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  • Am I saving enough per month?

    我每個月存下的錢夠多嗎?

  • How much should I spend?

    我應該花多少錢?

  • Roughly at what age should you be looking to get a mortgage?

    大概要在幾歲的時候開始貸款?

  • Rent or buy?

    租房還是買房?

  • Save or invest?

    儲蓄還是投資?

  • Cut out the daily coffee or concentrate on the big stuff?

    該中斷每日一杯咖啡的習慣,還是把眼光放遠?

  • When it comes to money, there is so much guidance out there, it can be difficult to know where to start.

    一談到錢,就有各種說法和依據,從何起步可能變得困難。

  • So we've come to Money20/20 in Singapore, a meeting of some of the world's leading finance experts, to put to them some of your questions.

    所以今天我們來到位於新加坡的 Money20/20 金融科技創新大會,拜見許多引領全球的財經專家,聽聽他們怎麼回答這些問題。

  • Which is the best investment for now?

    哪一種投資方法最好?

  • Well, actually, I don't know if there's one particular way I'd say to start investing your money.

    其實我認為投資起步並沒有特定一種方式。

  • I think the most important thing is to start.

    最重要的是你要著手開始去做。

  • Nowadays there's so many resources that you can take advantage of.

    我們現在有太多資源可以利用。

  • My thoughts and advice would be, diversify it.

    我的想法和建議是,讓投資組合多樣化。

  • Make sure that you're investing in things that you believe in, as opposed to investing in things that other people believe in.

    要確定你是把錢放在自己所相信的投資,而非他人所相信的投資。

  • I'd love to find out more about how to best invest my money, whether it's in, I don't know, bitcoin?

    我很想多了解如何做最有效的投資,比方說比特幣?

  • First of all, I'm not a crypto fan.

    首先我必須說,我並不熱衷加密貨幣。

  • But actually my nephew asked me about this.

    但其實我的外甥有問過我這個問題。

  • And I say, it's a great opportunity for you to learn. Invest as much as you can lose, and have fun with it.

    而我說,這是個學習的大好機會。你願意承擔多少風險,你就投入多少錢,並讓自己玩得開心。

  • Don't expect to put in a buck and make a hundred.

    別期望能花小錢賺大錢。

  • I would advise more on tangible property, real estate, those things that seem to, over history, always have some manner of long-term appreciation.

    我比較建議投資在有體財產上,例如不動產,這類會隨著時間長期增值的項目。

  • Roughly at what age should you be looking to get a mortgage?

    大概要在幾歲的時候開始貸款?

  • From my perspective, starting early is a fantastic idea.

    就我的觀點來看,及早開始是很棒的。

  • That could be indirectly, too.

    也有可能是間接融資。

  • There's different investment vehicles, there's REITS, there's other mutual funds that have exposure to real estate that kind of get you started.

    有不同的投資媒介像是不動產投資信託基金 (REITS),也有其他共同基金中包含不動產的項目作為標的。

  • It really depends on when you want to use it.

    這真的要看你什麼時候會用到它。

  • So if you're buying a house for yourself and you can afford it, then absolutely go ahead and start buying it.

    假設你要替自己買房並能自己負擔,那當然好,著手開始吧!

  • But I think if it's just for the sake of parking your money and seeing whether it's going to be because everybody else is talking about it, then I would caution against it.

    但如果只因為其他人也都這麼做就把錢轉為不動產,那我會警告你別輕易跟風。

  • At least setting money aside, preparing to do that, I think is a good habit.

    至少我認為撥一點錢為此做準備就是個好習慣了。

  • The housing market has also slight ups and downs so when the timing's right at least you have the funds ready.

    房地產市場也會有些微波動,所以等時機一到,你至少已經有資金。

  • I bought my first property at age 48.

    我 48 歲時購入了我的第一間房產。

  • So my advice is, at the stage that makes sense for you and not worrying about keeping up with the Joneses.

    所以我的建議是:只要是你認為合理的時間點,且無需擔心與身邊朋友比較就好。

  • What percentage of my total income should I be saving every month?

    我每個月應該存下總收入的百分之多少呢?

  • I'm probably the wrong person to ask that question, but here's my philosophy:

    我大概不是回答這題的最佳人選,但我的理念是:

  • You want to spend as if you're going to die tomorrow, and you want to save as if you're going to live for tomorrow.

    花錢要花得像明天就要死去,存錢要存得像在為明天做準備。

  • Whatever the tax authority allows in terms of the maximum pre-tax investment you can make, you should be maxing that out.

    稅務機關允許的最大稅前投資額為多少,你就該存下多少。

  • Everybody has to make their own decisions.

    每個人都要為自己做選擇。

  • I'd say at least, you know, 10 to 20% of your income.

    我會說,至少存下你收入的 10% 到 20%。

  • You'll thank yourself later on.

    你日後會感謝自己的。

Am I saving enough per month?

我每個月存下的錢夠多嗎?

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投資難,不難?千禧世代必看的理財建議! (The money advice every millennial needs to hear | CNBC Make It)

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    Celeste 發佈於 2019 年 06 月 29 日
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