*太长不看中文版*
１. 越早开始约有保障，享受时间带来的复利。
２. 把每个月税前收入的15%放入共同基金／互惠基金（Mutual Funds）。
- 把钱放入成长型股票共同基金（Growth-Stock Mutual Funds）作为长期投资。
- 利用公司提供的任何匹配计划，比如401K可以匹配3%的话，就把15%中的3%放到401K中。
- 每年放满罗斯个人退休金账户（Roth IRA）的最大限额。
３. 在Roth IRA中建立投资组合
- 寻找５年最好10年以上记录良好的基金。
- 把投资平均分成四份:
1) 成长和收入型基金Growth and Income Funds(Large Cap or Blue Chip Funds)
2) 成长型基金Growth Funds (Mid-Cap or Equity funds; an S&P Index Fund would also qualify)
3) 国际型基金International Funds (Foreign or Overseas Funds)
4) 进取型增长基金Aggressive Growth Funds (Small-Cap or Emerging Market Funds)
关于这个人投资组合也有一些不同的声音，具体怎么分配还要根据每个人的年纪，风险承受能力等等因素相关。 - 计算退休金分配比例
４. Monthly Retirement Planning每月退休金计划表：计算每月需要存多少钱才能达到你的退休金目标。
图片来自于@The Total Money Makeover ，版权属于原作者
CHAPTER 9: MAXIMUM RETIREMENT INVESTING
Key Concept #1: Decide How You Want to Live in Your Retirement Years
- Retirement in Total Money Makeover is defined in terms of SECURITY. Security allows a person to make choices- work may be one of those choices.
- Retirement in Total Money Makeover also includes the concept of FINANCIAL DIGNITY.
Key Concept #2: Baby Step Four: Invest 15% of Your Income in Retirement
- Invest 15% of BEFORE-tax gross income annually toward retirement.
- It’s wiser to start investing for retirement as SOON AS POSSIBLE so the money has the maximum time to grow.
Key Concept #3: Invest for Retirement in Mutual Funds
- Use “Growth-Stock Mutual Funds” for long-term investing.
- Take advantage of any matching programs available to you. If your 401K matches the first 3% you invest, put your first 3% of your 15% in that fund.
- Use any tax advantages available. Put the maximum allowed into Roth IRA, since it grows TAX-FREE.
- In a ROTH IRA, you can choose where you put the money. How to choose the Growth-Stock Mutual Funds for Roth IRA investment:
1. Look for a good track record of winning for more than 5 years, preferably for more than 10 years.
2. Break down the retirement investing evenly across 4 types of funds:
* Growth and Income Funds(Large Cap or Blue Chip Funds)
* Growth Funds (Mid-Cap or Equity funds; an S&P Index Fund would also qualify)
* International Funds (Foreign or Overseas Funds)
* Aggressive Growth Funds (Small-Cap or Emerging Market Funds)
3. An article about Why Dave Ramsey Is Wrong On Mutual Funds - Calculating for Retirement Investing
图片来自于@The Total Money Makeover，版权属于原作者
Key Concept #4: Calculate What It Will Take for You to Retire
- You should aim at living off 8%. (Actually, this 8% is based on your funds earning 12% a year and inflation stealing about 4%.)
- Monthly Retirement Planning How much do you need to retire comfortably? Use this planning sheet to figure out how much you need to save each month for retirement.
- DON’T be panic if you cannot save this much money for your retirement. But DO be concerned enough to start investing for your retirement NOW.
- Start where you are. Work the steps of the plan. Get out of debt. Have $10,000 in an emergency fund. Start investing for your retirement. And don’t delay!
- It’s never too late to start.
- Baby Step Four is not “Get rich quickly.” The investing you do systematically and consistently over time will make you wealthy.
读书笔记的思维导图:
结合书和练习册一起看，思路更清晰。（亚马逊上略贵，可以在一些二手书网站上买旧书更划算）。
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