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This article was originally published in Wedgewood Life magazine and is reprinted with their permission.
Happy New Year! As the calendar flips and a New Year begins, 许多人开始考虑他们即将到来的一年的决心,比如更好地照顾自己, spending more time with loved ones, or learning a new hobby. 研究表明,当一个人花时间写下他们的目标时,他们实现目标的可能性会增加50%. 然而,只有3%的成年人真正把笔放在纸上写下他们的目标. 另一个发人深省的数据是,92%的新年目标在当年的1月15日之前就失败了.
设定任何目标的第一步都是建立一个 Specific Measurable Achievable Relevant Time-Bound (SMART) goal. As American poet, Bill Copeland said, “没有目标的麻烦在于,你可能一辈子都在场上跑来跑去,却永远无法得分.”
Let’s apply this to your personal finances. 一些常见的个人财务目标包括退休计划, planning for a young family, or overall estate planning. For example, 退休的目标可能是在未来10年内退休,同时保持你现在的生活方式. 通过应用SMART参数,我们定义了具体的目标. 下一步是衡量你目前的财务状况, including assets and liabilities, current income, expenses, and savings. Next, 做一些合理的前瞻性假设,预测在你的时间框架内实现目标的可能性.
年轻家庭的一个目标可能是确保家庭有能力偿还抵押贷款,并在不幸发生时为孩子的教育提供资金. 对于那些积累了财富的成功人士, a goal could be to ensure that their heirs, and the institutions they chose, receive future assets in a tax-efficient manner.
设定和实现财务目标的过程是相同的,无论是围绕退休计划, planning for a young family, or overall estate planning. While this sounds straight forward enough, 成功的人知道一天只有那么多时间,个人也只能完成那么多. 在这方面,顾问可以发挥关键作用,为目标提供清晰度和可问责性, establishing a pathway, and monitoring financial progress.
92%没有实现新年目标的人并不是故意要失败的. 但如果没有计划,他们更有可能失败. As it relates to financial affairs, 如果你想成为那8%成功人士中的一员,你需要制定具体的财务成功计划.
所讨论的材料仅供参考, and it is not to be construed as investment, tax, or legal advice. Individual situations can vary, therefore, 当与个人专业意见相协调时,应依赖此信息.
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