Ngaba Ufanele Utyalole kwiiNgxowa-mali zokuThola umhlala-phantsi?
Ngaba awuqinisekanga malunga nokwabiwa kweefa ezifanelekileyo ukufikelela kwiinjongo zakho? Ngaba uzive ukhululekile ngamawaka ngamawaka ezinketho zokutshala imali? Ungathenga iimali ezihlangeneyo, iimali ezivaliweyo , kunye / okanye ii-ETF , kodwa yiziphi iintlobo zeengxowa ezifanelekileyo? Iimali zokubambisana zenziwa ngokukhawuleza ukukunceda wenze ezi zigqibo kwaye ekugqibeleni wenze lula ubomi bakho.
Kodwa ngaba kunjalo na?
Ziziphi iIgethi-Ixesha leMali?
Iingxowa-mali zexesha elijoliswe kuyo zidlalwa ukuba "zibeke kwaye zilibale" iimali. Umzekelo, ukuba uceba ukuhlala phantsi kwiminyaka engama-20, unokuthenga i-fund-date fund efana nexesha lakho-oko kukuthi, ekujoliswe kuyo iminyaka engama-20. Njengoko usondela kumhla wakho wokuthatha umhlalaphantsi, i-fund ihambisa isabelo sayo kwiingxowa-mali ezongezelelweyo zokugcina imali (ukubambisa iintlawulo kunye nekheshi) kwaye kude ne-investments fund (imali ephathekayo). Njengoko inkolelo ihamba, faka utyalo-mali kwingxowa-mali kwaye uyalibale - vumela i-fund yenza yonke imisebenzi.
Ukufakwa kwakhona kwixesha elimiselweyo lokubonisa ukunyamezela ukutshutshiswa komngcipheko kuyaziwa ngokuba yi-glide ye-glide path path. Umzila we-glide ubeka ukwabiwa kweengxowa-mali phakathi kweeklasi ezahlukeneyo ngokwexesha, ukulungelelanisa ukuxutywa kweengxowa-mali ezitshatyalalisayo kusenokwenzeka ebusweni benkxaso-mali ukuya kutyalo-mali olongezelelayo njengoko i-fund ikhula kwaye abatyali-mali bayayifaka injongo yabo.
Iimali-Umhla weThagethi-Ukhetho oludumile lokuTyala kwiiprojethi zokuhlala
Ukufunda ngasekupheleni kuka-2008 nguDeitte ne- Investment Company Institute babonise ukuba i-72% yezicwangciso zegalelo ezichaziweyo (umz. Ukuthandwa kweengxowa-mali ezijoliswe ekujoliswe kuyo bekugqitywe nguMthetho woKhuselo lwePensheni owasayinwa nguMongameli uBush ngo-2006.
Njengengxenye yoMthetho, iimali ezijoliswe kumhla zaba "yinto ekhethiweyo" ye-401 (k) izicwangciso ezinobunini bokubhalisa ngokuzenzekelayo. Ngamanye amagama, abanye abasebenzi babhalise ngokuzenzekelayo kwi-401 (k) izicwangciso kunye negalelo labo ngokuzenzekelayo batyaliwe kwisikhwama somhla wokujoliswa, njengalo okanye cha.
Iingenelo zeeKharkethi-Date Date
Iimali zexesha elijoliswe kuzo ziyakunceda xa unesifo sexesha okanye ungafuni ukujongana nokwenza izigqibo eziqhubekayo zotyalo-mali. Uncedo oluninzi lweengxowa-mali ezikujoliswe kuzo zibandakanya:
- Utyalo-mali obuncinci , ukuvumela ukungafani ngokukhawuleza phakathi kweeklasi ezahlukeneyo zeempahla (amanani, amabhonkc, njl)
- Iipotifoliyo eziphathekayo eziphathekayo , ukunikela utyalo-mali ongenasiphelo
- Ukugcinwa okuphantsi , njengoko iimali zenziwe njenge-size-size-all solution
Iingxaki zeThagethi-Date Date
Nangona kukho iingenelo zeemali-mali-date-date, abatyali-mali kufuneka baqaphele iingozi. Imiba yokuqwalasela ibandakanya:
- Ubungakanani bunye buhambisana konke - Ngaba? Umxube ochanekileyo wotyalo-mali kumntu oyedwa awulungile ukuba wonke umntu.
- Ukulinganiswa kweendleko eziphezulu - Kwezinye iimali ezijoliswe kuyo-mali, kukho umrhumo weengxowa-mali eziphathekayo kunye nolunye uhlawulelo lwemali yokulawula imali.
- Ukungabi noluhlu lweentlobo - Ukuba i-target target-fund ingenisa imali kuphela kwintsapho ethile yengxowa-mali (ukuthembeka, iVanguard, njl. Njl), oku kungakhokelela kwisimboli esifanayo sokutyalomali kwiimali zengxowa-mali.
Izinyathelo ezilandelayo zokukhetha iNgxowa-mali yeThagethi
Ukuba uyathandwa yinkcazelo yokwenza imali elula kunye noqeqesho olujoliswe kwi-target-date funds, isinyathelo esilandelayo kukuphanda ukhetho. Kukho iinjongo ezininzi ezijoliswe ekujoliswe kuyo. Enyanisweni, ababoneleli ngeendleko ezincinci banika ininzi yemali ejoliswe kuyo, kuquka i-T.Rowe Price, Vanguard, kunye ne-Fidelity.