分類彙整:Financial

像有錢人學習用錢習慣

有錢人的用錢習慣就是和你不一樣

有錢人的用錢習慣就是和你不一樣」作者本身是位財務顧問,書裡作者將有錢人(資產1億日幣以上)分成4種類型:繼承家產、節省、投資型、薪資高,扣除掉繼承家產成為有錢人的模式無法學習這一類型,讀者能從書中學習透過另外3種成為有錢人所需要的能力特質 

透過節省成為有錢人: 

  • 增加收入來源 

假設本身已有伴侶對象的話,雙方最好都透過工作增加收入來源減少風險,單方的經濟能力收入需高於2人間的用錢支出,若剛好另一半因故無法繼續工作,另外一位的收入可以為家庭帶來保障,而伴侶間會常常共商家計大事 

  • 透過記帳設法減少固定支出 
  • 趕走變成窮鬼的心態: 
  1. 虛榮心:無法抗拒想買好東西慾望,感覺使用後會變得完全不同,即使旁人覺得完全是異常的購買行為 
  2. 在意別人目光: 例如大家都買了,只有我沒有買會不會很奇怪,在業務員強力推薦,不想被當成拒絕往來戶 
  3. 只享受當下:不考慮經濟能力喜歡就買,而忽略行動後可能衍生出的成本 

投資者類型的特質: 

擅長從數字角度分析事務,傾向以投資,而不是消費的角度來購買東西,例如購買房子租給別人,而不是買給自己居住,因為這樣利潤比較高;常常投資的項目(股票、債卷、基金等等)跟大部分的投資人差不多,不過很擅長抓準時機點買進賣出,風險控管方面寧願遇到小賠但不會讓致命性的危機發生,再透過槓桿原理大撈一筆,即使失敗虧錢,也能藉由失敗獲取教訓,下次再重新出發。 

另外注重伴侶的金錢價值觀,不喜歡面不改色就消費的女性,會找踏實的另一半,而非注重外表居多,孩子教育方面跟省錢型的差不多,最大一點的差異是投資型的會不惜花大錢讓孩子出國讀書 

透過高薪成為有錢人 

  • 讀好學校、近好公司的成功模式雖隨著時代變動重要性越來越低,有錢人由於金錢有餘裕還是會不惜在小孩子教育上做投資 
  • 學生時代道路或許是由父母親幫忙鋪路,這些人長大後相當擅長解讀時代脈絡,解讀變化趁早採取行動 
  • 讓別人幫你工作 
  • 高收入但過著樸實生活 

金錢想變得更多就要向有錢人學習,有錢人對於金錢的思考模式相當與眾不同,但當我們仔細思慮後會發現,他們非常了解資本主義真理、金錢流動架構,一般人在嘗試模仿過程中或許會遇到許多失敗挑戰,但是每當一一克服後會培養出許多過去沒有的能力 

Book review of The Essential Retirement Guide

This is a financial planning book focused on middle-income or upper-income workers. Low-income people, defined here as at the bottom of 30 percent or so of the workforce, definitely need retirement target income exceeding 70 percent of their final pay. They’ve already been well taken care of with pensions from government programs. 

The keynote of The Essential Retirement Guide:

  1. Financial plans must be taken before we are getting older.

When coming to the financial abilities, people in their 80s were generally more confident than those in their 60s, even though the older ones scored barely half compared to the highest. While older test subjects scored quite poorly by any absolute or relative measure, their confidence in their financial abilities was actually higher than that of their younger counterparts. Preemptive measures need to be taken. We should handle this while we are still young enough to use whatever insights we have at our disposal.

2. Your financial strategy should be simple. 

Keeping your financial strategy simple may not be an optimal choice, but it is better than varying the mix for the wrong reasons. There is no correlation between high fees and high returns.

3.Exposing yourself unduly to downside risks is irrational if the only upside is to produce a windfall gain that you do not really need.

4.Long-term care insurance is not an effective choice

Insurance is most effective when 

  • The potential losses from which you are seeking protection are easily understood and quantifiable. 
  • The cost of the insurance seems reasonable relative to the coverage.
  • Any losses over a given threshold would be fully reimbursed by the insurance

However, Long-term care insurance  doesn’t meet the criteria. 

5. Don’t overspend

In a consumerist society, our reach tends to beyond our grasp. If you make $80,000 a year, pretend as if it were just $70,000 and save the rest. 

In summary, the author, Frederick Vettese, specializes in actuary and has spent his whole career in retirement consulting and workplace pension plans. He provides a lot of insights about retirement planning using his actuarial expertise. In addition, he uses a lot of contextual scenarios in explaining concepts such as wealth target and workplace pension plans. It’s a highly recommended book.