我一直觉得，这个贴子非常准确的概括了中产阶级的投资顺序 https://forum.mrmoneymustache.com/investor-alley/investment-order/msg1333153/#msg1333153 由于时间久远，有一些可能不在适用。 比如一现在的利率，低于4%的债应该尽可能不还或少还。 再比如如果有小孩，529现在应该优先于还债。 0. Establish an emergency fund to your satisfaction 1. Contribute to your 401k (traditional or Roth - see "Why #4" below) up to any company match 2. Pay off any debts with interest rates ~5% or more above the current 10-year Treasury note yield. 3. Max Health Savings Account (HSA) if eligible. 4. Max Traditional IRA or Roth (or backdoor Roth) based on income level 5. Max 401k (if - 401k fees are lower than available in an IRA, or - you need the 401k deduction to be eligible for (and desire) a tIRA deduction, or - you earn too much for an IRA deduction and prefer traditional to Roth, then swap #4 and #5) 6. Fund a mega backdoor Roth if applicable. 7. Pay off any debts with interest rates ~3% or more above the current 10-year Treasury note yield. 8. Invest in a taxable account and/or fund a 529 with any extra.
0. Establish an emergency fund to your satisfaction 1. Contribute to your 401k (traditional or Roth - see "Why #4" below) up to any company match 2. Pay off any debts with interest rates ~5% or more above the current 10-year Treasury note yield. 3. Max Health Savings Account (HSA) if eligible. 4. Max Traditional IRA or Roth (or backdoor Roth) based on income level 5. Max 401k (if - 401k fees are lower than available in an IRA, or - you need the 401k deduction to be eligible for (and desire) a tIRA deduction, or - you earn too much for an IRA deduction and prefer traditional to Roth, then swap #4 and #5) 6. Fund a mega backdoor Roth if applicable. 7. Pay off any debts with interest rates ~3% or more above the current 10-year Treasury note yield. 8. Invest in a taxable account and/or fund a 529 with any extra.
这个和保守不保守没多少关系，和如何利用利率与税法关系比较大。
跟我一样的顺序