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cover of episode What You Need to Know About Open Enrollment

What You Need to Know About Open Enrollment

2024/11/25
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Money Guy Show
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嘉宾建议提前退休者在变现股票之前，应首先确保有足够的现金储备（12-18个月的生活费），以应对市场波动，避免被迫在不利时机卖出资产。此外，提前退休者的资产配置应包含债券等保守型资产，以应对市场下跌时仍能维持现金流。嘉宾还强调，为短期目标（如读研）储蓄的资金，其风险承受能力与退休储蓄不同，应更侧重于现金储备。提前透支退休资金需要谨慎评估，因为这会严重影响未来的财务状况。 主持人补充说明，提前退休者可以通过控制收入来降低资本利得税，即使需要变现股票。

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Discusses strategies for managing a stock portfolio before retirement, especially for those in early retirement or facing a period of no income.
  • Consider tax implications and income thresholds.
  • Ensure adequate liquidity with 12-18 months of living expenses.
  • Rebalance portfolio based on financial situation and goals.

Shownotes Transcript

"Open Enrollment Question: When might an HSA/high deductible plan NOT be a good idea? What should I consider? I currently have a low deductible plan but pay a higher monthly premium."
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