With interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?

MarketWatch2021-09-06

Rules of thumb … and then the amount that’s right for you. Dear Ms. MoneyPeace: How much should we keep in liquid assets? Does the term liquid assets refer just to money in a bank account? With ...

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2021-09-06
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Cash is still the King.
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With ...\n\n<a href=\"https://www.marketwatch.com/story/with-interest-rates-incredibly-low-and-the-stock-market-doing-so-well-how-much-should-i-keep-in-liquid-assets-11630703616?mod=home-page\">网页链接</a>\n\n</div>\n","source":"lsy1603348471595","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>With interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWith interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-09-06 15:27 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.marketwatch.com/story/with-interest-rates-incredibly-low-and-the-stock-market-doing-so-well-how-much-should-i-keep-in-liquid-assets-11630703616?mod=home-page>MarketWatch</a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\nRules of thumb … and then the amount that’s right for you.\n\nDear Ms. MoneyPeace: \nHow much should we keep in liquid assets? Does the term liquid assets refer just to money in a bank account? With ...\n\n<a href=\"https://www.marketwatch.com/story/with-interest-rates-incredibly-low-and-the-stock-market-doing-so-well-how-much-should-i-keep-in-liquid-assets-11630703616?mod=home-page\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":".DJI","symbol_name":"道琼斯","start_time":0,"source_url":"https://www.marketwatch.com/story/with-interest-rates-incredibly-low-and-the-stock-market-doing-so-well-how-much-should-i-keep-in-liquid-assets-11630703616?mod=home-page","article_id":"1167279106","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=1167279106","pubTimestamp":1630913272,"columns":[],"sourceInfo":{"source_id":"lsy1603348471595","name":"MarketWatch"},"weMediaInfo":null,"summary":"Rules of thumb … and then the amount that’s right for you.\n\nDear Ms. MoneyPeace: \nHow much should we","collect":0,"end_time":0,"defaultTopTitle":"marketwatch.com","property":[],"viewcount":null,"language":"en","relate_stocks":{".DJI":"道琼斯",".SPX":"S&P 500 Index",".IXIC":"NASDAQ Composite","SPY":"标普500ETF"},"translate_title":"在利率低得令人难以置信，股市表现如此良好的情况下，我应该在流动资产中保留多少？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"SPY":0.9,".DJI":0.9,".SPX":0.9,".IXIC":0.9},"content_text":"Rules of thumb … and then the amount that’s right for you.\n\nDear Ms. MoneyPeace: \nHow much should we keep in liquid assets? Does the term liquid assets refer just to money in a bank account? With interest rates incredibly low and the stock market doing so well, it’s not clear how much to keep readily available. I’m asking this question as a married and retired person.\nAlready Retired Annie\nAnnie,\nYour question is a common one from people of all ages. Even with interest rates low, safety accounts – I don’t like to call them emergency funds — are essential. Whether married, single or partnered in any way, you need a fallback to cover basic needs. \nWhat that amount should be is personal and is based on your spending and responsibilities. The basic rule of thumb is three times basic living expenses, but if you own a home, make it closer to six months. This money should be kept in an account separate from your everyday funds and any savings for your next car, big trip or celebration. Savings is separate from whatever mix of stocks, bonds and cash you have in your investment accounts.\nIf you are retired, you stillneed a safety account. Even if you have a steady monthly retirement income or withdrawal strategy for your 401(k) account, there may be financial surprises: think a new furnace or air conditioner, storm damage, condo assessments, car repairs, medical and dental bills.\nIncome from the stock market is not guaranteed. Ask retirees who saw the value of their investments fall in the dot-com crash of 2000 or in the 2008 financial crisis or in March 2020. Perhaps they even sold in fear, leaving their net worth permanently reduced when prices recovered. Once retired, replenishing those assets is difficult. Having cash buys you time and clearer thinking, and it lets you keep your long-term investing strategy in place.\nLiquid assets are assets you can access quickly and predictably. That is why we start with cash, whether in a savings account, a money-market fund, or a certificate of deposit. Check if the account is insured by the FDIC (money-market accounts are not.) Don’t be swayed by better interest rates, as they are only one part of the story.\nOf course you can sell other assets — from your home to car to jewelry, even stocks and bonds — for cash, turning them liquid. But the dollar value isn’t predictable. Nor in some cases is the time involved. And don’t forget the added cost of capital-gains taxes on investments and, in some cases, your home.\nNo matter when you need it, cash holds the same price; investments do not.\nA home equity line of credit, or HELOC, is not a safety account, despite what some claim. That is a backup option that may be good to have, but once tapped, it is a loan that must be paid back with interest. No matter how tempting the option, you are taking a risk. Paying off debt is not easy in retirement, even more so when faced with inflation. And locking yourself into more debt when you are no longer working creates stress.\nWithdrawing money from an investment account – whether a 403(b), 401(k) or IRA – is smart with a plan. But without one, the implications create financial havoc. A retired woman was building her dream home and ran over budget. She withdrew $10,000 from her IRA to make the final payment to the contractor and to get built-ins she wanted in a closet. However, she was only 59. She had to pay a 10% penalty for early withdrawal — $1,000 — on top of the income tax due (withdrawal from traditional retirement accounts are taxed as ordinary income). Deciding and acting on the fly cost her extra money.\nAdding an additional monthly payment, paying a penalty for an early withdrawal or selling assets in a rush may not create a problem today, but retirement lasts many years, hopefully decades. Having a consistent cash fund can help you with those bumps along the way and gives you a fun, more relaxing retirement.\nCD Moriarty is a certified financial planner, a columnist for MarketWatch and a personal-finance speaker. She blogs at MoneyPeace.","kind":"news","is_publish_news":true,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[{"id":817180560,"gmtCreate":1630918402750,"gmtModify":1631890826370,"author":{"id":"3586937187491404","authorId":"3586937187491404","name":"Rashamon96","avatar":"https://static.tigerbbs.com/c800b60e9a6b67f29f6a9438054010ae","vip":1,"crmLevel":11,"crmLevelSwitch":0,"wearingBadges":[],"authorIdStr":"3586937187491404","idStr":"3586937187491404"},"htmlText":"Cash is still the King.&nbsp;","listText":"Cash is still the King.&nbsp;","text":"Cash is still the King.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/817180560","repostId":1167279106,"repostType":4,"repost":{"id":"1167279106","kind":"news","pubTimestamp":1630913272,"share":"https://www.laohu8.com/m/news/1167279106?lang=zh_CN&edition=full","pubTime":"2021-09-06 15:27","market":"us","language":"en","title":"With interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?<blockquote>由于利率低得令人难以置信，股市表现如此良好，我应该保留多少流动资产？</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1167279106","media":"MarketWatch","summary":"Rules of thumb … and then the amount that’s right for you.\n\nDear Ms. MoneyPeace: \nHow much should we","content":" Rules of thumb … and then the amount that’s right for you. Dear Ms. MoneyPeace:&nbsp;<blockquote>经验法则…然后是适合你的数量。亲爱的MoneyPeace女士：</blockquote> How much should we keep in liquid assets? Does the term liquid assets refer just to money in a bank account? With interest rates incredibly low and the stock market doing so well, it’s not clear how much to keep readily available. I’m asking this question as a married and retired person.<blockquote>我们应该保留多少流动资产？流动资产一词仅仅指银行账户中的钱吗？由于利率低得令人难以置信，股市表现如此之好，目前尚不清楚有多少资金可以随时使用。我是作为一个已婚退休的人问这个问题的。</blockquote> Already Retired Annie<blockquote>已经退休的安妮</blockquote> Annie,<blockquote>安妮，</blockquote> Your question is a common one from people of all ages. Even with interest rates low, safety accounts – I don’t like to call them emergency funds — are essential. Whether married, single or partnered in any way, you need a fallback to cover basic needs.&nbsp;<blockquote>你的问题是所有年龄段的人的常见问题。即使利率很低，安全账户——我不喜欢看涨期权它们是应急资金——也是必不可少的。无论是已婚、单身还是以任何方式伴侣，你都需要一个后备来满足基本需求。</blockquote> What that amount should be is personal and is based on your spending and responsibilities. The basic rule of thumb is three times basic living expenses, but if you own a home, make it closer to six months. This money should be kept in an account separate from your everyday funds and any savings for your next car, big trip or celebration. Savings is separate from whatever mix of stocks, bonds and cash you have in your investment accounts.<blockquote>这个数额应该是个人的，取决于你的支出和责任。基本的经验法则是基本生活费用的三倍，但如果你拥有一套房子，就让它接近六个月。这笔钱应该存放在一个账户中，与您的日常资金以及下一辆车、大型旅行或庆祝活动的任何储蓄分开。储蓄与您投资账户中的股票、债券和现金组合是分开的。</blockquote> If you are retired, you stillneed a safety account. Even if you have a steady monthly retirement income or withdrawal strategy for your 401(k) account, there may be financial surprises: think a new furnace or air conditioner, storm damage, condo assessments, car repairs, medical and dental bills.<blockquote>如果你退休了，你仍然需要一个安全账户。即使您的401(k)账户有稳定的每月退休收入或提款策略，也可能会出现财务意外：想想新的炉子或空调、风暴损坏、公寓评估、汽车维修、医疗和牙科账单。</blockquote> Income from the stock market is not guaranteed. Ask retirees who saw the value of their investments fall in the dot-com crash of 2000 or in the 2008 financial crisis or in March 2020. Perhaps they even sold in fear, leaving their net worth permanently reduced when prices recovered. Once retired, replenishing those assets is difficult. Having cash buys you time and clearer thinking, and it lets you keep your long-term investing strategy in place.<blockquote>股票市场的收入没有保证。问问那些在2000年互联网泡沫破裂、2008年金融危机或2020年3月投资价值下跌的退休人员。也许他们甚至在恐惧中抛售，当价格回升时，他们的净资产永久减少。一旦退休，补充这些资产就很困难。拥有现金可以为您赢得时间和更清晰的思维，并让您保持长期投资策略。</blockquote> Liquid assets are assets you can access quickly and predictably. That is why we start with cash, whether in a savings account, a money-market fund, or a certificate of deposit. Check if the account is insured by the FDIC (money-market accounts are not.) Don’t be swayed by better interest rates, as they are only one part of the story.<blockquote>流动资产是您可以快速且可预测地访问的资产。这就是为什么我们从现金开始，无论是储蓄账户、货币市场基金还是存款证。检查该账户是否由FDIC承保（货币市场账户没有。）不要被更好的利率所左右，因为它们只是故事的一部分。</blockquote> Of course you can sell other assets — from your home to car to jewelry, even stocks and bonds — for cash, turning them liquid. But the dollar value isn’t predictable. Nor in some cases is the time involved. And don’t forget the added cost of capital-gains taxes on investments and, in some cases, your home.<blockquote>当然，你可以出售其他资产——从你的房子到汽车到珠宝，甚至股票和债券——以换取现金，使它们具有流动性。但美元价值是不可预测的。在某些情况下也不涉及时间。不要忘记投资资本利得税的额外成本，在某些情况下，还有你的房屋。</blockquote> No matter when you need it, cash holds the same price; investments do not.<blockquote>无论你什么时候需要，现金都是一样的价格；投资不会。</blockquote> A home equity line of credit, or HELOC, is not a safety account, despite what some claim. That is a backup option that may be good to have, but once tapped, it is a loan that must be paid back with interest. No matter how tempting the option, you are taking a risk. Paying off debt is not easy in retirement, even more so when faced with inflation.&nbsp;And locking yourself into more debt when you are no longer working creates stress.<blockquote>尽管有些人声称，房屋净值信用额度（HELOC）并不是安全账户。这是一个后备选择，可能很好，但一旦动用，它就是一笔必须连本带利偿还的贷款。无论这个选择多么诱人，你都是在冒险。退休后还清债务并不容易，面对通货膨胀时更是如此。当你不再工作时，让自己陷入更多债务会产生压力。</blockquote> Withdrawing money from an investment account – whether a 403(b), 401(k) or IRA – is smart with a plan. But without one, the implications create financial havoc. A retired woman was building her dream home and ran over budget. She withdrew $10,000 from her IRA to make the final payment to the contractor and to get built-ins she wanted in a closet. However, she was only 59. She had to pay a 10% penalty for early withdrawal — $1,000 — on top of the income tax due (withdrawal from traditional retirement accounts are taxed as ordinary income). Deciding and acting on the fly cost her extra money.<blockquote>从投资账户（无论是403(b)、401(k)还是IRA）中提取资金都是明智的计划。但是如果没有一个，其影响会造成金融混乱。一位退休妇女正在建造她梦想中的家，但超出了预算。她从个人退休帐户中提取了10,000美元，向承包商支付了最后一笔款项，并在壁橱里安装了她想要的内置设备。然而，她只有59岁。除了应付所得税之外，她还必须为提前提款支付10%的罚款（1,000美元）（从传统退休账户提款按普通收入征税）。临时决定和行动花费了她额外的钱。</blockquote> Adding an additional monthly payment, paying a penalty for an early withdrawal or selling assets in a rush may not create a problem today, but retirement lasts many years, hopefully decades. Having a consistent cash fund can help you with those bumps along the way and gives you a fun, more relaxing retirement.<blockquote>增加额外的月供、支付提前提款罚款或匆忙出售资产在今天可能不会造成问题，但退休会持续很多年，希望是几十年。拥有一个稳定的现金基金可以帮助你度过一路上的坎坷，给你一个有趣、更放松的退休生活。</blockquote> CD Moriarty is a certified financial planner, a columnist for MarketWatch and a personal-finance speaker. She blogs at&nbsp;MoneyPeace.<blockquote>CD Moriarty是一名注册财务规划师、MarketWatch专栏作家和个人理财演讲者。她在MoneyPeace写博客。</blockquote>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>With interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?<blockquote>由于利率低得令人难以置信，股市表现如此良好，我应该保留多少流动资产？</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWith interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?<blockquote>由于利率低得令人难以置信，股市表现如此良好，我应该保留多少流动资产？</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nMarketWatch2021-09-06 15:27\n\n</h4>\n</header>\n<article>\n Rules of thumb … and then the amount that’s right for you. Dear Ms. MoneyPeace:&nbsp;<blockquote>经验法则…然后是适合你的数量。亲爱的MoneyPeace女士：</blockquote> How much should we keep in liquid assets? Does the term liquid assets refer just to money in a bank account? With interest rates incredibly low and the stock market doing so well, it’s not clear how much to keep readily available. I’m asking this question as a married and retired person.<blockquote>我们应该保留多少流动资产？流动资产一词仅仅指银行账户中的钱吗？由于利率低得令人难以置信，股市表现如此之好，目前尚不清楚有多少资金可以随时使用。我是作为一个已婚退休的人问这个问题的。</blockquote> Already Retired Annie<blockquote>已经退休的安妮</blockquote> Annie,<blockquote>安妮，</blockquote> Your question is a common one from people of all ages. Even with interest rates low, safety accounts – I don’t like to call them emergency funds — are essential. Whether married, single or partnered in any way, you need a fallback to cover basic needs.&nbsp;<blockquote>你的问题是所有年龄段的人的常见问题。即使利率很低，安全账户——我不喜欢看涨期权它们是应急资金——也是必不可少的。无论是已婚、单身还是以任何方式伴侣，你都需要一个后备来满足基本需求。</blockquote> What that amount should be is personal and is based on your spending and responsibilities. The basic rule of thumb is three times basic living expenses, but if you own a home, make it closer to six months. This money should be kept in an account separate from your everyday funds and any savings for your next car, big trip or celebration. Savings is separate from whatever mix of stocks, bonds and cash you have in your investment accounts.<blockquote>这个数额应该是个人的，取决于你的支出和责任。基本的经验法则是基本生活费用的三倍，但如果你拥有一套房子，就让它接近六个月。这笔钱应该存放在一个账户中，与您的日常资金以及下一辆车、大型旅行或庆祝活动的任何储蓄分开。储蓄与您投资账户中的股票、债券和现金组合是分开的。</blockquote> If you are retired, you stillneed a safety account. Even if you have a steady monthly retirement income or withdrawal strategy for your 401(k) account, there may be financial surprises: think a new furnace or air conditioner, storm damage, condo assessments, car repairs, medical and dental bills.<blockquote>如果你退休了，你仍然需要一个安全账户。即使您的401(k)账户有稳定的每月退休收入或提款策略，也可能会出现财务意外：想想新的炉子或空调、风暴损坏、公寓评估、汽车维修、医疗和牙科账单。</blockquote> Income from the stock market is not guaranteed. Ask retirees who saw the value of their investments fall in the dot-com crash of 2000 or in the 2008 financial crisis or in March 2020. Perhaps they even sold in fear, leaving their net worth permanently reduced when prices recovered. Once retired, replenishing those assets is difficult. Having cash buys you time and clearer thinking, and it lets you keep your long-term investing strategy in place.<blockquote>股票市场的收入没有保证。问问那些在2000年互联网泡沫破裂、2008年金融危机或2020年3月投资价值下跌的退休人员。也许他们甚至在恐惧中抛售，当价格回升时，他们的净资产永久减少。一旦退休，补充这些资产就很困难。拥有现金可以为您赢得时间和更清晰的思维，并让您保持长期投资策略。</blockquote> Liquid assets are assets you can access quickly and predictably. That is why we start with cash, whether in a savings account, a money-market fund, or a certificate of deposit. Check if the account is insured by the FDIC (money-market accounts are not.) Don’t be swayed by better interest rates, as they are only one part of the story.<blockquote>流动资产是您可以快速且可预测地访问的资产。这就是为什么我们从现金开始，无论是储蓄账户、货币市场基金还是存款证。检查该账户是否由FDIC承保（货币市场账户没有。）不要被更好的利率所左右，因为它们只是故事的一部分。</blockquote> Of course you can sell other assets — from your home to car to jewelry, even stocks and bonds — for cash, turning them liquid. But the dollar value isn’t predictable. Nor in some cases is the time involved. And don’t forget the added cost of capital-gains taxes on investments and, in some cases, your home.<blockquote>当然，你可以出售其他资产——从你的房子到汽车到珠宝，甚至股票和债券——以换取现金，使它们具有流动性。但美元价值是不可预测的。在某些情况下也不涉及时间。不要忘记投资资本利得税的额外成本，在某些情况下，还有你的房屋。</blockquote> No matter when you need it, cash holds the same price; investments do not.<blockquote>无论你什么时候需要，现金都是一样的价格；投资不会。</blockquote> A home equity line of credit, or HELOC, is not a safety account, despite what some claim. That is a backup option that may be good to have, but once tapped, it is a loan that must be paid back with interest. No matter how tempting the option, you are taking a risk. Paying off debt is not easy in retirement, even more so when faced with inflation.&nbsp;And locking yourself into more debt when you are no longer working creates stress.<blockquote>尽管有些人声称，房屋净值信用额度（HELOC）并不是安全账户。这是一个后备选择，可能很好，但一旦动用，它就是一笔必须连本带利偿还的贷款。无论这个选择多么诱人，你都是在冒险。退休后还清债务并不容易，面对通货膨胀时更是如此。当你不再工作时，让自己陷入更多债务会产生压力。</blockquote> Withdrawing money from an investment account – whether a 403(b), 401(k) or IRA – is smart with a plan. But without one, the implications create financial havoc. A retired woman was building her dream home and ran over budget. She withdrew $10,000 from her IRA to make the final payment to the contractor and to get built-ins she wanted in a closet. However, she was only 59. She had to pay a 10% penalty for early withdrawal — $1,000 — on top of the income tax due (withdrawal from traditional retirement accounts are taxed as ordinary income). Deciding and acting on the fly cost her extra money.<blockquote>从投资账户（无论是403(b)、401(k)还是IRA）中提取资金都是明智的计划。但是如果没有一个，其影响会造成金融混乱。一位退休妇女正在建造她梦想中的家，但超出了预算。她从个人退休帐户中提取了10,000美元，向承包商支付了最后一笔款项，并在壁橱里安装了她想要的内置设备。然而，她只有59岁。除了应付所得税之外，她还必须为提前提款支付10%的罚款（1,000美元）（从传统退休账户提款按普通收入征税）。临时决定和行动花费了她额外的钱。</blockquote> Adding an additional monthly payment, paying a penalty for an early withdrawal or selling assets in a rush may not create a problem today, but retirement lasts many years, hopefully decades. Having a consistent cash fund can help you with those bumps along the way and gives you a fun, more relaxing retirement.<blockquote>增加额外的月供、支付提前提款罚款或匆忙出售资产在今天可能不会造成问题，但退休会持续很多年，希望是几十年。拥有一个稳定的现金基金可以帮助你度过一路上的坎坷，给你一个有趣、更放松的退休生活。</blockquote> CD Moriarty is a certified financial planner, a columnist for MarketWatch and a personal-finance speaker. She blogs at&nbsp;MoneyPeace.<blockquote>CD Moriarty是一名注册财务规划师、MarketWatch专栏作家和个人理财演讲者。她在MoneyPeace写博客。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.marketwatch.com/story/with-interest-rates-incredibly-low-and-the-stock-market-doing-so-well-how-much-should-i-keep-in-liquid-assets-11630703616?mod=home-page\">MarketWatch</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".DJI":"道琼斯",".SPX":"S&P 500 Index",".IXIC":"NASDAQ Composite","SPY":"标普500ETF"},"source_url":"https://www.marketwatch.com/story/with-interest-rates-incredibly-low-and-the-stock-market-doing-so-well-how-much-should-i-keep-in-liquid-assets-11630703616?mod=home-page","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1167279106","content_text":"Rules of thumb … and then the amount that’s right for you.\n\nDear Ms. MoneyPeace: \nHow much should we keep in liquid assets? Does the term liquid assets refer just to money in a bank account? With interest rates incredibly low and the stock market doing so well, it’s not clear how much to keep readily available. I’m asking this question as a married and retired person.\nAlready Retired Annie\nAnnie,\nYour question is a common one from people of all ages. Even with interest rates low, safety accounts – I don’t like to call them emergency funds — are essential. Whether married, single or partnered in any way, you need a fallback to cover basic needs. \nWhat that amount should be is personal and is based on your spending and responsibilities. The basic rule of thumb is three times basic living expenses, but if you own a home, make it closer to six months. This money should be kept in an account separate from your everyday funds and any savings for your next car, big trip or celebration. Savings is separate from whatever mix of stocks, bonds and cash you have in your investment accounts.\nIf you are retired, you stillneed a safety account. Even if you have a steady monthly retirement income or withdrawal strategy for your 401(k) account, there may be financial surprises: think a new furnace or air conditioner, storm damage, condo assessments, car repairs, medical and dental bills.\nIncome from the stock market is not guaranteed. Ask retirees who saw the value of their investments fall in the dot-com crash of 2000 or in the 2008 financial crisis or in March 2020. Perhaps they even sold in fear, leaving their net worth permanently reduced when prices recovered. Once retired, replenishing those assets is difficult. Having cash buys you time and clearer thinking, and it lets you keep your long-term investing strategy in place.\nLiquid assets are assets you can access quickly and predictably. That is why we start with cash, whether in a savings account, a money-market fund, or a certificate of deposit. Check if the account is insured by the FDIC (money-market accounts are not.) Don’t be swayed by better interest rates, as they are only one part of the story.\nOf course you can sell other assets — from your home to car to jewelry, even stocks and bonds — for cash, turning them liquid. But the dollar value isn’t predictable. Nor in some cases is the time involved. And don’t forget the added cost of capital-gains taxes on investments and, in some cases, your home.\nNo matter when you need it, cash holds the same price; investments do not.\nA home equity line of credit, or HELOC, is not a safety account, despite what some claim. That is a backup option that may be good to have, but once tapped, it is a loan that must be paid back with interest. No matter how tempting the option, you are taking a risk. Paying off debt is not easy in retirement, even more so when faced with inflation. And locking yourself into more debt when you are no longer working creates stress.\nWithdrawing money from an investment account – whether a 403(b), 401(k) or IRA – is smart with a plan. But without one, the implications create financial havoc. A retired woman was building her dream home and ran over budget. She withdrew $10,000 from her IRA to make the final payment to the contractor and to get built-ins she wanted in a closet. However, she was only 59. She had to pay a 10% penalty for early withdrawal — $1,000 — on top of the income tax due (withdrawal from traditional retirement accounts are taxed as ordinary income). Deciding and acting on the fly cost her extra money.\nAdding an additional monthly payment, paying a penalty for an early withdrawal or selling assets in a rush may not create a problem today, but retirement lasts many years, hopefully decades. Having a consistent cash fund can help you with those bumps along the way and gives you a fun, more relaxing retirement.\nCD Moriarty is a certified financial planner, a columnist for MarketWatch and a personal-finance speaker. She blogs at MoneyPeace.","news_type":1,"symbols_score_info":{"SPY":0.9,".DJI":0.9,".SPX":0.9,".IXIC":0.9}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":5769483,"gmtCreate":1630919302281,"gmtModify":1635129573507,"authorId":3584520268259172,"author":{"id":3584520268259172,"idStr":"3584520268259172","authorId":3584520268259172,"name":"Kucing","avatar":"https://static.tigerbbs.com/3c4942db49a9ed9bfaecacc7837dec2f","vip":1,"crmLevel":12,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[]},"repliedAuthorId":0,"objectId":817180560,"type":1,"supId":0,"prevId":0,"content":"cash","text":"cash","html":"cash"},{"id":5769498,"gmtCreate":1630919656595,"gmtModify":1635129572655,"authorId":3575882730419858,"author":{"id":3575882730419858,"idStr":"3575882730419858","authorId":3575882730419858,"name":"Kennyoscar","avatar":"https://static.tigerbbs.com/7ae5bbd70eee00b69de3be27b8862938","vip":1,"crmLevel":12,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[]},"repliedAuthorId":0,"objectId":817180560,"type":1,"supId":0,"prevId":0,"content":"Nice","text":"Nice","html":"Nice"}],"langContent":"EN"},{"id":817101700,"gmtCreate":1630914430600,"gmtModify":1631893568593,"author":{"id":"3565687171198207","authorId":"3565687171198207","name":"Holla","avatar":"https://static.tigerbbs.com/c0b0e402ff8043410cc67ffccbfe2174","vip":1,"crmLevel":11,"crmLevelSwitch":0,"wearingBadges":[],"authorIdStr":"3565687171198207","idStr":"3565687171198207"},"htmlText":"Like pls","listText":"Like pls","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":3,"repostSize":0,"link":"https://laohu8.com/post/817101700","repostId":1167279106,"repostType":4,"repost":{"id":"1167279106","kind":"news","pubTimestamp":1630913272,"share":"https://www.laohu8.com/m/news/1167279106?lang=zh_CN&edition=full","pubTime":"2021-09-06 15:27","market":"us","language":"en","title":"With interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?<blockquote>由于利率低得令人难以置信，股市表现如此良好，我应该保留多少流动资产？</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1167279106","media":"MarketWatch","summary":"Rules of thumb … and then the amount that’s right for you.\n\nDear Ms. MoneyPeace: \nHow much should we","content":" Rules of thumb … and then the amount that’s right for you. Dear Ms. MoneyPeace:&nbsp;<blockquote>经验法则…然后是适合你的数量。亲爱的MoneyPeace女士：</blockquote> How much should we keep in liquid assets? Does the term liquid assets refer just to money in a bank account? With interest rates incredibly low and the stock market doing so well, it’s not clear how much to keep readily available. I’m asking this question as a married and retired person.<blockquote>我们应该保留多少流动资产？流动资产一词仅仅指银行账户中的钱吗？由于利率低得令人难以置信，股市表现如此之好，目前尚不清楚有多少资金可以随时使用。我是作为一个已婚退休的人问这个问题的。</blockquote> Already Retired Annie<blockquote>已经退休的安妮</blockquote> Annie,<blockquote>安妮，</blockquote> Your question is a common one from people of all ages. Even with interest rates low, safety accounts – I don’t like to call them emergency funds — are essential. Whether married, single or partnered in any way, you need a fallback to cover basic needs.&nbsp;<blockquote>你的问题是所有年龄段的人的常见问题。即使利率很低，安全账户——我不喜欢看涨期权它们是应急资金——也是必不可少的。无论是已婚、单身还是以任何方式伴侣，你都需要一个后备来满足基本需求。</blockquote> What that amount should be is personal and is based on your spending and responsibilities. The basic rule of thumb is three times basic living expenses, but if you own a home, make it closer to six months. This money should be kept in an account separate from your everyday funds and any savings for your next car, big trip or celebration. Savings is separate from whatever mix of stocks, bonds and cash you have in your investment accounts.<blockquote>这个数额应该是个人的，取决于你的支出和责任。基本的经验法则是基本生活费用的三倍，但如果你拥有一套房子，就让它接近六个月。这笔钱应该存放在一个账户中，与您的日常资金以及下一辆车、大型旅行或庆祝活动的任何储蓄分开。储蓄与您投资账户中的股票、债券和现金组合是分开的。</blockquote> If you are retired, you stillneed a safety account. Even if you have a steady monthly retirement income or withdrawal strategy for your 401(k) account, there may be financial surprises: think a new furnace or air conditioner, storm damage, condo assessments, car repairs, medical and dental bills.<blockquote>如果你退休了，你仍然需要一个安全账户。即使您的401(k)账户有稳定的每月退休收入或提款策略，也可能会出现财务意外：想想新的炉子或空调、风暴损坏、公寓评估、汽车维修、医疗和牙科账单。</blockquote> Income from the stock market is not guaranteed. Ask retirees who saw the value of their investments fall in the dot-com crash of 2000 or in the 2008 financial crisis or in March 2020. Perhaps they even sold in fear, leaving their net worth permanently reduced when prices recovered. Once retired, replenishing those assets is difficult. Having cash buys you time and clearer thinking, and it lets you keep your long-term investing strategy in place.<blockquote>股票市场的收入没有保证。问问那些在2000年互联网泡沫破裂、2008年金融危机或2020年3月投资价值下跌的退休人员。也许他们甚至在恐惧中抛售，当价格回升时，他们的净资产永久减少。一旦退休，补充这些资产就很困难。拥有现金可以为您赢得时间和更清晰的思维，并让您保持长期投资策略。</blockquote> Liquid assets are assets you can access quickly and predictably. That is why we start with cash, whether in a savings account, a money-market fund, or a certificate of deposit. Check if the account is insured by the FDIC (money-market accounts are not.) Don’t be swayed by better interest rates, as they are only one part of the story.<blockquote>流动资产是您可以快速且可预测地访问的资产。这就是为什么我们从现金开始，无论是储蓄账户、货币市场基金还是存款证。检查该账户是否由FDIC承保（货币市场账户没有。）不要被更好的利率所左右，因为它们只是故事的一部分。</blockquote> Of course you can sell other assets — from your home to car to jewelry, even stocks and bonds — for cash, turning them liquid. But the dollar value isn’t predictable. Nor in some cases is the time involved. And don’t forget the added cost of capital-gains taxes on investments and, in some cases, your home.<blockquote>当然，你可以出售其他资产——从你的房子到汽车到珠宝，甚至股票和债券——以换取现金，使它们具有流动性。但美元价值是不可预测的。在某些情况下也不涉及时间。不要忘记投资资本利得税的额外成本，在某些情况下，还有你的房屋。</blockquote> No matter when you need it, cash holds the same price; investments do not.<blockquote>无论你什么时候需要，现金都是一样的价格；投资不会。</blockquote> A home equity line of credit, or HELOC, is not a safety account, despite what some claim. That is a backup option that may be good to have, but once tapped, it is a loan that must be paid back with interest. No matter how tempting the option, you are taking a risk. Paying off debt is not easy in retirement, even more so when faced with inflation.&nbsp;And locking yourself into more debt when you are no longer working creates stress.<blockquote>尽管有些人声称，房屋净值信用额度（HELOC）并不是安全账户。这是一个后备选择，可能很好，但一旦动用，它就是一笔必须连本带利偿还的贷款。无论这个选择多么诱人，你都是在冒险。退休后还清债务并不容易，面对通货膨胀时更是如此。当你不再工作时，让自己陷入更多债务会产生压力。</blockquote> Withdrawing money from an investment account – whether a 403(b), 401(k) or IRA – is smart with a plan. But without one, the implications create financial havoc. A retired woman was building her dream home and ran over budget. She withdrew $10,000 from her IRA to make the final payment to the contractor and to get built-ins she wanted in a closet. However, she was only 59. She had to pay a 10% penalty for early withdrawal — $1,000 — on top of the income tax due (withdrawal from traditional retirement accounts are taxed as ordinary income). Deciding and acting on the fly cost her extra money.<blockquote>从投资账户（无论是403(b)、401(k)还是IRA）中提取资金都是明智的计划。但是如果没有一个，其影响会造成金融混乱。一位退休妇女正在建造她梦想中的家，但超出了预算。她从个人退休帐户中提取了10,000美元，向承包商支付了最后一笔款项，并在壁橱里安装了她想要的内置设备。然而，她只有59岁。除了应付所得税之外，她还必须为提前提款支付10%的罚款（1,000美元）（从传统退休账户提款按普通收入征税）。临时决定和行动花费了她额外的钱。</blockquote> Adding an additional monthly payment, paying a penalty for an early withdrawal or selling assets in a rush may not create a problem today, but retirement lasts many years, hopefully decades. Having a consistent cash fund can help you with those bumps along the way and gives you a fun, more relaxing retirement.<blockquote>增加额外的月供、支付提前提款罚款或匆忙出售资产在今天可能不会造成问题，但退休会持续很多年，希望是几十年。拥有一个稳定的现金基金可以帮助你度过一路上的坎坷，给你一个有趣、更放松的退休生活。</blockquote> CD Moriarty is a certified financial planner, a columnist for MarketWatch and a personal-finance speaker. She blogs at&nbsp;MoneyPeace.<blockquote>CD Moriarty是一名注册财务规划师、MarketWatch专栏作家和个人理财演讲者。她在MoneyPeace写博客。</blockquote>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>With interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?<blockquote>由于利率低得令人难以置信，股市表现如此良好，我应该保留多少流动资产？</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWith interest rates incredibly low and the stock market doing so well, how much should I keep in liquid assets?<blockquote>由于利率低得令人难以置信，股市表现如此良好，我应该保留多少流动资产？</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nMarketWatch2021-09-06 15:27\n\n</h4>\n</header>\n<article>\n Rules of thumb … and then the amount that’s right for you. Dear Ms. MoneyPeace:&nbsp;<blockquote>经验法则…然后是适合你的数量。亲爱的MoneyPeace女士：</blockquote> How much should we keep in liquid assets? Does the term liquid assets refer just to money in a bank account? With interest rates incredibly low and the stock market doing so well, it’s not clear how much to keep readily available. I’m asking this question as a married and retired person.<blockquote>我们应该保留多少流动资产？流动资产一词仅仅指银行账户中的钱吗？由于利率低得令人难以置信，股市表现如此之好，目前尚不清楚有多少资金可以随时使用。我是作为一个已婚退休的人问这个问题的。</blockquote> Already Retired Annie<blockquote>已经退休的安妮</blockquote> Annie,<blockquote>安妮，</blockquote> Your question is a common one from people of all ages. Even with interest rates low, safety accounts – I don’t like to call them emergency funds — are essential. Whether married, single or partnered in any way, you need a fallback to cover basic needs.&nbsp;<blockquote>你的问题是所有年龄段的人的常见问题。即使利率很低，安全账户——我不喜欢看涨期权它们是应急资金——也是必不可少的。无论是已婚、单身还是以任何方式伴侣，你都需要一个后备来满足基本需求。</blockquote> What that amount should be is personal and is based on your spending and responsibilities. The basic rule of thumb is three times basic living expenses, but if you own a home, make it closer to six months. This money should be kept in an account separate from your everyday funds and any savings for your next car, big trip or celebration. Savings is separate from whatever mix of stocks, bonds and cash you have in your investment accounts.<blockquote>这个数额应该是个人的，取决于你的支出和责任。基本的经验法则是基本生活费用的三倍，但如果你拥有一套房子，就让它接近六个月。这笔钱应该存放在一个账户中，与您的日常资金以及下一辆车、大型旅行或庆祝活动的任何储蓄分开。储蓄与您投资账户中的股票、债券和现金组合是分开的。</blockquote> If you are retired, you stillneed a safety account. Even if you have a steady monthly retirement income or withdrawal strategy for your 401(k) account, there may be financial surprises: think a new furnace or air conditioner, storm damage, condo assessments, car repairs, medical and dental bills.<blockquote>如果你退休了，你仍然需要一个安全账户。即使您的401(k)账户有稳定的每月退休收入或提款策略，也可能会出现财务意外：想想新的炉子或空调、风暴损坏、公寓评估、汽车维修、医疗和牙科账单。</blockquote> Income from the stock market is not guaranteed. Ask retirees who saw the value of their investments fall in the dot-com crash of 2000 or in the 2008 financial crisis or in March 2020. Perhaps they even sold in fear, leaving their net worth permanently reduced when prices recovered. Once retired, replenishing those assets is difficult. Having cash buys you time and clearer thinking, and it lets you keep your long-term investing strategy in place.<blockquote>股票市场的收入没有保证。问问那些在2000年互联网泡沫破裂、2008年金融危机或2020年3月投资价值下跌的退休人员。也许他们甚至在恐惧中抛售，当价格回升时，他们的净资产永久减少。一旦退休，补充这些资产就很困难。拥有现金可以为您赢得时间和更清晰的思维，并让您保持长期投资策略。</blockquote> Liquid assets are assets you can access quickly and predictably. That is why we start with cash, whether in a savings account, a money-market fund, or a certificate of deposit. Check if the account is insured by the FDIC (money-market accounts are not.) Don’t be swayed by better interest rates, as they are only one part of the story.<blockquote>流动资产是您可以快速且可预测地访问的资产。这就是为什么我们从现金开始，无论是储蓄账户、货币市场基金还是存款证。检查该账户是否由FDIC承保（货币市场账户没有。）不要被更好的利率所左右，因为它们只是故事的一部分。</blockquote> Of course you can sell other assets — from your home to car to jewelry, even stocks and bonds — for cash, turning them liquid. But the dollar value isn’t predictable. Nor in some cases is the time involved. And don’t forget the added cost of capital-gains taxes on investments and, in some cases, your home.<blockquote>当然，你可以出售其他资产——从你的房子到汽车到珠宝，甚至股票和债券——以换取现金，使它们具有流动性。但美元价值是不可预测的。在某些情况下也不涉及时间。不要忘记投资资本利得税的额外成本，在某些情况下，还有你的房屋。</blockquote> No matter when you need it, cash holds the same price; investments do not.<blockquote>无论你什么时候需要，现金都是一样的价格；投资不会。</blockquote> A home equity line of credit, or HELOC, is not a safety account, despite what some claim. That is a backup option that may be good to have, but once tapped, it is a loan that must be paid back with interest. No matter how tempting the option, you are taking a risk. Paying off debt is not easy in retirement, even more so when faced with inflation.&nbsp;And locking yourself into more debt when you are no longer working creates stress.<blockquote>尽管有些人声称，房屋净值信用额度（HELOC）并不是安全账户。这是一个后备选择，可能很好，但一旦动用，它就是一笔必须连本带利偿还的贷款。无论这个选择多么诱人，你都是在冒险。退休后还清债务并不容易，面对通货膨胀时更是如此。当你不再工作时，让自己陷入更多债务会产生压力。</blockquote> Withdrawing money from an investment account – whether a 403(b), 401(k) or IRA – is smart with a plan. But without one, the implications create financial havoc. A retired woman was building her dream home and ran over budget. She withdrew $10,000 from her IRA to make the final payment to the contractor and to get built-ins she wanted in a closet. However, she was only 59. She had to pay a 10% penalty for early withdrawal — $1,000 — on top of the income tax due (withdrawal from traditional retirement accounts are taxed as ordinary income). Deciding and acting on the fly cost her extra money.<blockquote>从投资账户（无论是403(b)、401(k)还是IRA）中提取资金都是明智的计划。但是如果没有一个，其影响会造成金融混乱。一位退休妇女正在建造她梦想中的家，但超出了预算。她从个人退休帐户中提取了10,000美元，向承包商支付了最后一笔款项，并在壁橱里安装了她想要的内置设备。然而，她只有59岁。除了应付所得税之外，她还必须为提前提款支付10%的罚款（1,000美元）（从传统退休账户提款按普通收入征税）。临时决定和行动花费了她额外的钱。</blockquote> Adding an additional monthly payment, paying a penalty for an early withdrawal or selling assets in a rush may not create a problem today, but retirement lasts many years, hopefully decades. Having a consistent cash fund can help you with those bumps along the way and gives you a fun, more relaxing retirement.<blockquote>增加额外的月供、支付提前提款罚款或匆忙出售资产在今天可能不会造成问题，但退休会持续很多年，希望是几十年。拥有一个稳定的现金基金可以帮助你度过一路上的坎坷，给你一个有趣、更放松的退休生活。</blockquote> CD Moriarty is a certified financial planner, a columnist for MarketWatch and a personal-finance speaker. She blogs at&nbsp;MoneyPeace.<blockquote>CD Moriarty是一名注册财务规划师、MarketWatch专栏作家和个人理财演讲者。她在MoneyPeace写博客。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.marketwatch.com/story/with-interest-rates-incredibly-low-and-the-stock-market-doing-so-well-how-much-should-i-keep-in-liquid-assets-11630703616?mod=home-page\">MarketWatch</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".DJI":"道琼斯",".SPX":"S&P 500 Index",".IXIC":"NASDAQ Composite","SPY":"标普500ETF"},"source_url":"https://www.marketwatch.com/story/with-interest-rates-incredibly-low-and-the-stock-market-doing-so-well-how-much-should-i-keep-in-liquid-assets-11630703616?mod=home-page","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1167279106","content_text":"Rules of thumb … and then the amount that’s right for you.\n\nDear Ms. MoneyPeace: \nHow much should we keep in liquid assets? Does the term liquid assets refer just to money in a bank account? With interest rates incredibly low and the stock market doing so well, it’s not clear how much to keep readily available. I’m asking this question as a married and retired person.\nAlready Retired Annie\nAnnie,\nYour question is a common one from people of all ages. Even with interest rates low, safety accounts – I don’t like to call them emergency funds — are essential. Whether married, single or partnered in any way, you need a fallback to cover basic needs. \nWhat that amount should be is personal and is based on your spending and responsibilities. The basic rule of thumb is three times basic living expenses, but if you own a home, make it closer to six months. This money should be kept in an account separate from your everyday funds and any savings for your next car, big trip or celebration. Savings is separate from whatever mix of stocks, bonds and cash you have in your investment accounts.\nIf you are retired, you stillneed a safety account. Even if you have a steady monthly retirement income or withdrawal strategy for your 401(k) account, there may be financial surprises: think a new furnace or air conditioner, storm damage, condo assessments, car repairs, medical and dental bills.\nIncome from the stock market is not guaranteed. Ask retirees who saw the value of their investments fall in the dot-com crash of 2000 or in the 2008 financial crisis or in March 2020. Perhaps they even sold in fear, leaving their net worth permanently reduced when prices recovered. Once retired, replenishing those assets is difficult. Having cash buys you time and clearer thinking, and it lets you keep your long-term investing strategy in place.\nLiquid assets are assets you can access quickly and predictably. That is why we start with cash, whether in a savings account, a money-market fund, or a certificate of deposit. Check if the account is insured by the FDIC (money-market accounts are not.) Don’t be swayed by better interest rates, as they are only one part of the story.\nOf course you can sell other assets — from your home to car to jewelry, even stocks and bonds — for cash, turning them liquid. But the dollar value isn’t predictable. Nor in some cases is the time involved. And don’t forget the added cost of capital-gains taxes on investments and, in some cases, your home.\nNo matter when you need it, cash holds the same price; investments do not.\nA home equity line of credit, or HELOC, is not a safety account, despite what some claim. That is a backup option that may be good to have, but once tapped, it is a loan that must be paid back with interest. No matter how tempting the option, you are taking a risk. Paying off debt is not easy in retirement, even more so when faced with inflation. And locking yourself into more debt when you are no longer working creates stress.\nWithdrawing money from an investment account – whether a 403(b), 401(k) or IRA – is smart with a plan. But without one, the implications create financial havoc. A retired woman was building her dream home and ran over budget. She withdrew $10,000 from her IRA to make the final payment to the contractor and to get built-ins she wanted in a closet. However, she was only 59. She had to pay a 10% penalty for early withdrawal — $1,000 — on top of the income tax due (withdrawal from traditional retirement accounts are taxed as ordinary income). Deciding and acting on the fly cost her extra money.\nAdding an additional monthly payment, paying a penalty for an early withdrawal or selling assets in a rush may not create a problem today, but retirement lasts many years, hopefully decades. Having a consistent cash fund can help you with those bumps along the way and gives you a fun, more relaxing retirement.\nCD Moriarty is a certified financial planner, a columnist for MarketWatch and a personal-finance speaker. 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