Iimali zomhla ojoliswe kuzo ziwenza umsebenzi wokutyalo-mali ngokudala isabelo sempahla efanelekileyo yobudala kunye nokulawulwa okuqhubekayo ngemali ephantsi. Ukuba unesicwangciso sama-401 (k), kwisicwangciso sakho ungabona i-target target date enikezelwa yiinkampani ezingezantsi. Zonke zikhethi zizinzile ozenzayo.
Ukuba ukhetha isikhwama sakho somhla wokujolisa, tyelela iiwebhusayithi ngaphantsi uze uqhathanise iirhafu, ukhululo onokufumana ulwazi kwiiwebhsayithi zazo, kwaye ubize umnxeba wenkonzo yabathengi ukuze ubone ukuba unomuvo wokuba unika izinga lokuphendula nwabile.
01 T. Rowe Price
I-T. Rowe Intengo inomxholo wokuzonwabisa onxibelelwano oluxhamlayo olusinceda ukuba ufumane isikhwama somhla ojoliswe kuzo, ukususela kumhla wokuthatha umhlala-phantsi we-2005 ukuya ku-2060. Inkxaso yabo ye-"Retirement 2025" inexabiso lonyaka .69% (nje ngaphantsi kwe-1%).
UT. Rowe Price uthi:
Ingaba utyalo-mali wokuthatha umhlalaphantsi okanye uhlala emhlalaphantsi, kubalulekile ukugcina ukwabiwa kwempahla yeempahla kunye nezibophelelo.
02 Vanguard
Unokukhangela kwi-Vanguard Day Target funds ngeminyaka okanye ngeminyaka ukuya kumhlalaphantsi. Ngokomzekelo, abo bangoku phakathi kweminyaka engama-59 no-63 (ngo-2016) bacebisa imali yabo ye-2020, eneendleko zonyaka .14%.
I-Vanguard iyaziwa ukuba inezinye zeemali eziphantsi kwi-shishini; iindleko zonyaka kwiimali zabo zi malunga nesine-yesine kwindleko yoshishino.
Kwimeko yabo imali ephantsi ayithethi umgangatho ophantsi. Nantsi into abayithethayo ngemali yosuku lokujolisa:
- Ukugcinwa komhlala-phantsi okhethekileyo kwenziwe lula.
- Ngokubanzi ngokubanzi. Iimali ezixhomekeke kwiingxowa-mali ezi-6,000 kunye ne-US kunye nezibophelelo kunye nama-2,000 kunye nama-stocks angamazwe ngamazwe ukunceda ukusasaza ingozi.
- Lawulwa ngawe. Kancinci ube yinto ekhuselekileyo njengoko unyaka wakho wokuthatha umhlalaphantsi ufikelela-ukunciphisa ingozi ngokuzenzekelayo.
03 Inkululeko yoBulungisa
IiNkcazo zeNkululeko zeNkululeko zijoliswe kumhla ekujoliswe kuwo ukususela ngo-2015 ukuya ku-2055. Bachaza imali yabo engama-2025 njengoko kulungele umntu oceba ukuhlala phantsi kwiminyaka embalwa ka-2025. Unesilinganiselo semali .23% (ngaphantsi kwe-1%).
Ukunyaniseka kuthi:
Iimali zeFidelity Freedom, ezibizwa ngokuba yimali yosuku olujoliswe kuyo, zikhokelo zentengiso-esisodwa ezinokukunceda ukuthabatha umsebenzi wokwakha kunye nokugcina i-portfolio yomhlalaphantsi.
04 Schwab
I-Schwab Target Funds zijolise kumhla ekujoliswe kuyo ukususela ngo-2010 ukuya ku-2055. Bachaza imali yabo engama-2025 njengoko kufanelekile umntu oceba ukuthatha umhlalaphantsi phakathi ko-2023 no-2027. Unesilinganiselo semali ye -65% (ngaphantsi kwe-1%).
Schwab uthi:
Iimali zilawulwa ngokusemthethweni ngokumalunga nomhla ojoliswe kuwo wokuthatha umhlalaphantsi. Iinjongo nganye zijoliswe kwiinjongo zayo zokutshala kwaye zilungelelanisa ngokuzenzekelayo ukwabiwa kweefa ukuze zihlangabezane neemfuno zakho zemali eziguquguqukayo ngokuhamba kwesikhathi. Iimali zakhiwe ngokulindela ukuba uya kuqala ukuhoxiswa kweempahla zeengxowa-mali kwixesha ekujoliswe kuyo, ukuqala ukuhlanganisa iindleko zomhlalaphantsi.