Not only are you capable to better your understanding of your individual finances, but you can even focus on reaching essential steps. The finest investing apps for novices and one of the best online brokerages for beginners are low-cost and best for passive merchants. These websites also allow you to customise your investing portfolio based mostly in your financial objectives, danger tolerance, and time horizon. Reducing and managing debt is a crucial step in financial planning. Even when you're storing an excellent chunk of cash in a savings or brokerage account, high-interest debt will weigh you down.

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Whether by your self or with a companion, you need to know what you're aiming for. Here are six steps you can take to create your own monetary plan. Read about our picks for one of the best monetary advisors here. Angle down icon An icon in the shape of an angle pointing down.

h2>Where Is Your Cash Going?</h2>
A monetary skilled may even have the ability to provide steering on how to prepare. They may also identify investments and monetary merchandise that might profit your portfolio. Although dangerous, investing might help grow your money, even if you’re not rich. You can get began with investing by enrolling in your company’s 401 plan or opening a low-or-no payment account by way of an online broker.

ul> <li>A strong plan ought to embrace how upcoming life changes like a new job or start of a kid will affect your financial image.</li> <li>This will go away you with the amount that must be funded by your investment portfolio.</li> <li>Personal finance is about managing your budget and the way finest to put your cash to work to comprehend your financial independence and targets.</li> <li>By figuring out your financial targets, you’ll have a clear idea of what you should accomplish to make them happen.</li> <li>Consider turning a hobby into part-time work from which you will find a way to devote the income to financial savings.</li></ul>
You can find a monetary advisor by way of on-line critiques or by speaking with family and friends. Financial plans typically address retirement savings, wealth-building strategies, emergency savings plans, tax optimization strategies, school funds, and debt consolidation. You will determine these big lifetime objectives like a cushty retirement and how to achieve it within the years ahead.

h3>Morgan Stanley Objectives Planning System</h3>
Please consult along with your Financial Advisor to grasp these differences. As your life evolves and markets change, your Morgan Stanley Financial Advisor might help you evaluate your plan and adjust course wherever necessary that will assist you get the place you want to go. We supply timely, built-in analysis of firms, sectors, markets and economies, helping purchasers with their most crucial selections. If you’re comparatively new to adulthood or the working world, the earlier you have the basics coated the better you’ll feel.
Our agency's dedication to sustainability informs our operations, governance, danger management, range efforts, philanthropy and research. From our origins as a small Wall Street partnership to turning into a world agency of greater than 80,000 staff today, Morgan Stanley has been dedicated to purchasers and communities for 87 years. From our startup lab to our cutting-edge research, we broaden entry to capital for various entrepreneurs and highlight their success. Whether it’s hardware, software or age-old companies, everything at present is ripe for disruption. https://ctxt.io/?reason=spam accumulates curiosity, the extra money you will lose in the long run. Your plan might need to account for the way monetary priorities shift as you progress by way of life phases. When someone is first starting out of their profession, they will be centered extra on saving that first emergency fund and being an independent adult.

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You can even create a finances the old style way by going by way of your financial institution statements and bills from the past few months and categorizing every expense with a spreadsheet or on paper. We leverage the full sources of our firm to help people, families and establishments reach their financial targets. Learn from our trade leaders about how to manage your wealth and help meet your personal financial objectives.
It doesn't present individually tailor-made funding advice. It has been ready without regard to the individual monetary circumstances and aims of persons who obtain it. The appropriateness of a particular investment or technique will depend upon an investor’s particular person circumstances and aims.

One method to set your financial goals is to use so-called SMART goals. In the acronym, S stands for particular, M is for measurable, A is for achievable, R is for related, and T is for time-based. Write out particular objectives you have, prioritize them, and then go through all the SMART elements. For retirement, have a selected age you wish to retire at and a measurable quantity of funds that you simply wish to have available at that age. Make it related and ensure you have a set plan to realize that goal in a particular timeframe. Experts disagree on whether or not to pay off bank card debt or create an emergency fund first.
Midterm goals can even embrace objectives like shopping for a primary home or, afterward, a vacation residence. Maybe you already have a house and wish to improve it with a significant renovation?or start saving for a larger place. Saving for college expenses or the costs that come with starting a household are other examples of midterm objectives. As a technique for paying off bank card debt, Davis recommends listing all your money owed by rate of interest from lowest to highest, then paying only the minimal on all however your highest-rate debt.
Some say that you should create an emergency fund even should you still have credit card debt as a end result of, with out an emergency fund, any surprising expense will send you further into credit card debt. Others say you must pay off credit card debt first as a result of the curiosity is so expensive that it makes reaching another financial goal far more tough. Pick the philosophy that makes essentially the most sense to you, or perform a little of both on the same time. Though you most likely produce other financial savings goals too, similar to saving for retirement, creating an emergency fund ought to be a top precedence. It’s the financial savings account that creates the monetary stability you want to achieve your different targets. You can make more money by selling unneeded objects on eBay or Craigslist or holding a yard sale.
While some expenses ? like lease or gasoline ? are necessary bills, you could uncover nonessential expenses that are draining your funds. The plan also wants to incorporate methods to help defend yourself from massive monetary issues like inflation. The prime worry in 2022, in accordance with the research, was the rising value of dwelling. More than half (52%) of respondents said rising inflation was the primary or second most worrisome risk in the next 12 months, up from 38% in 2021. There are steps you can take in the quick term, like delaying major purchases, and for the lengthy term to take care of your purchasing energy over time.


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Last-modified: 2024-04-26 (金) 18:19:37 (10d)