2014已至 值得考虑的新年理财计划

Think you don't have enough money to save for retirement? Track your spending habits over one month and try to find 2% of your expenses that you can use for 401(k) contributions, says Mr. Smith.
觉得自己没有足够的钱为退休存钱？史密斯建议，跟踪你过去一个月中的消费习惯，努力找出其中可存入401(k)账户的2%的花销。

Get an insurance checkup: One way to save money on premiums is to package most of your insurance coverage (home, auto, valuables) under one carrier, says Robert Courtemanche, chairman of ACE Private Risk Services. If your home has risen in value, have it appraised so you'll know the full replacement value.
检验保险计划： ACE Private Risk Services的董事长罗伯特・库特芒希(Robert Courtemanche)称，一个节省保费的方法是将大部分保险项目（房产、汽车、贵重物品）一并转到同一家保险公司。如果你的房产已经升值，可请人进行评估以了解完整的重置价值。

Review your portfolio: With the sharp run-up in the stock market this year, equities likely make up a much larger portion of your portfolio than they did before the rally. Adjusting your stock allocation is critical, if only to reduce your exposure to a future downturn.
审视你的投资组合：由于股市在2013年大幅上涨，股票在你的投资组合中所占的比例可能比股市上涨前高出很多。调整你的股票配置非常关键，哪怕只是为了减少你对未来衰退的风险敞口。

'You just want to make sure that your asset allocation is appropriate for your age and your personal goals,' says Ms. Pratt. Generally speaking, the older are, the less of your portfolio you want in stocks.
普拉特说：“你要确保你的资产配置是适合你的年龄和个人目标的。”一般说来，年纪越大，你的资产组合股票的比例就应该越少。

'Make sure you're taking into account your age, your risk aversion, your personal goals [and] alternatives if you don't make those goals. Will you have to wait longer to retire?' She warns against actively managed funds, which charge relatively high fees, in favor of low-cost index funds. And if you're not an experienced investor, she says, stay away from day trading.
她说：“要确保考虑到了你的年龄、你的风险偏好、个人目标以及那些目标没有达成时的替代计划。你要想想自己是否得再等一段时间才能退休？”普拉特青睐成本低的指数基金，并提醒大家要小心费用相对较高的积极管理型基金。她还说，如果你不是一个经验丰富的投资者，就要避开日间交易。

Create an emergency fund: According to a 2012 Bankrate.com survey, 28% of Americans have no emergency savings for events like a car breaking down, an unexpected house repair or a job loss. Finicity's Mr. Smith advises a fund equal to three months of living expenses.
设立应急基金：投资理财网站银率网(Bankrate.com)2012年的调查显示，28%的美国人没有应对汽车出故障、房子突然需要修缮或失业的应急储蓄。Finicity的史密斯建议要备好一笔相当于三个月生活开支的基金。