TMM第九章读书笔记：第四小步－把15%的收入存入“退休金”

月寒亭 2061 浏览 2021-02-05 发布

*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）。

３. 在Roth IRA中建立投资组合

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: