Indlela yokuTyala imali Xa uhlala kwi-20s kunye ne-30s yakho
Kule nqaku, siza kuchaza ukuba kutheni iimali zengxowa-mali zingaba yindlela efanelekileyo yokutshala imali yabaselula kunye nokuqala abatyala-mali, kwaye ngokukodwa imali edibeneyo yabasomali kwi-20s kunye no-30.
Kutheni i-Mutual Funds iLungcono kubaTshali-mali abaselula
Nazi izizathu eziphambili zokuba iimali zengxowa-mali zilungele ulutsha kwaye ziqale abatyalo-mali:
- Ukulula : Akunjalo ukuba abantu abancinci abakwazi ukujongana neengcamango zemali eziyinkimbinkimbi, kukuba abatshali-mali abaninzi kwi-20s kunye ne-30s abanalo iimfuno ezixakekayo zemali. Kwaye ngenxa yokuba iimali ezifanayo zilula ukuphanda nokuthenga, zenza ukhetho olufanelekileyo kubatyalimi abatsha.
- Ukuchithwa kwemali: Njengoko iimali zentengiso zibaninzi okanye amaninzi ezinye iziqinisekiso, ezifana nezitokisi kunye / okanye iibhondi, utyalo-mali omtsha unokuqalisa kwaye enze kakuhle ngemali enye okanye ezimbini.
- 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 yinto encinci kunye nexesha elifutshane lokuvula i-akhawunti.
Kodwa iimali zengxowa-mali azibandakanyi nje kubaqalayo okanye abantu abatsha. Zisetyenziswe ngabaphathi bezemali abaqeqeshiweyo kunye nabarhwebi beengcali emhlabeni jikelele.
Iintlobo zeeNgxowa-mali ezilungileyo kakhulu kubaTyalo-mali kwi-20s kunye ne-30
Ukucinga ukuba abatshali-mali abatsha bayasindisa injongo yexesha elide, ezifana nokuthatha umhlalaphantsi, mhlawumbi ixesha elide lifikelela kwiminyaka engama-30 okanye ngaphezulu.
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 abacebisi abatsha abasisilumko ukucinga ngazo:
- Usuku olujoliswe kuyo Iimali zeMali eziManyeneyo : Njengoko igama libonisa, i-Target-Date Mutual Funds inotyale ukudibanisa iitoksi, 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 ungathatha umhlala-phantsi malunga nonyaka wama-2045, ukukhetha okulungileyo ukuba ube ngu-Vanguard Target Retirement 2045 (VTIVX). Emva koko unokuphelisa uphando lwakho, wongeza ngexesha elongezelelweyo imali entsha kwi-fund, kwaye ujonge iqela lakho linyama likhula njengoko uqhubeka ngokuphila ubomi bakho! Yibeke kwaye uyibale!
- 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 (iFBALX) ine-asethi yesabelo se-65%, iibhondi ezingama-30 kunye ne-5% yemali. 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 zenkxaso-mali. Unokukhangela kwakhona uCharles Scwhab .
Apho abatshali-mali abatsha banokuthenga 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 ezixhaswa ngemali kunye neendidi ezahlukeneyo zeengxowa-mali kunye neentlobo kuba uya kufuna ukuqhubeka nokwakha iipotifoliyo zengxowa-mali yokudibanisa . 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.