職場雙語：投資專家如何為自己理財
Scott Kays just celebrated his 50th birthday and, like most people his age, is juggling career, family, mortgage payments, and other facts of daily life. He also makes sure that his investments and retirement goals are on track, and volunteers at his church and in his community.
斯考特•凱斯(Scott Kays)剛剛過了50歲生日，和大多數同齡人一樣，他疲于應付事業(yè)、家庭、房貸和各種家�，嵤�，也時刻盯著他的投資帳戶和退休計劃，確保一切處于正軌。此外，他還在自己所在的社區(qū)和教堂從事志愿工作�？荚嚧螅珖畲蠼逃惥W站(www．Examda。com)
Many people in Mr. Kays’s situation would hire a financial adviser to tell them where to put their money and how to handle savings, investments, taxes and household expenses to secure their financial future.
很多與凱斯情況相似的人都會聘請一個財務顧問，后者建議把錢投到什么地方，如何處理存款、投資、稅收和家庭支出，以保證未來的財務健康。
But Mr. Kays is a chartered financial analyst. He started his Atlanta-based investment-management business 25 years ago and now directs about $140 million of his clients’ wealth. Over the years, he has seen just about everything the financial markets can dish out. It’s his job to strategize with clients and counsel them. 但凱斯是個有特許資格的金融分析師，25年前在亞特蘭大開始從事投資管理工作，現在為客戶管理著約1.4億美元的資產。這些年來，他已經幾乎看遍了金融市場可能發(fā)生的各種事情。他的工作就是協(xié)助客戶制定投資策略，提供理財建議。
So how do Mr. Kays and his wife, Lisa, oversee their own financial responsibilities, which include caring for six children ranging in age from six to 22?來源：考試大
凱斯和他妻子麗莎(Lisa)有六個孩子，年齡從6歲到22歲不等，要照顧這么一大家子人，凱斯夫婦自己是如何理財的呢？
With clear priorities, patience, and long-term plans that center around stocks, savings, controlling expenses, avoiding debt, and sharing with those less fortunate.
總結起來是這么幾句話：主次分明，要有耐心，長期投資，股票為主，堅持儲蓄，控制開支，避免負債，關心弱者。
’I still stay primarily equity-oriented,’ says Mr. Kays. ’We save a pretty high percentage of our income that has approached 20%; charitable giving is important, and we do things to keep our expenses low.’本文來源:考試大網
“我的.投資依然以股票為主。”凱斯說，“我們把收入的很大一部分存起來，現在已接近20%，慈善捐款也很重要，同時我們努力降低自身的開支。”
Not everyone can achieve such a financial balance, of course, and indeed, the Kays family came to it the hard way. ’I don’t like financial pressure,’ he says. ’I don’t ever want to put myself under financial pressure. I’ve been there before and it’s a horrible feeling.’
當然，并非每個人都能實現這樣一種財務平衡，凱斯一家能走到今天這一步，也是有經驗教訓的。“我不想在財務上給自己太大壓力，”凱斯說，“不想被債務壓得喘不過氣來，我以前經歷過那種狀況，感覺非常糟糕。”
Accordingly, Mr. Kays keeps his money matters simple. He wants to be financially independent by age 65, which is why almost all of his retirement portfolio is given to individual stocks, stock mutual funds and exchange-traded funds, and alternative, hedge-fund-like investments.
有鑒于此，凱斯努力保持家庭理財的簡單化。他的目標是在65歲時實現財務自由，正因如此，他的退休計劃幾乎全部投資于個股、股票基金、交易所交易基金(ETF)，以及類似對沖基金的一些另類投資。
’Money that we’ve got in equity-type investments is longer-term money,’ he says. ’I still have a tremendous amount of confidence that over a long period of time the stock market is going to give you the highest return.’
“我們投資于股票型品種的錢都是長期資金。”凱斯說，“從長期來看，股市的投資回報率最高，對這一點我依然堅信不疑。”
Strong Values
投資理念
At home, the family talks openly about saving, investing and giving. A set amount of household income is always donated to charity. Mr. Kays and his wife try to instill a strong sense of the value of a dollar and how easily wealth can slip away. His children’s investments in stocks suffered in the market’s meltdown, and Mr. Kays says he sees the losses as a valuable lesson for the children that will keep them from taking excessive risks with money later.
凱斯一家開誠布公地討論儲蓄、投資和捐款事宜，他們把一個固定比例的家庭收入作為慈善捐款。凱斯和妻子在努力灌輸一種節(jié)約和千金易散的理念。凱斯幾個孩子的股票帳戶在此次金融危機中損失慘重，但他認為這些損失給孩子們上了寶貴的一課，讓他們今后避免過度投資于風險較高的資產。
The couple mostly see eye-to-eye about finances. ’We’re both pretty thrifty,’ he says. ’If my wife tells me she spent something, I never question it because I know it was necessary.’www.Ｅxamda.CoM考試就到考試大
凱斯夫婦在理財方面可謂心有靈犀。“我們倆都很節(jié)儉，”凱斯說，“如果我妻子說她買了什么東西，我從不提出異議，因為我知道那肯定是應該買的。”
Adds Mr. Kays: ’We have a nice house; we have nice cars, but beyond that we don’t live an extravagant lifestyle. For me, a mid-life crisis is a red minivan.’
麗莎說：“我們有一棟很好的房子，有很好的車，但除此之外，我們的生活方式并不奢侈。對于我來說，中年危機就是我買了一輛紅色的商務車。”
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