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视角姬|洋视角:年轻一代热衷理财 是福还是祸?

2019-12-04 11:56:34 理财资讯 来源:http://www.dagaqi.com 浏览:

导读: 通常情况下,年轻人认为退休之日尚早,打算迟些再制定退休计划。殊不知,为退休储蓄这种事情宜早不宜迟。储蓄开始的越早,退休时的积蓄就越多。 早期理财过程中,年轻人遇到的主要问题之一是工资少的...

  

 

      通常情况下,年轻人认为退休之日尚早,打算迟些再制定退休计划。殊不知,为退休储蓄这种事情宜早不宜迟。储蓄开始的越早,退休时的积蓄就越多。

 

  早期理财过程中,年轻人遇到的主要问题之一是工资少的可怜。收入少的可怜还要储蓄?听起来是不是天方夜谭?但是,当下越来越多的年轻人流露出对退休计划和财产规划的浓厚兴趣。诚然,年轻人关注理财是一个好现象,但年轻一代热衷理财背后的一些问题也不容忽视。

 

第一、调查结果出人意料

 

 

  2013年10月,美国加州大学的哈斯汀法学院发起了一场理财规划活动,活动参与者关注的理财焦点出乎活动组织方的意料。活动结果显示,众多活动参与者担心的不再是如何应对经济危机,而是如何制定较好的理财计划,这和前几年的调查结果相差甚远。与此同时,本活动有一个更让人意外的一个发现,即当下的年轻人比以往更热衷于制定一个长久的理财规划。

  

 

      通常情况下,年轻人认为退休之日尚早,打算迟些再制定退休计划。殊不知,为退休储蓄这种事情宜早不宜迟。储蓄开始的越早,退休时的积蓄就越多。

 

  早期理财过程中,年轻人遇到的主要问题之一是工资少的可怜。收入少的可怜还要储蓄?听起来是不是天方夜谭?但是,当下越来越多的年轻人流露出对退休计划和财产规划的浓厚兴趣。诚然,年轻人关注理财是一个好现象,但年轻一代热衷理财背后的一些问题也不容忽视。

 

第一、调查结果出人意料

 

 

  2013年10月,美国加州大学的哈斯汀法学院发起了一场理财规划活动,活动参与者关注的理财焦点出乎活动组织方的意料。活动结果显示,众多活动参与者担心的不再是如何应对经济危机,而是如何制定较好的理财计划,这和前几年的调查结果相差甚远。与此同时,本活动有一个更让人意外的一个发现,即当下的年轻人比以往更热衷于制定一个长久的理财规划。

 

  虽然调查结果出于意料,但细想一下也在情理之中。经济状况欠佳时,人们有众多理由担心做出的决策正确与否,因为这关乎未来长达数周或数月的生计问题。而一旦经济情况好转,日常生活压力减小,转而关注未来的理财规划也理所当然。

 

第二、年轻一代问的多 听的少

 

 

  诚然,在成长过程中,年轻人逐渐积累了一些可供未来参考的理财知识或经验。但是,年轻人也会经常向父母咨询一些理财建议。咨询归咨询,对于父母给出的一些基本的理财方法,年轻人却总是“左耳进右耳出”,认为目前采纳这些建议还为时过早。究其背后的原因,可能是年轻人认为其和父母的实际情况和境遇均有所不同。另外,年轻人也不相信理财规划上的一些小变动能够对未来造成重大影响。

 

  即便众多理财规划书上曾给出以下理财建议:理财是一个积少成多、聚沙成塔的过程。但是,对众多年轻人而言,他们需要的不是一种如何对收入锱铢必较的方法,而是一系列能把握个人未来的理财方法或工具。

 

第三、年轻人热衷理财是好事

 

 

  虽然理财规划过程中问题重重,理财方法也有异于父母,但年轻人努力规划未来这件事情本身就值得鼓励。此外,如果理财目标是获得收益,一些传统的理财建议还是值得采纳的。尽管过半数的年轻人认为股市投资绝不是一种安全的投资方式,美国CNN财富网仍建议30岁左右的年轻人慎重考虑一下投资。

 

  较之父母,年轻人在理财方面的知识确实有所欠缺。但是,令人欣慰的一点是,越来越多的年轻人在认真规划未来并切实采取行动。毋庸置疑,年轻人对理财规划感兴趣是个好现象。随着理财知识的逐渐积累,年轻一代或会成为父母一代的理财规划导师指日可待!

 

原文:

 

Good News: More Young People Doing Financial Planning

 

  Young people have traditionally operated under the belief that since retirement is decades away, there’s plenty of time to plan for it later.

 

  Although that’s true, the sooner saving starts, the more money there will be at retirement.

 

  One of the main problems with early financial planning is that younger people’s salaries are often at the lowest point they’ll see in their adult lives.

 

  With less extra money, setting some aside for later might not even seem possible. But a new trend reveals more youth interest in retirement and estate planning, and that’s a good thing.

 

  Financial Planning Event Yields Unexpected Questions

 

  In October 2013,The San Francisco Chroniclereported that UC Hastings College of the Law hosted a free financial planning event, and the focus of attendee interest was a bit surprising.

 

  Instead of looking for information about how to survive economic turmoil, more people were thinking, and asking, about estate planning. That’s a big switch over previous years’ focus.

 

  It makes sense, really. When the economy is poor, there’s plenty of reason to worry about making the right decisions that will see you through the coming weeks and months without falling behind.

 

  But when the economy starts improving, the stress of daily living isn’t as high, which lets focus expand into the future.

 

  What’s more surprising is that long-term financial plans are being made by more young adults than in recent generations.

 

  Young Adults Ask Parental Advice, But Don’t Always Take It

 

  Many young adults have little financial planning knowledge or experience under their belts. It’s natural for them to ask their parents for guidance, but the advice isn’t always taken at face value.

 

  U.S. News and World Report’sRichard Satran says that while parents explain the fundamentals of financial planning to their kids, the kids usually take that advice as only one factor in how they will approach the future.

 

  One reason why seems to be that younger adults don’t believe they will have the same opportunities as their parents.

 

  They also don’t believe that tiny changes can lead to a secure future, as economist Anthony Webb of The Center for Retirement Research at Boston College explains to Satran.

 

  Cutting out a cup of coffee every day will not make anyone wealthy, even though so many financial planning books give that advice.

 

  What young people seem to want is a logical set of tools that put them in control of their future, not a lecture about being hyper-responsible with every single penny they ever earn.

 

  The Good News: Young Adults Really Are Saving

 

  With all of the confusion about financial planning, the upside is that more young adults really are planning for their futures. They just might go about it in a different way, compared to their parents.

 

  But if real gains are the goal, some traditional advice is worth taking.

 

  Although nearly half of “Generation Y” says stocks will never feel like a safe investment,CNN Moneyadvises that if you’re young, approximately 30 years old or younger, you should give investments serious consideration.

 

  Aim for an investment balance of 28% in foreign stocks, 20% in bonds, and 52% in U.S. stocks.

 

  If that seems to risky, consider historical data. CNN shows that since the mid 1920s, no investment portfolio with mostly stocks has ever lost money over a 20-year period.

 

  In fact, average gains are about 10%, which is more than double that of an investment portfolio that’s primarily bonds.

 

  Young adults might not be as financially savvy as their parents (yet), but the trend shows more people are thinking about retirement, and doing something about it.

 

  The interest is a good sign. With more knowledge under their belts, the up-and-coming generations might eventually teach their parents a thing or two.(原文出处:mint 网站)

 

栏目介绍:“洋视角”是理财频道新开设的一个栏目,栏目会定期从国外投资理财网站择优挑选一些优秀的投资理财方面的观点文章进行提炼和编译。帮助国内投资者了解到国外投资者最新的动向和观点,以期对国内投资者的投资理财有借鉴意义。

 

视角姬|洋视角:年轻一代热衷理财 是福还是祸?相关热词搜索:福利视角 第三视角

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