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他山之玉可以攻石从美国人的存钱误区学理财

时间：2022-07-03 06:48:32 理财我要投稿

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　　The savings mistakes range from directly buying company stock to not saving for retirement.Here are the worst savings mistakes that you may be making:存钱的误区有很多，包括直接购买公司股票、放弃存储退休金等。下面列举一些大家可能正在迈入的存钱误区：

　　1.You don't have a savings account.没有储蓄账户

　　Just 51 percent of American families have a savings account, according to the Fed's survey. Having a savings account is critical for being able to save over the long term.根据美联储调查，仅有51%的美国家庭拥有储蓄账户。从长远考虑，拥有储蓄账户对于存钱非常重要。

　　2.You aren't saving for retirement.放弃储蓄退休金

　　Only 35 percent of families have an employer retirement plan, 28 percent of them have an individual retirement account (IRA), and 13 percent have both types of accounts, according to the Fed's survey.根据美联储调查显示，仅有35%的美国家庭可以享受企业养老金计划，28%的家庭拥有私人养老金账户(IRA)，13% 的家庭两种都有。

　　3.You have bought a few stocks directly from the stock market.直接从股市购进股票

　　29 percent of families directly hold one stock, and 53 percent of families directly hold 2 to 9 stocks, according to the Fed's survey. People that aren't investing for a living are likely to lose money by buying individual stocks because they are being outsmarted by professional traders, high-frequency traders, and professional investors that have studied companies' fundamentals closely. Diversification, on the other hand, insulates you from individual companies' mistakes and allows you to benefit from the economy's general growth.根据美联储调查显示，29%的家庭直接持有一支股票，53%的家庭直接持有2到9支股票。为投资获利而购买个股很容易赔钱，因为一般人很难胜过专业人士，这些职业操盘手、高频交易员和职业投资人早已把各个公司的经营状况仔细研究过了。从另一方面来讲，多元化的投资方式会让你免受私人企业失误的牵连，而且会让你享受整体经济增长所带来的好处。

　　4.You chose your bank because it is close to you, not because of what it has to offer.选择银行只为方便，而不是它为你所带来利益。

　　46 percent of households said they chose the location of their checking account because of the "location of their offices," according to the Fed's survey. Convenience is good, but it's even better to not have to pay crazy fees.根据美联储调查显示，46%的家庭表示他们选择存款银行的依据是“公司所在地”。方便固然很好，但是如果还不用缴纳高额的费用岂不是更好。

　　5.You don't have a checking account.没有活期存款

　　10 percent of families do not have a checking account, 59 percent of whom are in the bottom income quintile, 51 percent are headed by someone younger than age 45, and 66 percent of whom were minorities, according to the Fed's survey. Having a checking account is important for keeping track of your finances.根据美联储调查显示，全国10%的家庭没有活期存款，其中的59%都是收入最低五分之一家庭，另外51%为年龄在45岁以下人口，在这群人中，66%为少数裔。拥有活期存款对于保证自己的财政状况非常重要。

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