帐户，并且是在亏损在何处所有的钱后。不仅有这么多的账户，使其复杂化来获得一个完整的财务状况，但是当退休人员变老，也可以制造混乱，并可能无法继续留在账户或者更糟的控制，这些帐户甚至存在忘记。随着年龄的增长是当务之急，以巩固账户和尝试，并让事情尽可能的简单。
Miscalculating
Conventional wisdom is that when you retire you need between 70-80% of your pre-retirement income to make ends meet. Well, that be true for some, but from my experience and especially in Israel, I have found that you need the same amount or even more money every month during retirement. You may want to help out your children and grandchildren with braces, paying for after school extracurricular activities, and taking the family away for a few days in the summer. And let’s not forget that many of the things that you may want to do during retirement aren’t free, e.g. travel, dining out etc.
我清楚地知道，它可以是令人沮丧的看着你的钱坐和值不会增长。节省长期投资的风险。资金专项用于公寓意味着你不能冒任何风险。如果你真的想成为一个“金融”天才，稳坐什么事都不做，要有耐心并记住目标，这笔钱是买回家中定义的短期时间。
Stubbornly retaining control
由于退休人员的年龄，他们通常不会将某人添加到该帐户执行代表他们的变化。我劝退休人员给孩子或受信任的知己交易权限。这样一来，如果客户不能充分监督帐户它不会成为冻结。不止一次，我看到其中一个较旧的客户端有一个个人账户和虐待了的情况下。他们无法在自己的帐户执行任何指令。这是时候获得金钱是非常重要的，而且由于个人是唯一一个在帐户的任何权力，因为锁定了钱变得很好。有很多方法去这是为制衡。也许你会想需要两个签名从三个可能的签名者名单。也许你起草一份委托书。与您的家人和顾问咨询，以制定一个计划和手段，对你的工作给予签字权的人。
Swallow your pride and correct your mistakes so that you can have a financially sound retirement.
本文包含的信息反映了作者的意见，并不一定投资组合资源集团有限公司或其关联公司的意见。新万博取款周期
Aaron Katsman is author of the book Retirement GPS: How to Navigate Your Way to A Secure Financial Future with Global Investing (McGraw-Hill), and is a licensed financial professional both in the United States and Israel, and helps people who open investment accounts in the United States. Securities are offered through Portfolio Resources Group, Inc. (www.prginc.net). Member FINRA, SIPC, MSRB, FSI. For more information, call (02) 624-0995 visitwww.sisoftball.comor email:aaron@lighthousecapital.co.il.
