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1、Areyoureadyfor2013?Mostfinancial-planningadvice,likemostNewYear'sresolutions,istoocomplexortoobanal.HalfofitisdesignedforType-Adrillsergeantswhoalreadyalphabetizetheirrefrigerators.Theotherhalfyou'veheardbefore.Let'sassumeyouarealreadypayingoffyourcreditcards,contributingtoyour40
2、1(k)atworkandflossingaftereverymeal.Herearesixunusual,anddoable,smartmoneymovesforthenewyear.1Workoutyourbiggestsavingsgoal.ManypeopleworkingtodayarelikelytoliveforthreedecadesaftertheybecomeeligibleforSocialSecurity,butfewofthemhaveacluewhatthatmeansfinancially.Just42%ofworking-
3、ageAmericanshaveeventriedtocalculatewhattheywillneedinretirement,accordingtotheEmployeeBenefitResearchInstitute,aWashington,D.C.-basedthinktank.Thegrimreality:60%ofthemhavelessthan$25,000savedup,excludingthevalueoftheirhome,and30%havelessthan$1,000.Goodluckwiththat.Howmuchwillyou
4、need?Toreplaceyourcurrentincomefor30years,youwouldneed--assuminganinvestmentreturnofthreepercentagepointsaboveinflation--about20timesoneyear'sincome.SocialSecurityaimstoreplaceabout40%ofyourannualincome:Bythatyardstickyouwouldneedtosaveabout12timesyourannualincomebeforeyouretire.
5、Foramoreprecisenumber,usetheSocialSecurityAdministration'sretirementestimator.Subtractyourexpectedannualbenefitfromyourcurrentyearlypay,andmultiplyby20.2Rampupyourinvestments.OpenaRothindividualretirementaccount,ifyoudon'thaveonealready.Youcaninvestupto$5,000for2012and$5,500for20
6、13andanonworkingspousecaninvestthesame.Ifyouareolderthan50,add$1,000.Theninvestsomemoneyinafund,suchastheWisdomTreeEmergingMarketsSmallCapDividendexchange-tradedfund(DGS),specializinginsmaller-companystocksinemergingmarkets.Itshouldn'tbethewholeofyourportfolio,butitshouldbeinther
7、e.Thisislikelytobeavolatilegrowthinvestment.Emergingmarketsofferthebestoverallreturnsofanyinvestmentatthemoment,accordingtotwogroupsofexpertswhosuccessfullypredictedthelasttwofinancialcrises:ResearchAffiliates,theinvestmentadvisoryfirmfoundedbyRobertArnott,andGMO,thefundcompanyco
8、-foundedbyJeremyGrantham.GMOestimatestha
