Financial Planning Made Easy 轻松财务规划

定期定额投资法(Dollar Cost Averaging, DCA) 又名“懒人理财术“是一种投资策略，
指在特定时间间隔（例如每月或每季度买入一次）投资相同的金额，
而不考虑资产价格的波动。

此策略的目的是为了规避资产的波动性对投资者最终收益造成的负面影响。

定期定额投资法的操作方法是以固定周期、
固定金额地投入资金买入某一种资产（如股票、基金、外汇、货物等），
而不是一次性投入全部资金。
无论资产的价格是高还是低，
投资者都投资相同的金额。

这意味着在市场价格高的时候，
投资购买的份额较少；
在市场价格低的时候，
购买的份额较多。

这样，
即便在买入资产后该资产出现下跌，
因投资者没有将全部资金投入，
所以损失较一次性单笔买入者少，
后期还可因低位买入进一步拉低平均成本。

定期定额投资法的优势之一是帮助投资者规遍市场波动，
减缓决策过程中的情绪影响，
同时避免将所有资金集中投入到市场的某个特定点，
从而降低单一时间点投入的风险。

此外，
此策略能够降低投资者犯错误时机的风险，
因为投资者不必“等”或“猜”所谓适当时机，
不需去挑选何时执行进入、
何时退出市场的指令。

在长期内，
资产价格可能会波动，
但定期定额投资可以在这些波动中建立均衡。

定期定额投资法适用于长期投资目标。
然而，
也要注意，
这种策略并不能保证盈利，
而是一种风险管理的方法。

这种策略要求投资者必须进行长线投资并忍耐可能发生的浮亏，
一旦投资者无法忍受浮亏或失去耐心因而停止投入或将资产卖出，
将可能造成亏损。

长线而言，
对于虽有波动但不断成长，
或是波动很大而成长不明显的资产，
定期定额投资法可以帮助投资者有效规避风险并获利；
但若一项资产长期的趋势是不断下跌的，
定期定额投资法的投资者仍然会亏损。

#轻松财务规划

什么时候应该开始投资？

通常来说，越早开始投资越好，因为时间是资产增长的关键。

在开始投资之前，必须先确保以下3件事，然后才考虑长期投资计划。

1）建立紧急储备
一般建议大约相等于6个月的生活支出。若你未有储蓄的话，可以把应急基金视作第一个储蓄目标。

2）清偿高息债务
不少人有信用卡债务在身，却仍然把钱拿去投资，而不是还卡债。由于信用卡年利率非常高，所以先还卡债肯定可以节省利息支出。

3）管理好日常收入与支出
通过每天记账以了解自己每个月的支出。如果发现日常开销大于收入，那么则需要在日常开销上进行小调整，比如减少购买非必需品，省去不必要的开支。

评估了个人财务状况之后，就可以开始制定长期的投资计划。
通过每个月定时定额投资的方式，可享平均成本法 (Dollar cost averaging) 的好处，而且这个方法也很适合投资新手以及上班族。

如果不确定如何制定适合自己的投资计划，最好咨询财务顾问获取个性化建议。

#轻松财务规划

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How much life insurance should you have?
Ask yourself:
1. Do you have any debts?
Your policy should cover the cost of paying them off.

2. Are you the household’s main source of income?
Your life insurance policy will need to replace your income.

3. How will your funeral costs be covered?
Do you have enough to pay for your funeral?

Talk to me, and I will work out how much you need for your life insurance.

Health insurance helps pay for your healthcare costs if you get injured, sick or disabled.

There are different types of health insurance plans and each plan provide different coverage.

Chat with me to find out what health insurance covers, how it works and why you need to be insured.

How often should you review your life insurance?
1. At least once a year.
2. After a major life event.
3. After experiencing a change in health.

Chat with me to find out how much life insurance you need.

Why is disability insurance important?

Think about it.
What would happen if suddenly, due to an illness or injury, you were unable to work?

The lost income from a serious illness or injury could lead you to burn through your savings, sacrifice your quality of life or even lose your home.

Your ability to earn a living is your most important asset.

You don’t hesitate to insure your home, car and phone, so why wouldn’t you also protect what pays for all those things—your paycheck.

Talk to me to find out more about

All Integrated Shield Plans (IP) that are purchased or renewed from Apr 1 will only cover treatments on an approved cancer drug list.

Cancer patients whose treatments are not on the MOH list may still be covered by IP riders or other insurance plans they have. If not, they would have to shift to treatments that are already on the list.

CNA Explains: Changes to Integrated Shield Plans and how it will affect cancer patients All Integrated Shield Plans that are purchased or renewed from Apr 1 will only cover treatments on an approved cancer drug list.

Who Needs Life Insurance The Most?
1. You have dependents.
2. You own a business.
3. You carry debt.
4. You want to cover your burial expenses.
5. Your job is high-risk.

Do you know how much life insurance coverage you require?
Talk to me to find out more.

Why you should get term life insurance?
1. Flexibility
You can dictate how much money you are going to commit.

2. Less Expensive
More affordable and offers the coverage you need.

3.Simplicity
Simple, affordable way to safeguard the financial health of your loved ones if something happens to you.

Comment below or PM me to find out more.

How are ILPs (investment-linked plans) and endowment plans different?

ILPs invest your money in your chosen sub-funds. The returns are potentially higher if the sub-funds perform well.

With endowment plans, the premiums go into the insurer’s participating fund. It is less risky, which makes it suitable for those with a conservative risk appetite.

Feel free to speak to me. I will assist to conduct a risk assessment and recommend the right solutions for you.

How ILPs and Endowments Can Serve Different Financial Needs Most of us have probably heard about ILPs and endowment plans, but what purposes do they serve, and who are they for?