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标题: Personal Fund Investment Management Plan [打印本页]

作者: 段续风    时间: 2007-3-23 20:36
标题: Personal Fund Investment Management Plan
给大家翻译一篇国外的理财策划文章看看:


I have a certified financial planner, I used to address him as a saleman, he has no problems with that. (Coz that what they really are!)

我有一个认证的财务策划师,曾一度把他作为销售员来用,他可以胜任的,呵呵...

I treat him more like my broker thou. I am giving him more room nowadays, he has proven himself to be able to manage my mutual funds. So I am going to treat him like my fund manager from now on.

我把他作为自己的经济人来用的,最近我给了他更大的发挥空间。他证明了自己可以很好的管理我的共同基金。以后我都会让他来帮我处理这样的事了 ;)

There are 1 million or more ways to manage your personal finance. Here I am offering the one I adopted (with slight changes) which I learned from Anthony Robbins Wealth Mastery program.

私人财务管理的方式恐怕要有100万种以上吧,

下面分享给大家一个,我使用的理财投资方案:

Part I...

Earned Income: (收入)

Spend less than you earn and invest the balance. (把你挣来的钱80%用于消费,20%用于投资)

Asset Allocation: (资产投资分配)

Split balance into 3 parts, Reserve, Growth and Momentum. (投资分配:低风险投资,中长期投资,短期高风险投资)

Based on age and aggressiveness... the allocation will be different.
I am more aggressive hence I am using a 30% Reserved, 35% Momentum and 35% Growth model. Those more conservative would probably settle for a 35/30/30 Model.

不同年龄和性格趋向的人,会有自己不同的分配比率。我个人偏好的比率是,30%用于低风险投资,留存应急资金,35%投资于中长期稳定项目,35%投资于短期高风险领域。另外一些保守的人会选择:35/30/30 这样比率。


Reserves: (低风险投资,留存应急资金,随时可转化为现金的,如银行存款,优质债券等)

are for emergencies, unless it is a life and death situation, you don't touch it!
Invest your reserves into very low risk investments, e.g. T-Bills, High quality bonds etc.

Growth: (中长期投资,中等风险,如股票等)

Are for mid term to long term returns, e.g. properties, stocks etc.

Momentum: (高风险投资,外汇等)

High risk trading activities. E.g. Options, FOREX etc.


Part II:

When you get your returns from Growth... (中长期投资收益的分派)
Spit it into 3 portions and put 1/3 into Reserve, 1/3 into Growth and 1/3 into Momentum

仍然分成三部分:1/3 到低风险,1/3到中风险,1/3到高风险 领域

When you get your returns from Momentum... (高风险投资收益的分派)
Split it into 4 portions and put 1/4 into Reserve, 1/4 into Growth, 1/4 into Momentum and 1/4 into Dream

分成四部分,拿出1/4 来实现自己的一个梦想,算是对自己的小小奖励吧 :)

Dream: (实现梦想)

Is for you to reward yourself for the hard work you have done.

Personally I never trade shares and I seriously doubt I ever will. But I will invest in shares, most likely out of Singapore.

Where to learn? There are lot of resources out there, you can network with other investors etc. Go to conventions... like The Asian Invest World 亚洲赚界(asia-ring.com) and The Asian Traders and Investors Convention 亚洲贸易与投资公社(theatic.net)  if you are from Singapore or Malaysia. The Money Show (moneyshow.com) in USA. Or take up wealth seminars. Get yourself a coach and read magazines like The Economist, Forbes, Fortune 500 etc.

到哪里学习?通过网络可以找到很多资源,还有其他投资者,可以和他们交流。如果你是一位马来西亚或是新加坡的投资者,可以到这里学习交流,如:亚洲赚界亚洲贸易与投资公社等,如果是在美国,可以选择 moneyshow.com,另外可以阅读一些杂志,如:经济人,福布斯,世界500强等。

What kind of investment is likely to give you more returns depends on the kind of risk you are willing to bear. Indonesia bank offers quite a decent interest rate for Singapore dollar deposits. Do you dare to put your money there?

高收益伴随着高风险,低风险意味着低收益。收益与风险通常是成正比的。印度尼西亚银行为新加坡元的存款提供高回报,你敢把钱钱放在那里吗? ;)

China RMB looks positive for investing, Euro or Pound, is the Pound going to get absorbed into Euro or will the Euro break up? All looks like they are going to give very nice returns.

中国的人民币看来是适合投资的,欧元或英镑也不错哦。 操作好了都是可以收获高回报的。

Singapore is going to build IR in the future, meaning more jobs for both local and overseas. Also it is trying to increase it's population by welcoming more migration into Singapore. Rental property market boom?

新加坡即将建立IR了,意味着不久会有更多的工作机会提供给当地人和外籍。他还将努力提高人口数量,欢迎海外移民到新加坡。 租赁市场将会蓬勃发展?

Personally, I am going to FOCUS on my FOREX, as for others, I will find someone(s) to help me along with it. Thats what teams are for.

我自己主要还是会投入到外汇方面,其他方面会找人来帮我。 这是我的原则方式。

英文转自truly(salty),翻译:段续风(jjwangjj)
作者: 酒红色的心    时间: 2007-3-23 22:41
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