If you think it doesn't matter where you keep your savings, think again. There are several options for depositing your cash, each with different perks and limitations. If you choose a money market account (MMA), you'll have easy access to your money, but the interest rate on the account could drop at any time. With Treasury bills (AKA T-bills), the opposite is true: You can't access your money as easily, but your rate of return is guaranteed as long as you leave your money on deposit until the maturity da ...

资产配置现状 - 67岁男性持有110万美元传统IRA账户和25万美元现金资产[1] - 拥有两套完全产权房产 其中一套作为爱彼迎运营资产[1] - 投资组合配置相对于年龄略显激进 但考虑到配偶年仅47岁 风险偏好属适度[1][3] 财务教育需求 - 配偶缺乏财务知识 需要系统性金融教育[1][3] - 建议共同参与投资决策过程 而非单方面主导[4] - 金融知识普及应包含多元化投资与风险承受力等基础概念[7] 专业顾问作用 - 财务顾问可协助税务优化计划 如529大学储蓄计划[5] - 需确保理解投资决策逻辑 避免过度依赖顾问[5] - 金融媒体平台提供市场化教育内容 帮助提升财务决策能力[6] 投资策略重点 - 资产配置需平衡股票、债券与现金比例 并随年龄动态调整[7] - 个别投资者通过英伟达、Palantir等个股获得超额收益 但需注意风险控制[7] - 投资教育是持续过程 可能需要数周至数年时间完成[4]