Iimali zeNgxowa-mali yomhlalaphantsi zinikezela ukunikezela ukuXhobisa kunye noLawulo loLawulo

by Dana Anspach

Imali yengeniso yeRhafu yomhlala-phantsi inikezela isisombululo esisinye sokufumana ingeniso yenyanga.

Imali yengeniso yeRhafu yomhlalaphantsi ilawulwa ngokusemandleni ukuba ikwazi ukuhlawula imali engenayo yomhlalaphantsi. Banikeza isisombululo esikhulu sokulawula utyalo, kunye nokunikezela ngokuguquguquka (kodwa iziqinisekiso ezingaphantsi) kunokuba zihlawulwe.

Iinkampani ezine zeenkxaso ziphuma kunye neenguqu zabo zengxowa-mali yokufumana umhlalaphantsi: iVanguard, iSwawa, i-Fidelity noJohn Hancock. Iinkcukacha ezongezelelweyo nganye zingezantsi.

Nganye iifowuni ilawula iphothifoliyo yezinye iimali, ukutshintsha ulwabiwo ukuhlangabezana neemfuno ezikhankanywe ngezimali. Akukho nanye yemali enika iziqinisekiso, oku kuthetha ukuba, kufuneka ulindele ukuba imali yakho yentlawulo kunye nexabiso le-asethi liguquke kwixabiso.

IiNgxowa-mali zokuPhathwa eziPhezulu ze-01 Vanguard

I-Vanguard isetyenziselwe ukuba neemali ezintathu ezilungiselelwe ukubonelela ngeniso yenyanga kunye neenjongo zokugcina okanye ukukhulisa utyalo-mali lwakho lwangaphambili, kodwa ngoJanuwari 2014 le mali ihlanganiswe kwingxowa-mali enye ejolise kwizinga lokusabalalisa ngonyaka le-4%. Isimboli sekharaki yefowuni yiVPGDX.

Ukuba uqhelana nolawulo lwe-4%, oluchaza ukuba ngokwemyinge yabahlala phantsi kufuneka bakwazi ukuhoxisa u-4% weempahla zabo ezityalo-mali ngamnye ngonyaka ngokuthatha umhlalaphantsi kwaye ngokuqinisekileyo balindele ukuba imali yabo idlule iminyaka engama-30, ngoko uya kuqonda ukuba kutheni ukuhlawula Umlinganiselo unokusekwa kwi-4%.

Ingxowa-mali ityala ngokusebenzisa "ingxowa-mali yeengxowa-mali," apho imali yakho yabelwe khona kwezinye iimali ze-Vanguard kunye neengxowa-mali kunye nolwabiwo lushintsho njengoko umphathi wezezimali ebona kufanelekile. Ukuba kuyimfuneko, le ngxowa-mali ingadibanisa kwinqununu ukuba ihlangabezane nemali yayo yokuhlawula ejoliswe kuyo.

Esi sicwangciso sisetyenziswe kakuhle xa uzimisele ukunika isikhwama ixesha elide ukufeza injongo yalo. Ukuba uhoxisa imali engaphezulu xa i-fund ihamba ngexesha lokubuya okubi, awuyi kuba nako ukufumana iziphumo zexesha elide le ngxowa-mali eyenzelwe ukukunikezela.

Ingeniso kunye nenqununu ayiqinisekanga. Le ngxowa inomyinge wokuhlawula okujoliswe kuyo, kodwa umvuzo awukho into efanayo nesivuno, njengenxalenye yemali ehlawulwayo ingaba yintlawulo yenkqununu.

Isiseko seNgxowa-mali yokuhlawula i-Vanguard

Ubutyebi obuncinane: $ 25,000
Umyinge wexabiso: .38%
Akukho mali yokuthengisa yokugqibela okanye ukunikezela iirhafu
Intlawulo yokuhlawula okujoliswe kuyo: i-4% ngonyaka, ehlawulwa rhoqo ngenyanga, oku kuthetha malunga ne-$ 315- $ 330 ngenyanga, i-$ 100,000 nganye
Iwebsite yeVanguard inikezela i-calculator ukukubonisa ingeniso yakho ekulindelekileyo kuxhomekeke kwisixa otyalo-mali.

IiFundelity Income Replacement Funds

Ukunyaniseka kunomxholo weNkxaso yokuTshintshwa kweeNgxowa-mali ze- ^SM eziye zenzelwe ukubonelela ngeniso yenyanga ngokuhlawula inqununu kunye nemali engenayo ngokwexesha elimisiweyo lexesha, isebenza ngokufana ne-annuity. Enye into ebalulekileyo: ingeniso yenyanga yenzelwe ukuhamba ngexabiso lokunyuka kwamaxabiso, kwaye ngokungafani nokuhlawula imali, unokutshintsha ingqondo yakho, kunye nemali kwi-investment yakho nanini na.

Iimali zifezekisa injongo yazo ngokucoca ngokutsha utyalo-mali lwakho, ukuhlawula yonke ibhalansi yakho ngexesha ofikelela kumhla wokujoliswa kweengxowa-mali.

Ngokuxhomekeka kwithuba elide ofuna ukuba imali yakho ihlale ngayo ungakhetha i-fund eya kuhlawula i-100% yesibhalansi sakho ngunyaka othile nje ngo-2020, 2030, okanye ngo-2042.

Kude ixesha elide ukhetha, ngaphantsi uzakufumana inyanga nganye. Umxube wokutyalomali weengxowa-mali ngamnye uya kutshintshwa ngokuzenzekelayo kwixesha, ube lukhusele ngakumbi njengoko usondele kumhla wokuphela kwengxowa-mali.

Ingeniso kunye nenqununu ayiqinisekanga.

Iisiseko zeNgxowa-mali yokuTshintshwa kweNgeniso yeSm

Ubutyebi obuncinane: $ 25,000
Ukulinganiswa kweendleko: .50% - .70%
Akukho mali yokuthengisa yokugqibela okanye ukunikezela iirhafu

Iirhafu zokuhlawula zizahluka, kunye ne-2020 ikhefu ehlawula mhlawumbi i-16% ngonyaka, ngelixa ingxowa ye-2041 ingahlawula i-4% ngonyaka. Hlola iwebhusayithi ye-Fidelity ukuze uthole iinkcukacha ngeemali kunye neeshedyuli zamanje zokuhambisa.

03 I-Schwab's Monthly Income Funds

UCharles Schwab unikela ngemali emithathu kwiingqungquthela zeNyanga zeNyanga zeNgxowa-mali, ngamnye ofuna ukutshala imali encinci ye-$ 100 kuphela (nangona i-$ 100 ayiyi kubonelela ngeniso yenyanga ngenyanga). Imali inexabiso elifanelekileyo leendleko ezivela kwi - .47 - .66%, kwaye Iimali ziqulethe iirhafu zokuthengisa okanye iirhafu ze-12b1.

Imali nganye inexabiso elihlawulelweyo lokuhlawula elivela kwi-1-8% kuye kuxhomekeke kwingxowa-mali, kunye nomyinge wenqanaba lamanje. Iimali zibizwa ngokuba yi "Payout Moderate", "Inkokhelo Ephuculweyo", kunye ne "Payment Maximum". Isikhwama sokuThatyathwa esiThatywayo singafikelela kuma-60% esikhwameni kwi-equities, ngelixa iNgxowa-mali ephezulu yokuKhuphela ingaba ne-25% kwii-equity.

Ngethuba leemeko zenzalo ephantsi ezenzelwe ukuhlawula ukuhlawula ngaphambi kokungena kwisinqununu. Oku kuthetha ukuba ingeniso yenyanga ingakwazi kwaye iyahluka.

Isiseko seNgxowa-mali yeNyanga

Ubutyebi obuncinane: $ 100
Ukulinganiswa kweendleko: .47% - .66%
Akukho mali yokuthengisa yokugqibela okanye ukunikezela iirhafu
Iimali zokuhlawula, kwiimeko ezithintekayo zentsingiselo yanamhlanje, i-3% okanye ngaphantsi kweNgxowa-mali yokuThatyathwa okuNgezelelweyo, i-4% okanye ngaphantsi kweNgxowa-mali yokuThuthukiswa, kunye ne-5% okanye ngaphantsi kwiNgxowa-mali yokuThola iMali.

04 I-John Hancock yokuKhathazeka kweNgxowa-mali yokuHlala

UJohan Hancock unomxholo weeRhafu zokuHlala kweMpilo, ngamnye olungiselelwe ukulawula utyalo-mali kumhlala-phantsi kunyaka othile. Iimali zinomnqweno wokwandisa ubuyisela kunyaka wokuthatha umhlalaphantsi, kwaye emva kokutshintshwa konyaka ekujoliswe kuyo ekujoliseni umvuzo okhoyo wangoku.

Iimali zifezekisa ngoku usebenzisa "ingxowa-mali yemali", apho imali yakho yabelwe kwiimali ezininzi zeempahla kunye nezibophelelo, kwaye ulwabiwo luya kutshintshwa njengoko umphathi wezezimali ebona kufanelekile.

Inani lokusabalalisa kunye nenqununu aliqinisekanga.

Isicwangciso esisetyenziswe kule mali sinobukhulu becala bokuphumelela kwixesha elide. Ukuba ukhupha imali yakho xa ixhaswa lihamba ixesha elibi kunye nokubuya okungekho (oko kuya kwenzeka malunga nantoni na yonke imali ngexesha elithile), awuyi kuba nzima ukufumana iimpembelelo ezijoliswe kukufezekisa zona.

Iisiseko zeNgxowa-mali eziKhuselekileyo

Iimali zokuhlala zomhlalaphantsi zikaJohn Hancock zineendleko ezingaphezu kwe-1% ngonyaka, eziphezulu kunezinye iindlela ezifanayo.

Imali nganye kwi-Retirement Living Series inomhla ojoliswe kuwo olwahlukileyo ukususela ngo-2010 ukuya ku-2060. Uninzi lweemali zinobutyebi obuncinane bokuqala obuthatha imali eyi-1 000 yee-Class A, B kunye no-C. Kubekho ubuncinci kwiiklasi ezithile zentengiso ezinikezwa ngecebo lomhlalaphantsi weqela.

Unokufumana ulwazi olongezelelweyo malunga nemali ngokujonga kwiwebhsayithi yakwaJohn Hancock phantsi kwecandelo lokwabiwa kwempahla.