Indlela yokuTyala ngeNdidi eziPhezulu zeMali eziManyeneyo kwiminyaka yakho ephakathi
Ngokuqinisekileyo, oko kukuncinci, kodwa akukho nto engakumbi yokwenza utyalo-mali lwangexesha elide kunokuba unamathele kwiinkqubo zokulondoloza ixesha kunye notyalo-mali.
Kutheni i-Mutual Funds iLungile kwi-Investorors kwiminyaka yabo ephakathi
Xa abantu befikelela kwiminyaka engama-30, baye baqala ukutshala imali okanye bacinga ngokucokisekileyo.
Nangona kungekho ubukhulu bomntu-bufane neqhinga lotyalo-mali kubantu abaneminyaka engama-30 no-40, akungabazeki ukuba iimali zobudlelwane ngabanye ziintlobo ezifanelekileyo zokutsalwa kwezinto ezikhuselekileyo kuzo zonke iintlobo zokusebenzisa amandla kunye nokungafani kwemali .
Nazi ezinye zezizathu zokubambisana kweemali ezifanelekileyo ukuba abantu baqale ukufumana ingqalelo ngokumalunga nokutyalomali.
- Ukulula : Akunjalo ukuba abantu abaneminyaka engama-30 no-40 abanakukwazi ukuphatha iingcamango ezinzima zemali, kukuba abatshali-mali abaninzi kwiminyaka yabo ephakathi abaqhelekanga amaqanda amakhulu okanye iimfuno ezinzima zemali.
- Ukuchithwa kwemali: Njengoko iimali zengxowa-mali ziphethe amaninzi okanye amakhulu emininzi, njengamasheya kunye / okanye iibhondi, abatyali-mali bangaqalisa ngesikhwama esisodwa okanye bakhe iipotifoliyo ngemali emininzi.
- Ukufikeleleka : Kukho imali encinci okanye izakhono zezezimali eziyimfuneko ukuthenga iimali. Enyanisweni, kukho iindleko eziphantsi kweendleko zokuqalisa ukutyalomali nge-$ 100 kuphela kwaye le mali ayifuni umthengisi okanye umcebisi ukuba athenge. Into efunekayo ukutyalomali kwiimali zentengiso yintlawulo encinane kunye nemizuzu embalwa ukuvula i-akhawunti.
Kodwa iimali zetyala azihlali nje ngabantu abaqala ukufumana ingqalelo ngokumalunga nokutshala imali. Zisetyenziswe ngabaphathi bezemali abaqeqeshiweyo kunye nabarhwebi beengcali emhlabeni jikelele.
Iintlobo zeeNgxowa-mali ezilungileyo kakhulu kubaTyalo-mali kwi-30s kunye no-40
Abantu abaneminyaka engama-30 no-40 basenokuba ne-20 okanye-30 kwiminyaka ngaphambi kokuba bafikelele kwiinjongo ezinkulu zemali ezifana nomhlalaphantsi. Ngoko ke abatyalomali abaneminyaka emibini baphakathi batyali-mali bexesha elide. Nangona bonke abatyali-mali kufuneka baqaphele iinjongo zabo zokutshala kunye nokunyamezela ingozi , nangona unako ukude ufune imali yakho, unokutshala ngokugqithiseleyo.
Nazi ezinye iintlobo zeengxowa-mali eziphakathi kootyalo-mali abaneminyaka eliphakathi.
- Umhla wokujoliswa kweeNgxowa-mali eziMali : njengoko igama libonisa, i-Target-Date Mutual Funds inotyale ukuxuba kwamasitokethi, iibhonksi kunye nemali efanelekileyo ukuba umntu atyalwe de kube ngumnyaka othile. Njengoko umhla ojoliswe kuwo ufikelele, umphathi wezezimali uza kuncipha ingcipheko yemakethe ngokutshintsha impahla kwi-stocks kunye nakumabhonkco kunye nemali, nto leyo umtyalomali ngamnye ozenzayo ngokwabo. Ngoko ke, i-targeted-date-funds funds are "yeka kwaye uyibale" utsalo-mali. Ngokomzekelo, ukuba uyasindisa umhlalaphantsi kwaye ucinga ukuba ungasusa umhlala-phantsi malunga nomnyaka we-2035, ukukhetha okulungileyo ukuba ube nguVanguard Target Retirement 2035 (VTTHX). Emva koko unokuphelisa uphando lwakho, wongeza ngexesha elongezelelweyo imali entsha kwi-fund, kwaye ujonge iqela lakho linyama likhula njengoko uqhubeka ngokuphila ubomi bakho!
- Iingxowa-mali ezilinganayo : Ebizwa ngokuba yi- hybrid funds okanye i-aseset allocation funds, ezi zi-mali ezidibeneyo ezityala kwi-equity allocation allocation of stocks, bonds and cash. Ulwabiwo oluhlala luhlala luhleli kwaye lugxotha ngokutsho kweinjongo okanye utshilo olukhankanyiweyo. Ngokomzekelo, iFundelity Balanced Fund (i-FBALX) inokwabiwa kwempahla yee-asethi ezingama-65, iibhonti ezingama-30 kunye neepesenti ezingama-5 zemali. Oku kubonwa njengengozi ephakathi okanye iphothifoliyo ephakathi .
- Iimali zee-Index ze- S & P 500: Imali ye- Index ingaba yindawo enhle yokuqala ukwakha iphothifoliyo yeemali ezixhamlileyo kuba ezininzi zazo zinamaxabiso angaphantsi kakhulu kwaye zinokunika ithuba lokufikelela kwiindawo ezininzi okanye amagumbi esitokisini emele amashishini athile kwisikolo esisodwa. Ngoko ke, unokuhlangabezana nomnqophiso wokuqala wokufumana imali ephantsi-mali, eyahlukeneyo. Ngolunye ulwazi kwiimali zenkcazo, khangela iphepha lethu le- Index Investment FAQ . Kwakhona, iVanguard, i-Fidelity, kunye ne-T. Rowe Price ziinkampani ezinxulumene neengxowa-mali zokuxhasa imali. Unokukhangela kwakhona uCharles Scwhab .
- Iimali zeNkcazo : Kwabo batyali abaneminyaka emibini abanamaqanda aphezulu amakhulu, njengama-100,000 ama-dollar okanye ngaphezulu, iipotifoliyo ezihlukeneyo zingabandakanywa ngeemali ezimbalwa ezahlukeneyo kodwa aba batyali-mali bangacinga ukufaka iimali zecandelo lokuxuba. Njengoko igama libhekisela, iikharityhulam zecandelo zijolise kumacandelo oshishino, njengokhathalelo lwempilo, iteknoloji, okanye iinkonzo. Xa utyalo-mali kumacandelo, kubalulekile ukukhumbuza ukuba ungaboni kakhulu kumacandelo athile. Ngokomzekelo, sebenzisa iimali ezimbini okanye ezintathu zecandelo kwaye wabelane malunga neepesenti ezi-5 zepottoliyo kubo.
Apho abaTyalo-mali bangakwazi ukuthenga i-Mutual Funds
Nabani na utyalomali, becinga ukuba ubuncinane ubuneminyaka engama-18, banokuthenga iimali ezidibeneyo malunga naliphi na inkampani ye-fund okanye iqumrhu lokurhweba elibanika lona. Indawo efanelekileyo yokuthenga imali yomntu ngamnye ofuna ukutshala ngaphandle komcebisi kufuneka asebenzise enye yezona nkampani ezingcono kakhulu ezingenayo umthwalo . Imali "ayikho imithwalo" yilabo abangayihlawulisi iikomishoni, eziyimfuneko kuphela ukuhlawula ukuba usebenzisa umthengisi.
Uya kufuna ukuqwalasela iinkampani zenkxaso-mali ezibandakanya iintlobo ezahlukeneyo zeengxowa-mali kunye neentlobo kuba uya kufuna ukuqhubeka nokwakha i-portfolio yakho yemali ngenjongo yezohlukeneyo . Eminye yeenkampani ezingenanto zengxowa-mali ezingamaphepha ziquka i- Vanguard Investments , i- Trust and T.Rowe Price .
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.