妇女与财务策略
Women who share money management duties with their partner tend to take on a lion’s share of the responsibility for the household finances. Yet only 18% of women feel very confident in their ability to fully retire with a comfortable lifestyle.1,2
Although more women are providing for their families, 说到为退休做准备, they may be leaving their future to chance.
女性与大学
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. So what keeps them from taking charge of their long-term financial picture?3
其中一个原因可能是缺乏信心. One study found that only 55% of women feel confident in their ability to manage their finances. 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.4
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. To someone inexperienced in the field of personal finance, it may seem like an entirely different language.5
But women need to keep one eye looking toward retirement since they may live longer and could potentially face higher healthcare 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，利息6%, at the end of 20 years your account would be worth $801,784. 然而, 如果你等上10年, 然后开始你的投资计划, 最后你只会得到447美元,712.
This is a hypothetical example used for illustrative purposes only. It does not represent any specific investment or combination of investments.
1. Her钱.2022年4月12日
2. TransAmericaCenter.org, 2021
3. 布鲁金斯学会.edu, 2021年10月8日
4. CNBC.2022年6月8日
5. 401(k)的分配, 403(b), and most other employer-sponsored retirement plans are taxed as ordinary income and, 如果在59岁半之前服用, may be subject to a 10% federal income tax penalty. Generally, once you reach age 73, you must begin taking required minimum distributions.
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