60歲以上準備退休！4大資產「輕易賣掉」 恐瞬間淪下流老人 郭宜欣

嬰兒潮世代進入人生下半場，正在準備退休或者已開始退休生活，此時維持財務穩定相當重要，有些人選擇調整資產配置增加現金儲備，但有4種資產被專家建議，不要輕易賣掉。

綜合外媒報導，變賣股票確保資金聽起來很有吸引力，但財富管理機構Shadowridge理財規劃師Laura Redfern強調，千萬不要向這種衝動妥協，除非真的需要大筆現金，輕易賣掉已經賺取龐大資本利得的股票或資產並不明智。

此外，輕易賣掉人壽保險單也不夠聰明，Laura Redfern認為，可能會讓你的繼承人失去你最初投保時想留給他們的經濟支持，讓指定的繼承人在你過世後獲得完整的權益，且通常賣保單可能影響領取其他福利的資格。

Laura Redfern建議，民眾徹底了解保單涵蓋的範圍與福利，如果真的需要現金，可以先暫停或延後繳納保費，利用保單中的現金借款服務，轉換保單或啟動「生前給付」的功能，提前預計身故給付金，當然詳細狀況仍有所不同。

第三，不要輕易賣掉房子。Laura Redfern認為，雖然短期獲得的現金看起來很誘人，但長遠來看不是最佳選擇，如果還申請逆向抵押貸款（Reverse Mortgage），俗稱「以房養老」雖然每月獲得生活費，但最終可能無法讓繼承人享受遺產。

第四，千萬不要賣掉具有紀念意義的物品，財富顧問Scott Sturgeon認為，為了賺快錢得不償失，如果是代代相傳的傳家寶，與其變賣，不如考慮贈送給朋友或家人，確保這些傳統或家族的一部分在未來世代中延續下去。

https://tw.stock.yahoo.com/news/60歲以上準備退休！4大資產「輕易賣掉」-恐瞬間淪下流老人-220530980.html

John McDermott - The Old Man

The tears have all been shed now

Weve said our last good-byes

His souls been blessed and hes laid to rest

And its now I feel alone

He was more than just a father

A teacher my best friend

He can still be heard in the tunes we shared

When we play them on our own

I never will forget him for he made me what I am

Though he may be gone memory lingers on

And I miss him ... The old man

As a boy hed take me walkin

By mountian field and stream

And he showed me things not known to kings

And secret between him and me

Like the colors of the pheasant

As he rises in the dawn

And how to fish and make a wish

Beside the holly tree

I never will forget him for he made me what I am

Though he may be gone memory lingers on

And I miss him ... The Old Man

I thought hed live forever

He seemed so big and strong

But the minutes fly and the years roll by

For a father and his son

And suddenly when it happened

There was so much left unsaid

No second chance to tell him thanks

For everything hes done

I never will forget him for he made me what I am

Though he may be gone memory lingers on

And I miss him ... The Old Man

https://www.youtube.com/watch?v=p8ciwefiEiU&list=RDp8ciwefiEiU&start_radio=1