是你的时候了吗 年度投资组合检讨?

The Greek philosopher Heraclitus once said, “The only constant in life is change.他的话听起来很真实,500年后:市场波动, 我们的生活改变了，我们的优先事项也改变了. 在这个瞬息万变的世界, an 年度投资组合审查 is a smart way to check in with your long-term goals and 重新审视你的预算 投资组合.

什么是an ? 年度投资组合审查?

比如年度体检, your 年度投资组合审查 can take place any time of the year; it’s meant to provide a look at your overall health – in this case, 你的财务状况. 事情看起来是否“健康”, a yearly look at your portfolio lets you reexamine your financial goals, 不管它是 为买房而存钱, or 为了上大学和退休.

You can check up on 你的财务状况 yourself, but working with a 财务顾问 can help you better understand market trends and how to maximize your investments for a richer future.

a是什么? 财务顾问?

财务顾问提供 对客户的财务指导. 他们的服务可能包括税务规划, 财富管理, 遗产规划, 投资管理. A 财务顾问 will also create and implement an investment strategy for you, 监控你的投资组合, 根据需要重新平衡你的资产.

Before working with a financial professional, be sure they are registered. 你可以在上面研究他们的状态 BrokerCheck, a database maintained by the Financial Industry Regulatory Authority (美国金融业监管局).

你会期待什么呢 年度投资组合审查

When you meet with a 财务顾问 for an 年度投资组合审查, it’s good to ask whether you’re on track and to see how your portfolio is doing vs. 整个市场，比如美国&比如p500. It’s also good to bring along your most recent financial documents, says 简·克鲁格，慢性疲劳综合症¹ 帕特尔科信用合作社的财务顾问. Here’s a list of what you might want to bring:

• Recent pay stubs (for both spouses, if applicable)
• 信用合作社和银行对账单
• 贵方的最新声明:
• 个人退休账户(传统、ROTH或教育)
• SEP, SAR-SEP或Simple ira
• employer-sponsored retirement plans, such as a deferred profit-sharing plan (DPSP), RP, or TAXCAP
• previous employer-sponsored retirement plans, including 401(k) and HR-10 Keogh plans
• 经纪账户
• 共同基金
• 其他投资帐户
• 人寿保险单
• 长期保险单
• 关于当前债务的详细信息，包括:
• 贷款余额
• 现行利率
• 每月最低还款额
• 付款日期(如适用)
• Any other documents significant to your current or future financial wellbeing

你的投资计划和生活事件 生活事件

不管是第一次还是第十次, your 年度投资组合审查 will follow a similar format. Your 财务顾问 will especially want to know if you’ve experienced any significant changes in your life, 如:

• 婚姻状况改变
• 生过或收养过孩子
• 你的孩子正在上大学或即将毕业
• 开始一份新工作
• 获得加薪
• 参加了 401K
• 开立个人退休账户
• 自己创业
• 买或卖房子
• 还清了 汽车贷款
• 退休
• 申请社会保障
• 处置金融资产
• 获得或继承的资产
• 收到保险理赔
• 创造或改变你的意志或信任
• Have a family member who passed away or became disabled

讨论的其他主题 在你的年度投资组合审查中

除了生活中的重大事件, your 财务顾问 will probably want to cover the following topics with you:

• 你的目标. How have your financial goals changed in the past year? 无论你是想买新房, 支付大学学费, 或者遗产规划, you’ll want to discuss your current goals with your advisor.
• 每月的费用. “你的预算每年都在变化, so we’ll always review your monthly income and expenses,克鲁格说。. This will not only keep your budget on track, but also help with your retirement planning.
• 退休的目标. 每年, you and your 财务顾问 will review your retirement plan, 考虑你每月的固定开支, 当前价值和你的风险承受能力, to make sure you’re still on track to meet your goals. Depending on your age, your advisor may also bring up topics like long-term care. “We usually start this discussion with clients in their 50s and 60s,克鲁格说。. You can work with your advisor to decide whether self-insurance (where you invest money to be used for long-term care later in life) or insurance is the better option for you. “Self-insuring won’t be appropriate for everyone, particularly if you can’t afford it or if you don’t have heirs. If that’s the case, we’d recommend that you spend down your estate to cover those costs, instead.”
• 保险政策. Your 财务顾问 may review your life insurance options, especially if your family is growing. They will also want to know if any existing policies are about to mature or expire.
• 你的风险承受能力. 市场波动会让你焦虑吗? 你快退休了吗?? Sharing this information with your 财务顾问 can help you create an investment portfolio that suits your personality and overall goals.

It’s important to take the time to have a financial check-up once a year to make sure you’re on track with your finances. A 财务顾问 can help you refine your portfolio to prepare for the future and protect your loved ones if the unlikely happens.

Members of 帕特尔科信用合作社 have complimentary access to 财务顾问 通过CUSO Financial Services, L.P. (CFS). They’re available to discuss your unique needs and create a plan that will help you achieve your financial goals.