How 您r DISC Personality Influences 您r Investing

在Ramsey Solutions,我们在采访过程和日常工作中使用DISC个性档案。它’这是一种简单的方法,用于了解人们的联系方式,他们如何处理信息,他们如何思考以及甚至如何交流。简介侧重于与世界联系的四种方式:

  • 决定性的(D)—热爱完成工作的硬汉。
  • 互动式(I)—热爱影响力的爱好娱乐的人会帮助他人。
  • 稳定度(S)—忠诚和耐心的团队成员。
  • 谨慎(C)—具有分析能力的人会做作业并了解他们的知识。

在工作环境中,了解他人的想法和联系方式非常重要,因为一旦您知道一个人如何处理信息,便会知道与他人进行最佳交流的方式。

但是DISC个人资料会告诉您有关您的投资行为的什么信息?

高D—作为梦想家的决定性人物

’re a D, you love getting stuff done. 您 make decisions quickly (thus, the name)! With as much vision and passion that you have for your career and other ventures, you can make that same determination work for you as you invest for the future.

您’擅长决策,但是您可能并不太了解达成目标所需的细节或步骤。’re a high D, you need to create those steps and a time frame for completing them. 您 may even want to set up periodic reminders on your phone and your calendar to complete those steps. A decisive personality 将 want to use their high drive to charge the lane and get retirement stuff done, but they may lose steam because it’是一场马拉松,而不是短跑。确保您保持专注!

说到梦想,您可能需要时不时地提醒自己您的最终目标,’不要忽略它。否则,您可能会分心。找到一种方式来记住你’正在努力,为什么。

One other thing to be aware of: ’高D,您可能会认为您’ll never want to retire. 您 love the challenge of working and the fulfillment it brings you. Even though you think you’永远工作,你赢了’t. 您 无论您是否愿意,总有一天要退休,所以您需要立即开始投资,以便以后可以自给自足。

高我—作为发起者的互动

您 get excited about investing because of the end result—the things you’ll get to do with people and for people. 您 can see the fun you’一定会成功,这会激发您的投资决策。

像高D’s, though, high I’s may not see all the work involved to reach those money goals. 您 may also need a plan to get you from Point A (present moment) to Point B (that retirement dream). And then you need to prioritize which action comes first. Write them down in the order you want to complete them.

因为你’如果是由人员而不是流程来激励的话,您可能会忘记预算。这对现在和退休都很重要。将预算记在纸上可以让您以黑白方式查看可以投入多少资金—以及可以减少的地方,以便您可以投资更多。

您需要提防的一种行为是冲动消费。和我’m not just talking about spending extra money at Target. 您r spur-of-the-moment approach to life could derail your investing goals, 所以要坚持你的预算。每个月。

一般来说,高D’s and high I’s want to see movement quickly. This can be dangerous from a risk-tolerance standpoint, because investing is a marathon, not a sprint. 您 may take more risk than you need to, so be aware of that tendency.

高S—牺牲者的稳定剂

Slow and steady wins the race for you. And the payoff at the end of the race is the ability to spend time with your family. 您 are 将ing to sacrifice now for the joy you’ll experience with them later. 您’可以采取长距离的方法来实现您要实现的目标。

当你’在实际工作中表现出色,您在做梦时遇到困难。有时上手可能会感到不知所措。还是不问“我想怎么办?” you’re tempted to ask, “可能会发生什么?” That approach to the future 将 kill any dreams you have. 您 need to shut down the internal critic and allow yourself to dream without any restrictions.

When it comes to investing, a high S 将 struggle with jumping into the stock market. 您’重新保留,并希望确保您’重新做出正确的决定。但是,不要’不要将投资拖延太久。您投资越早,您就给予复利更多的时间来发挥其魔力。

高C—谨慎对待计算器

’re a high C, you want the details. 您 want to know exactly the route to take to reach your investing goals. 您 love plans and routes and clarity. 您 remember to set the budget every month and you’已经在想你’当您实现财务目标时,我们将继续生存下去。

但是像高S一样,高C也需要了解它们的动作’re taking now are connected to the end result. 您 can also get so caught up in building the investing portfolio that you lose sight of why you’重新尝试建立财富。而且,如果您的配偶的C值不高,请记住,他们可能不像您那样细致入微—and that doesn’t mean they don’t care.

作为高C,你不’喜欢冒险。实际上,您讨厌它。但是投资会带来风险,因此您需要对此有所适应。实际上,您可能需要评估您是否’re taking enough risk. 您 might need to let go of the reins just a little and give your investing portfolio a little room to breathe. And remember to budget in a little fun regularly on the way to retirement.

当您积累财富以实现财务独立时,了解自己的个性可能是一项优势。因为每个人都有自己的优点和缺点,’重要的是要获得一些外在的,无偏见的帮助,以保持步伐正常。每年至少一次与您的财务顾问会面,并查看您的目标和当前投资组合。他们将向您展示您的资金状况,并在必要时建议您更改投资。最终,你’掌管您的财务未来,因此要利用自我意识做出正确的决定。

’d有关个人或个人业务的DISC个人资料的更多信息,请查看我们的 光盘信息页 线上。