Yiyiphi i-Date Target Fund
Ingxowa yosuku olujoliswe kuyo lunegama lekhalenda egameni le-fund, njenge-Date Target Fund 2020, i-Date Target Fund 2030, i-Date Target Fund 2040, njalo njalo.
Utyalo-mali phakathi kwesikhwama somhla ojoliswe kuzo lukwazi ukuhlangabezana neemfuno zomntu oceba ukuhlala phantsi kwonyaka wekhalenda ovela egameni le-fund. Utyalo-mali luya kutshintshwa ukwenzela ukuba njengoko usondela kumhla wokujoliswa komhlalaphantsi, utyalomali ngokubanzi ngokufanelekileyo.
Isizathu sokuba Ufanele usebenzise iNgxowa-mali yeThagethi
Imali yomhla wokujoliswa yenzelwe ukunikezela ngokuthenga enye. Okokuqala, ukhetha isikhwama esinomhla ojoliswe kuwo ophelileyo unyaka apho ucinga ukuba uya kuthabatha umhlalaphantsi.
Emva koko ubeka yonke imali yakho kule ngxowa kwaye unokwenza ngokuqinisekileyo ngenxa yokuba ingxowa-mali ayikho enye imali-mali-endaweni yoko, inayo imali eninzi ebeka ndawonye ngendlela ethile. Yenzelwe ukwakha iphothifoliyo eyahlukeneyo kuwe, kwaye i-fund yenza ngokuzenzekelayo utshintsho kwi- asethi yakho yesabelo ukuze utyalomali ngakumbi ngokusondeza umhlalaphantsi.
Abantu abaSebenzisanga ngokufanelekileyo Iimali zeThagethi
Iimali zomhla wokujoliswa zikhethwa ngokukhethekileyo ukufumana ulawulo lwezemali zengcali ngeendleko eziphantsi kakhulu. Ngelishwa ininzi i-401 (k) isicwangciso sabathathi-nxaxheba abayiqondi i-date target target funds.
Olunye uphando xa ama-401 (k) abathathi-nxaxheba bebuzwa, "Ngaba ufuna enye imali-mali ngemali yosuku olujoliswe kuyo?" 75% yabaphendulayo bathi ewe.
Oku akunjalo. Iimali zomhla ojoliswe kuzo zichonge imali yakho ngaphandle kweeklasi ezahlukeneyo zeempahla eziqhelekileyo, ngokuqhelekileyo ngokufumana ezinye iimali. Nangona enye ingxowa-mali, inikezela zonke iintlobo ezahlukahlukeneyo umntu ophakathi.
Inzuzo yesikhwama somhla ojoliswe kuyo
Ubuncedo bokusebenzisa isikhwama somhla wokujoliswa kuko kukuthi akufanele ukhethe imali ehlukeneyo e-10 kwindawo efanelekileyo; i-fund yenza lokhu kuwe. Kwaye i-investments iyonyulwa ukuba inikezele ukuba kubekho umphumo omhle kumntu ohlala phantsi kwonyaka wekhalenda egameni le-fund.
Uninzi lwama-401 (k) uceba ngoku unikezela inketho yesikhwama somhla ojoliswe kuyo, kodwa ukuba awunayo i-401 (k) ungasasebenzisa isibonelelo somhla wokujolisa, kuquka ukukhethwa kwelinye uluhlu lwamaqela esikhwama ekujoliswe kuyo .
Amashishini kunye nabaTyalo-mali beSolo
NgokukaJames Gambaccini, umcwangcisi wezemali oqinisekisiweyo kunye nolawulo lomlingani we-Acorn Financial Services, "Iimali zeemali-mboleko zilula kakhulu ukujamelana nokubhalisa ngokuzenzekelayo kumqeshi, kubancedise ukuba bancedise indima yabo yokuzimela." Ukongezelela, "Baya kunika iipotifoliyo ezahlukileyo kakhulu kumsebenzi ombalwa kangangoko kunokwenzeka kumqeshwa," watsho.
I-Sterling D. Neblett, i-CFP, umlingani osungulayo we-Centurion Wealth Management uthi i-target-date funds liyinkokhelo enkulu kumtyalo-zimali ofuna ukubeka iiphothifoliyo zabo ngokuzenzekelayo ngokuzenzekelayo ngokuzenzekelayo kwaye ziphinde zenziwe njengendawo yokuthatha umhlala-phantsi.
"Ndiya kugxininisa ngokucacileyo ukuba i-fund target-date fund ingenza umsebenzi ongcono kakhulu onxulumene neenjongo zomtyalo kunokuba umtyalo-mali uza kwenza ngokwabo," utshilo uNeblett.