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退休计划已不象以往那样简单,几乎每个人都追求财务上的独立,但资金及其它因素使得这一目标变得越来越难以实现。进行资产配置是关系到退休生活能否在经济上得到保障的战略性的一环。个人投资者在他们的会计师的帮助下,应当认识到如何通过退休计划的收支方案来正确配置为退休准备的资金。资产配置是投资者将证券投资分布在货币市场的工具。债券、股票、房地产等现有资产类别上的一个过程。选择多元化的正确的资产组合是长期投资业绩的单个最重要的决定性因素。
Retirement plans are no longer as simple as ever, with almost everyone pursuing financial independence, but funding and other factors make it more and more difficult to achieve that goal. The allocation of assets is a strategic part of whether retirement can be economically guaranteed. With the help of their accountants, individual investors should realize how to correctly allocate funds for retirement through the income and expenditure plan of the retirement plan. Asset allocation is a tool for investors to distribute securities investment in the money market. Bonds, stocks, real estate and other existing asset classes on a process. Choosing the right portfolio of diversification is the single most important determinant of long-term investment performance.