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妇女与财务战略

Forty-four percent of American women are the primary breadwinner in their house.1 Yet only 10% of women feel very confident in their ability to fully retire with a comfortable lifestyle.2

Although more women are providing for their families, when it comes to preparing for retirement, they may be leaving their future to chance.

妇女和大学

The reason behind this disparity doesn't seem to be a lack of education or independence. Today, women are more likely to go to college and graduate than men.3 So what keeps them from taking charge of their long-term financial picture?

原因之一可能是缺乏信心. 在最近的一项研究中, 不到一半的超过2,000 women surveyed said they felt satisfied with their knowledge of finances.4 Women may shy away from discussing money because they don’t want to appear uneducated or naive and hesitate to ask questions as a result.

内部语言

Since Wall Street traditionally has been a male-dominated field, women whose expertise lies in other areas may feel uneasy amidst complex calculations and long-term financial projections. Just the jargon of personal finance can be intimidating: 401(k), 403(b), fixed, variable.5 To someone inexperienced in the field of personal finance, it may seem like an entirely different language.

But women need to keep one eye looking toward retirement since they may live longer and could potentially face higher health-care expenses than men.

If you have left your long-term financial strategy to chance, now is the time to pick up the reins and retake control. Consider talking with a financial professional about your goals and ambitions for retirement. Don’t be afraid to ask for clarification if the conversation turns to something unfamiliar. No one was born knowing the ins-and-outs of compound interest, but it’s important to understand in order to make informed decisions.

复利:什么是炒作?

Compound interest may be one of the greatest secrets of smart investing. And time is the key to making the most of it. 如果你投资250美元,000美元的账户收益为6%, at the end of 20 years your account would be worth $801,784. 然而, 如果你等了十年, 然后开始你的投资计划, 你最终只会得到447美元,712.

带闹钟的复利图

This is a hypothetical example used for illustrative purposes only. It does not represent any specific investment or combination of investments.

  1. CNBC.2017年1月19日
  2. TransAmericaCenter.org, 2017
  3. 《bet9app正版》2017年8月8日
  4. Time.2018年2月12日
  5. 分布在401 (k), 403(b), and most other employer-sponsored retirement plans are taxed as ordinary income and, 如果在59岁之前服用, may be subject to a 10% federal income tax penalty. Generally, once you reach age 70½, you must begin taking required minimum distributions.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见及 material provided are for general information, and should not be considered a solicitation for the purchase or 出售任何证券. 版权所有2021 FMG套件.

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