理財解碼,退休,金錢,生活,後悔,理財,投資,億萬富翁

靠投資致富實例 年薪不足10.92萬元 前UPS員工以5.54億元退休|理財解碼

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理財解碼】不少人都會為退休後,是否擁有足夠金錢應付生活而感到憂慮,更有可能後悔沒有盡早計劃退休。事實上,錢再多都有可能破產,錢再少也可以理財,為未來做好準備十分重要。

撰文:Smart ED編輯部|圖片:unsplash|資料來源:CNBC

富有的起點就是投資

美國知名企業家Tony Robbins除了是一位白手興家的億萬富翁,同時是一名暢銷書作家,他的著作在全世界已有十數種譯本,受益者不計其數。

他在暢銷書「金錢:掌控遊戲」(Money: Master the Game) 中提到,富有的起點就是投資

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When it comes to investments — stocks, bonds, 401Ks, funds, etc. — most people freeze as the fear and intimidation creep in. That's understandable! The financial world and all its jargon seems so overwhelmingly complex. And you can’t make smart #financial decisions if you’re full of fear. The truth is, any decision made from a place of fear will never be the best decision. . That’s why there is so much pain and avoidance in this area. Because COMPLEXITY IS THE ENEMY OF EXECUTION. As a result, most people stay on the sidelines and out of the markets and miss out on their retirement returns. Many folks who actually DO INVEST are fearful or frankly, completely in the dark, about whether their money is in the best kind of account and HOW MUCH they’re being charged in FEES. What most often ends up happening is people just don’t know where to START. . This is why I wrote UNSHAKEABLE. I wanted to help eliminate the fear & suffering in the area of people’s finances. In writing that book, I got to do what I’ve always loved doing—take a complex subject that seems too complicated and break it down into a few core principles that people like you and I can actually utilize and put into action. That’s why the masters’ strategies in that book can truly TRANSFORM people’s lives and accelerate the path to FINANCIAL FREEDOM. . So here’s just a thought I’d like to offer you today…  When it comes to investing, Warren Buffet — the most celebrated investor ever to walk the EARTH — and I both agree that index funds are a great place to START. Index funds are simple. They are designed to match the returns of the market. (And unless you’re a unicorn like Warren or @raydalio, you’re better off capturing that market return instead of trying—and almost CERTAINLY failing—to beat OR time the market.) Index funds are almost entirely on autopilot: they make very few trades so their transaction costs are low and they also save on corrosive fees to active managers which will saves you significantly in the long-run. . Click the link in my bio to learn more about index funds and why Warren Buffett and I both stand by them. 👊🏼#buyandhold #warrenbuffet #investing

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無論賺多少錢都要儲蓄

Robbins說,無論薪金多少,任何人都應該要儲蓄,不要假設會在未來賺取財務自由。

他以一名在1952年退休的前UPS員工Theodore Johnson為例,Johnson從 1924 年就開始在 UPS 工作.

一生中年薪從未超過 1 萬 4000 美元(即10.92萬港元),他的導師建議他挪出每一筆工作收入的 20%,存下這筆儲蓄或進行投資。

當時Johnson說:「我不能在收入減少了20%的情況下生活。」

但導師向他保證他可以,並且在一段時間後,這會成為一種習慣。

他用存下的錢買了 UPS 的股票,經過數十年的精心管理,Johnson最終以7100萬美元,亦即5.54億港元退休,更在1991年登上了「紐約時報」。

Robbins認為,在早期投入資金儲蓄可以獲得巨大的回報。

複利威力會放大儲蓄

無論收入如何,每個月的儲蓄和投資都是有意義的。

踏出第一步,自律地把每個月的部份薪金儲蓄起來,即使開始時只撥出一小部分收入,例如薪金的5%作為儲蓄,也是一個好的開始。

即使金額很小,經過複利的威力放大後,就可以產生奇蹟,所以應該儘早決定自己要從現有收入中拿出多少來儲蓄及投資。

自動轉賬是儲蓄好方法!

暢銷書作家兼理財專家David Bach也同意這個觀點:如果想在退休時富有,首先要努力將收入的10-20%儲存在一個退休賬戶中。

自動轉賬是儲蓄的一個好方法,即是銀行自動從你的薪水戶口中扣除金額,轉送到退休賬戶裏。

事實上,高收入可以幫你致富,但卻不能保證你的財富,維持穩定的生活。

Robbins說,無論從事什麼工作,關鍵是投資自己,並逐漸成為習慣。

他說:「大多數人都會希望賺很多錢,然後成功獲得經濟自由。

事實上,即使是那些已經很富有的人也不能一直保持經濟自由。任何人都可以致富,但問題是,你能夠保持富裕嗎?」

所以,從年輕時開始養成儲蓄習慣,為日後鋪路很重要。

現在開始好好的計劃將來,仍然有足夠的時間改善自己的退休生活。