Ezi Ziyindlela Eyona Impawu Eyona Ntle Imali Yemali Yokubambisana Ngama-401 (k) Izicwangciso
Iimali eziPhambili zeMali eziManyeneyo ezingama-401 (k) Izicwangciso ezivela kwiNgqwalasela yomqeshi
Ngona buncinci, abaqeshi kufuneka banikele ubuncinane ubuncinane beentlobo ezikhethiweyo ze-401 (k) abathathi-nxaxheba: ukhetho lokutshala imali, ukukhethwa kwebhondi, kunye nenkokhelo yexabiso okanye isigxina.
Kodwa kukho abambalwa abaqeshi ababonelela ngezona zinto ezisiseko. Uninzi lwama-401 (k) izicwangciso zinikela ngeendlela ezahlukeneyo zokutshala imali, ngokuqhelekileyo ukuxhaswa kwemali.
Xa umqeshi eqala inkqubo yokhetho lokukhetha utyalo-mali kwi-401 (k) icebo, kufuneka bafake isitya sabo sokugcina. I-fiduciary, ecacile, ngumntu onomthwalo wemfanelo wokusemthethweni ukuba enze ngendlela eyenza umdla wabanye kuqala phambi kwabo. Ngoko ke kuqikelele ukubonelela ngeemali ezidibeneyo ezivela kwiindidi ezahlukeneyo .
Nantsi umzekelo weentlobo zeemali ezibandakanya kwisicwangciso se-401 (k), kunye nencazelo emfutshane:
- I-S & P 500 Inkcazo yeNgxowa-mali : Inkxaso-mali yexabiso eliphantsi elithatha imali kwi-stock-stocks enkulu "ibambelele" kunye nokwakha iphothifoliyo. Gcina ukhumbule ukuba akukho mfuneko yokongeza ezinye iimali ezinkulu ze-stock stock, ngaphandle koko unika amandla aba-401 (k) abathathi-nxaxheba ukuba batyale imali kwiimali ezidibeneyo kunye neenjongo ezifanayo, ezibizwa ngokuba yingxowa-mali . Ukutshala imali kwimali efanayo
- Imali yeNgxowa-mali yamazwe angaphandle : Akukho mfuneko yeso sikhwama esingaphezulu kwesinye semali. Gcina ukhumbule ukuba "iifowuni zeempahla zehlabathi" okanye "iifowuni zentengiso yehlabathi" zingatyala kwiimpahla ze-US. Kodwa iimali zengxowa-mali zangaphandle zangaphandle ziya kutyalomla ubuncinane ubuncinane be-80% yeengxowa zeengxowa-mali kwi-stocks zeenkampani ezingaphandle kweStock World stock kunye nesitokethi sehlabathi jikelele kunokufumana ngaphezulu kweyesithathu kweempahla e-US Kananjalo, oku kungakhokelela ekugqibeleni. Gcinana nesitoko sangaphandle!
- I-Small-Cap Stock Fund : Ukuba ufuna ukunikela (okanye utyalomali) inketho yesikhwama sokuthenga imali, ukhetho olufanelekileyo olunokumncoma i-S & P 500 yengxowa-mali yesikhwama se-stock cap. Amasheya amancinci amancinci avelise ngokuphindaphindiweyo ukubuyiswa kwexesha elide kunezitokisi ezinkulu. Kodwa inxalenye yabo yokukhanga ngo-401 (k) izicwangciso kukuba abanakho ukulungelelaniswa okuphezulu kwi-S & P 500, oku kuthetha ukuba banokuyongeza ukuhlukahluka kwipotfoliyo.
- I-Index ye-Bond ye-Bond ye-Bond ye-Bond : Ufunwa kuphela ngxowa-mali efanelekileyo ye-bond kunye ne-index ye-bond bond.
- Iimali zeMarike zeMali : I-Cash ingaba yinxalenye yeepotifoliyo eyahlukeneyo. Kwaye abanye abangama-401 (k) abathathi-nxaxheba bafuna ukuxhamla umdlalo womqeshi kodwa bayatshwenyeka ukutshala imali kwiimpahla okanye kwiibhondi. Ngoko ke i-fund yemali yemarike okanye i- fund value value isayimfuneko kwi-401 (k) icebo.
- Amanqaku e-Target Date Retirement Funds : Kwiminyaka yakutshanje, iinjongo zemali yomhlala-phantsi ziba yi-401 (k) izicwangciso. Njengoko igama libonisa ukuba, le mali ivumela abaotyali ukuba bakhethe umhla ojoliswe kuyo (unyaka wekhalenda) osondeleyo kumhla wokuthatha umhlalaphantsi oyifunayo kwaye banike i-100% yabo 401 (k) iidola kuye. Ngokomzekelo, ukuba i-401 (k) inxaxheba kulindeleke ukuba ithathe umhlala-phantsi malunga nonyaka we-2035, ingaba i-100% yawo 401 (k) iminikelo ekujoliswe kuyo ngomhla wokuthatha umhlala-phantsi 2035 kwaye ungakhathazeki malunga naluphina ulawulo oluqhubekayo. Le mali iyakwenza i-"default" imali ye-401 (k) abathathi-nxaxheba abangafuni ukhetho lwabo lokukhetha imali. Ukubonelela uluhlu lwemihla ekujoliswe kuyo, kwaye kuxhomekeka kwiminyaka yokubala yabasebenzi, ubuninzi bama-401 (k) amacebo kufuneka anike uluhlu lwemihla yokuthatha umhlalaphantsi ekujoliswe kuyo ukusuka ngo-2020 ukuya ku-2050 kunye neminyaka emashumi phakathi.
Iimali ezimbi kunazo zonke ezingama-401 (k) Izicwangciso
Ngamanye amaxesha ukhetho olufanelekileyo luyakuphepha ukukhetha okungakumbi. Njengengqungquthela, abaqeshi bazilumko ukuphepha ukubeka imali kwi-401 (k) isicwangciso esinokuthi sinciphise kakhulu kwixabiso ngelixesha elifutshane.
Yaye ukuba ungumqeshwa kwaye i-401 (k) isicwangciso sichaza ezinye zezi zikhetho, qhubeka uqaphele!
- Iimakethe eziPhakamileyo : Ezi ziindawo ezinobungozi ezingaphezulu kwamazwe angaphandle. Bangakwazi ukufumana i-short-term gain but they can also have great short-term losses. Qinisekisa kwi-stock stock fund! Kodwa ukuba utyalo-mali kwiimalike zeemarike ezikhulayo, qi niqiniseke ukuba uyawuncoma nge-fund yangaphandle yesigxina kunye nokugcina ukufikelela kwakho ngaphandle kwama-20% okanye ngaphantsi.
- Iimali zeCandelo : Nangona iimali zecandelo zingasetyenziswa ngokuhlakanipha kwiipotifoliyo ezihlukeneyo, azihlali zikhethiweyo ngokufanelekileyo kwi-401 (k) izicwangciso. Ukususela kumbono / umgcini-mbono, ukongezwa kwengxowa yecandelo kwi-401 (k) isicwangciso sinokuba sisigqibo esifanelekileyo sesigqibo. Kuthiwani ukuba i-401 (k) isicwangciso sakho sinikezela ngengxowa-mali yecandelo letheknoloji eyayinomnyaka omkhulu kunye nokubuyela kwe-50%, ikhupha zonke ezinye iintlobo zotyalo-mali. U-401 (k) uthatha inxaxheba uthatha isigqibo sokumisela u-100% wobomi babo kwi- fund sector . Unyaka ozayo, unyaka ngaphambi kokuba bekulindele ukuba bathathe umhlalaphantsi, icandelo lezobuchwepheshe liwela ngo-50%, kwaye ngokunjalo ixabiso leakhawunti ye-participant. Ngaba sifuna ukuthetha ngaphezulu?
- Iimali zeeBond zeNtlawulo eziPhakamileyo (i-Junk) : Olu hlobo lweemali ezifanayo lufana nezinye iindidi zeengxowa-mali eziphezulu. Iimali ezivunyiweyo eziphezulu, ezibizwa ngokuba yi-bond bond, zingenza kakuhle xa imeko yezoqoqosho ilungile. Kodwa le mali ingaba nexesha lokunciphisa ngokugqithiseleyo, kufana nesigxina se-stock fund. Ukusuka kumbono womqeshi / umgaqo-mboleko, awufuni ukunikela ngekhredithi ye-bond-high-yield kwi-401 (k) abathathi-nxaxheba kuba ubuninzi beengxowa-mali zebhondi "zikhuselekile." Kwiminyaka embi, iimali ezibophelelweyo zengxowa-mali ziyancipha kwixabiso ngelixa li-30%, kanti i-index ye-bond index ingabincika ngo-5% okanye i-10%.
Ukufingqa, injongo yabaqeshi kunye nabasebenzi ngokufanayo ukwenza umsebenzi omhle wokungafani kwempahla yokugcina umhlala-phantsi. Khumbula ukuba ukubuyiswa kwengxowa-mali ethile yinto ebaluleke ngaphezu kweempawu zayo.
Ngolunye ulwazi malunga neengcinga ezihlukeneyo zezobuchule, jonga iqaku lethu malunga nendlela yokwakha i-Portfolio ye-Mutual Funds .
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.