向投资学习家庭理财

    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.

　　斯考特凯斯(Scott Kays)刚刚过了50岁生日，和大多数同龄人一样，他疲于应付事业、家庭、房贷和各种家常琐事，也时刻盯着他的投资帐户和退休计划，确保一切处于正轨。此外，他还在自己所在的社区和教堂从事志愿工作。

　　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.

　　很多与凯斯情况相似的人都会聘请一个财务顾问，后者建议把钱投到什么地方，如何处理存款、投资、税收和家庭支出，以保证未来的财务健康。

　　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.

　　但凯斯是个有特许资格的金融分析师，25年前在亚特兰大开始从事投资管理工作，现在为客户管理着约1.4亿美元的资产。这些年来，他已经几乎看遍了金融市场可能发生的各种事情。他的工作就是协助客户制定投资策略，提供理财建议。

　　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?

　　凯斯和他妻子丽莎(Lisa)有六个孩子，年龄从6岁到22岁不等，要照顾这么一大家子人，凯斯夫妇自己是如何理财的呢？

　　With clear priorities, patience, and long-term plans that center around stocks, savings, controlling expenses, avoiding debt, and sharing with those less fortunate.

　　总结起来是这么几句话：主次分明，要有耐心，长期投资，股票为主，坚持储蓄，控制开支，避免负债，关心弱者。

　　"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."

　　“我的投资依然以股票为主。”凯斯说，“我们把收入的很大一部分存起来，现在已接近20%，慈善捐款也很重要，同时我们努力降低自身的开支。”

　　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."

　　当然，并非每个人都能实现这样一种财务平衡，凯斯一家能走到今天这一步，也是有经验教训的。“我不想在财务上给自己太大压力，”凯斯说，“不想被债务压得喘不过气来，我以前经历过那种状况，感觉非常糟糕。”

　　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.

　　有鉴于此，凯斯努力保持家庭理财的简单化。他的目标是在65岁时实现财务自由，正因如此，他的退休计划几乎全部投资于个股、股票基金、交易所交易基金(ETF)，以及类似对冲基金的一些另类投资。

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