Ziziphi iimali zeMerika eziphambili zokuhlala phantsi kunye no-401 (k) Izicwangciso?
Imali yeMelika yasekhaya yaseMelika yeemali ezihlangeneyo, ezinikezelwa yiQela eliPhezulu, liyesithathu elona likhulu kwihlabathi, emva kweemali ezinkulu ze-fund, iVanguard kunye ne-Fidelity, njengoko zilinganiswa yimpahla phantsi kolawulo.
Ubukho babo obukhulu kwi-401 (k) amacebo e-US yinxalenye enkulu yale mpu melelo.
Ngoko ke, nokuba ungumqeshi, umcebisi-mali okanye umqeshwa ofuna ukukhetha imali engcono kakhulu kwisicwangciso somhlala-phantsi oxhaswe ngumqeshi, uya kufuna ukujonga iimali ezilungileyo zeMelika zokuthenga i-401 (k) izicwangciso .
Kutheni ama-American Funds asebenza kakuhle kwi-401 (k) Izicwangciso
Iimali zaseMelika zenza i-401 ekhethekileyo (k) ikhefu lokuthatha umhlala-phantsi ngenxa yokuba idala indawo yokuphumelela, oko kukuthi iindibano ezintathu ezibandakanyekayo - umqeshi, umcebisi-mali kunye nomqeshwa ochaphazelekayo kwisicwangciso - kuya kuzuza ku se benzisa.
Umdla womqeshi ekuboneleleni okungcono 401 (k) isicwangciso esinokwenzeka kukuba ngowona ukhuphiswano. Ukuba ufuna ukuqesha abasebenzi abalungileyo, kuya kufuneka ufumane izibonelelo ezilungileyo. Ewe, abasebenzi bafuna ukubonelela ngeenkampani ezifanayo kodwa bafuna ukubona ikhefu lokukhetha ukutsalwa kwezakhono zokuphakanyiswa okuphezulu.
Abaqeshi banobulumko ukuquka ukhetho olukhethiweyo lweemali eziphambili zexabiso eliphantsi kwee-401 (k) izicwangciso abazinikezelayo ngenxa yokunyanzela umsebenzi wabo ekujongeni ukufunwa ngabasebenzi babo. Ngamazwi ahlukeneyo, abaqeshi banomthwalo wemfanelo wokusemthethweni ukuba banike umgangatho, ukhetho lokutsalwa kwexesha ngexesha labo 401 (k) izicwangciso.
Abacebisi bezocetyiswa ngabasetyhini bayazi ukuba kufuneka bacebise iimali ezifanelekileyo ezifanelekileyo ezifanelekileyo kubaxhasi-mali bexesha elide kuba nabo banomthwalo wemfanelo wokubeka iimfuno zakwa-401 (k) abathathi-nxaxheba phambi kwabo. Kodwa ukucetyiswa kwemali esemgangathweni kunye nokuhlawulwa kakuhle ukwenza oko kunokuba ngumngeni. Yilapho imali yaseMelika idlala kubacebisi.
Kutheni abaPhuphisayo befuna ukusebenzisa iiMali eziMnandi zaseMerika zokuhlala phantsi
I-Stock brokers kunye nezinye iintlobo zabacebisi ezihlawulwa yikhomishana efana nokusebenzisa imali yaseMelika ngenxa yokuhlukana kwabo babini beemali zentsebenziswano kunye nemilinganiselo engaphantsi kwemilinganiselo yexesha elide, ngelixa liqhubeka linika indlela yokuhlawula iikhomishini okanye zithuthi kwi-broker.
Abacebisi abaxhomekeke kumishishini abasetyenzisiweyo abasebenzisi iVanguard okanye i-Fidelity kuba ziyiyo-mali engekho mthwalo; ngelixa iimali zaseMerika zihlawulisa iintlawulo okanye i- 12b-1 iimali eziya kuhlawula umthengisi.
Isishwankathelo, abadayisi bathanda iimali zaseMerika ngenxa yokukwazi kwabo ukunika umgangatho ophezulu ngeendleko eziphantsi ngelixa befumana ikhomishina okanye bakhawule.
Ama-Amasheya aseMerika R Ukwabelana: 'R' Ngaba ngumhlalaphantsi
Ininzi yesabelo seklasi zeemali zaseMelika kwiimarike ziba yiA share (umthwalo wangaphambili) okanye izabelo ze-B (umthwalo okanye umrhumo wokuthengisa olandelwayo).
Kodwa imithwalo ayisebenzi ku-401 (k) iiplani ngenxa yeengxaki zokulawula kunye neendleko (cinga imithwalo ehlawuliswayo yonke into yokuthenga okanye rhoqo xa abathathi-nxaxheba benza utshintsho).
Ukufumana umngeni wenkokhelo yentlawulo kwi-401 (k) izicwangciso, abadayisi bangasebenzisa izabelo zeR ezizicwangciso zomhlala-phantsi njenge-401 (k). R yabelana ngemali yaseMelika ayinayo imithwalo yangaphambili yomthwalo okanye umthwalo wokuthengisa umthwalo we-back load kodwa ininzi yabo ihlawula umrhumo we-12b-1, ukuya kumda wezomthetho we-1,00 pesenti.
Ekubeni iindleko ziyinxalenye ebalulekileyo ekubuyiseni kwexesha elide (zonke ezinye izinto zilingana, iindleko eziphezulu ziphumela kwimbuyekezo engaphantsi), abatyali-mali bahlakaniphile ukuxhomekeka kumaxabiso angabizi-R aphezulu kwiimali zaseMelika.
Iimali eziMnandi zeMelika ezingama-401 (k) Izicwangciso
Nangona u-401 (k) abathathi-nxaxheba abafumani ukuba bakhethe imali edibeneyo yokuya kwi-401 (k) isicwangciso, ngaphandle kokuba zenzeke kwikomidi yotyalo-mali ngamandla okukhetha imali yesicwangciso, basenokukhetha ukuba yiziphi iimali utyalomali phakathi kwalawo anikezelwe kwisicwangciso.
Ngoko ke uluhlu lwemali engcono kakhulu yaseMelika ye-401 (k) iiplani zijoliswe kakhulu kwizigqibo zabenzi (abaqeshi, abaxhasi, nabacebisi); nangona kunjalo ulwazi luncedo nakwi-401 (k) abathathi-nxaxheba. Ngenjongo yokuthelekisa, ndiya kunika iindleko zeklasi yesabelo, edlalwa kakhulu ukuthenga ngaphandle kwe-401 (k) izicwangciso, kunye ne-R share share, engama-R6 amashishini:
- Iimali ze-American Funds Growth Fund yaseMelika: Le ngxowa yesikhwama esikhulu sokwanda kwenkunzi, oku kuthetha ukuba uza kufumaneka kuma-stocks afana ne-Amazon (AMZN) kunye ne-Alphabet (GOOG). Nangona engekho umqhubi ophezulu kwimali yaseMelika, u-Growth Fund waseMelika, ngowona mdala kakhulu kwaye unokwethenjelwa. Izabelo ze-R-6 (i-RGAGX) zineendleko ze-0.33 pesenti kuphela, ezifanisa ne-0.66 pesenti kwiA shares (AGTHX).
- Iimali zeMerika eziMali-zimali eziPhambili: Enye yeemali ezilinganisiweyo eziphezulu kwiimali zeMelika, iNgxowa-mali yeziTyalo-mali eziPhambili ziye zenziwa rhoqo kwiipesenti ezili-10 zeemali kwiqela elikhulu lokuxuba. Kuba abatyalo-mali bafuna ukuphathwa okusebenzayo, oku kwenza i-fund ibe yindlela efanelekileyo kwi-index ye-S & P 500 yengxowa-mali. Izabelo ze-R-6 (RGAGX) zineendleko ze-0.31 ekhulwini, ezifanisa ne-0.61 pesenti kwiA shares (ANCFX).
- Iimali zeMelika iWashington Mutual: Ukuba ukhangele i-fund value-cap value fund ukulinganisela ukukhula nokuxuba imali, iWashington Mutual yinto ekhethekileyo. Imbali ende yenkxaso-mali (ukuqala ngo-07 / 31/1952) kunye nokusebenza okuqhubekayo kwenza i-Washington Mutual ibe ngumhlala-mali wokuthatha umhlala-phantsi. I-R share version (i-RWMGX) inexabiso lentengo ye-0.30 yepesenti kunye ne-A share version ineendleko ze-0.58 ekhulwini.
- Iimali zeMelika I-Smallcap World: Iimali zaseMerika zinomlinganiselo ogqityiweyo weengxowa- mali ezinkulu ezigxininisa kwiimpahla ze-US kodwa ukuba ufuna isikhwama esinobudlova esithatha amasheya amancinci nesikhokelo esiphakathi kuzo zonke ihlabathi, i-Smallcap World fund yona ukhetho. Izabelo ze-R6 (i-RLLGX) zineendleko ze-0.71 pesenti kunye nezindleko ze-A (SMCWX) zi-1.10 ekhulwini.
Uluhlu lwemali yaseMerika luquka ukukhethwa kwamanye amaninzi kodwa ezi zine zikhefu zityalo. Ubuthathaka obunye obukhoyo kunye neemali zaseMelika zikhethiweyo zekhefu. Ukuba i-401 (k) iiplani zinikela ngeengxowa-mali ezilinganisiweyo, ixabiso elibizwa ngokuba yi-American Funds Balanced Portfolio, (BLPAX yeA shares kunye ne-RBAGX kwizabelo ze-R6).
Kwakhona kubalulekile ukuba uqaphele ukuba ezi mali zibonakaliswe zilungileyo kungakhathaliseki ukuba isabelo sigaba. Nangona kunjalo, ixabiso elingaphantsi lixabiso lexabiso libhetele, kwaye khumbula ukuphepha ukuhlawula imithwalo.
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.