当你的收入达到7位数时该怎么办
你最近是否在你的银行余额上加了第二个逗号? Has a recent financial event raised your net worth to the next level? It's an exciting time, whether it's the result of your long-term goals (e.g., from the sale of a business), a windfall transfer of wealth, or a key promotion. You're probably already considering how to protect and manage your wealth.
Keep in mind that this article is for informational purposes only and is not a replacement for real-life advice. 税务咨询, 法律, and accounting professionals before modifying your financial strategies as your income changes. This article was written to provide insights into a few related factors you may wish to consider.
新形势下的房地产战略
你可能已经有了一个房地产策略. However, reaching a new level of wealth may be an excellent time to revisit your approach. More wealth can mean a larger estate and more complex estate issues. 例如，也许是时候考虑生前信托了. You create a living trust while alive and fund it with the assets you choose to transfer therein. The trustee (typically you) has full power to manage these assets. But using a trust involves a complex set of tax rules and regulations. 所以在进行信托之前, consider working with a professional familiar with the relevant rules and regulations.
调整自己的步伐
Many newly wealthy individuals feel like they are in a rush once they have their money. Now that the world is your oyster, you may be better off waiting for the pearl. This means getting accustomed to your new bank balance before putting the money to any practical effect. A few conversations with a financial professional regarding your ambitions may help put things into perspective.
你今天需要什么?
Your new wealth will create as many questions as it will opportunities. 例如, if you've sold your business or are considering leaving your job, you will need to consider health insurance choices for yourself and your household. Other household demands may also warrant consideration, from travel costs to big one-time purchases. You will almost certainly face some unplanned expenses along the way, so be sure that your short-term budget makes an allowance for that.
风险承受能力和时间范围
Your risk tolerance will be affected in part by your ongoing day-to-day needs. 例如, 如果你在考虑买新房, money may need to be earmarked for all expenses related to that purchase. The risk takes into account not only the home itself but also your overall strategy. The time horizon determines the lengths of time considered for your various expenditures. 几个月内可能会发生一些意想不到的开支, 而其他人可以推迟一年.
Congratulations on that second comma becoming a part of your everyday life. It will mean many exciting things for you and your household, some of which you've prepared for and others you might not have anticipated. A trusted financial professional in your corner may provide answers to your questions along the way.
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