洋视角：20岁的你不需要理财师 但你需要这个顺水鱼财经

40岁之前，绝大多数人可能不会考虑退休和养老这类问题。那么20多岁的年轻人又是否需要一个理财规划师呢？答案很简单：不需要理财规划师，但绝对需要一个理财计划。之所以这样说，其原因在于理财规划在个体的一生中都较为重要，尤其在退休储蓄这个问题上体现的则更为明显。

那么，对于20多岁的年轻人来说，哪些理财计划是至关重要的呢？答案即将揭晓：

第一、攒钱要趁早 股票 期权、继承了一大笔遗产、又或者收获一些意外之财等等。但是，唯有多攒钱，你最终才能掌握投资权。 src="http://i7.hexunimg.cn/2015-08-18/178398924.jpg" align=middle>

在这个世界上，积累财富的有效途径为自律+努力。诚然，你可能通过其他一些渠道获得财富，诸如得到一家炙手可热的创业公司的股票 期权、继承了一大笔遗产、又或者收获一些意外之财等等。但是，唯有多攒钱，你最终才能掌握投资权。

第二、树立长期目标

40岁退休？绝对有可能！储蓄100万美元？小菜一碟！只要你认真设置目标，找到实现途径，一切皆有可能。另外，主动向退休储蓄账户进行周期性储蓄便是一个很好的开始。

第三、多了解理财知识

这辈子，你最大的投资是自身的教育问题。此外，教育的实现形式既可为获得大学或专业学校文凭，也可为自我设定的阅读和学习计划。建议可从阅读《投资的要素》开始，并逐渐将公共图书馆的个人理财区域变为你的第二个家。

第四、多加考虑实际风险

生活中，你总能听到许多关于' 保险的事情，在组建家庭时尤其如此。但是，眼下你可能遭遇何种风险呢？汽车保险便是极有可能的风险之一，原因在于：如果你撞上一辆价值9万美元的跑车，并导致车主受伤，那么你需要支付的赔偿金是多少？还没开始算呢，想想都心塞！

第五、少担忧，多享乐 风险而驻足不前，那么你便错失了一个大好机会，即付出较少的努力便可得到双倍收益。 src="http://i3.hexunimg.cn/2015-08-18/178398926.jpg" align=middle>

一旦上述内容你都搞定了，那么请记住一点：你还年轻。年轻便意味着，你还有时间修正错误，还有时间重新开始！千万不能因为一个小错误，就放弃尝试投资。如果你因害怕遭受风险而驻足不前，那么你便错失了一个大好机会，即付出较少的努力便可得到双倍收益。

无论看起来多么高深莫测，投资并非难于上青天。事实上，投资就是拿出一部分钱，谨慎地将其置于长期的风险之中。如果你正值20多岁，你所能犯下的最大错误便是不去尝试，不去冒险！

原文：

Financial Planning In Your 20s

Does a 20-year-old need a financial planner? Most people don"t even consider the ramifications of retirement (potential) and old age (certain) until well in their 40s or later.

The short answer is: Not a financial planner — yet — but definitely afinancial plan.

That"s because planning is important at any time in one"s life, and especially important when it comes toretirement saving. As the saying goes, you can plan to fail by failing to plan.

Which financial planning ideas matter most to young people? Here"s a quick breakdown.

1. Save more, sooner

The way real wealth is built in the world is with discipline and effort. Yes, you might managed to get stock options in a hot startup company or inherit a load of money unexpectedly or enjoy some other windfall. But jut saving more gives you the ultimate in investing power:Steady compoundingover long periods of time.

2. Develop a long-term goal

Retire at 40? Totally possible.Save $1 million dollars? Piece of cake. You can do anything so long as you set a serious goal and find a plan that gets you there. Periodic, automated saving into a retirement IRA is a good way to start.

3. Learn more about investing

The greatest investment you will ever make is buying yourself education. That can be college degree or professional schooling, but it also can take the form of reading and learning on your own. Start withThe Elements of Investing, and let your public library"s personal finance section become your second home.

4. Consider the real risks you face

In time, you will hear a lot about insurance, particularly when you start a family. But where are you running real risks today?One place is very likely your automobile coverage. Answer this question: If you hit a $90,000 sports car and injured the driver, how much financial trouble would you be in? A sobering thought.

5. Worry less, enjoy more

once you settle No. 4 on this list, remr, you"re young! You have time for false starts and poorly considered plans. Don"t let a small mistake be the reason you give up on investing. If you step back from risk andstay out of the marketsfor a decade, you blow a chance to double your money with relatively little effort.

Investing is not rocket science, no matter how esoteric it might seem. It really is just setting aside money and prudently putting it at risk over long periods of time. In your 20s, the only big mistake you can make in that game is to not play at all.（原文出处：forbes 网站）

栏目介绍：“洋视角”是融360理财频道新开设的一个栏目，栏目会定期从国外投资理财网站择优挑选一些优秀的投资理财方面的观点文章进行提炼和编译。帮助国内投资者了解到国外投资者最新的动向和观点，以期对国内投资者的投资理财有借鉴意义。