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为什么要尽早掌握投资技巧？

尽早投资有很多好处，尤其是当你想确保自己的退休计划和长期财务目标能够顺利实现时。虽然这些好处在短期内可能不明显，但从长期来看，尽早投资的优势是显而易见的。

 

1. 提早投资，享受更强复利效应

虽然等到30多岁或40多岁再开始投资也不晚，但越早开始越好，最好能在刚工作时就开始。因为复利的关键在于“时间的价值”，如果时间越长，收益越大。

如果能长期、定期投资，以预计回报率在10年-15年的投资组合中为例，复利的效应会更明显。当然，投资组合的选择要根据个人的风险承受能力，比如“保守型”、“稳健保守型”、“中等风险型”、“稳健进取型”或“进取型”等。

一般来说，投资组合至少需要五年时间，才能看到复利效果的显著增长。而且初期的投入金额也很重要，金额越大，复利效应的影响时间越长，最终的收益就越可观。

举个例子，如果一个25岁的女生从刚开始工作时，存入S$10,000，年收益率5%。一年后，她的金额会变成S$10,500。第二年，这5%的收益将基于S$10,500计算，而不是原来的S$10,000。假设她的退休基金每年都能保持5%的收益，并且每年坚持存入S$10,000，到60岁时，她的养老基金会达到S$958,363，接近S$100万，这就是复利的显著效果！其实，从一万到一百万的距离，就在于坚持！只有长期投资才能在市场中稳定获得可观财富。

 

2. 提早投资，获得更多时间应对风险

近年来，市场的短期波动加大，充满了不确定性。但历史告诉我们，从长期来看，时间能有效减少波动性，同时提高投资回报的可预测性。

资本市场通常更青睐长期投资者。对于尽早投资的人来说，即使市场波动很大，他们也有足够的时间恢复并获利。长期投资者通常更冷静，经历过市场的起伏后，他们更了解市场的规律，更容易实现长期收益。

此外，早期学习投资的人比晚年才开始投资的人，有更多机会尝试承担更高的风险。因为晚年投资者时间有限，往往更倾向于保守的投资策略。因此，如果你希望退休计划更加稳健，尽早开始投资特别重要，尤其是如果你愿意尝试高风险、高回报的投资机会。

 

3. 提早投资，帮助建立理智的消费习惯

尽早投资还有一个重要好处，就是能帮助你养成更好的理财习惯，这对稳固退休计划非常重要。

通常，投资的金额需要根据个人的财务目标和时间安排来设定。如果想要早点退休，就需要考虑每月储蓄收入的一半左右。简而言之，要让退休计划有效，理财的“自律”至关重要。

通过尽早接触投资，人们通常能培养良好的财务习惯。特别是在中国，提早做好财务规划的人，通常在花钱方面也更有节制。

很多成功的退休计划都是基于一些预设的标准，比如“每月能花费多少？”或“退休金能用多久？”。如果缺乏财务自律，可能会偏离这些计划，导致退休目标无法实现。

 

总结：提早投资的三大关键好处

从上面可以看出，尽早投资有三大好处：

  1. 通过复利效应提高投资回报；
  2. 更多时间承担风险，争取更高收益；
  3. 培养稳健的理财习惯，确保退休计划稳定。

这三点结合起来，能帮助你实现退休目标。所以，早点接触投资，未来的你一定会感谢现在的决定！

如果您想了解如何投资或配置更适合你的财务规划，欢迎随时联系我。

微信号：a19842182457 或 WA：+65 9465 3813

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 unbiased 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.

Published By:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金。

目前，我在新加坡最大的優質理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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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.

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