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pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/801095785","repostId":"2154405999","repostType":4,"isVote":1,"tweetType":1,"viewCount":680,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":178985802,"gmtCreate":1626781803306,"gmtModify":1633771110610,"author":{"id":"3575094588078680","authorId":"3575094588078680","name":"Phe","avatar":"https://static.tigerbbs.com/ed69043a0d6c1b1f8640dc9f675278b5","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3575094588078680","authorIdStr":"3575094588078680"},"themes":[],"htmlText":"Like pls ","listText":"Like pls ","text":"Like pls","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/178985802","repostId":"1113159114","repostType":4,"repost":{"id":"1113159114","kind":"news","pubTimestamp":1626780153,"share":"https://www.laohu8.com/m/news/1113159114?lang=zh_CN&edition=full","pubTime":"2021-07-20 19:22","market":"us","language":"en","title":"The market tumbles — is this the crash Suze Orman warned about?<blockquote>市场暴跌——这是Suze Orman警告的崩溃吗？</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1113159114","media":"Money Wise","summary":"The U.S. stock market took a gut-wrenching dive on Monday, but the big worry for investors is what s","content":"<p>The U.S. stock market took a gut-wrenching dive on Monday, but the big worry for investors is what still lies ahead.</p><p><blockquote>美国股市周一暴跌，但投资者最担心的是未来。</blockquote></p><p> All three major indexes took a tumble over fears that the delta variant of COVID-19 could threaten the global recovery. The Dow Jones Industrial Average suffered its biggest drop of the year, falling 2.1%, while the S&P 500 fell 1.6% and the Nasdaq 1.1%.</p><p><blockquote>由于担心COVID-19的德尔塔变异毒株可能威胁全球复苏，三大股指均暴跌。道琼斯工业平均指数创下年内最大跌幅，下跌2.1%，标普500下跌1.6%，纳斯达克下跌1.1%。</blockquote></p><p> Some analysts are already worried this could be the beginning of a larger correction of 10% to 15% — a crash that personal finance icon Suze Orman has been predicting for months.</p><p><blockquote>一些分析师已经担心这可能是10%至15%的更大调整的开始——个人理财偶像Suze Orman几个月来一直预测这场崩盘。</blockquote></p><p> 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.</p><p><blockquote>以下解释了这种担忧的来源，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></p><p> <b>What does Suze Orman think?</b></p><p><blockquote><b>苏西·奥曼是怎么想的？</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/be8dc3ad363faad96bc575a22235562d\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Mediapunch/Shutterstock</p><p><blockquote>Mediapunch/Shutterstock</blockquote></p><p> Suze Orman has avidly watched the market for decades. She knows ups and downs are to be expected, but what she’s witnessed lately has had her concerned.</p><p><blockquote>几十年来，Suze Orman一直热切关注市场。她知道起起落落是意料之中的，但她最近目睹的事情让她感到担忧。</blockquote></p><p> “I don’t like what I see happening in the market right now,” Orman said in a video for<i>CNBC</i>back in April. “The economy has been horrible, but the stock market has been going.”</p><p><blockquote>奥曼在一段视频中表示：“我不喜欢现在市场上发生的事情。”<i>CNBC</i>回到四月。“经济一直很糟糕，但股市一直在上涨。”</blockquote></p><p> At the time, the Warren Buffett indicator — a measurement of the ratio of the stock market’s total value against U.S. economic output — was already climbing to previously unseen levels.</p><p><blockquote>当时，沃伦·巴菲特指标（衡量股市总价值与美国经济产出之比的指标）已经攀升至前所未有的水平。</blockquote></p><p> While investing is as easy now asusing a smartphone app, Orman was confident the runaway bull market wouldn't last.</p><p><blockquote>虽然现在投资就像使用智能手机应用程序一样容易，但奥曼相信失控的牛市不会持续下去。</blockquote></p><p> She called out new coronavirus variants as well as investment fads like GameStop as problems to watch — but at the end of the day, she felt it had just been too long since the last crash.</p><p><blockquote>她指出，新的冠状病毒变种以及游戏驿站等投资时尚是值得关注的问题，但归根结底，她觉得距离上次崩盘已经太久了。</blockquote></p><p> “This reminds me of 2000 all over again,” Orman said.</p><p><blockquote>“这让我又想起了2000年，”奥曼说。</blockquote></p><p> <b>Jim Cramer says bring it on</b></p><p><blockquote><b>吉姆·克莱默说来吧</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/9fc79f075cfaf2f6c89efb02cc34ec95\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Jim Cramer & TheStreet/YouTube</p><p><blockquote>吉姆·克莱默和TheStreet/YouTube</blockquote></p><p> While many investors are feeling skittish, another<i>CNBC</i>mainstay sees no reason to panic just yet.</p><p><blockquote>尽管许多投资者感到不安，但另一位投资者<i>CNBC</i>中流砥柱认为目前还没有理由恐慌。</blockquote></p><p> \"There’s just so much fear in the market,\"<i>Mad Money</i>host Jim Cramersaid Monday. \"And I just think ... the deaths are not going up that much, so I’m not buying that this is the end of the bull market.\"</p><p><blockquote>“市场上的恐惧太多了，”<i>疯狂的钱</i>主持人吉姆·克莱默周一说。“我只是认为……死亡人数不会上升那么多，所以我不认为这是牛市的结束。”</blockquote></p><p> Many of the stocks hit hardest were companies closely tied to the economic recovery — think airlines, cruise lines and manufacturers like Boeing and Caterpillar.</p><p><blockquote>许多受打击最严重的股票都是与经济复苏密切相关的公司——想想航空公司、邮轮公司以及波音和卡特彼勒等制造商。</blockquote></p><p> Cramer says he's happy to let the market fall further before scooping up some stocks on sale.</p><p><blockquote>克莱默表示，他很乐意让市场进一步下跌，然后再买入一些待售股票。</blockquote></p><p> \"Let it come down ... I think 3% to 5%,\" he says.</p><p><blockquote>“让它下降……我认为是3%到5%，”他说。</blockquote></p><p> <b>How to prepare for a crash</b></p><p><blockquote><b>如何为崩溃做好准备</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/1ad912a6b4611d9e39b46d2851c78c9e\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Freedomz / Shutterstock</p><p><blockquote>Freedomz/Shutterstock</blockquote></p><p> Orman has three recommendations for setting up a simple investment strategy to help you successfully navigate any sharp turns in the market.</p><p><blockquote>Orman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></p><p> <b>1. Buy low</b></p><p><blockquote><b>1.低吸</b></blockquote></p><p> 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.</p><p><blockquote>奥曼对游戏驿站等模因股票的狂热感到如此不安的部分原因是，它完全违背了普通投资者的利益。</blockquote></p><p> “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?”</p><p><blockquote>“你们所有人的头都被拧到了后面，”她说。“你想要的只是这些市场不断上涨。这对你有什么好处？”</blockquote></p><p> She points out the only extra money most people have goes towardinvesting for retirementin their 401(k) or IRA plans.</p><p><blockquote>她指出，大多数人唯一的额外资金用于投资401(k)或IRA计划的退休生活。</blockquote></p><p> 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.</p><p><blockquote>因为你可能几十年内都不打算碰这笔钱，所以最好的长期策略是低吸。这样，你的美元现在将走得更远，为未来20年、30年或40年留下足够的增长空间。</blockquote></p><p> <b>2. Invest on a schedule</b></p><p><blockquote><b>2.按计划投资</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/e4102f8a6d5002090743b1cbded32ef9\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">katjen / Shutterstock</p><p><blockquote>卡珍/Shutterstock</blockquote></p><p> While she prefers to buy low, Orman doesn’t recommend you stop investing completely when the market goes up.</p><p><blockquote>虽然她更喜欢低价买入，但奥曼不建议你在市场上涨时完全停止投资。</blockquote></p><p> She wants casual investors to not get caught up in the daily ups and downs of the market.</p><p><blockquote>她希望普通投资者不要陷入市场每天的涨跌之中。</blockquote></p><p> 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.</p><p><blockquote>事实上，现在为经济低迷欢呼可能是您获得更大份额利润丰厚的投资的最佳选择——就像一些幸运的投资者在2007年和2008年所做的那样。</blockquote></p><p> “When the market went down, down, down, you could buy things at nothing,” says Orman. “And now look at them 15 years later.”</p><p><blockquote>“当市场下跌、下跌、下跌时，你可以免费购买东西，”奥曼说。“现在看看15年后的它们。”</blockquote></p><p> 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.</p><p><blockquote>她建议你建立一个平均成本策略，这意味着无论市场波动如何，你都要定期等量投资。</blockquote></p><p> This kind of approach is easy to implement with any of the many investing apps currently available to DIY investors.</p><p><blockquote>这种方法很容易用目前可供DIY投资者使用的许多投资应用程序中的任何一个来实施。</blockquote></p><p> There are even apps that willautomatically invest your spare changeby rounding up your debit and credit card purchases to the nearest dollar.</p><p><blockquote>甚至有些应用程序会通过将您的借记卡和信用卡购买的金额四舍五入到最接近的美元来自动投资您的零钱。</blockquote></p><p> <b>3. Diversify with fractional shares</b></p><p><blockquote><b>3.通过零碎股份实现多元化</b></blockquote></p><p></p><p> To help weather dips in specific corners of the market, Orman suggests you diversify your investments — balance your portfolio with investments inmany different types of assetsand sectors of the economy.</p><p><blockquote>为了帮助应对市场特定角落的下跌，奥曼建议您分散投资——通过多种不同类型的资产和经济部门的投资来平衡您的投资组合。</blockquote></p><p> 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.</p><p><blockquote>奥曼特别推荐零股投资。这种方法允许你购买一家知名公司的一部分股份，否则你将买不起。</blockquote></p><p> With the help of apopular stock-trading tool, anyone at any budget can afford the fractional share strategy.</p><p><blockquote>在流行的股票交易工具的帮助下，任何预算的人都可以负担得起碎股策略。</blockquote></p><p> “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.”</p><p><blockquote>“你越早开始，你拥有的钱就越多，”奥曼说。“只是不要停下来，当这些市场下跌时，你应该很高兴，因为你的美元找到了更多的份额。”</blockquote></p><p> “And the more shares you have, the more money you’ll have 20, 40, 50 years from now.”</p><p><blockquote>“你拥有的股票越多，20年、40年、50年后你拥有的钱就越多。”</blockquote></p><p> <b>What else you can do</b></p><p><blockquote><b>你还能做什么</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/5e79c6fd1f8fa6e3a7c3a6c94f1e14b5\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">goodluz / Shutterstock</p><p><blockquote>古德卢兹/Shutterstock</blockquote></p><p> 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.</p><p><blockquote>奥曼在CNBC视频中表示，无论大崩盘是否即将来临，距离退休还有几十年的投资者都可以利用这一点。</blockquote></p><p> 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.</p><p><blockquote>第一，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></p><p> Then, to set yourself up fora comfortable retirement, she suggests you opt for a Roth account, whether that’s a 401(k) or IRA.</p><p><blockquote>然后，为了让自己过上舒适的退休生活，她建议您选择Roth账户，无论是401(k)还是IRA。</blockquote></p><p> 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.</p><p><blockquote>这将帮助您在从退休账户中提取资金时避免纳税，因为您对罗斯账户的供款是税后进行的。另一方面，传统IRA在您缴款时无需纳税，因此您最终会稍后付款。</blockquote></p><p> 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.</p><p><blockquote>如果您发现需要更多指导，与专业财务顾问合作可以帮助您指出正确的方向，以便您可以自信地度过任何市场波动。</blockquote></p><p> While everyone else is veering off course or overcorrecting, you’ll be firmly in the driver’s seat with your sunset years planned for.</p><p><blockquote>当其他人都在偏离路线或矫枉过正时，你将牢牢地坐在驾驶座上，计划好你的晚年。</blockquote></p><p></p>","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>The market tumbles — is this the crash Suze Orman warned about?<blockquote>市场暴跌——这是Suze Orman警告的崩溃吗？</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\">\nThe market tumbles — is this the crash Suze Orman warned about?<blockquote>市场暴跌——这是Suze Orman警告的崩溃吗？</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Money Wise</strong><span class=\"h-time small\">2021-07-20 19:22</span>\n</p>\n</h4>\n</header>\n<article>\n<p>The U.S. stock market took a gut-wrenching dive on Monday, but the big worry for investors is what still lies ahead.</p><p><blockquote>美国股市周一暴跌，但投资者最担心的是未来。</blockquote></p><p> All three major indexes took a tumble over fears that the delta variant of COVID-19 could threaten the global recovery. The Dow Jones Industrial Average suffered its biggest drop of the year, falling 2.1%, while the S&P 500 fell 1.6% and the Nasdaq 1.1%.</p><p><blockquote>由于担心COVID-19的德尔塔变异毒株可能威胁全球复苏，三大股指均暴跌。道琼斯工业平均指数创下年内最大跌幅，下跌2.1%，标普500下跌1.6%，纳斯达克下跌1.1%。</blockquote></p><p> Some analysts are already worried this could be the beginning of a larger correction of 10% to 15% — a crash that personal finance icon Suze Orman has been predicting for months.</p><p><blockquote>一些分析师已经担心这可能是10%至15%的更大调整的开始——个人理财偶像Suze Orman几个月来一直预测这场崩盘。</blockquote></p><p> 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.</p><p><blockquote>以下解释了这种担忧的来源，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></p><p> <b>What does Suze Orman think?</b></p><p><blockquote><b>苏西·奥曼是怎么想的？</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/be8dc3ad363faad96bc575a22235562d\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Mediapunch/Shutterstock</p><p><blockquote>Mediapunch/Shutterstock</blockquote></p><p> Suze Orman has avidly watched the market for decades. She knows ups and downs are to be expected, but what she’s witnessed lately has had her concerned.</p><p><blockquote>几十年来，Suze Orman一直热切关注市场。她知道起起落落是意料之中的，但她最近目睹的事情让她感到担忧。</blockquote></p><p> “I don’t like what I see happening in the market right now,” Orman said in a video for<i>CNBC</i>back in April. “The economy has been horrible, but the stock market has been going.”</p><p><blockquote>奥曼在一段视频中表示：“我不喜欢现在市场上发生的事情。”<i>CNBC</i>回到四月。“经济一直很糟糕，但股市一直在上涨。”</blockquote></p><p> At the time, the Warren Buffett indicator — a measurement of the ratio of the stock market’s total value against U.S. economic output — was already climbing to previously unseen levels.</p><p><blockquote>当时，沃伦·巴菲特指标（衡量股市总价值与美国经济产出之比的指标）已经攀升至前所未有的水平。</blockquote></p><p> While investing is as easy now asusing a smartphone app, Orman was confident the runaway bull market wouldn't last.</p><p><blockquote>虽然现在投资就像使用智能手机应用程序一样容易，但奥曼相信失控的牛市不会持续下去。</blockquote></p><p> She called out new coronavirus variants as well as investment fads like GameStop as problems to watch — but at the end of the day, she felt it had just been too long since the last crash.</p><p><blockquote>她指出，新的冠状病毒变种以及游戏驿站等投资时尚是值得关注的问题，但归根结底，她觉得距离上次崩盘已经太久了。</blockquote></p><p> “This reminds me of 2000 all over again,” Orman said.</p><p><blockquote>“这让我又想起了2000年，”奥曼说。</blockquote></p><p> <b>Jim Cramer says bring it on</b></p><p><blockquote><b>吉姆·克莱默说来吧</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/9fc79f075cfaf2f6c89efb02cc34ec95\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Jim Cramer & TheStreet/YouTube</p><p><blockquote>吉姆·克莱默和TheStreet/YouTube</blockquote></p><p> While many investors are feeling skittish, another<i>CNBC</i>mainstay sees no reason to panic just yet.</p><p><blockquote>尽管许多投资者感到不安，但另一位投资者<i>CNBC</i>中流砥柱认为目前还没有理由恐慌。</blockquote></p><p> \"There’s just so much fear in the market,\"<i>Mad Money</i>host Jim Cramersaid Monday. \"And I just think ... the deaths are not going up that much, so I’m not buying that this is the end of the bull market.\"</p><p><blockquote>“市场上的恐惧太多了，”<i>疯狂的钱</i>主持人吉姆·克莱默周一说。“我只是认为……死亡人数不会上升那么多，所以我不认为这是牛市的结束。”</blockquote></p><p> Many of the stocks hit hardest were companies closely tied to the economic recovery — think airlines, cruise lines and manufacturers like Boeing and Caterpillar.</p><p><blockquote>许多受打击最严重的股票都是与经济复苏密切相关的公司——想想航空公司、邮轮公司以及波音和卡特彼勒等制造商。</blockquote></p><p> Cramer says he's happy to let the market fall further before scooping up some stocks on sale.</p><p><blockquote>克莱默表示，他很乐意让市场进一步下跌，然后再买入一些待售股票。</blockquote></p><p> \"Let it come down ... I think 3% to 5%,\" he says.</p><p><blockquote>“让它下降……我认为是3%到5%，”他说。</blockquote></p><p> <b>How to prepare for a crash</b></p><p><blockquote><b>如何为崩溃做好准备</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/1ad912a6b4611d9e39b46d2851c78c9e\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">Freedomz / Shutterstock</p><p><blockquote>Freedomz/Shutterstock</blockquote></p><p> Orman has three recommendations for setting up a simple investment strategy to help you successfully navigate any sharp turns in the market.</p><p><blockquote>Orman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></p><p> <b>1. Buy low</b></p><p><blockquote><b>1.低吸</b></blockquote></p><p> 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.</p><p><blockquote>奥曼对游戏驿站等模因股票的狂热感到如此不安的部分原因是，它完全违背了普通投资者的利益。</blockquote></p><p> “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?”</p><p><blockquote>“你们所有人的头都被拧到了后面，”她说。“你想要的只是这些市场不断上涨。这对你有什么好处？”</blockquote></p><p> She points out the only extra money most people have goes towardinvesting for retirementin their 401(k) or IRA plans.</p><p><blockquote>她指出，大多数人唯一的额外资金用于投资401(k)或IRA计划的退休生活。</blockquote></p><p> 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.</p><p><blockquote>因为你可能几十年内都不打算碰这笔钱，所以最好的长期策略是低吸。这样，你的美元现在将走得更远，为未来20年、30年或40年留下足够的增长空间。</blockquote></p><p> <b>2. Invest on a schedule</b></p><p><blockquote><b>2.按计划投资</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/e4102f8a6d5002090743b1cbded32ef9\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">katjen / Shutterstock</p><p><blockquote>卡珍/Shutterstock</blockquote></p><p> While she prefers to buy low, Orman doesn’t recommend you stop investing completely when the market goes up.</p><p><blockquote>虽然她更喜欢低价买入，但奥曼不建议你在市场上涨时完全停止投资。</blockquote></p><p> She wants casual investors to not get caught up in the daily ups and downs of the market.</p><p><blockquote>她希望普通投资者不要陷入市场每天的涨跌之中。</blockquote></p><p> 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.</p><p><blockquote>事实上，现在为经济低迷欢呼可能是您获得更大份额利润丰厚的投资的最佳选择——就像一些幸运的投资者在2007年和2008年所做的那样。</blockquote></p><p> “When the market went down, down, down, you could buy things at nothing,” says Orman. “And now look at them 15 years later.”</p><p><blockquote>“当市场下跌、下跌、下跌时，你可以免费购买东西，”奥曼说。“现在看看15年后的它们。”</blockquote></p><p> 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.</p><p><blockquote>她建议你建立一个平均成本策略，这意味着无论市场波动如何，你都要定期等量投资。</blockquote></p><p> This kind of approach is easy to implement with any of the many investing apps currently available to DIY investors.</p><p><blockquote>这种方法很容易用目前可供DIY投资者使用的许多投资应用程序中的任何一个来实施。</blockquote></p><p> There are even apps that willautomatically invest your spare changeby rounding up your debit and credit card purchases to the nearest dollar.</p><p><blockquote>甚至有些应用程序会通过将您的借记卡和信用卡购买的金额四舍五入到最接近的美元来自动投资您的零钱。</blockquote></p><p> <b>3. Diversify with fractional shares</b></p><p><blockquote><b>3.通过零碎股份实现多元化</b></blockquote></p><p></p><p> To help weather dips in specific corners of the market, Orman suggests you diversify your investments — balance your portfolio with investments inmany different types of assetsand sectors of the economy.</p><p><blockquote>为了帮助应对市场特定角落的下跌，奥曼建议您分散投资——通过多种不同类型的资产和经济部门的投资来平衡您的投资组合。</blockquote></p><p> 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.</p><p><blockquote>奥曼特别推荐零股投资。这种方法允许你购买一家知名公司的一部分股份，否则你将买不起。</blockquote></p><p> With the help of apopular stock-trading tool, anyone at any budget can afford the fractional share strategy.</p><p><blockquote>在流行的股票交易工具的帮助下，任何预算的人都可以负担得起碎股策略。</blockquote></p><p> “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.”</p><p><blockquote>“你越早开始，你拥有的钱就越多，”奥曼说。“只是不要停下来，当这些市场下跌时，你应该很高兴，因为你的美元找到了更多的份额。”</blockquote></p><p> “And the more shares you have, the more money you’ll have 20, 40, 50 years from now.”</p><p><blockquote>“你拥有的股票越多，20年、40年、50年后你拥有的钱就越多。”</blockquote></p><p> <b>What else you can do</b></p><p><blockquote><b>你还能做什么</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/5e79c6fd1f8fa6e3a7c3a6c94f1e14b5\" tg-width=\"703\" tg-height=\"293\" referrerpolicy=\"no-referrer\">goodluz / Shutterstock</p><p><blockquote>古德卢兹/Shutterstock</blockquote></p><p> 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.</p><p><blockquote>奥曼在CNBC视频中表示，无论大崩盘是否即将来临，距离退休还有几十年的投资者都可以利用这一点。</blockquote></p><p> 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.</p><p><blockquote>第一，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></p><p> Then, to set yourself up fora comfortable retirement, she suggests you opt for a Roth account, whether that’s a 401(k) or IRA.</p><p><blockquote>然后，为了让自己过上舒适的退休生活，她建议您选择Roth账户，无论是401(k)还是IRA。</blockquote></p><p> 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.</p><p><blockquote>这将帮助您在从退休账户中提取资金时避免纳税，因为您对罗斯账户的供款是税后进行的。另一方面，传统IRA在您缴款时无需纳税，因此您最终会稍后付款。</blockquote></p><p> 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.</p><p><blockquote>如果您发现需要更多指导，与专业财务顾问合作可以帮助您指出正确的方向，以便您可以自信地度过任何市场波动。</blockquote></p><p> While everyone else is veering off course or overcorrecting, you’ll be firmly in the driver’s seat with your sunset years planned for.</p><p><blockquote>当其他人都在偏离路线或矫枉过正时，你将牢牢地坐在驾驶座上，计划好你的晚年。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://finance.yahoo.com/news/market-tumbles-crash-suze-orman-230000363.html\">Money Wise</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".DJI":"道琼斯",".IXIC":"NASDAQ Composite","SPY":"标普500ETF",".SPX":"S&P 500 Index"},"source_url":"https://finance.yahoo.com/news/market-tumbles-crash-suze-orman-230000363.html","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1113159114","content_text":"The U.S. stock market took a gut-wrenching dive on Monday, but the big worry for investors is what still lies ahead.\nAll three major indexes took a tumble over fears that the delta variant of COVID-19 could threaten the global recovery. The Dow Jones Industrial Average suffered its biggest drop of the year, falling 2.1%, while the S&P 500 fell 1.6% and the Nasdaq 1.1%.\nSome analysts are already worried this could be the beginning of a larger correction of 10% to 15% — a crash that personal finance icon Suze Orman has been predicting for months.\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 witnessed lately has had her concerned.\n“I don’t like what I see happening in the market right now,” Orman said in a video forCNBCback in April. “The economy has been horrible, but the stock market has been going.”\nAt the time, the Warren Buffett indicator — a measurement of the ratio of the stock market’s total value against U.S. economic output — was already climbing to previously unseen levels.\nWhile investing is as easy now asusing a smartphone app, Orman was confident the runaway bull market wouldn't last.\nShe called out new coronavirus variants as well as investment fads like GameStop as problems to watch — but at the end of the day, she felt it had just been too long since the last crash.\n“This reminds me of 2000 all over again,” Orman said.\nJim Cramer says bring it on\nJim Cramer & TheStreet/YouTube\nWhile many investors are feeling skittish, anotherCNBCmainstay sees no reason to panic just yet.\n\"There’s just so much fear in the market,\"Mad Moneyhost Jim Cramersaid Monday. \"And I just think ... the deaths are not going up that much, so I’m not buying that this is the end of the bull market.\"\nMany of the stocks hit hardest were companies closely tied to the economic recovery — think airlines, cruise lines and manufacturers like Boeing and Caterpillar.\nCramer says he's happy to let the market fall further before scooping up some stocks on sale.\n\"Let it come down ... I think 3% to 5%,\" he says.\nHow to prepare for a crash\nFreedomz / 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 inmany different types of assetsand 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. 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