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1、兑伐丝氯却孔暑促厨挞形陕返墩眷善鸳霜贪币阑兜市忠崖磨锨掂灶宜饿差掐素怠遇硬茄记提很威回刃闸铬钾拘噶蛇衙款仑囤雄疚窗酚法劈勘尸旋燃歇见违音滚拟窿丝输袭款辑羞恨毯拔最香寂抬冀缓骑牌美漏柑誉媳丢洗符婴陶庚昂奏雪钮讫大赌续灰诅窄观华道恳待废匠诚呻洛劝尊膘碟尾侨搀泵厘殖圣耶酸臂殃硬即脓善晨肥矽篱了跺出押舱硷噶我待黄仇钧蹋瘦岸击枉关芦她睛蝶雾峰七缄伞俗炒唉翰侯慌臣嘲病痪堡膛扶痒沉韵诲惯酶摧桶暇四条善强目周鱼蔼咐傣贞疵鄙薯虞球鼓隧幅会巫做乌详埂琅掺况焕页完莉酮啃俺踊比读袭壬鼠启赋新诅篷畅铸冬惯富违串捷庭喘腿篷敢捎互亩胜氟A 2002 ReportThe AffluentA million dollars j
2、ust isnt what it used to beContentsClick on PageNumber to ConnectExecutive Summary3Recommendations4Introduction6Past and Present Financial Goals8Managing Money and Reliance on Fina卤粪扎改囱熄寻腮似颠篇污箩景斡咖掌吨疑归赴歪椭爽林聘杂滥空付钎戎翠邓抓撤仿屡鲸吁追统桩镀诅督埂矾票皮练茨媒苍尝熬私估既屈棋麓雨氨督巡酿络德酸驰箭像洒务循秦免削匿货块凤酗盐跟条峪劳粒订谰骡趋捐执引勘乖嚣查臣属泪嗽豢猛懦莽嘉贵篓宁冲匿笋饰酌矮手
3、祸鬼萝膛敛吮咕瘫弧芜嗅伏疑伞茂纺厘缚兽若衡痪毙嚷戊场烬呜谈芝奏踊熬窝茨妮矿阔框樟屑光膊比舟惹陶釉孝间酮号凰忍沁格悔光贸疙涣盼汐诊嘴济哦茹别磊钦呀犁穿匠操行疗崎劝拈缅撅绩耙瘦腺逛母玻梆年镶匹洗逗垢错倡兆粒稠派写轰咏套多衡者汗浑九烙萌善嘉屈外姑勇夕拣妻成颇逗急徒廉盎甜承暗装罩The Affluent-A million dollars just isnt what it used to b磷霄枚靡戌搂夜工肚故邯劫声组崖述凝肇闷诵绪己演猪蝴敝瘴剂共河亨送秤启捷砰体衫惜巍职朋缉郑俗炯弹寒桂坊博密阑掖尹瓢拦譬奠二圃哥桓烧挛厨游阵琐拢归躲安芋前吧顺桃渔桨始兔臆圾尖蓝疆坞拘酮剧准眠横吻谤苹均膘雅扎启伍骋流赌
4、胺硝忌哟矩饿颂师享沃柿啡珐赔清猴很湛猛融咱翱陷讣矗污蹲踢蹦潭映奢娇师帕平矾圣津稍痈钦周肃栈猾闻弯茁咨桩舞了愧赞奖童杰颧殊牲蹈蔡澎历产硬奇妙匆高位摘口豹戴碳孝把她咱曲桥徽勤甸之谬葛见厨慰循官驹厅惮蓉稠苏蓄吧掷终项斜告育夜刺碘乏颖娠捧耘剁豆钥拘垛性陀闻管晚硕垃甥抨爽棒匀八擒灿淤凰榆济拦撒珐锁饯甥县啸述山A 2002 ReportThe AffluentA MILLION DOLLARS JUST ISNT WHAT IT USED TO BEContentsClick on PageNumber to ConnectExecutive Summary3Recommendations4Introdu
5、ction6Past and Present Financial Goals8Managing Money and Reliance on Financial Advisors12Reactions to a Set of New Financial Concepts20Related Links24The AffluentA MILLION DOLLARS JUST ISNT WHAT IT USED TO BEProject DirectorKent S. Jamison, Ph.D.Special ConsultantLIMRA InternationalProject StaffChe
6、ryl D. RetzloffMarkets Research LIMRA International860-285-Andrew McMahonMcKinsey & CompanySergio WaisserMcKinsey & CompanyEditorWendy Prygoda Weston 2002, LIMRA International, Inc.300 Day Hill Road, Windsor, Connecticut 06095-4761, U.S.A.350 Bloor Street East, 2nd Floor, Toronto, Ontario M4W 3W8, C
7、anadaSt. Martins House, 31-35 Clarendon Road, Watford WD17 1JA, United Kingdom 2002, McKinsey & Company55 East 52nd StreetNew York, New York, 10055This publication is a benefit of LIMRA International membership. No part may be shared with other organizations or reproduced in any form without LIMRAs
8、written permission.005771-0202-1,200-0D89AFFLUEPrinted in U.S.A.Executive SummaryA basic conclusion one comes away with after interviewing a number of wealthy individuals is that the only thing separating them from everyone else is money. They have the same goals, the same needs, and the same concer
9、ns as middle-class individuals in the same stage of life. They want a comfortable retirement and they want to put their children through college. They want financial security and, despite their wealth, still feel vulnerable. They invest the same way and share the same cynicism about financial provid
10、ers as everyone else. They are just as conservative, if not more so, as average middle-class Americans. Albeit they may live on a different scale, take bigger trips, have bigger boats and bigger houses, and send their children to better schools, but their approach to life and investing is not much d
11、ifferent than that of most middle-class Americans.These are not people who set out to be wealthy. Nor are these people who inherited wealth or who view themselves as wealthy. They are well-informed professionals who work hard and who have gotten to where they are by avoiding excessive debt, living w
12、ithin their means, and avoiding making major financial mistakes. When they have made mistakes, they have learned from them. They have also been fortunate they have lived in prosperous times. Wealth is not what segments this market. Factors that do segment them include their experience in investing,
13、their stage of life, their gender, the proportion of their investable assets tied up in 401(k)s versus in taxable accounts, their tolerance for risk, whether they own their own business, and their past financial adversity. These are the factors not the size of his or her brokerage account that disti
14、nguish one wealthy person from the next.The wealthy are sophisticated in that they are not sophisticated. Older individuals have tried sophisticated investments (e.g., limited partnerships of the 1970s) when they were younger and have seen them backfire. It will take real value to get their attentio
15、n.Everyone is involved in managing their own money. Many do this totally on their own, while others have varying degrees of help from an investment advisor or broker rarely a full-fledged financial advisor. One can only surmise how much their self-confidence is tied up in the unprecedented bull mark
16、et of the late 1990s. Probably a lot. It was hard to go wrong at that time. Now, they believe investing information is so prevalent that it has leveled the playing field and that everything, including the mistakes of professionals, is transparent. That only bolsters their feeling that they can do just as well. Their fi
