可可電臺，每期節目一話題，讓英語磨練耳朵的同時學到更多有益的小知識，豐富知識的同時受益于生活。

Questions you need to ask yourself when setting investment goals for financial independence.

設定財務獨立性的投資目標時，你需要問自己的問題

How do your moral and ethical values influence your portfolio management strategy?

你的道德和倫理價值觀如何影響你的投資組合管理戰略?

Do you plan on spending all of your capital during your lifetime or do you desire to leave behind a financial legacy for your heirs and beneficiaries?

你是打算在有生之年花掉所有的財產，還是想為你的繼承人和受益人留下一筆遺產?

If you spend through your capital, it means you’ll be able to enjoy a higher withdrawal rate than you could support otherwise.

如果你把你所有的資金都用在理財上，這意味著你可以享受比你能所需的更高的提現率。

If you don’t, you’ll get to take a small cut of the stream of passive income from your holdings but the principal should grow over time, provided it is prudently managed, serving as what effectively amounts to an endowment.

如果不這么做，你可以從所持有的被動收入中抽取一小部分，但是只要管理得當，本金應該隨著時間增長，也可以用來作為有效的養老金。

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