阅读理解。
阅读下列材料, 从所给的六个选项(A、B、C、D 、E 和 F )中, 选出符合各小题要求的最佳选项.选项中有一项是多余选项.
A. Prepare for Rainy Days
B. Watch Your Spending
C. Get Aggressive
D. Start Saving
E. Set the Goal
F. Save More
Steps to Retire a Millionaire
Having a million-dollar portfolio is a retirement dream for many people. Making that dream come
true requires some serious effort. While success is never a sure thing, the steps outlined below will go
a long way toward helping you achieve your objective.
1. ____
Vacations, car, kids and all of life's other expenses take a big chunk out of your paycheck. To maximize
your savings, you need to minimize your expenses. Buying a home you can afford and living a lifestyle
that is below your means and not funded by credit cards are all necessities if you want to boost your
savings.
2. ____
If you don't save, you'll never reach your goal. As obvious as this might seems, far too many people
never even start to save. If your employer offers a 401(k) plan, enrolling in the plan is a great way to
put your savings on autopilot. Simply sign up for the plan and contributions will be automatically taken
out of your paycheck, increasing your savings and decreasing your immediate tax liability.
If your employer offers to match your contributions up to a certain percentage, be sure to contribute
enough to get the full match. It's like getting a guaranteed return on your investment. Finding the cash
to stash may be a challenge, particularly when you're young, but don't let that stop you from pursuing
future riches.
3. ____
Studies have shown that the majority of the returns generated by an investment are dictated by the
asset-allocation decision. If you are looking to grow your wealth over time, fixed-income investments
aren't likely to get the job done, and inflation can take a big chunk out of your savings.
Investing in equities entails more risk, but is also statistically likely to lead to greater returns. For many
of us, it's a risk we have to take if want to see our wealth grow. Asset-allocation strategies can help
you learn how to make picking the right mix of securities the core of your investing strategy.
4. ____
Part of long-term planning involves accepting the idea that setbacks will occur. If you are not prepared,
these setbacks can put a stop to your savings efforts. While you can't avoid all of the bumps in the road,
you can prepare in advance to mitigate the damage they can do.
5. ____
Your income should rise as time passes. You'll get raises, you'll change jobs, and maybe you'll get
married and become a two-income family. Every time more cash comes in to your pocket, you should
increase the amount that you save. The key to reaching your goal as quickly as possible is to save as
much as you can.
