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1、投資專家們自己如何理財(cái)?ScottKaysjustcelebratedhis50thbirthdayand,likemostpeoplehisage,isjugglingcareer,family,mortgagepayments,andotherfactsofdailylife.Healsomakessurethathisinvestmentsandretirementgoalsareontrack,andvolunteersathischurchandinhiscommunity.Manypeoplein
2、Mr.Kays'ssituationwouldhireafinancialadvisertotellthemwheretoputtheirmoneyandhowtohandlesavings,investments,taxesandhouseholdexpensestosecuretheirfinancialfuture.ButMr.Kaysisacharteredfinancialanalyst.HestartedhisAtlanta-basedinvestment-managementbusiness25
3、yearsagoandnowdirectsabout$140millionofhisclients'wealth.Overtheyears,hehasseenjustabouteverythingthefinancialmarketscandishout.It'shisjobtostrategizewithclientsandcounselthem.SohowdoMr.Kaysandhiswife,Lisa,overseetheirownfinancialresponsibilities,whichinclu
4、decaringforsixchildrenranginginagefromsixto22?Withclearpriorities,patience,andlong-termplansthatcenteraroundstocks,savings,controllingexpenses,avoidingdebt,andsharingwiththoselessfortunate.'Istillstayprimarilyequity-oriented,'saysMr.Kays.'Wesaveaprettyhighp
5、ercentageofourincomethathasapproached20%;charitablegivingisimportant,andwedothingstokeepourexpenseslow.'Noteveryonecanachievesuchafinancialbalance,ofcourse,andindeed,theKaysfamilycametoitthehardway.'Idon'tlikefinancialpressure,'hesays.'Idon'teverwanttoputmy
6、selfunderfinancialpressure.I'vebeentherebeforeandit'sahorriblefeeling.'Accordingly,Mr.Kayskeepshismoneymatterssimple.Hewantstobefinanciallyindependentbyage65,whichiswhyalmostallofhisretirementportfolioisgiventoindividualstocks,stockmutualfundsandexchange-tr
7、adedfunds,andalternative,hedge-fund-likeinvestments.'Moneythatwe'vegotinequity-typeinvestmentsislonger-termmoney,'hesays.'Istillhaveatremendousamountofconfidencethatoveralongperiodoftimethestockmarketisgoingtogiveyouthehighestreturn.'InvestmentMixMr.Kayssta
8、keshisfinancialsuccessalongsidehisclients,investingonthedomesticsideinT.RowePriceGrowthStockFundandseveralETFsincludingiSharesMorningstarMidGrowthIndex,iSharesMorningstarSmallValueIndex,VanguardGrowtha
