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给年轻人的理财建议 – 译学馆
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给年轻人的理财建议

The money advice every millennial needs to hear | CNBC Make It

我每月存款够吗?
Am I saving enough per month?
我该花多少钱?
How much should I spend?
你大概在什么年纪会申请抵押贷款?
Roughly at what age should you be looking to get a mortgage?
租房子还是买房子呢?
Rent or buy?
储蓄还是投资呢?
Save or invest?
停止每天喝咖啡还是集中精力干大事呢?
Cut out the daily coffee orconcentrate on the big stuff?
当涉及到钱的时候
When it comes to money,
有太多指导用钱的方法
there is so much guidance out there,
但很难知道从哪里开始
it can be difficult to know where to start.
因此 我们来到了新加坡的Money 2020
So we’ve come to Money 2020 in Singapore,
一个由世界顶级金融专家组成的会议
a meeting of some of the world’s leading finance experts,
向他们提出一些你的问题
to put to them some of your questions.
哪一项是目前最好的投资?
Which is the best investment for now?
好吧 实际上 我不知道
Well,actually, I don’t know
如果有一种特别的方式 我会说投资你的钱
if there’s one particular way I ’ d say to start investing your money.
我认为最重要的是开始
I think the most important thing is to start.
现在有这么多的资源可以利用
Nowadays there’s so many resources that you can take advantage of.
我的想法和建议是 投资的多样化
My thoughts and advice would be, diversify it.
确保投资的是你信任的项目
Make sure that you’re investingin things that you believe in,
而不是去投资别人信任的项目
as opposed to investing in thingsthat other people believe in.
我想知道更多
I’d love to find out more about how
如何投资资金的方法 无论是
to best invest my money, whether it’s in,
我不了解 比特币吗?
I don’t know, bitcoin?
首先 我不是加密迷
First of all, I’m not a crypto fan.
但是实际上我的外甥问了我关于这方面的事
But actually my nephew asked me about this.
我说 这是一个很好的学习机会
And I say, it’s a great opportunity for you to learn.
尽可能多地投资 并享受其中的乐趣
Invest as much as you can lose, and have fun with it.
别指望能一本万利
Don’t expect to put in a buck and make a hundred.
我会对有形资产 房地产提出更多的建议
I would advise more on tangible property, real estate,
这些东西在历史上
those things that seem to, over history,
长期来看似乎总是增值的
always have some mannerof long-term appreciation.
你大概在什么年纪会申请抵押贷款?
Roughly at what age should you be looking to get a mortgage?
我认为 早点投资是个好主意
From my perspective, startingearly is a fantastic idea.
这也可能是间接的
That could be indirectly, too.
有不同的投资工具 比如说 REITS
There’s different investmentvehicles, there’s REITS,
还有对房地产有风险的互惠基金
there’s other mutual funds that
这些促使你开始投资
have exposure to real estate that kind of get you started.
这取决于你想什么时候使用它
It really depends on when do you want to use it.
所以如果你是为自己买房子
So if you’re buying a house for yourself
而且你能买得起
and you can afford it, then absolutely
那就只管去买
go ahead and start buying it.
但你如果只是因为别人都在谈房产
But I think if it’s just for the sake of parking your money
就把钱投进去试试
and seeing whether it’s going to be because everybody else is talking about it,
那么我会谨慎的
then I would caution against it.
至少持币观望
At least setting money aside, preparing to do that,
我认为这是一个好习惯
I think it is a good habit.
房地产市场也有轻微的起伏
The housing market has also slight ups and downs,
所以当时机合适的时候 你已经准备好资金了
so when the timing’s right at least you have the funds ready.
我在48岁时买了第一套房产
I bought my first property at age 48.
所以我的建议是
So my advice is,
在适合自己的时候买房
at the stage that makes sense for you
不用担心跟不上邻居的步伐
and not worrying aboutkeeping up with the Joneses.
我每月储蓄占总收入的百分比该是多少?
What percentage of my total income should I be saving every month?
我可能不是问那个问题的人
I’m probably the wrong person to ask that question,
但我的思想哲学是
but here’s my philosophy:
你想把钱花得好像明天就是世界末日
You want to spend as ifyou’re going to die tomorrow,
或者你想把钱存起来
and you want to save
好像你会活到世界尽头
as if you’re going to live for tomorrow.
无论税务机关允许的
Whatever the tax authority allows
最大税前投资额是多少
in terms of the maximum pre-tax investment you can make,
你都应该尽可能投资
you should be maxing that out.
每个人都必须自己做决定
Everybody has to make their own decisions.
你知道的 我想说
I’d say at least, you know,
投资至少收入的10%到20%
10 to 20 % of your income.
以后你会感谢自己的
You’ll thank yourself later on.

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视频概述

本视频提出年轻人应该如何投资和理财

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翻译译者

杜若

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审核员_DY

视频来源

https://www.youtube.com/watch?v=HwUf00Qx9co

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