星洲日報／投資致富‧企業故事
学亲子理财‧SMART5招
钱潮
专家表示，父母能给孩子最大的礼物，就是替孩子做好完善的财务规划，打造幸福未来，透过“SMART”5招，轻松搞定亲子理财学分。
玉山银行表示，“S”是savings，也就是积极储蓄，把收入扣除储蓄后，才是支出。“M”是management，也就是独立管理，针对子女教育或生活所需，设置专款专用的独立账户，并定期检视以免因临时的资金调度需求而挪用。
“A”，就是action，彻底执行，养成定期定额的投资习惯，不因市场波动而停止，有纪律地持续投资。再来是“R”，就是risk control，风险管理，必须规划父母自身的寿险保障以及子女的医疗防护准备金，才能避免意外发生时，没有足够的资金支应孩子的教育及生活费用。
最后是“T”，time，及早规划，愈早开始规划与执行，愈能发挥时间复利的效果，用最少的金钱达成最大的效益。
文章来源 ： 星洲日报 2019-06-17
https://www.sinchew.com.my/content/content_2069227.html
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