The notion of using the SMART principle as a general guide for setting financial goals has been around for years. Each letter represents a key word that distinguishes good financial goal setting from bad:
S - Specificity. Setting a good financial goal means being very specific about what you want, not general. If you want to move somewhere for your retirement: precisely where and under what circumstances? If you want to send your child to college: what type of college, for how long, and what expenses are you willing to cover? Setting specific financial goals is vital to realistically planning to meet these goals.
M - Measurability. Properly setting financial goals means setting a goal you can actively measure. This ties into specificity, but also means it is something that you can routinely go back check to ensure that your original targets are still suitable for achieving the goal in the desired time frame. Being able to accurately measure your goals is essential for creating a viable plan for accomplishing them.
A - Achievability. When setting financial goals, it is important to set ones that are realistic and achievable. Achievability is relative, what may be a realistic goal for a multimillionaire probably is not realistic for a shop clerk making minimum wage. Both of these people can - and should - set financial goals, but what each can achieve is radically different based on their circumstances.
R - Rewarding. Your financial goals should reflect things that you sincerely want, that is, a good financial goal should be its own reward. The time and resources expended to accomplish serious long-term goals demand that you really want them. If you do not, it will be next to impossible to maintain the discipline required to actually achieve them. Achieving your financial goal should be its own reward.
T - Traceability. You should be able to effectively trace the path to achieving a good financial goal. Beyond simply measuring what is required, your have to be able to trace a course of action that steadily moves you closer to success. Tracing your path to success, and reassessing this path regularly, will ensure that you are still on target. Or, if not, will at least highlight that it is time to take corrective measures.
The SMART principle, described above, is a nifty little associative device that can help with setting financial goals. Any financial goal model that does not meet these requirements is probably a bad idea and should be reconsidered.
S - Specificity. Setting a good financial goal means being very specific about what you want, not general. If you want to move somewhere for your retirement: precisely where and under what circumstances? If you want to send your child to college: what type of college, for how long, and what expenses are you willing to cover? Setting specific financial goals is vital to realistically planning to meet these goals.
M - Measurability. Properly setting financial goals means setting a goal you can actively measure. This ties into specificity, but also means it is something that you can routinely go back check to ensure that your original targets are still suitable for achieving the goal in the desired time frame. Being able to accurately measure your goals is essential for creating a viable plan for accomplishing them.
A - Achievability. When setting financial goals, it is important to set ones that are realistic and achievable. Achievability is relative, what may be a realistic goal for a multimillionaire probably is not realistic for a shop clerk making minimum wage. Both of these people can - and should - set financial goals, but what each can achieve is radically different based on their circumstances.
R - Rewarding. Your financial goals should reflect things that you sincerely want, that is, a good financial goal should be its own reward. The time and resources expended to accomplish serious long-term goals demand that you really want them. If you do not, it will be next to impossible to maintain the discipline required to actually achieve them. Achieving your financial goal should be its own reward.
T - Traceability. You should be able to effectively trace the path to achieving a good financial goal. Beyond simply measuring what is required, your have to be able to trace a course of action that steadily moves you closer to success. Tracing your path to success, and reassessing this path regularly, will ensure that you are still on target. Or, if not, will at least highlight that it is time to take corrective measures.
The SMART principle, described above, is a nifty little associative device that can help with setting financial goals. Any financial goal model that does not meet these requirements is probably a bad idea and should be reconsidered.
制定目标看似一件简单的事情，每个人都有过制定目标的经历，但是如果上升到技术的层面，必须学习并掌握SMART原则。
所谓SMART原则，SMART是5个英文单词首字母的缩写：S 就是 specific ：意思是设定绩效考核目标的时候，一定要具体——也就是目标的法则。
M 就是 measurable ：就是目标要可衡量，要量化。
A 就是 attainable ： 即设定的目标要高，有挑战性，但是一定要是可达成的。
R 就是 relevant ： 设定的目标要和该岗位的工作职责相关联。
T 就是 time-based ： 对设定的目标，要规定什么时间内达成。
特别注明：有的又如此解释此原则
——S代表具体(Specific)，指绩效考核要切中特定的工作指标，不能笼统；
——M代表可度量(Measurable)，指绩效指标是数量化或者行为化的，验证这些绩效指标的数据或者信息是可以获得的；
——A代表可实现(Attainable)，指绩效指标在付出努力的情况下可以实现，避免设立过高或过低的目标；
——R代表现实性(Realistic)，指绩效指标是实实在在的，可以证明和观察；
——T代表有时限(Time bound)，注重完成绩效指标的特定期限
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