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DIY投资 vs 专业理财顾问：哪个更适合你？

在如今快速发展的数字时代，DIY投资平台变得越来越流行，让个人可以轻松管理自己的投资组合。同时，许多人也意识到与专业理财顾问合作的价值。那么，究竟哪种方式更适合你的财务规划呢？让我们来探讨DIY投资与聘请理财顾问之间的主要区别。

 

🚀 DIY投资的优势与挑战

DIY投资的优势：

•掌控与灵活性：DIY投资者可以完全掌控投资决策，根据自己的研究和偏好做出选择，享受自主投资的乐趣。

•成本节约：通过减少顾问费用，DIY投资可以更具成本效益，尤其适合那些有能力独立操作市场的人。

•学习机会：对热衷金融市场的人来说，自主投资不仅能增加财务知识，还能提高投资信心。

DIY投资的挑战：

•耗时：需要不断关注市场趋势、调整投资组合以及了解经济动态，这对繁忙的个人来说是个不小的挑战。

•情绪决策：DIY投资者容易受到市场波动的影响，可能会因恐惧或乐观情绪而做出不理智的决定，从而影响长期回报。

•专业知识有限：尽管有很多学习资源，但要掌握复杂的金融产品、税务规划及全面的财务规划，并非易事。

 

🛡️ 聘请理财顾问的优势

与其单打独斗，许多人选择与经验丰富的理财顾问合作，不仅能获得投资建议，还能享受更全面的财务规划服务。

理财顾问的优势：

•个性化策略：顾问会根据你的风险承受能力、目标和时间线，制定量身定制的投资计划，帮助实现长期财务目标。

•持续的投资管理：顾问会持续关注你的投资组合，并根据市场变化或个人情况调整策略，确保投资组合始终与目标保持一致。

•行为引导：市场波动期间，顾问会为你提供专业建议，避免因情绪波动而做出仓促决策，从而提高投资回报。

•全面的财务规划：除了投资，顾问还会整合税务优化、退休计划、保险需求和遗产规划等，确保你的财务生活更加稳固。

•安心无忧：有了专业顾问的帮助，你可以专注于生活中的其他重要事项，而无需担心投资的管理。

 

💡 哪种方式更适合你？

选择DIY投资还是与理财顾问合作，取决于以下几个因素：

•你是否有时间和兴趣积极管理自己的投资？

•面对市场不确定性时，你是否有信心独立做出关键决策？

•你是否希望拥有一个不仅包括投资，还涵盖全面财务规划的系统化策略？

 

DIY投资适合那些喜欢掌控并对财务知识充满信心的人。而对于希望获得专业指导、个性化策略及全面规划的人，与理财顾问合作则是更好的选择。

如今，许多人选择通过DIY投资平台自己管理投资，但这需要时间、专业知识及情绪控制。而与经验丰富的理财顾问合作，则能享受到个性化的投资策略、持续的投资管理以及全面的财务规划。如果你有时间和兴趣DIY，享受自主控制的乐趣，那可能是个好选择。但如果你希望通过更系统的方式来实现财务目标，则聘请理财顾问更能帮助你安心无忧地达成长期目标。

 

一起加油！

我是 Zechariah See (国超）

➡️ http://linkedin.com/in/zechariahsee

➡️ 小红书ID：Zech178

#投资 #理财规划 #DIY投资 #财富管理 #理财顾问

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以上内容仅供参考和个人意见，不构成专业财务建议。建议读者根据自身的财务目标、情况和需求，寻求独立的财务建议。内容未经新加坡金融管理局审查。

 

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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Zechariah See

Personal Story:

I almost lost an arm and that was when I realised I had zero insurance.

Many years ago, I was living my life on the edge and very involved in many adventurous outdoor sports. All these came to a shocking realisation when almost lost my arm (or even my life), while kayak surfing with the high waves and deep waters overseas.

This lucky escape began my journey into the financial advisory business.

I wanted every person and family to know about the hard truth of being underinsured early and help everyone become better prepared. We run the risks of losing so much with every day we are not taking action to protect ourselves and our families financially.

Nobody has to deal with the same shock that I had experienced. You deserve better.

 

Why Me?

✅ I have a unique forte in helping families with their financial diagnosis and planning, since day one. I have been helping families, including young couples, big families, DINK couples, as well as their individual’s complex needs.

✅ I am a dedicated learner in the financial industry. I invested in my Masters in Wealth Management at SMU for this reason. I am still constantly upgrading myself year-on-year to become the best financial consultant for my diverse client profiles.

✅ My forte is in financial diagnosis.

My experiences in accounting and finance helps in giving proper diagnosis of your unique portfolio so that the correct approach/solutions could be personalised for you.

✅ I have a one-stop solutions platform.

Being an independent financial broker, I can represent you to find the solutions you need, all in your best interests. No need for hard selling. I am here for you and your family.

I am a strong believer that you can achieve more, beginning with what you have.

Feel free to reach out to me for a free consultation session with you and/or your family.

See you soon!

Email: zechariahsee@fapl.sg

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策