Name: あなたの余分な現金を賢く投資する方法 (How To Invest Your Extra Cash Wisely)
Uploaded: 2021-01-14T08:54:27.000Z
Duration: 4 min 56 s
Description: VoiceTubeの動画で発音を聞きながら英語表現を覚えよう！学べる英語：

命令形

Let's say you get a windfall thanks to your excellent contributions to your employer like

過去形

me, or even inherited a chunk of change from your distant uncle, or you found a few grand

in a suitcase on a side of the highway, whatever.

Let's figure out what to do with that extra scratch.

It's not easy to make sense of your finances.

I'm Shahien Nasiripour, and I want to meet people with an obsession to beat the system

And who better to tell me what to do with my money than a finance expert?

And luckily enough, I've got three of them right here.

So we've got some extra money burning holes in our pockets.

If you've got a 15% credit card or a 23% credit card, and at the same time you've got a three

or 4% student loan hanging out there, we might be looking at your credit cards first and

think about where those dollars are best spent going forward.

Right now, we're concerned about the highest costing dollar.

Your credit card is a debt that is typically based on money that you've already spent.

You'll hear financial planners often talk about an emergency fund.

Then you'll hear them all say, "Three to six months is what you need."

Three to six months of your living expenses in cash.

So the most important thing about portfolio construction is understanding which risks

So if you bought 100% of one individual stock and then that business goes out of business,

If you're not equipped to handle the inevitabilities of markets going down and economic cycles

turning over, you better reassess your situation.

So you don't have to be emotionally impacted by these types of events.

Ideally, these will be diversified mutual funds, index funds, diversification, diversification,

Make sure that you do have some fixed income in the portfolio even though fixed income

is not going to give you the rate of return that stock market does.

It's not there to make you rich, but it's there to help you sleep at night.

How much volatility are we talking about when it comes to what allows you to sleep at night?

If your bonus has a sizable tax impact or even takes you into a higher tax bracket,

check to see if your employer has a deferred compensation plan.

The advantage of that is that your compensation, this bonus that you'll receive is not taxed

too, but goes into an account which will only be taxed to you when you begin taking the

So you've paid off your debt and built a solid rainy day fund.

If you're anything like me and terrified about managing your money, you may want to hire

Let's ask Bloomberg Reporter Suzanne Woolley about what we should be looking for if we're

Fees, sometimes, we might not pay so much attention to it because sometimes they don't

Over the years, they really can mushroom and eat away at your investment, particularly

if we're going into a slower growth environment.

A lot of people like fee-only planners, and part of that is just because it's so transparent.

The real key is just to be very upfront and ask your planner, "What are your fees?

This means that they have to sell you the product that is in your best interest.

Maybe it's time for a financial tuneup, and for you, maybe that's saving cash or paying

But personal finance is personal, so see what's right for you.

字幕リスト動画再生

あなたの余分な現金を賢く投資する方法 (How To Invest Your Extra Cash Wisely)

individual

obsession

impact

structure