Cyril de Lalagade partage un Conseils de gestion de portefeuille pour les jeunes  investisseurs
                     PORTFOLIO  
MANAGEMENT 
TIPS  FOR YOUNG
INVESTOR
S By Cyril de 
lalagade
Too many young people rarely—if ever—  
invest for retirement. Some distant date,  
40 or so years in the future, is difficult
for many young people to fathom.
without  investments But  to
retirement income (if anys)u, ptphlesmee fnutture  
retirees will have a hard time paying for  
life's necessities.
Start Early
Start s aving as soon as you go to work 
 by participating in a 401(k) retirement
plan, if it's offered by your employer. If a  
401(k) plan is not available, establish an  
Individual Retirement Account (IRA) and  
earmark a percentage of your
compensation for a monthly contribution 
 to the account.
Early Higher 
Risk  Allocation
Another reason to start saving early is that the  
younger you are, the less likely you are to have 
 burdensome financial obligations: a spouse,  
children and a mortgage, to name a few. 
Without  these burdens, you can allocate a 
small portion  of your investment portfolio to 
higher-risk  investments, which can return 
higher yields.
An Exemplary 
To illustrate the advantage Egg
of  investing as soon as 
possible,  assume that you 
invest $200  every month 
starting at age
25. If you earn a 7% annual 
 return on that money, 
when  you're 65, your 
retirement
nest egg will be  
approximately 
$525,000.
Diversify
The idea is to select stocks across a 
broad  spectrum of market categories. 
This is  best achieved through an index 
fund. Aim  to invest in conservative 
stocks with  regular dividends, stocks 
with long-term  growth potential, and a 
small percentage  of stocks with better 
returns or higher  risk potential.
Keep Costs to 
a  Minimum
Invest with a discount brokerage firm. Another  
reason to consider index funds when beginning 
 to invest is that they have low fees. Because  
you'll be investing for the long term, don't buy  
and sell regularly in response to market ups 
and  downs. This saves you commission 
expenses  and management fees and may 
prevent cash
losses when the price of your stock declines.
Discipline and  
Regular Investing
Make sure that put moneyinto  
you  your on  a regular,
dinivsceisptlmineendt s basis. This may not be  
possible if you lose your job, but once  
you find new employment, continue to  
put money into your portfolio.
Asset Allocation  
and Re-Balancing
Assign a certain percentage of  
your portfolio to growth stocks
,  dividend-paying stocks, 
index
funds, and stocks with higher 
risk  but better returns.
The Bottom 
Line
Disciplined, regular, diversified
investments in a tax-deferred 401(k),  
IRA or a potentially tax-free Roth IRA, 
 and smart portfolio management can 
 build a significant nest egg for
retirement. A portfolio with tax liability, 
 dividends, and the sale of profitable
stock can provide cash to supplement 
 employment or business income.
THANK 
YOUCyr!il de 
Lalagade