{"id":169,"date":"2026-01-20T14:00:52","date_gmt":"2026-01-20T14:00:52","guid":{"rendered":"https:\/\/braveboy.asia\/blog\/?p=169"},"modified":"2026-01-20T14:00:54","modified_gmt":"2026-01-20T14:00:54","slug":"before-you-invest-in-stocks-here-are-2-critical-steps-you-must-take","status":"publish","type":"post","link":"https:\/\/braveboy.asia\/blog\/index.php\/2026\/01\/20\/before-you-invest-in-stocks-here-are-2-critical-steps-you-must-take\/","title":{"rendered":"Before You Invest in Stocks, Here Are 2 Critical Steps You Must Take"},"content":{"rendered":"\n<figure class=\"wp-block-image\" id=\"article-primary-image_1-0\"><img decoding=\"async\" src=\"https:\/\/www.investopedia.com\/thmb\/MTm3vuO219dO9uFdO7QCBo8DLFE=\/1500x0\/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)\/GettyImages-1364393604-de56b81d3c3a45bba12cda7380dbb34b.jpg\" alt=\"A person viewing a stock trading app on a smartphone at a desk\"\/><figcaption class=\"wp-element-caption\">FreshSplash\/Getty Images<\/figcaption><\/figure>\n\n\n\n<p>The 10 Greatest EntrepreneursClose<\/p>\n\n\n\n<p id=\"mntl-sc-block_1-0\">Buying your first share of stock can feel like a frightening leap. Savvy investors know, though, that what comes before that first buy order matters far more than which stock ticker symbols you choose.<\/p>\n\n\n\n<p id=\"mntl-sc-block_3-0\">Experts we spoke with said that getting a plan on paper is the first step to long-term success, which involves some&nbsp;<a href=\"https:\/\/www.investopedia.com\/8-steps-to-organize-finances-11752049\">financial housekeeping<\/a>: Building a&nbsp;<a href=\"https:\/\/www.investopedia.com\/how-to-start-an-emergency-fund-11729333\">solid emergency fund<\/a>and identifying the \u201cwhy\u201d behind your investing, before choosing an approach you&#8217;ll actually stick with.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Before investing in the market, you should have an emergency fund that covers three to six months of essential living expenses.<\/li>\n\n\n\n<li>Write down a simple plan that includes the types of investments you want, the amount you&#8217;ll invest each month, and when you&#8217;ll review your portfolio. This helps you avoid making emotional decisions.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_6-0\">1. Build a Safety Net Before You Build Wealth<\/h2>\n\n\n\n<p id=\"mntl-sc-block_7-0\">Stocks have been an excellent way to build long\u2011term wealth (<a href=\"https:\/\/www.investopedia.com\/ask\/answers\/042415\/what-average-annual-return-sp-500.asp\">averaging about 10%<\/a>&nbsp;in returns annually over the past several decades), but they\u2019re also volatile, with swings in either direction. A 20% drop in a bad year can happen. Without a cash reserve, a surprise medical bill or job loss can force you to sell your stocks at the worst time (when their price is down), instead of waiting for the price is rise again.<\/p>\n\n\n\n<p id=\"mntl-sc-block_9-0\">For this reason, experts put&nbsp;<a href=\"https:\/\/www.investopedia.com\/financial-edge\/0812\/why-an-emergency-fund-is-important.aspx\">emergency savings<\/a>&nbsp;at the top of their investing checklists. \u201cNever invest money you might need in the short term,&#8221;&nbsp;<a href=\"https:\/\/www.investopedia.com\/prince-dykes-8633909\">Prince Dykes<\/a>, founder of Royal Financial Investment Group, told Investopedia. &#8220;Before diving into stocks, ensure you have an emergency fund that covers three to six months\u2019 worth of living expenses\u2014mortgage, groceries, health insurance, utilities\u2014kept in an account separate from your primary checking, so you won\u2019t have to sell investments to cover expenses in a pinch.\u201d<\/p>\n\n\n\n<p id=\"mntl-sc-block_11-0\">Set the amount you need to feel secure and&nbsp;<a href=\"https:\/\/www.investopedia.com\/how-to-automate-your-investing-7378239\">automate contributions<\/a>&nbsp;on paydays, allowing your funds to grow on their own. It\u2019s only after this buffer is in place that you should start putting additional money at risk in the market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_13-0\">2. Define Your Goals<\/h2>\n\n\n\n<p id=\"mntl-sc-block_14-0\">Investing without a goal is like driving without a destination\u2014you may end up nowhere particularly helpful. So start by naming your \u201cwhy\u201d\u2014such as \u201cretire at 65,\u201d \u201csave for a down payment in seven years,\u201d or simply \u201cbeat inflation over time.&#8221;<\/p>\n\n\n\n<p>Take the Next Step to InvestAdvertiser Disclosure<\/p>\n\n\n\n<figure class=\"wp-block-embed\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/746eaebfc103543b174304b895c4191d.safeframe.googlesyndication.com\/safeframe\/1-0-45\/html\/container.html\n<\/div><\/figure>\n\n\n\n<figure class=\"wp-block-embed\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/746eaebfc103543b174304b895c4191d.safeframe.googlesyndication.com\/safeframe\/1-0-45\/html\/container.html\n<\/div><\/figure>\n\n\n\n<p id=\"mntl-sc-block_16-0\">Then, match each goal with a corresponding time horizon and the amount of risk you&#8217;re willing to take (stocks carry more risk than bonds, etc.). \u201cAre you comfortable with high risk, or do you prefer a more conservative approach? These factors will help determine the type of investments you make, so it\u2019s important to clarify them before jumping into the markets,\u201d Dykes said.<\/p>\n\n\n\n<p id=\"mntl-sc-block_18-0\">For goals that are more than 10 years off, a&nbsp;<a href=\"https:\/\/www.investopedia.com\/maximize-your-401k-8769574\">portfolio weighted toward stocks<\/a>&nbsp;makes sense. For near-term goals, consider shifting from stocks to bonds or cash-like funds, such as CDs and high-yield savings accounts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"midcirc__heading_1-0\">Related Stories<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.investopedia.com\/articles\/stocks\/06\/biotechvaluation.asp\"><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.investopedia.com\/articles\/stocks\/06\/biotechvaluation.asp\">How to Value Biotech Stocks Effectively with DCF Analysis<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image\"><a class=\"midcirc-card mntl-text-link \" href=\"https:\/\/www.investopedia.com\/articles\/stocks\/06\/biotechvaluation.asp\"><img decoding=\"async\" src=\"https:\/\/www.investopedia.com\/thmb\/sf9VHe2PfZjakgCD2VlmJQcsnEU=\/300x200\/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)\/stocks-lrg-3-5bfc2b1d46e0fb005144ca11.jpg\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.investopedia.com\/articles\/analyst\/043002.asp\">Using the PEG Ratio to Spot Undervalued Stocks<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_22-0\">Choose Your Path<\/h2>\n\n\n\n<p id=\"mntl-sc-block_23-0\">Once you&#8217;ve built an emergency fund and defined your goals, you can choose how you want to start investing. While you can always change your strategy down the road, most beginners follow one of these common approaches:<\/p>\n\n\n\n<ul id=\"mntl-sc-block_25-0\" class=\"wp-block-list\">\n<li><strong>DIY indexing<\/strong>: Low\u2011cost, broad market\u00a0<a href=\"https:\/\/www.investopedia.com\/investing-in-index-funds-4771002\">index funds<\/a>\u00a0instantly diversify and outperform most active stock pickers over time.\u00a0<a href=\"https:\/\/lizfrazier.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Liz Frazier Peck<\/a>, financial advisor and author of\u00a0<em>Beyond Piggy Banks and Lemonade Stands: How to Teach Young Kids About Finance,\u00a0<\/em>notes that you should only invest in stocks and funds that you understand. &#8220;Avoid investing in companies where you don&#8217;t understand the fundamentals of their business,&#8221; she said.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.investopedia.com\/terms\/r\/roboadvisor-roboadviser.asp\">Robo-advisor autopilot<\/a><\/strong>: Apps and their algorithms manage allocation and rebalancing for a modest fee\u2014great for hands\u2011off beginners.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.investopedia.com\/robo-advisor-vs-financial-advisor-4775377\">Human-advisor partnership<\/a><\/strong>: If your finances are complex, a professional financial advisor can help you take care of your taxes, insurance, and retirement at once.<\/li>\n<\/ul>\n\n\n\n<p id=\"mntl-sc-block_27-0\">Whichever route you choose, put the plan on paper. Include your&nbsp;<a href=\"https:\/\/www.investopedia.com\/managing-wealth\/achieve-optimal-asset-allocation\/\">target asset mix<\/a>, your monthly contribution amount, and a schedule\u2014quarterly or annually\u2014for&nbsp;<a href=\"https:\/\/www.investopedia.com\/how-to-rebalance-your-portfolio-7973806\">rebalancing and reviewing your portfolio<\/a>. Mark dates in your calendar to revisit the plan as your life changes or financial goals evolve.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_29-0\">The Bottom Line<\/h2>\n\n\n\n<p id=\"mntl-sc-block_30-0\">Before you consider looking at a stock chart, secure a cash cushion, set out some clear goals, and put those intentions into a simple, written&nbsp;<a href=\"https:\/\/www.investopedia.com\/terms\/f\/financial_plan.asp\">investment plan<\/a>. These unglamorous first steps form the quiet scaffolding that lets every future share purchase compound toward the life you actually want.<\/p>\n\n\n\n<p>Sponsored<\/p>\n\n\n\n<p>Trade around the clock<\/p>\n\n\n\n<p><a href=\"https:\/\/adclick.g.doubleclick.net\/pcs\/click?xai=AKAOjsv1YvXZULwcwOjCWCCIQxqSeIudXUrnkXUpn76I7__BcNjTRK0pc_rrtr-Ckup1OWSTdgKPTYyrF7R3Ma648mruDvZAdIlkqOIWRiEW7jmXhMyGxJH8jkpuJ9bvrBtSs77cb_8KhAs58IMNQo9QjQSwJPNLDtCrZg7xwWWsHTAEtxUXfrysDn9zC8uxQGF2oeE3udX_9LSkvlP2C9qw7BlbgoqdirP01L4Wq8SZF7JAascAPvoyeJ6FmdjiSWIOida9FrjP8MUlk2ZxRxTDe4ugy0ZoHUs2ZdJU7usgtt-p_YY7HYMFwVvjXBMEIO0oyLpOCfE1huVw7Q2R6JoZ0vxksse6kYHKq5k2c8FnxlVX1cAUtUI_YKO3Dq6fIUOP-CUp8UxlCbcOku5G_15k945lmjdRxZbCKyFMBSm3yVYQb0rHqojrDPvHwIjk3j2xG9bpjo0&amp;sai=AMfl-YTkDQf9GOAauU0-uAW1U2ZKMsvhB8CtlsiAa38CIbOsDBMqv_vJJXaNFDMSFqL1QKgXeTlegtbQ8G-t99uc1QJbMpoLo-JF6WdD1XNHQOCeqzlysEXI2gXcegHeZRwfbuzytSCHG1q8HzA5l0IE8GwEHo8IlwVt6EW58KAB5AYChDrr_mUZaPxwrS1HVzdGcyE4TxQ6sK623zJFo0Gz_aKV67Fsb7_Nqb2cFMeK11FBpwCIAFGKlF_0i1EjU_VVXy0fxFw2bmkasvxT_Rpg8X-mgT4nvQ&amp;sig=Cg0ArKJSzMU6CsQI1yYXEAE&amp;fbs_aeid=%5Bgw_fbsaeid%5D&amp;urlfix=1&amp;adurl=https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N800570.110872INVESTOPEDIAUS\/B33710274.422046994;dc_trk_aid=615006426;dc_trk_cid=235932811;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;gdpr=;gdpr_consent=;ltd=;dc_tdv=1\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>Did you know that 82% of Nvidia\u2019s gains between March 2024 and February 2025 happened outside of regular Nasdaq hours?*&nbsp;<a href=\"https:\/\/adclick.g.doubleclick.net\/pcs\/click?xai=AKAOjsv1YvXZULwcwOjCWCCIQxqSeIudXUrnkXUpn76I7__BcNjTRK0pc_rrtr-Ckup1OWSTdgKPTYyrF7R3Ma648mruDvZAdIlkqOIWRiEW7jmXhMyGxJH8jkpuJ9bvrBtSs77cb_8KhAs58IMNQo9QjQSwJPNLDtCrZg7xwWWsHTAEtxUXfrysDn9zC8uxQGF2oeE3udX_9LSkvlP2C9qw7BlbgoqdirP01L4Wq8SZF7JAascAPvoyeJ6FmdjiSWIOida9FrjP8MUlk2ZxRxTDe4ugy0ZoHUs2ZdJU7usgtt-p_YY7HYMFwVvjXBMEIO0oyLpOCfE1huVw7Q2R6JoZ0vxksse6kYHKq5k2c8FnxlVX1cAUtUI_YKO3Dq6fIUOP-CUp8UxlCbcOku5G_15k945lmjdRxZbCKyFMBSm3yVYQb0rHqojrDPvHwIjk3j2xG9bpjo0&amp;sai=AMfl-YTkDQf9GOAauU0-uAW1U2ZKMsvhB8CtlsiAa38CIbOsDBMqv_vJJXaNFDMSFqL1QKgXeTlegtbQ8G-t99uc1QJbMpoLo-JF6WdD1XNHQOCeqzlysEXI2gXcegHeZRwfbuzytSCHG1q8HzA5l0IE8GwEHo8IlwVt6EW58KAB5AYChDrr_mUZaPxwrS1HVzdGcyE4TxQ6sK623zJFo0Gz_aKV67Fsb7_Nqb2cFMeK11FBpwCIAFGKlF_0i1EjU_VVXy0fxFw2bmkasvxT_Rpg8X-mgT4nvQ&amp;sig=Cg0ArKJSzMU6CsQI1yYXEAE&amp;fbs_aeid=%5Bgw_fbsaeid%5D&amp;urlfix=1&amp;adurl=https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N800570.110872INVESTOPEDIAUS\/B33710274.422046994;dc_trk_aid=615006426;dc_trk_cid=235932811;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;gdpr=;gdpr_consent=;ltd=;dc_tdv=1\" target=\"_blank\" rel=\"noreferrer noopener\">Pepperstone offers CFDs<\/a>&nbsp;on 100+ US shares 24 hours a day, meaning you never need to miss out when the markets move.&nbsp;<a href=\"https:\/\/adclick.g.doubleclick.net\/pcs\/click?xai=AKAOjsv1YvXZULwcwOjCWCCIQxqSeIudXUrnkXUpn76I7__BcNjTRK0pc_rrtr-Ckup1OWSTdgKPTYyrF7R3Ma648mruDvZAdIlkqOIWRiEW7jmXhMyGxJH8jkpuJ9bvrBtSs77cb_8KhAs58IMNQo9QjQSwJPNLDtCrZg7xwWWsHTAEtxUXfrysDn9zC8uxQGF2oeE3udX_9LSkvlP2C9qw7BlbgoqdirP01L4Wq8SZF7JAascAPvoyeJ6FmdjiSWIOida9FrjP8MUlk2ZxRxTDe4ugy0ZoHUs2ZdJU7usgtt-p_YY7HYMFwVvjXBMEIO0oyLpOCfE1huVw7Q2R6JoZ0vxksse6kYHKq5k2c8FnxlVX1cAUtUI_YKO3Dq6fIUOP-CUp8UxlCbcOku5G_15k945lmjdRxZbCKyFMBSm3yVYQb0rHqojrDPvHwIjk3j2xG9bpjo0&amp;sai=AMfl-YTkDQf9GOAauU0-uAW1U2ZKMsvhB8CtlsiAa38CIbOsDBMqv_vJJXaNFDMSFqL1QKgXeTlegtbQ8G-t99uc1QJbMpoLo-JF6WdD1XNHQOCeqzlysEXI2gXcegHeZRwfbuzytSCHG1q8HzA5l0IE8GwEHo8IlwVt6EW58KAB5AYChDrr_mUZaPxwrS1HVzdGcyE4TxQ6sK623zJFo0Gz_aKV67Fsb7_Nqb2cFMeK11FBpwCIAFGKlF_0i1EjU_VVXy0fxFw2bmkasvxT_Rpg8X-mgT4nvQ&amp;sig=Cg0ArKJSzMU6CsQI1yYXEAE&amp;fbs_aeid=%5Bgw_fbsaeid%5D&amp;urlfix=1&amp;adurl=https:\/\/ad.doubleclick.net\/ddm\/trackclk\/N800570.110872INVESTOPEDIAUS\/B33710274.422046994;dc_trk_aid=615006426;dc_trk_cid=235932811;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;gdpr=;gdpr_consent=;ltd=;dc_tdv=1\" target=\"_blank\" rel=\"noreferrer noopener\">Join now<\/a>&nbsp;for super-fast execution backed by dedicated support. 74-89% of retail CFD accounts lose money *Data from the Pepperstone platform.<\/p>\n\n\n\n<p id=\"mntl-sc-block_1-0\">\u8d2d\u4e70\u7b2c\u4e00\u80a1\u80a1\u7968\u53ef\u80fd\u4f1a\u8ba9\u4eba\u611f\u5230\u5fd0\u5fd1\u4e0d\u5b89\u3002\u4f46\u7cbe\u660e\u7684\u6295\u8d44\u8005\u90fd\u77e5\u9053\uff0c\u5728\u4f60\u53d1\u51fa\u7b2c\u4e00\u7b14\u4e70\u5165\u6307\u4ee4\u4e4b\u524d\u6240\u505a\u7684\u4e8b\u60c5\uff0c\u8fdc\u6bd4\u4f60\u9009\u62e9\u54ea\u4e9b\u80a1\u7968\u4ee3\u7801\u91cd\u8981\u5f97\u591a\u3002<\/p>\n\n\n\n<p id=\"mntl-sc-block_3-0\">\u6211\u4eec\u91c7\u8bbf\u7684\u4e13\u5bb6\u8868\u793a\uff0c\u5236\u5b9a\u4e66\u9762\u8ba1\u5212\u662f\u5b9e\u73b0\u957f\u671f\u6210\u529f\u7684\u7b2c\u4e00\u6b65\uff0c\u8fd9\u6d89\u53ca\u5230\u4e00\u4e9b<a href=\"https:\/\/www-investopedia-com.translate.goog\/8-steps-to-organize-finances-11752049?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\">\u8d22\u52a1\u65b9\u9762\u7684\u51c6\u5907\u5de5\u4f5c<\/a>\uff1a\u5efa\u7acb<a href=\"https:\/\/www-investopedia-com.translate.goog\/how-to-start-an-emergency-fund-11729333?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\">\u7a33\u56fa\u7684\u5e94\u6025\u57fa\u91d1<\/a>\uff0c\u5e76\u660e\u786e\u6295\u8d44\u80cc\u540e\u7684\u201c\u539f\u56e0\u201d\uff0c\u7136\u540e\u518d\u9009\u62e9\u4e00\u79cd\u4f60\u771f\u6b63\u80fd\u591f\u575a\u6301\u4e0b\u53bb\u7684\u65b9\u6cd5\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u8981\u70b9\u603b\u7ed3<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5728\u6295\u8d44\u80a1\u5e02\u4e4b\u524d\uff0c\u4f60\u5e94\u8be5\u51c6\u5907\u4e00\u7b14\u5e94\u6025\u8d44\u91d1\uff0c\u8db3\u4ee5\u652f\u4ed8\u4e09\u5230\u516d\u4e2a\u6708\u7684\u57fa\u672c\u751f\u6d3b\u5f00\u652f\u3002<\/li>\n\n\n\n<li>\u5236\u5b9a\u4e00\u4e2a\u7b80\u5355\u7684\u6295\u8d44\u8ba1\u5212\uff0c\u5305\u62ec\u4f60\u60f3\u6295\u8d44\u7684\u7c7b\u578b\u3001\u6bcf\u6708\u6295\u8d44\u91d1\u989d\u4ee5\u53ca\u4f55\u65f6\u67e5\u770b\u6295\u8d44\u7ec4\u5408\u3002\u8fd9\u6709\u52a9\u4e8e\u4f60\u907f\u514d\u60c5\u7eea\u5316\u51b3\u7b56\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_6-0\">1. \u5728\u79ef\u7d2f\u8d22\u5bcc\u4e4b\u524d\uff0c\u5148\u5efa\u7acb\u5b89\u5168\u7f51\u3002<\/h2>\n\n\n\n<p id=\"mntl-sc-block_7-0\">\u80a1\u7968\u4e00\u76f4\u662f\u79ef\u7d2f\u957f\u671f\u8d22\u5bcc\u7684\u7edd\u4f73\u9014\u5f84\uff08\u8fc7\u53bb\u51e0\u5341\u5e74\u5e73\u5747\u5e74\u56de\u62a5<a href=\"https:\/\/www-investopedia-com.translate.goog\/ask\/answers\/042415\/what-average-annual-return-sp-500.asp?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\">\u7387\u7ea6\u4e3a10%<\/a>\uff09\uff0c\u4f46\u5176\u6ce2\u52a8\u6027\u4e5f\u5f88\u5927\uff0c\u4ef7\u683c\u53ef\u80fd\u5927\u5e45\u4e0a\u6da8\u6216\u4e0b\u8dcc\u3002\u5728\u5e02\u573a\u4f4e\u8ff7\u7684\u5e74\u4efd\uff0c\u80a1\u4ef7\u4e0b\u8dcc20%\u7684\u60c5\u51b5\u4e5f\u53ef\u80fd\u53d1\u751f\u3002\u5982\u679c\u6ca1\u6709\u73b0\u91d1\u50a8\u5907\uff0c\u7a81\u5982\u5176\u6765\u7684\u533b\u7597\u8d26\u5355\u6216\u5931\u4e1a\u53ef\u80fd\u4f1a\u8feb\u4f7f\u4f60\u5728\u6700\u7cdf\u7cd5\u7684\u65f6\u673a\uff08\u80a1\u4ef7\u4e0b\u8dcc\u65f6\uff09\u629b\u552e\u80a1\u7968\uff0c\u800c\u4e0d\u662f\u7b49\u5f85\u80a1\u4ef7\u56de\u5347\u3002<\/p>\n\n\n\n<p id=\"mntl-sc-block_9-0\">\u56e0\u6b64\uff0c\u4e13\u5bb6\u4eec\u5c06<a href=\"https:\/\/www-investopedia-com.translate.goog\/financial-edge\/0812\/why-an-emergency-fund-is-important.aspx?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\">\u5e94\u6025\u50a8\u84c4<\/a>\u5217\u4e3a\u6295\u8d44\u6e05\u5355\u7684\u9996\u4f4d\u3002\u201c\u6c38\u8fdc\u4e0d\u8981\u6295\u8d44\u90a3\u4e9b\u4f60\u77ed\u671f\u5185\u53ef\u80fd\u9700\u8981\u7528\u5230\u7684\u94b1\uff0c\u201d\u7687\u5bb6\u91d1\u878d\u6295\u8d44\u96c6\u56e2\u521b\u59cb\u4eba<a href=\"https:\/\/www-investopedia-com.translate.goog\/prince-dykes-8633909?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\">\u6234\u514b\u65af\u738b\u5b50<\/a>\u544a\u8bc9Investopedia\u3002\u201c\u5728\u6295\u8d44\u80a1\u7968\u4e4b\u524d\uff0c\u786e\u4fdd\u4f60\u6709\u4e00\u4e2a\u5e94\u6025\u57fa\u91d1\uff0c\u8db3\u4ee5\u652f\u4ed8\u4e09\u5230\u516d\u4e2a\u6708\u7684\u751f\u6d3b\u5f00\u652f\u2014\u2014\u5305\u62ec\u623f\u8d37\u3001\u98df\u54c1\u6742\u8d27\u3001\u533b\u7597\u4fdd\u9669\u548c\u6c34\u7535\u7164\u6c14\u8d39\u2014\u2014\u5e76\u4e14\u8981\u653e\u5728\u4e00\u4e2a\u4e0e\u4f60\u7684\u4e3b\u8981\u652f\u7968\u8d26\u6237\u5206\u5f00\u7684\u8d26\u6237\u91cc\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u5fc5\u5728\u7d27\u6025\u60c5\u51b5\u4e0b\u51fa\u552e\u6295\u8d44\u6765\u652f\u4ed8\u8fd9\u4e9b\u5f00\u652f\u4e86\u3002\u201d<\/p>\n\n\n\n<p 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id=\"mntl-sc-block_14-0\">\u6ca1\u6709\u76ee\u6807\u7684\u6295\u8d44\u5c31\u50cf\u6ca1\u6709\u76ee\u7684\u5730\u7684\u5f00\u8f66\u2014\u2014\u6700\u7ec8\u53ef\u80fd\u5230\u8fbe\u4e0d\u4e86\u4efb\u4f55\u6709\u7528\u7684\u5730\u65b9\u3002\u6240\u4ee5\uff0c\u9996\u5148\u8981\u660e\u786e\u4f60\u7684\u201c\u4e3a\u4ec0\u4e48\u201d\u2014\u2014\u4f8b\u5982\u201c65\u5c81\u9000\u4f11\u201d\u3001\u201c\u4e03\u5e74\u5185\u6512\u591f\u9996\u4ed8\u201d\uff0c\u6216\u8005\u4ec5\u4ec5\u662f\u201c\u957f\u671f\u8dd1\u8d62\u901a\u8d27\u81a8\u80c0\u201d\u3002<\/p>\n\n\n\n<p 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href=\"https:\/\/www-investopedia-com.translate.goog\/maximize-your-401k-8769574?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\">\u6784\u5efa\u4ee5\u80a1\u7968\u4e3a\u4e3b\u7684\u6295\u8d44\u7ec4\u5408<\/a>\u662f\u5408\u7406\u7684\u3002\u800c\u5bf9\u4e8e\u77ed\u671f\u76ee\u6807\uff0c\u5219\u53ef\u4ee5\u8003\u8651\u5c06\u90e8\u5206\u80a1\u7968\u6295\u8d44\u8f6c\u5411\u503a\u5238\u6216\u7c7b\u4f3c\u73b0\u91d1\u7684\u57fa\u91d1\uff0c\u4f8b\u5982\u5b9a\u671f\u5b58\u5355\u548c\u9ad8\u6536\u76ca\u50a8\u84c4\u8d26\u6237\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"midcirc__heading_1-0\">\u76f8\u5173\u62a5\u9053<\/h2>\n\n\n\n<p><a href=\"https:\/\/www-investopedia-com.translate.goog\/articles\/stocks\/06\/biotechvaluation.asp?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\"><\/a><a href=\"https:\/\/www-investopedia-com.translate.goog\/articles\/stocks\/06\/biotechvaluation.asp?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\">\u5982\u4f55\u8fd0\u7528\u73b0\u91d1\u6d41\u6298\u73b0\u5206\u6790\u6cd5\u6709\u6548\u8bc4\u4f30\u751f\u7269\u79d1\u6280\u80a1\u7968\u4ef7\u503c<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image\"><a class=\"midcirc-card mntl-text-link \" href=\"https:\/\/www-investopedia-com.translate.goog\/articles\/stocks\/06\/biotechvaluation.asp?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\"><img decoding=\"async\" src=\"https:\/\/www.investopedia.com\/thmb\/W-M3Gtaq2xmY6p9KFXQuBJScffs=\/300x200\/filters:no_upscale():max_bytes(150000):strip_icc()\/stocks-lrg-3-5bfc2b1d46e0fb005144ca11.jpg\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<p><a href=\"https:\/\/www-investopedia-com.translate.goog\/articles\/analyst\/043002.asp?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\">\u5229\u7528PEG\u6bd4\u7387\u53d1\u73b0\u88ab\u4f4e\u4f30\u7684\u80a1\u7968<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_22-0\">\u9009\u62e9\u4f60\u7684\u9053\u8def<\/h2>\n\n\n\n<p id=\"mntl-sc-block_23-0\">\u5efa\u7acb\u8d77\u5e94\u6025\u57fa\u91d1\u5e76\u660e\u786e\u76ee\u6807\u540e\uff0c\u5c31\u53ef\u4ee5\u9009\u62e9\u6295\u8d44\u65b9\u5f0f\u4e86\u3002\u867d\u7136\u4ee5\u540e\u53ef\u4ee5\u968f\u65f6\u8c03\u6574\u7b56\u7565\uff0c\u4f46\u5927\u591a\u6570\u521d\u5b66\u8005\u90fd\u4f1a\u9075\u5faa\u4ee5\u4e0b\u51e0\u79cd\u5e38\u89c1\u65b9\u6cd5\u4e4b\u4e00\uff1a<\/p>\n\n\n\n<ul id=\"mntl-sc-block_25-0\" class=\"wp-block-list\">\n<li><strong>DIY\u6307\u6570\u6295\u8d44<\/strong>\uff1a\u4f4e\u6210\u672c\u3001\u8986\u76d6\u9762\u5e7f\u7684\u5e02\u573a<a href=\"https:\/\/www-investopedia-com.translate.goog\/investing-in-index-funds-4771002?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\">\u6307\u6570\u57fa\u91d1<\/a>\u80fd\u591f\u7acb\u5373\u5b9e\u73b0\u5206\u6563\u6295\u8d44\uff0c\u5e76\u4e14\u957f\u671f\u8868\u73b0\u4f18\u4e8e\u5927\u591a\u6570\u4e3b\u52a8\u9009\u80a1\u8005\u3002\u7406\u8d22\u987e\u95ee\u517c\u300a<em>\u8d85\u8d8a\u5b58\u94b1\u7f50\u548c\u67e0\u6aac\u6c34\u644a\uff1a\u5982\u4f55\u6559\u5b69\u5b50\u7406\u8d22\u300b\u4e00\u4e66\u7684\u4f5c\u8005<\/em><a href=\"https:\/\/translate.google.com\/website?sl=auto&amp;tl=zh-CN&amp;hl=zh-CN&amp;client=webapp&amp;u=https:\/\/lizfrazier.com\/\">\u8389\u5179\u00b7<\/a>\u5f17\u96f7\u6cfd\u00b7\u4f69\u514b\u6307\u51fa\uff0c\u4f60\u5e94\u8be5\u53ea\u6295\u8d44\u4e8e\u4f60\u4e86\u89e3\u7684\u80a1\u7968\u548c\u57fa\u91d1\u3002\u201c\u907f\u514d\u6295\u8d44\u90a3\u4e9b\u4f60\u4e0d\u4e86\u89e3\u5176\u57fa\u672c\u4e1a\u52a1\u7684\u516c\u53f8\uff0c\u201d\u5979\u8bf4\u3002<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www-investopedia-com.translate.goog\/terms\/r\/roboadvisor-roboadviser.asp?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\">\u667a\u80fd\u6295\u987e\u81ea\u52a8\u9a7e\u9a76<\/a><\/strong>\uff1a\u5e94\u7528\u7a0b\u5e8f\u53ca\u5176\u7b97\u6cd5\u4ee5\u9002\u4e2d\u7684\u8d39\u7528\u7ba1\u7406\u8d44\u4ea7\u914d\u7f6e\u548c\u518d\u5e73\u8861\u2014\u2014\u975e\u5e38\u9002\u5408\u65e0\u9700\u4eb2\u81ea\u64cd\u4f5c\u7684\u521d\u5b66\u8005\u3002<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www-investopedia-com.translate.goog\/robo-advisor-vs-financial-advisor-4775377?_x_tr_sl=auto&amp;_x_tr_tl=zh-CN&amp;_x_tr_hl=zh-CN&amp;_x_tr_pto=wapp\">\u4eba\u673a\u534f\u4f5c<\/a><\/strong>\uff1a\u5982\u679c\u60a8\u7684\u8d22\u52a1\u72b6\u51b5\u590d\u6742\uff0c\u4e13\u4e1a\u7684\u8d22\u52a1\u987e\u95ee\u53ef\u4ee5\u5e2e\u52a9\u60a8\u540c\u65f6\u5904\u7406\u7a0e\u52a1\u3001\u4fdd\u9669\u548c\u9000\u4f11\u4e8b\u5b9c\u3002<\/li>\n<\/ul>\n\n\n\n<p id=\"mntl-sc-block_27-0\">\u65e0\u8bba\u4f60\u9009\u62e9\u54ea\u79cd\u65b9\u5f0f\uff0c\u90fd\u8981\u628a\u8ba1\u5212\u5199\u4e0b\u6765\u3002\u8ba1\u5212\u4e2d\u5e94\u5305\u62ec\u4f60\u7684<a 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