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2021-07-03

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Suze Orman worries about a market crash — here's what you should do<blockquote>苏兹·奥曼 (Suze Orman) 担心市场崩盘——以下是您应该做的</blockquote>

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{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":152408909,"tweetId":"152408909","gmtCreate":1625321101201,"gmtModify":1631889890399,"author":{"id":3578396933520971,"idStr":"3578396933520971","authorId":3578396933520971,"authorIdStr":"3578396933520971","name":"xiaoyinggg","avatar":"https://static.tigerbbs.com/8600ad32e3fc5468573b589bdcd0dda3","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[],"fanSize":12,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"title":"","extraTitle":"","html":"<html><head></head><body>like pls</body></html>","htmlText":"<html><head></head><body>like pls</body></html>","text":"like pls","highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":1,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/152408909","repostId":1188153141,"repostType":4,"repost":{"id":"1188153141","kind":"news","pubTimestamp":1625276221,"share":"https://www.laohunote.com/m/news/1188153141?lang=zh_CN&edition=full","pubTime":"2021-07-03 09:37","market":"us","language":"en","title":"Suze Orman worries about a market crash — here's what you should do<blockquote>苏兹·奥曼 (Suze Orman) 担心市场崩盘——以下是您应该做的</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1188153141","media":"MoneyWise","summary":"As stock markets continue setting records, fallout from COVID-19 continues to create problems for th","content":"As stock markets continue setting records, fallout from COVID-19 continues to create problems for the economy.<blockquote>随着股市继续创下纪录，新冠肺炎的影响继续给经济带来问题。</blockquote> That clash has worried investing experts, including Suze Orman, who's gone so far as to say she’s now preparing for an inevitable market crash.<blockquote>这场冲突让包括苏兹-奥曼（Suze Orman）在内的投资专家感到担忧，她甚至表示自己现在正在为不可避免的市场崩盘做准备。</blockquote> And a famous measurement popularized by Warren Buffett — known as the Buffett Indicator — shows Orman might be onto something.<blockquote>沃伦·巴菲特推广的一个著名指标——被称为巴菲特指标——表明奥曼可能有所发现。</blockquote> Here’s an explanation of where the concern is coming from and some techniques you can use tokeep your investment portfolio growingeven if the market goes south.<blockquote>以下是对这种担忧从何而来的解释，以及即使市场下跌，您也可以使用一些技巧来保持投资组合的增长。</blockquote> What does Suze Orman think?<blockquote>苏兹·奥曼怎么想？</blockquote> <img src=\"https://static.tigerbbs.com/be8dc3ad363faad96bc575a22235562d\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Mediapunch/Shutterstock<blockquote>媒体打孔/Shutterstock</blockquote> Suze Orman has avidly watched the market for decades. She knows ups and downs are to be expected, but what she’s seeing happen with investment fads like GameStop has her concerned.<blockquote>苏兹·奥曼几十年来一直热切关注市场。她知道起起落落是意料之中的，但她所看到的像游戏驿站这样的投资时尚让她感到担忧。</blockquote> “I don’t like what I see happening in the market right now,” Orman said in a video for CNBC. “The economy has been horrible, but the stock market has been going.”<blockquote>“奥曼在 CNBC 的一段视频中说：”我不喜欢我现在在市场上看到的情况。“经济形势很糟糕，但股市一直在上涨”。</blockquote> While investing is as easy now asusing a smartphone app, Orman is concerned about where we can go from these record highs.<blockquote>虽然现在投资就像使用智能手机应用程序一样简单，但奥曼担心我们能从这些历史高点走向何方。</blockquote> And even with stimulus checks, which are still going out, and the real estate market breaking its own records last year, Orman worries about what will come with the coronavirus — especially as new variants continue to pop up.<blockquote>即使刺激检查仍在进行中，房地产市场去年也打破了自己的记录，奥曼仍然担心冠状病毒会带来什么——尤其是在新变种不断涌现的情况下。</blockquote> What's more, she feels it’s just been too long since the last crash to stay this high much longer.<blockquote>更重要的是，她觉得自从上次撞车以来，已经太久了，不能再在这个高度停留太久了。</blockquote> “This reminds me of 2000 all over again,” Orman says.<blockquote>“奥尔曼说：”这让我再次想起了 2000 年。</blockquote> The Buffett Indicator<blockquote>巴菲特指标</blockquote> <img src=\"https://static.tigerbbs.com/44ada32ecadcc4581fed208f4f4e4d53\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Larry W Smith/EPA/Shutterstock<blockquote>拉里·W·史密斯/EPA/Shutterstock</blockquote> One metric Warren Buffett uses to assess the market so regularly that it’s been named after him has been flashing red for long enough that market watchers are starting to wonder if it’s an outdated tool.<blockquote>沃伦-巴菲特（Warren Buffett）经常用来评估市场的一个指标，以他的名字命名，这个指标已经出现了足够长的时间，以至于市场观察人士开始怀疑它是否是一个过时的工具。</blockquote> But the Buffett Indicator, a measurement of the ratio of the stock market’s total value against U.S. economic output, continues to climb to previously unseen levels.<blockquote>但巴菲特指标（衡量股市总价值与美国经济产出之比的指标）继续攀升至前所未有的水平。</blockquote> And those in the know are wondering if it's a sign that we’re about to see a hard fall.<blockquote>知情人士不禁要问，这是否是我们即将迎来一场硬着陆的征兆。</blockquote> How to prepare for a crash<img src=\"https://static.tigerbbs.com/1ad912a6b4611d9e39b46d2851c78c9e\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Freedomz / Shutterstock<blockquote>如何为撞车做好准备Freedomz / Shutterstock</blockquote> Orman has three recommendations for setting up a simple investment strategy to help you successfully navigate any sharp turns in the market.<blockquote>奥曼提出了三个建立简单投资策略的建议，以帮助您成功应对市场的任何急转弯。</blockquote> 1. Buy low<blockquote>1. 低买入</blockquote> Part of what upsets Orman so much about the furor over meme stocks like GameStop is it goes completely against the average investor’s interests.<blockquote>奥曼对游戏驿站等备受关注的股票感到非常不安，部分原因是它完全违背了普通投资者的利益。</blockquote> “All of you have your heads screwed on backwards,” she says. “All you want is for these markets to go up and up and up. What good is that going to do you?”<blockquote>“她说：”你们所有人的头都被拧到了后面。“你只想让这些市场不断上涨。这对你有什么好处？”</blockquote> She points out the only extra money most people have goes towardinvesting for retirementin their 401(k) or IRA plans.<blockquote>她指出，大多数人唯一的额外资金是在 401(k) 或 IRA 计划中用于退休投资。</blockquote> Because you probably don’t plan to touch that money for decades, the best long-term strategy is to buy low. That way, your dollar will go much further now, leaving plenty of room for growth over the next 20, 30 or 40 years.<blockquote>因为你可能几十年都不打算动用这笔钱，所以最好的长期策略是低价买入。这样，您的美元现在将走得更远，为未来 20、30 或 40 年的增长留下充足的空间。</blockquote> 2. Invest on a schedule<blockquote>2. 按计划投资</blockquote> <img src=\"https://static.tigerbbs.com/e4102f8a6d5002090743b1cbded32ef9\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">katjen / Shutterstock<blockquote>卡特延 / Shutterstock</blockquote> While she prefers to buy low, Orman doesn’t recommend you stop investing completely when the market goes up.<blockquote>虽然奥曼更喜欢低价买入，但她并不建议您在市场上涨时完全停止投资。</blockquote> She wants casual investors to not get caught up in the daily ups and downs of the market.<blockquote>她希望普通投资者不要陷入市场每天的起伏之中。</blockquote> In fact, cheering for downturns now may be your best bet at getting a larger piece of very profitable investments — like some lucky investors were able to do back in 2007 and 2008.<blockquote>事实上，现在为经济衰退欢呼可能是你获得更多利润丰厚投资的最佳选择——就像一些幸运的投资者在 2007 年和 2008 年所做的那样。</blockquote> “When the market went down, down, down you could buy things at nothing,” says Orman. “And now look at them 15 years later.”<blockquote>“奥尔曼说：”当市场下跌、下跌、下跌时，你可以免费买到东西。“现在看看 15 年后的他们。”</blockquote> She suggests you set up a dollar-cost averaging strategy, which means you invest your money in equal portions at regular intervals, regardless of the market’s fluctuations.<blockquote>她建议您制定美元成本平均策略，这意味着无论市场波动如何，您都要定期等额投资。</blockquote> This kind of approach is easy to implement with any of the many investing apps currently available to DIY investors.<blockquote>这种方法很容易在目前可供DIY投资者使用的许多投资应用程序中实现。</blockquote> There are even apps that willautomatically invest your spare changeby rounding up your debit and credit card purchases to the nearest dollar.<blockquote>甚至还有一些应用程序会通过将您的借记卡和信用卡购买金额四舍五入到最接近的美元来自动投资您的备用零钱。</blockquote> 3. Diversify with fractional shares<blockquote>3. 通过零碎股份实现多元化</blockquote> To help weather dips in specific corners of the market, Orman suggests you diversify your investments — balance your portfolio with investments in many different types of assets and sectors of the economy.<blockquote>为了帮助抵御市场特定角落的下跌，奥曼建议您分散投资——通过对许多不同类型资产和经济部门的投资来平衡您的投资组合。</blockquote> Orman particularly recommends fractional-share investing. This approach allows you to buy a slice of a share for a big-name company that you otherwise wouldn’t be able to afford.<blockquote>奥曼特别推荐零股投资。这种方法可以让你购买一家大牌公司的股份，否则你将买不起这部分股份。</blockquote> With the help of apopular stock-trading tool, anyone at any budget can afford the fractional share strategy.<blockquote>在不受欢迎的股票交易工具的帮助下，任何预算的任何人都可以负担得起碎股策略。</blockquote> “The sooner you begin, the more money you will have,” says Orman. “Just don’t stop, and when these markets go down, you should be so happy because your dollars find more shares.”<blockquote>“奥曼说：”越早开始，你的钱就越多。“只是不要停下来，当这些市场下跌时，你应该非常高兴，因为你的美元找到了更多的股票”。</blockquote> “And the more shares you have, the more money you’ll have 20, 40, 50 years from now.”<blockquote>“你拥有的股份越多，20 年、40 年、50 年后你拥有的钱就越多。”</blockquote> What else you can do<blockquote>你还能做什么</blockquote> <img src=\"https://static.tigerbbs.com/5e79c6fd1f8fa6e3a7c3a6c94f1e14b5\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">goodluz / Shutterstock<blockquote>古德卢兹 / Shutterstock</blockquote> Whether or not a big crash is around the corner, investors who are still decades out from retirement can make that work for them, Orman said in theCNBC video.<blockquote>奥曼在 CNBC 视频中表示，无论大崩盘是否迫在眉睫，距离退休还有几十年的投资者都可以利用这一点。</blockquote> First, prepare for the worst and hope for the best. Since the onset of the pandemic, Orman now recommends everyone have an emergency fund that can cover their expenses for a full year.<blockquote>首先，做最坏的打算，抱最好的希望。自从疫情爆发以来，奥曼现在建议每个人都有一个应急基金，可以支付他们一整年的费用。</blockquote> Then, to set yourself up fora comfortable retirement, she suggests you opt for a Roth account, whether that’s a 401(k) or IRA.<blockquote>然后，为了让自己过上舒适的退休生活，她建议您选择罗斯账户，无论是 401(k) 还是 IRA。</blockquote> That will help you avoid paying tax when you take money out of your retirement account because your contributions to a Roth account are made after tax. Traditional IRAs, on the other hand, aren’t taxed when you make contributions, so you’ll end up paying later.<blockquote>当您从退休账户中提取资金时，这将帮助您避免纳税，因为您对罗斯账户的缴款是在税后进行的。另一方面，传统的 IRA 在您供款时无需缴税，因此您最终会在以后付款。</blockquote> If you find you need a little more guidance, working with aprofessional financial adviser, can help point you in the right direction so you can confidently ride out any market volatility.<blockquote>如果你发现你需要更多的指导，与专业的财务顾问合作，可以帮助你指出正确的方向，这样你就可以自信地度过任何市场波动。</blockquote> While everyone else is veering off course or overcorrecting, you’ll be firmly in the driver’s seat with your sunset years planned for.<blockquote>当其他人都在偏离航向或过度纠正时，你将牢牢掌握在驾驶座上，计划着你的夕阳西下。</blockquote>","source":"lsy1621813427262","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>Suze Orman worries about a market crash — here's what you should do<blockquote>苏兹·奥曼 (Suze Orman) 担心市场崩盘——以下是您应该做的</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; 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}\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\">\nSuze Orman worries about a market crash — here's what you should do<blockquote>苏兹·奥曼 (Suze Orman) 担心市场崩盘——以下是您应该做的</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nMoneyWise2021-07-03 09:37\n\n</h4>\n</header>\n<article>\nAs stock markets continue setting records, fallout from COVID-19 continues to create problems for the economy.<blockquote>随着股市继续创下纪录，新冠肺炎的影响继续给经济带来问题。</blockquote> That clash has worried investing experts, including Suze Orman, who's gone so far as to say she’s now preparing for an inevitable market crash.<blockquote>这场冲突让包括苏兹-奥曼（Suze Orman）在内的投资专家感到担忧，她甚至表示自己现在正在为不可避免的市场崩盘做准备。</blockquote> And a famous measurement popularized by Warren Buffett — known as the Buffett Indicator — shows Orman might be onto something.<blockquote>沃伦·巴菲特推广的一个著名指标——被称为巴菲特指标——表明奥曼可能有所发现。</blockquote> Here’s an explanation of where the concern is coming from and some techniques you can use tokeep your investment portfolio growingeven if the market goes south.<blockquote>以下是对这种担忧从何而来的解释，以及即使市场下跌，您也可以使用一些技巧来保持投资组合的增长。</blockquote> What does Suze Orman think?<blockquote>苏兹·奥曼怎么想？</blockquote> <img src=\"https://static.tigerbbs.com/be8dc3ad363faad96bc575a22235562d\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Mediapunch/Shutterstock<blockquote>媒体打孔/Shutterstock</blockquote> Suze Orman has avidly watched the market for decades. She knows ups and downs are to be expected, but what she’s seeing happen with investment fads like GameStop has her concerned.<blockquote>苏兹·奥曼几十年来一直热切关注市场。她知道起起落落是意料之中的，但她所看到的像游戏驿站这样的投资时尚让她感到担忧。</blockquote> “I don’t like what I see happening in the market right now,” Orman said in a video for CNBC. “The economy has been horrible, but the stock market has been going.”<blockquote>“奥曼在 CNBC 的一段视频中说：”我不喜欢我现在在市场上看到的情况。“经济形势很糟糕，但股市一直在上涨”。</blockquote> While investing is as easy now asusing a smartphone app, Orman is concerned about where we can go from these record highs.<blockquote>虽然现在投资就像使用智能手机应用程序一样简单，但奥曼担心我们能从这些历史高点走向何方。</blockquote> And even with stimulus checks, which are still going out, and the real estate market breaking its own records last year, Orman worries about what will come with the coronavirus — especially as new variants continue to pop up.<blockquote>即使刺激检查仍在进行中，房地产市场去年也打破了自己的记录，奥曼仍然担心冠状病毒会带来什么——尤其是在新变种不断涌现的情况下。</blockquote> What's more, she feels it’s just been too long since the last crash to stay this high much longer.<blockquote>更重要的是，她觉得自从上次撞车以来，已经太久了，不能再在这个高度停留太久了。</blockquote> “This reminds me of 2000 all over again,” Orman says.<blockquote>“奥尔曼说：”这让我再次想起了 2000 年。</blockquote> The Buffett Indicator<blockquote>巴菲特指标</blockquote> <img src=\"https://static.tigerbbs.com/44ada32ecadcc4581fed208f4f4e4d53\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Larry W Smith/EPA/Shutterstock<blockquote>拉里·W·史密斯/EPA/Shutterstock</blockquote> One metric Warren Buffett uses to assess the market so regularly that it’s been named after him has been flashing red for long enough that market watchers are starting to wonder if it’s an outdated tool.<blockquote>沃伦-巴菲特（Warren Buffett）经常用来评估市场的一个指标，以他的名字命名，这个指标已经出现了足够长的时间，以至于市场观察人士开始怀疑它是否是一个过时的工具。</blockquote> But the Buffett Indicator, a measurement of the ratio of the stock market’s total value against U.S. economic output, continues to climb to previously unseen levels.<blockquote>但巴菲特指标（衡量股市总价值与美国经济产出之比的指标）继续攀升至前所未有的水平。</blockquote> And those in the know are wondering if it's a sign that we’re about to see a hard fall.<blockquote>知情人士不禁要问，这是否是我们即将迎来一场硬着陆的征兆。</blockquote> How to prepare for a crash<img src=\"https://static.tigerbbs.com/1ad912a6b4611d9e39b46d2851c78c9e\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Freedomz / Shutterstock<blockquote>如何为撞车做好准备Freedomz / Shutterstock</blockquote> Orman has three recommendations for setting up a simple investment strategy to help you successfully navigate any sharp turns in the market.<blockquote>奥曼提出了三个建立简单投资策略的建议，以帮助您成功应对市场的任何急转弯。</blockquote> 1. Buy low<blockquote>1. 低买入</blockquote> Part of what upsets Orman so much about the furor over meme stocks like GameStop is it goes completely against the average investor’s interests.<blockquote>奥曼对游戏驿站等备受关注的股票感到非常不安，部分原因是它完全违背了普通投资者的利益。</blockquote> “All of you have your heads screwed on backwards,” she says. “All you want is for these markets to go up and up and up. What good is that going to do you?”<blockquote>“她说：”你们所有人的头都被拧到了后面。“你只想让这些市场不断上涨。这对你有什么好处？”</blockquote> She points out the only extra money most people have goes towardinvesting for retirementin their 401(k) or IRA plans.<blockquote>她指出，大多数人唯一的额外资金是在 401(k) 或 IRA 计划中用于退休投资。</blockquote> Because you probably don’t plan to touch that money for decades, the best long-term strategy is to buy low. That way, your dollar will go much further now, leaving plenty of room for growth over the next 20, 30 or 40 years.<blockquote>因为你可能几十年都不打算动用这笔钱，所以最好的长期策略是低价买入。这样，您的美元现在将走得更远，为未来 20、30 或 40 年的增长留下充足的空间。</blockquote> 2. Invest on a schedule<blockquote>2. 按计划投资</blockquote> <img src=\"https://static.tigerbbs.com/e4102f8a6d5002090743b1cbded32ef9\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">katjen / Shutterstock<blockquote>卡特延 / Shutterstock</blockquote> While she prefers to buy low, Orman doesn’t recommend you stop investing completely when the market goes up.<blockquote>虽然奥曼更喜欢低价买入，但她并不建议您在市场上涨时完全停止投资。</blockquote> She wants casual investors to not get caught up in the daily ups and downs of the market.<blockquote>她希望普通投资者不要陷入市场每天的起伏之中。</blockquote> In fact, cheering for downturns now may be your best bet at getting a larger piece of very profitable investments — like some lucky investors were able to do back in 2007 and 2008.<blockquote>事实上，现在为经济衰退欢呼可能是你获得更多利润丰厚投资的最佳选择——就像一些幸运的投资者在 2007 年和 2008 年所做的那样。</blockquote> “When the market went down, down, down you could buy things at nothing,” says Orman. “And now look at them 15 years later.”<blockquote>“奥尔曼说：”当市场下跌、下跌、下跌时，你可以免费买到东西。“现在看看 15 年后的他们。”</blockquote> She suggests you set up a dollar-cost averaging strategy, which means you invest your money in equal portions at regular intervals, regardless of the market’s fluctuations.<blockquote>她建议您制定美元成本平均策略，这意味着无论市场波动如何，您都要定期等额投资。</blockquote> This kind of approach is easy to implement with any of the many investing apps currently available to DIY investors.<blockquote>这种方法很容易在目前可供DIY投资者使用的许多投资应用程序中实现。</blockquote> There are even apps that willautomatically invest your spare changeby rounding up your debit and credit card purchases to the nearest dollar.<blockquote>甚至还有一些应用程序会通过将您的借记卡和信用卡购买金额四舍五入到最接近的美元来自动投资您的备用零钱。</blockquote> 3. Diversify with fractional shares<blockquote>3. 通过零碎股份实现多元化</blockquote> To help weather dips in specific corners of the market, Orman suggests you diversify your investments — balance your portfolio with investments in many different types of assets and sectors of the economy.<blockquote>为了帮助抵御市场特定角落的下跌，奥曼建议您分散投资——通过对许多不同类型资产和经济部门的投资来平衡您的投资组合。</blockquote> Orman particularly recommends fractional-share investing. This approach allows you to buy a slice of a share for a big-name company that you otherwise wouldn’t be able to afford.<blockquote>奥曼特别推荐零股投资。这种方法可以让你购买一家大牌公司的股份，否则你将买不起这部分股份。</blockquote> With the help of apopular stock-trading tool, anyone at any budget can afford the fractional share strategy.<blockquote>在不受欢迎的股票交易工具的帮助下，任何预算的任何人都可以负担得起碎股策略。</blockquote> “The sooner you begin, the more money you will have,” says Orman. “Just don’t stop, and when these markets go down, you should be so happy because your dollars find more shares.”<blockquote>“奥曼说：”越早开始，你的钱就越多。“只是不要停下来，当这些市场下跌时，你应该非常高兴，因为你的美元找到了更多的股票”。</blockquote> “And the more shares you have, the more money you’ll have 20, 40, 50 years from now.”<blockquote>“你拥有的股份越多，20 年、40 年、50 年后你拥有的钱就越多。”</blockquote> What else you can do<blockquote>你还能做什么</blockquote> <img src=\"https://static.tigerbbs.com/5e79c6fd1f8fa6e3a7c3a6c94f1e14b5\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">goodluz / Shutterstock<blockquote>古德卢兹 / Shutterstock</blockquote> Whether or not a big crash is around the corner, investors who are still decades out from retirement can make that work for them, Orman said in theCNBC video.<blockquote>奥曼在 CNBC 视频中表示，无论大崩盘是否迫在眉睫，距离退休还有几十年的投资者都可以利用这一点。</blockquote> First, prepare for the worst and hope for the best. Since the onset of the pandemic, Orman now recommends everyone have an emergency fund that can cover their expenses for a full year.<blockquote>首先，做最坏的打算，抱最好的希望。自从疫情爆发以来，奥曼现在建议每个人都有一个应急基金，可以支付他们一整年的费用。</blockquote> Then, to set yourself up fora comfortable retirement, she suggests you opt for a Roth account, whether that’s a 401(k) or IRA.<blockquote>然后，为了让自己过上舒适的退休生活，她建议您选择罗斯账户，无论是 401(k) 还是 IRA。</blockquote> That will help you avoid paying tax when you take money out of your retirement account because your contributions to a Roth account are made after tax. Traditional IRAs, on the other hand, aren’t taxed when you make contributions, so you’ll end up paying later.<blockquote>当您从退休账户中提取资金时，这将帮助您避免纳税，因为您对罗斯账户的缴款是在税后进行的。另一方面，传统的 IRA 在您供款时无需缴税，因此您最终会在以后付款。</blockquote> If you find you need a little more guidance, working with aprofessional financial adviser, can help point you in the right direction so you can confidently ride out any market volatility.<blockquote>如果你发现你需要更多的指导，与专业的财务顾问合作，可以帮助你指出正确的方向，这样你就可以自信地度过任何市场波动。</blockquote> While everyone else is veering off course or overcorrecting, you’ll be firmly in the driver’s seat with your sunset years planned for.<blockquote>当其他人都在偏离航向或过度纠正时，你将牢牢掌握在驾驶座上，计划着你的夕阳西下。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://finance.yahoo.com/news/suze-orman-worries-market-crash-220000108.html\">MoneyWise</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":{".IXIC":"NASDAQ Composite",".SPX":"S&P 500 Index",".DJI":"道琼斯","SPY":"标普500ETF"},"source_url":"https://finance.yahoo.com/news/suze-orman-worries-market-crash-220000108.html","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1188153141","content_text":"As stock markets continue setting records, fallout from COVID-19 continues to create problems for the economy.\nThat clash has worried investing experts, including Suze Orman, who's gone so far as to say she’s now preparing for an inevitable market crash.\nAnd a famous measurement popularized by Warren Buffett — known as the Buffett Indicator — shows Orman might be onto something.\nHere’s an explanation of where the concern is coming from and some techniques you can use tokeep your investment portfolio growingeven if the market goes south.\nWhat does Suze Orman think?\nMediapunch/Shutterstock\nSuze Orman has avidly watched the market for decades. She knows ups and downs are to be expected, but what she’s seeing happen with investment fads like GameStop has her concerned.\n“I don’t like what I see happening in the market right now,” Orman said in a video for CNBC. “The economy has been horrible, but the stock market has been going.”\nWhile investing is as easy now asusing a smartphone app, Orman is concerned about where we can go from these record highs.\nAnd even with stimulus checks, which are still going out, and the real estate market breaking its own records last year, Orman worries about what will come with the coronavirus — especially as new variants continue to pop up.\nWhat's more, she feels it’s just been too long since the last crash to stay this high much longer.\n“This reminds me of 2000 all over again,” Orman says.\nThe Buffett Indicator\nLarry W Smith/EPA/Shutterstock\nOne metric Warren Buffett uses to assess the market so regularly that it’s been named after him has been flashing red for long enough that market watchers are starting to wonder if it’s an outdated tool.\nBut the Buffett Indicator, a measurement of the ratio of the stock market’s total value against U.S. economic output, continues to climb to previously unseen levels.\nAnd those in the know are wondering if it's a sign that we’re about to see a hard fall.\nHow to prepare for a crashFreedomz / Shutterstock\nOrman has three recommendations for setting up a simple investment strategy to help you successfully navigate any sharp turns in the market.\n1. Buy low\nPart of what upsets Orman so much about the furor over meme stocks like GameStop is it goes completely against the average investor’s interests.\n“All of you have your heads screwed on backwards,” she says. “All you want is for these markets to go up and up and up. What good is that going to do you?”\nShe points out the only extra money most people have goes towardinvesting for retirementin their 401(k) or IRA plans.\nBecause you probably don’t plan to touch that money for decades, the best long-term strategy is to buy low. That way, your dollar will go much further now, leaving plenty of room for growth over the next 20, 30 or 40 years.\n2. Invest on a schedule\nkatjen / Shutterstock\nWhile she prefers to buy low, Orman doesn’t recommend you stop investing completely when the market goes up.\nShe wants casual investors to not get caught up in the daily ups and downs of the market.\nIn fact, cheering for downturns now may be your best bet at getting a larger piece of very profitable investments — like some lucky investors were able to do back in 2007 and 2008.\n“When the market went down, down, down you could buy things at nothing,” says Orman. “And now look at them 15 years later.”\nShe suggests you set up a dollar-cost averaging strategy, which means you invest your money in equal portions at regular intervals, regardless of the market’s fluctuations.\nThis kind of approach is easy to implement with any of the many investing apps currently available to DIY investors.\nThere are even apps that willautomatically invest your spare changeby rounding up your debit and credit card purchases to the nearest dollar.\n3. Diversify with fractional shares\nTo help weather dips in specific corners of the market, Orman suggests you diversify your investments — balance your portfolio with investments in many different types of assets and sectors of the economy.\nOrman particularly recommends fractional-share investing. This approach allows you to buy a slice of a share for a big-name company that you otherwise wouldn’t be able to afford.\nWith the help of apopular stock-trading tool, anyone at any budget can afford the fractional share strategy.\n“The sooner you begin, the more money you will have,” says Orman. “Just don’t stop, and when these markets go down, you should be so happy because your dollars find more shares.”\n“And the more shares you have, the more money you’ll have 20, 40, 50 years from now.”\nWhat else you can do\ngoodluz / Shutterstock\nWhether or not a big crash is around the corner, investors who are still decades out from retirement can make that work for them, Orman said in theCNBC video.\nFirst, prepare for the worst and hope for the best. Since the onset of the pandemic, Orman now recommends everyone have an emergency fund that can cover their expenses for a full year.\nThen, to set yourself up fora comfortable retirement, she suggests you opt for a Roth account, whether that’s a 401(k) or IRA.\nThat will help you avoid paying tax when you take money out of your retirement account because your contributions to a Roth account are made after tax. Traditional IRAs, on the other hand, aren’t taxed when you make contributions, so you’ll end up paying later.\nIf you find you need a little more guidance, working with aprofessional financial adviser, can help point you in the right direction so you can confidently ride out any market volatility.\nWhile everyone else is veering off course or overcorrecting, you’ll be firmly in the driver’s seat with your sunset years planned for.","news_type":1,"symbols_score_info":{".DJI":0.9,".IXIC":0.9,".SPX":0.9,"SPY":0.9}},"isVote":1,"tweetType":1,"viewCount":3867,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":7,"subscribersOnly":false,"subscribersOnlyAccessible":false,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/152408909"}