退休/重大购置规划

Welcome, Mr. Lee. Thanks for coming in today. How can I assist you with your financial goals?

Thanks, Andrew. I'm here to talk about retirement planning. My wife and I are thinking of retiring in about 15 years, and we want to make sure we're on track.

Fifteen years is a great timeline to work with. It gives us ample opportunity to build a robust portfolio. Have you given any thought to what kind of lifestyle you envision in retirement?

We'd like to travel quite a bit, maybe spend winters somewhere warm. And we definitely want to be comfortable without having to worry constantly about money. What sort of return on investment should we be aiming for?

Based on that, we'll need to project your future expenses and inflation. For a 15-year horizon, we can explore a balanced portfolio with a mix of equities and fixed income. Historically, a diversified portfolio can aim for an average annual return of 6-8%, but that always comes with market risks, of course.

That sounds reasonable. What about risk tolerance? We're not looking to take huge risks, but we understand some risk is necessary for growth.

Exactly. Given your timeline, a moderate risk profile would be appropriate. We can allocate a larger portion to growth-oriented assets now and gradually shift towards more conservative holdings as you approach retirement. This is often called 'glide path' investing.

Glide path, I like that term. It sounds very strategic. So, what are the next steps? Should we look into specific investment vehicles?

Absolutely. I'll prepare a detailed proposal that outlines different investment options, including diversified mutual funds, ETFs, and potentially some individual stocks if you're comfortable. We'll also factor in tax efficiency. I'll send it over next week, and we can schedule another meeting to review it.

That sounds perfect, Andrew. Thank you for clarifying everything. This initial discussion has been very helpful.