?

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.

斯考特凱斯(Scott Kays)剛剛過了50歲生日，和大多數(shù)同齡人一樣，他疲于應(yīng)付事業(yè)、家庭、房貸和各種家?，嵤拢矔r(shí)刻盯著他的投資帳戶和退休計(jì)劃，確保一切處于正軌。此外，他還在自己所在的社區(qū)和教堂從事志愿工作。

　
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.

很多與凱斯情況相似的人都會聘請一個(gè)財(cái)務(wù)顧問，后者建議把錢投到什么地方，如何處理存款、投資、稅收和家庭支出，以保證未來的財(cái)務(wù)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.　
　
但凱斯是個(gè)有特許資格的金融分析師，25年前在亞特蘭大開始從事投資管理工作，現(xiàn)在為客戶管理著約1.4億美元的資產(chǎn)。這些年來，他已經(jīng)幾乎看遍了金融市場可能發(fā)生的各種事情。他的工作就是協(xié)助客戶制定投資策略，提供理財(cái)建議。

　　
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?

凱斯和他妻子麗莎(Lisa)有六個(gè)孩子，年齡從6歲到22歲不等，要照顧這么一大家子人，凱斯夫婦自己是如何理財(cái)?shù)哪兀?br>　　
With clear priorities, patience, and long-term plans that center around stocks, savings, controlling expenses, avoiding debt, and sharing with those less fortunate.
總結(jié)起來是這么幾句話：主次分明，要有耐心，長期投資，股票為主，堅(jiān)持儲蓄，控制開支，避免負(fù)債，關(guān)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.'

“我的投資依然以股票為主?！眲P斯說，“我們把收入的很大一部分存起來，現(xiàn)在已接近20%，慈善捐款也很重要，同時(shí)我們努力降低自身的開支?！?/div>
　　
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.'

當(dāng)然，并非每個(gè)人都能實(shí)現(xiàn)這樣一種財(cái)務(wù)平衡，凱斯一家能走到今天這一步，也是有經(jīng)驗(yàn)教訓(xùn)的?！拔也幌朐谪?cái)務(wù)上給自己太大壓力，”凱斯說，“不想被債務(wù)壓得喘不過氣來，我以前經(jīng)歷過那種狀況，感覺非常糟糕。”

　　
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.

有鑒于此，凱斯努力保持家庭理財(cái)?shù)暮唵位Ｋ哪繕?biāo)是在65歲時(shí)實(shí)現(xiàn)財(cái)務(wù)自由，正因如此，他的退休計(jì)劃幾乎全部投資于個(gè)股、股票基金、交易所交易基金(ETF)，以及類似對沖基金的一些另類投資。

　　

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