The savings mistakes range from directly buying company stock to not saving for retirement.Here are the worst savings mistakes that you may be making:
存錢的誤區(qū)有很多，包括直接購買公司股票、放棄存儲(chǔ)退休金等。下面列舉一些大家可能正在邁入的存錢誤區(qū)：

1.You don't have a savings account.
沒有儲(chǔ)蓄賬戶

Just 51 percent of American families have a savings account, according to the Fed's survey. Having a savings account is critical for being able to save over the long term.
根據(jù)美聯(lián)儲(chǔ)調(diào)查，僅有51%的美國家庭擁有儲(chǔ)蓄賬戶。從長遠(yuǎn)考慮，擁有儲(chǔ)蓄賬戶對于存錢非常重要。

2.You aren't saving for retirement.
放棄儲(chǔ)蓄退休金

Only 35 percent of families have an employer retirement plan, 28 percent of them have an individual retirement account (IRA), and 13 percent have both types of accounts, according to the Fed's survey.
根據(jù)美聯(lián)儲(chǔ)調(diào)查顯示，僅有35%的美國家庭可以享受企業(yè)養(yǎng)老金計(jì)劃，28%的家庭擁有私人養(yǎng)老金賬戶(IRA)，13% 的家庭兩種都有。

3.You have bought a few stocks directly from the stock market.
直接從股市購進(jìn)股票

29 percent of families directly hold one stock, and 53 percent of families directly hold 2 to 9 stocks, according to the Fed's survey. People that aren't investing for a living are likely to lose money by buying individual stocks because they are being outsmarted by professional traders, high-frequency traders, and professional investors that have studied companies' fundamentals closely. Diversification, on the other hand, insulates you from individual companies' mistakes and allows you to benefit from the economy's general growth.
根據(jù)美聯(lián)儲(chǔ)調(diào)查顯示，29%的家庭直接持有一支股票，53%的家庭直接持有2到9支股票。為投資獲利而購買個(gè)股很容易賠錢，因?yàn)橐话闳撕茈y勝過專業(yè)人士，這些職業(yè)操盤手、高頻交易員和職業(yè)投資人早已把各個(gè)公司的經(jīng)營狀況仔細(xì)研究過了。從另一方面來講，多元化的投資方式會(huì)讓你免受私人企業(yè)失誤的牽連，而且會(huì)讓你享受整體經(jīng)濟(jì)增長所帶來的好處。

4.You chose your bank because it is close to you, not because of what it has to offer.
選擇銀行只為方便，而不是它為你所帶來利益。

46 percent of households said they chose the location of their checking account because of the "location of their offices," according to the Fed's survey. Convenience is good, but it's even better to not have to pay crazy fees.
根據(jù)美聯(lián)儲(chǔ)調(diào)查顯示，46%的家庭表示他們選擇存款銀行的依據(jù)是“公司所在地”。方便固然很好，但是如果還不用繳納高額的費(fèi)用豈不是更好。

5.You don't have a checking account.
沒有活期存款

10 percent of families do not have a checking account, 59 percent of whom are in the bottom income quintile, 51 percent are headed by someone younger than age 45, and 66 percent of whom were minorities, according to the Fed's survey. Having a checking account is important for keeping track of your finances.
根據(jù)美聯(lián)儲(chǔ)調(diào)查顯示，全國10%的家庭沒有活期存款，其中的59%都是收入最低五分之一家庭，另外51%為年齡在45歲以下人口，在這群人中，66%為少數(shù)裔。擁有活期存款對于保證自己的財(cái)政狀況非常重要。