Daily Productive Sharing 913 - Overrated Things in Personal Finance

Dr Selfie -

One helpful tip per day:)

Nick Maggiulli summarized four types of overvalued wealth concepts:

  1. Early retirement — It may cause you to lose the meaning of life and miss opportunities for growth;
  2. Investing in real estate — High entry barriers, dealing with tenant issues, etc.;
  3. Rebalancing investment accounts — It’s sufficient to rebalance every six months to three years, as buying low-growth assets can save more taxes than selling high-growth assets;
  4. Views that are not overvalued — Familiarize yourself with history, diversify investments, increase personal income.

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Nick Maggiulli 归纳了四类高估的财富观点：

  1. 提前退休 -- 可能会让你失去人生的意义，让你失去成长的机会；
  2. 投资房产 -- 极高的准入门槛，需要解决租户的问题等等；
  3. 再平衡投资账户 -- 每半年到三年再平衡一次即可，买入低增长的资产比卖出高增长资产更能省税；
  4. 没有被高估的观点 -- 熟悉历史，投资多样化，提高自身收入。

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