个人理财入门，你需要先做到这5步

Learning to set investment goals is one of the most important things you can do as a new investor because it helps you keep track of where you have been,where you are,and where you are going as it pertains to your personal finances and your journey to financial independence.
作为一名投资初学者，学好设置投资总体目标就是你能做的最关键的事情之一，由于这有利于你跟踪来过哪儿、现在在哪里及其未来会到哪去，这关联到你的本人经营情况与你通向财富自由之行。
Here are the first 5 questions you need to ask yourself when setting investment goals for financial independence.
下列是在设置会计自觉性的投资总体目标时你最先必须问一下自己的五个难题：
1．What is “your number”?
“你的数据”多少钱？
In order to reach financial independence from your portfolio,how much monthly passive income would it require if you were to withdraw no more than 3 percent to 4 percent of the principal value each year?
以便从你的投资组合中完成财务独立，假如你每一年获取不超过本钱使用价值的3 %到4 %，每个月必须是多少互联网赚钱？
That is the amount of money it would take if you wanted to live off your capital without having to sell your time to someone else while enjoying your desired standard of living.
这就是假如你要想依靠自己的资产生活，并且是在沒有把時间卖给他人的另外享有你要想的生活水准时需必须的额度。

2． What is your risk tolerance?
你的风险承受力怎样？
No matter how successful you are or how much money you amass,some people are wired in a way that fluctuations in their portfolio’s market value leads to enormous levels of emotional misery. [/en
不管多么的取得成功或积累了要多少钱，有的人都会由于她们投资组合价值的起伏而造成极大的心态痛楚。
[en]They’d rather end up with less money in the future,and enjoy a lower rate of compounding,but have a smoother ride.
她们宁可未来少赚一点钱，享有更低的复利率，可是生活更稳定。
Learning to be honest with yourself about where you fall on that spectrum is a big part of fiscal maturity. For example,though it can put you at a significant disadvantage under most circumstances,you don’t have to own stocks to build wealth.
学好诚信路面对自身的境遇是会计完善的关键构成部分。比如，尽管在大部分状况下，低风险的理财方法很有可能使你处在显著的缺点，但你无须由于根据拥有个股来累积財富而心惊胆战。

3．How do your moral and ethical values influence your portfolio management strategy?
你的社会道德和伦理道德价值观念怎样危害你的投资组合管理方法发展战略？
Do you plan on spending all of your capital during your lifetime or do you desire to leave behind a financial legacy for your heirs and beneficiaries?
你是准备在此生用掉全部的资产，還是想给你的继承者和收益人留有一笔财产？
If you spend through your capital,it means you’ll be able to enjoy a higher withdrawal rate than you could support otherwise.
假如你将你全部的资产都用在投资理财上，这代表着你能享有比你可以需要的高些的取现率。
If you don’t,you’ll get to take a small cut of the stream of passive income from your holdings but the principal should grow over time,provided it is prudently managed,serving as what effectively amounts to an endowment.
如果不那么做，你能从所拥有的互联网赚钱中提取一小部分，可是要是管理方法恰当，本钱应当伴随着時间提高，还可以用于做为合理的养老保险金。

4. Will you limit your investments to your home country or expand globally?
你能把投资限定在中国，还是在扩张至全世界？
Despite the uptick in nationalism that has occurred beginning in the year 2016,the forces of globalization are real,they are powerful,and they mean than anyone with access to a brokerage account can become an owner of firms throughout the world.
虽然从今年 刚开始，民族主义者有一定的升高，但经济全球化的能量是真正而强劲的，这代表着一切有着经记帐户的人都能变成全球企业的使用者。
You can be a teacher in California and watch money come in from your holdings in Canada and France.
你能在加利福尼亚州当一名老师，看见钱从你澳大利亚和荷兰的股权中入帐。
While this introduces additional risks of permanent capital loss,as well as other risks such as currency risk and political risk,it also offers greater diversification and potential exposure to market performance that may turn out to be better on a risk-adjusted basis than that which would have been available from a domestic portfolio alone.
尽管这很有可能会造成永久资产损害的附加风险，及其贷币、政冶等别的层面的风险，但它也出示了更大的多元化及其潜在性的销售市场主要表现，如此一来，在风险调节基本上很有可能就比独立投资于中国好些。

5．What is motivating you to achieve financial independence?
是什么促进你完成财务独立？
While some people are natural savers—they tend to accumulate without really needing a reason to do so as they live below their means and don’t really know what to do with the difference—most people are driven by some primary or secondary motivation that causes them to pile up capital.
有的人是与生俱来的存款者——她们通常不用任何借口就能累积起財富来，由于她们的生活非常合适了，她们也不知道该如何处理这类差别。可是大部分人都是在一些关键或主次主观因素的迫使下而累积了很多资产。
It is extraordinarily important that you look within yourself and honestly answer the question,“Why?”.
关键的是，你需要审视自己并诚信地回应这个问题：“为何？”。
Why are you compelled to save?
你为什么务必要存款?
What makes you want to invest rather than spending or donating the money that is flowing through your hands?
是什么让你要投资，而不是用掉或捐献你手上的钱？
Often,by getting to the heart of that question,you can better design your portfolio to achieve whatever it is you are really pursuing.
一般，根据深入了解难题的关键，你也就能够能够更好地设计方案你的投资组合，以完成你真实追求完美的总体目标。