课程: Financial Basics Everyone Should Know

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Continue your financial education

Continue your financial education

课程: Financial Basics Everyone Should Know

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Continue your financial education

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- In this course, we've covered a range of financial basics, from personal savings to making investments, to insurance and retirement. Let's go over the key points I want you to take away. First, in general, you're better off picking a portfolio allocation that meets your financial return expectations without taking on too much risk. Second, it's a good idea to choose a combination of stocks and bonds based on something like the age rule of thumb. Whatever your age is, that's how much most of us should have invested in bonds. It's usually a bad idea to have all of your savings in either stocks or bonds. Third, if you pick a healthy asset allocation, when you reach retirement, you should be able to withdraw 4% of your retirement savings every year, and never run out of money no matter how long you live. To figure out how much you need to retire, simply multiply what you expect to spend every year by 25. Fourth, always remember that not all stocks are created equal. While the average…

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