Hello everyone! This is my first article in
English. I’ll share my financial goals with you.
We know 2020 was a challenging year for
some people impacted by the global pandemic. Still, it is important to reset
our personal finances and our goals for the new year.
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happy new year
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Every end of year, I set some new resolutions
about my work, my daily life, or my investment that all what I want to achieve
for the next year. And I have 2-4 check points to adjust my plan if they are
not on the schedule or ahead of schedule. Besides check my goals once every
three months by myself and with my boss who also has the CFP® license. What is CFP® license?
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2021 resolutions
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What are my financial goals? There are five.
1. Net
Assets Grow 30%-40%
It is the first time I set a goal with my
net assets. I’m so excited about that, because I am looking forward that will
come true. And how I set the goals? I have filled out two forms for four years, one is about my
income & expenditure and another one is about my assets & debt. It helped me know how my assets grow in the past years. So the beginning
of the new year, I try to set a number for my net assets that what I want it to
grow up.
2. Systematic
Investment Plan Of ETF NT 10,000 A Month
My assets include deposits in Taiwan dollars and U.S. dollars, life insurance, fund, stocks and ETF. I hope my financial goals can be achieved. I'll start to invest on ETF of U.S. stocks. The earlier start to invest, the
better for me.
3. Put More
Money Away For Retirement
If my passive income more than my cost, I
earn more time to spend what I love to do. So I need have a balance between now
and future. I enjoy my life and I have to consider my retired life. It’s not be
early to prepare my pension, because it is a huge amount that I never ever
have.
4. Have Enough
But Not Too Much Insurance to Cover Contingencies
Insurance is something of a tough call. And insurance can make or break my finance. Some
people don’t have enough coverage, while many others are paying too much for
the coverage that they have. Striking a balance between the two is another of
those good financial goals.
5. Becoming
Minimalist But Spend Money Bravely
I rarely go shopping. I think I own a lot. More
shopping doesn’t make me happier. The ‘One in, one out rule’ is a great idea
for reduce excess items, save room space and save my wallet. But maybe I can
spend money bravely on what I want to buy and what I need.
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| 2021 |
Did
you make any resolutions concerning your personal finances last January? If so,
what are your new year financial goals for 2021? Share with me~
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