職場(chǎng)雙語(yǔ)：投資專(zhuān)家如何為自己理財(cái)
Scott Kays just celebrated his 50th birthday and, like most people his age, is juggling career, family, mortgage payments, and other facts of daily life. He also makes sure that his investments and retirement goals are on track, and volunteers at his church and in his community.
斯考特•凱斯(Scott Kays)剛剛過(guò)了50歲生日，和大多數(shù)同齡人一樣，他疲于應(yīng)付事業(yè)、家庭、房貸和各種家�，嵤拢矔r(shí)刻盯著他的投資帳戶(hù)和退休計(jì)劃，確保一切處于正軌。此外，他還在自己所在的社區(qū)和教堂從事志愿工作�？荚嚧螅珖�(guó)最大教育類(lèi)網(wǎng)站(www．Examda。com)
Many people in Mr. Kays’s situation would hire a financial adviser to tell them where to put their money and how to handle savings, investments, taxes and household expenses to secure their financial future.
很多與凱斯情況相似的人都會(huì)聘請(qǐng)一個(gè)財(cái)務(wù)顧問(wèn)，后者建議把錢(qián)投到什么地方，如何處理存款、投資、稅收和家庭支出，以保證未來(lái)的財(cái)務(wù)健康。
But Mr. Kays is a chartered financial analyst. He started his Atlanta-based investment-management business 25 years ago and now directs about $140 million of his clients’ wealth. Over the years, he has seen just about everything the financial markets can dish out. It’s his job to strategize with clients and counsel them. 但凱斯是個(gè)有特許資格的金融分析師，25年前在亞特蘭大開(kāi)始從事投資管理工作，現(xiàn)在為客戶(hù)管理著約1.4億美元的資產(chǎn)。這些年來(lái)，他已經(jīng)幾乎看遍了金融市場(chǎng)可能發(fā)生的各種事情。他的工作就是協(xié)助客戶(hù)制定投資策略，提供理財(cái)建議。
So how do Mr. Kays and his wife, Lisa, oversee their own financial responsibilities, which include caring for six children ranging in age from six to 22?來(lái)源：考試大
凱斯和他妻子麗莎(Lisa)有六個(gè)孩子，年齡從6歲到22歲不等，要照顧這么一大家子人，凱斯夫婦自己是如何理財(cái)?shù)哪兀?br />
With clear priorities, patience, and long-term plans that center around stocks, savings, controlling expenses, avoiding debt, and sharing with those less fortunate.
總結(jié)起來(lái)是這么幾句話：主次分明，要有耐心，長(zhǎng)期投資，股票為主，堅(jiān)持儲(chǔ)蓄，控制開(kāi)支，避免負(fù)債，關(guān)心弱者。
’I still stay primarily equity-oriented,’ says Mr. Kays. ’We save a pretty high percentage of our income that has approached 20%; charitable giving is important, and we do things to keep our expenses low.’本文來(lái)源:考試大網(wǎng)
“我的.投資依然以股票為主。”凱斯說(shuō)，“我們把收入的很大一部分存起來(lái)，現(xiàn)在已接近20%，慈善捐款也很重要，同時(shí)我們努力降低自身的開(kāi)支。”
Not everyone can achieve such a financial balance, of course, and indeed, the Kays family came to it the hard way. ’I don’t like financial pressure,’ he says. ’I don’t ever want to put myself under financial pressure. I’ve been there before and it’s a horrible feeling.’
當(dāng)然，并非每個(gè)人都能實(shí)現(xiàn)這樣一種財(cái)務(wù)平衡，凱斯一家能走到今天這一步，也是有經(jīng)驗(yàn)教訓(xùn)的。“我不想在財(cái)務(wù)上給自己太大壓力，”凱斯說(shuō)，“不想被債務(wù)壓得喘不過(guò)氣來(lái)，我以前經(jīng)歷過(guò)那種狀況，感覺(jué)非常糟糕。”
Accordingly, Mr. Kays keeps his money matters simple. He wants to be financially independent by age 65, which is why almost all of his retirement portfolio is given to individual stocks, stock mutual funds and exchange-traded funds, and alternative, hedge-fund-like investments.
有鑒于此，凱斯努力保持家庭理財(cái)?shù)暮?jiǎn)單化。他的目標(biāo)是在65歲時(shí)實(shí)現(xiàn)財(cái)務(wù)自由，正因如此，他的退休計(jì)劃幾乎全部投資于個(gè)股、股票基金、交易所交易基金(ETF)，以及類(lèi)似對(duì)沖基金的一些另類(lèi)投資。
’Money that we’ve got in equity-type investments is longer-term money,’ he says. ’I still have a tremendous amount of confidence that over a long period of time the stock market is going to give you the highest return.’
“我們投資于股票型品種的錢(qián)都是長(zhǎng)期資金。”凱斯說(shuō)，“從長(zhǎng)期來(lái)看，股市的投資回報(bào)率最高，對(duì)這一點(diǎn)我依然堅(jiān)信不疑。”
Strong Values
投資理念
At home, the family talks openly about saving, investing and giving. A set amount of household income is always donated to charity. Mr. Kays and his wife try to instill a strong sense of the value of a dollar and how easily wealth can slip away. His children’s investments in stocks suffered in the market’s meltdown, and Mr. Kays says he sees the losses as a valuable lesson for the children that will keep them from taking excessive risks with money later.
凱斯一家開(kāi)誠(chéng)布公地討論儲(chǔ)蓄、投資和捐款事宜，他們把一個(gè)固定比例的家庭收入作為慈善捐款。凱斯和妻子在努力灌輸一種節(jié)約和千金易散的理念。凱斯幾個(gè)孩子的股票帳戶(hù)在此次金融危機(jī)中損失慘重，但他認(rèn)為這些損失給孩子們上了寶貴的一課，讓他們今后避免過(guò)度投資于風(fēng)險(xiǎn)較高的資產(chǎn)。
The couple mostly see eye-to-eye about finances. ’We’re both pretty thrifty,’ he says. ’If my wife tells me she spent something, I never question it because I know it was necessary.’www.Ｅxamda.CoM考試就到考試大
凱斯夫婦在理財(cái)方面可謂心有靈犀。“我們倆都很節(jié)儉，”凱斯說(shuō)，“如果我妻子說(shuō)她買(mǎi)了什么東西，我從不提出異議，因?yàn)槲抑滥强隙ㄊ菓?yīng)該買(mǎi)的。”
Adds Mr. Kays: ’We have a nice house; we have nice cars, but beyond that we don’t live an extravagant lifestyle. For me, a mid-life crisis is a red minivan.’
麗莎說(shuō)：“我們有一棟很好的房子，有很好的車(chē)，但除此之外，我們的生活方式并不奢侈。對(duì)于我來(lái)說(shuō)，中年危機(jī)就是我買(mǎi)了一輛紅色的商務(wù)車(chē)。”
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