Investieren in großen finanziellen Ziele, Abney Associates Ameriprise Financial Advisor

Go into your yard and dig a big hole. Every month $ 50 to throw into it, but let no money not until you are ready to buy a home, send your child to college or to retire. It sounds a bit crazy, is not it? But that's what has to be set investment without clear goals. If you're lucky, you may end up with enough money to meet your needs, but you have no way of knowing.


The first step in investing is defining your dreams for the future. Spend if you are married or in a long term relationship, discuss some time together your individual and joint goals. It is to be as specific as possible. For example, you may know that you retire, but if you want? If you want to send your child to college, which means an Ivy League school or community college on the street?

You will end up with a list of goals. Some of these goals are long-term (more than 15 years, you have to plan), some are short-term (5 years or less to plan), and some will (between 5 and 15 years plan). You can then decide how much money you need to collect and investments can best help you achieve your goals. Remember, though, that it is that all investment strategy will be successful no warranty and all that entails investing risk, including the possible loss of principal.


After a hard day at the office, do you ask, "It's time to retire yet?" Retirement may seem a long way, but it's never too early to start planning - especially if you want to be your retirement a safe. The sooner you begin, do the more chance you have time to let some of the work your money grow.

Suppose your goal is to put older than 65 with $ 500,000 in your pension fund to rest. 25 You want the age to contribute $ 250 per month of your company 401 (k) plan. If your investment 6 percent yearly, monthly, earned strengthened them to spend more than $ 500,000 if you go into your Account 401 (k) retirement. (This is a hypothetical example, of course, and does not represent the results of certain investment instruments.)

But what would happen if you left things that chance instead? Let's say you wait until you are 35 to start investing. Assuming you contributed the same amount to your capital accumulation benefits and the return on your investment dollars was the same, you end up with only about half the amount in the first example. But it is never too late to work towards your goals, as you can see, early decisions can have enormous consequences later.

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