Bear Review Westerners told us to make money in two ways

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After 80 goals 2,Ugg Australia Outlet,000,000 yuan pension money how to raise
Expert: China targets or may be 2 million yuan, combined with national conditions and investment banking
The U.S. pension after 80 goals, should be set at $ 2 million? Yesterday, one from Los Angeles, the U.S. pension plan ahead for 80 investment banking professionals survey article caused heated debate. Mentioned in the article: 77% of the investment consultant recommended pension after 80 should aim at $ 2,000,000, and 80 after the investment habits and attitudes are investigated as well. Relevant conclusions on China after 80 without reference? One financial reporter invited back funds from Wall Street analysts, and pension insurance at the forefront of senior experts contrast Comments (text referred to respectively as Li assessment, Bear assessment).
A beautiful goal after 80 $ 2 million endowment
Reference: China may be 2 million yuan or
Survey According to Money Weekly reporter from the bottom of Los Angeles, The United States does not seek to get rich after 80 months earned retirement investment 500 2000000, 2010 Scottrade 226 investment advisers participated in the preparations for the U.S. survey of pension after 80 , of which 77% of the investment consultant recommended a pension after 80 goals should be $ 2,000,000. U.S. financial experts believe that after 80 though still young, but to do long-term consideration for retirement should be started when the reference index
Li assessment of life in the United States nine years, worked at Wells Fargo Funds of hedge funds on Wall Street chief overseas investment analyst Li Jun believes that this goal for the United States the average person probably a little high. How much is enough for retirement? Rural and New York in the United States are not the same. Even by the standards of living in New York, assuming personal life 90 years old, and that after retirement from 60 years to 30 years, the equivalent of $ 2 million a year more than 60,000 U.S. dollars, according to the current price is more than enough - the U.S. average worker annual household income is $ 450,000,ugg boots outlet, but also pay taxes, individuals receive a monthly retirement pension hand that is about $ 1000 to $ 2 million if the target and then placed in China, even taking into account the level of consumption tier cities, where basic health care, social security the premise, apparently a reference index more high
Bear assessment Nanjing first foreign insurance agents, insurance third-party insurance services department Yong Xiong also believe that this goal is equivalent to nearly 13 million yuan, is not in line with China's national conditions. However, if the target of 2 million yuan, and that the number of 70, after 80, the part with the goal can be operational for about 10 years as a veteran experience, Yong Xiong in the case of exposure to rough statistics found that 60 , 70 buy endowment insurance, the general pay 120,000 years or so. 80 year after payment 68 thousand dollars. General annuity payment period of 20 years after retirement can receive benefits of approximately 300% of the total premium. In other words, assuming an average of 80 total premiums to buy Annuity = 140,000 yuan to 07,200 yuan, then the amount of their pensions total about 42 million. If you put this line insurance data as one of 80 pension reserves, it may target a fair distance from 2,000,000, require other investment channels to achieve wealth B US financial planner suggested that fixed investment goals
China can learn from its investment philosophy but be careful
Investigating how to start? U.S. financial experts believe that a person's life to save $ 2 million is a difficult task, but if the money saved will be used for investment, maybe it is not a particularly difficult task. The monthly fixed investment, and appropriately increase the pension reserve fund investment is a better choice. If the $ 10,000 base, invested $ 1,000 a month, according to financial market rate of return of 3% per annum, 40 years down the funding of up to $ 961,525. Invest $ 1,000 a month, according to the rate of return of 7%, 40 years down the funds up to $ 2,803,239. Of which $ 490,000 principal amount invested, investment income was $ 2,313,239 reference index
Lee Jun assessment that the United States is scheduled to vote on the financial planner for 40 years in return calculation is the basic set up, look at 8% annual return, almost nine years can double up. But he reminded everyone that 8% return on investment is more optimistic hypothesis - the U.S. stock market over the past one hundred years, the average annual rate of return plus dividends, also at more than 5%. But he fully affirmed scheduled to vote compounding Value: returns certainly better than one input, and that young people do not have much savings, fixed investment is more suitable reference index
Bear Review Westerners told us to make money in two ways: one, people make money; Second, money begets money. The Chinese people are accustomed to forward those that only do business only money begets money. In fact, financial but also money begets money, an important way. However, the past 10 years this concept gradually as ordinary people know. From the Boot money begets money concept, playing three stars. However, in terms of investment products,ugg boots sale, investment in the U.S. varies C shortcut: 401K stocks
Difficult to practice in line with China's national conditions temporarily
Surveys in the past 10 years the stock market ups and downs and economic crisis on the psychological impact after 80 relatively large. But the new study shows that 80 more popular choice in the investment market. U.S. 80 is the use of the most important investment instruments provided by the company to enter the stock market 401K retirement funds, according to U.S. Employee Benefit Research Institute survey, in 2010, more than 80% after 80 401K retirement account funds are invested in equities, while in 2000 20-year-olds only 70% of people 401K retirement account funds invest in stocks in 2006 Congress passed a law allowing employees to invest in a 401K retirement funds target investment on the use of time, that is the prime of life when a large number of investors invest in high risk stocks, the more approaching retirement portfolio more conservative. According to statistics, young people in the 20s investment portfolio is 90% invested in equities,ugg outlet, 10% in bonds. To 2060 they want to retire, portfolio investment accounts will be converted into stock and bond investments in each half, the risks are significantly low reference index
Li assessment of two U.S. pension, partly 401K, ie personal pension accounts, retirement desirability out; another part of government pensions. The former because more stable income,Ugg Outlet, the amount of investment for each person has a cap. The Chinese pension similar to the latter, has not yet formally invest in stocks. So it is difficult for short-term domestic 80 actual reference. However, he personally believes that the long term pension market reference index is not a bad thing
Bear assessment US stocks completely different. U.S. stock market is a mature market, investors can invest in a really good company to achieve long-term wealth; while China's stock market is too risky. Therefore, this data maybe in China is now upside down - 80% of 80, will not take the pension money stocks. Perhaps, through savings of financial products and real estate investment in China after 80 is more suitable.
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