Несколько сотен американских пенсионеров спросили, чтобы они хотели посоветовать своим внукам? И вот перед вами 10 наиболее популярных ответов.
Grandma and grandpa probably dish out advice on how to bake mouth-watering chocolate-chip cookies or how to change your own oil, but have they shared their wisdom on how to manage your money? If they’ve been mum so far, now’s your chance to get that advice (without a 25-minute phone call that first features a play-by-play of today’s shuffleboard tournament — we love you guys, but you sure can talk!).
Bankers Life and Casualty Company Center for a Secure Retirement released a survey today showing what middle-income retirees say is their top financial advice for the younger generation. Here are the top 10 things retirees said they think we should know (and some of my thoughts below them):
1. Start saving early (93% said this was an important piece of advice)
Translation: Start N-O-W.
2. Contribute to a retirement account at work (83%)
As one of the people surveyed put it, “save for retirement, no matter how little money you think you have.” Call HR if you aren’t sure how to enroll in your company’s retirement plan.
3. Do more planning (61%)
If you aren’t sure how to create a written financial plan.
4. Invest conservatively (39%)
To figure out how best to invest for your age and risk tolerance, it’s usually best to consult a financial adviser, if you can (see #5 below). That said, here are some rough guidelines. Don’t take “invest conservatively” to mean that you should avoid the stock market; instead, take it to mean that you should make sure you have proper asset allocation and diversification for your age and risk tolerance. If those words are foreign to you, it might not hurt to grab a personal finance book and delve into the basics of investing. (I know, probably not what you had in mind for your summer, but come on people, being old and poor isn’t exactly all that great either.)
5. Get professional advice (37%)
You can find a list of financial advisers at NAPFA.org, and companies likeLearnVest.com offer low-cost investing advice.
6. Live frugally (30%)
You all, no doubt, know how to do this. It’s just a matter of doing it. And that’s a different animal …
7. Work as long as you can (22%)
Or just save enough so you can retire early and only work because you want to!
8. Spend your money while you are healthy(11%)
But at the same time, don’t end up old and broke!
9. Don’t worry so much, it will all work out(9%)
Easier said than done, grandpa, but we’ll try.
10. Spend your time wisely (2%)
Are you currently G-chatting all your friends at work? Yeah, that’s probably not what they mean …
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