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准备而非恐慌:现在就为衰退做准备的3件事

25 March 2025-6 min read-By Jarrod Kirkland
准备而非恐慌:现在就为衰退做准备的3件事

Key Takeaways

  • 1制定预算并削减奢侈支出以建立财务韧性。
  • 2重组您的房贷以应对潜在的收入中断。
  • 3不要将KiwiSaver转移到保守基金,除非在6个月内买房。

经济衰退的关键问题是商业信心不足。这里有3件事可以帮助您做好准备,还有1件事您绝对不应该做。

经济衰退对房主意味着什么?

经济衰退的关键问题是商业信心不足。企业主失去客户,要么缩减规模,要么冻结招聘。

为衰退做准备可以做的3件事

1:减少奢侈消费

今天就是坐下来完成预算的日子。

2:重组您的房贷

在经济不确定的情况下,您要确保如果最坏的情况发生,您的房贷已经设置好。

3:考虑您的非房贷债务

合并债务,使您的定期还款更小。用闲钱偿还高息次要债务。

在衰退中绝对不应该做的1件事

除非您准备在未来6个月内买房,否则将KiwiSaver转移到更保守的基金是非常不明智的。市场已经从高点回落,所以现在转移到现金基金会锁定那些损失。平均而言,市场在重大崩盘后的一年里上涨28%。

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Frequently Asked Questions

在衰退期间应该将KiwiSaver转移到保守基金吗?

不应该,除非您在未来6个月内买房。市场通常在重大崩盘后的一年里平均上涨28%。

Disclaimer

The information on this website is for general guidance only and does not constitute financial or investment advice. Always do your own research and seek personalised advice from a qualified financial adviser or mortgage adviser before making financial decisions. All investments carry risk and past performance is not indicative of future results.

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