Qala i-401k yakho yokuqala
Akukaze kusondele kakhulu okanye kusele kakhulu ukuqala ukugcina kwisicwangciso se-401k. Nangona uneminyaka engama-40 okanye ama-50s, kusekho ixesha lokwakha iqanda elibalulekileyo lokuthatha umhlalaphantsi.
Ngako-ke, akukho minyaka yemilingo yokuqalisa ukugcina kwisicwangciso se-401k kodwa kunoko le ngcebiso elula yokulondoloza: Ixesha elihle lokuqalisa ukugcina kwisicwangciso se-401k izolo, ixesha elibini elifanelekileyo lokuqala ukugcina kwisicwangciso se-401k namhlanje, kwaye ixesha elibi kakhulu ukuqala ukugcina ngo-401k ngomso.
Thatha inzuzo yeNzala
Ngokukhawuleza uqala ukugcina kwi-401k yakho, ngokukhawuleza unokusebenzisa ngokunamandla amandla omdla. Umzekelo wabasindisi ababini abahlukeneyo uchaza okulungileyo: I-# 1 i-Saver iqala ukugcina i-$ 5,000 ngonyaka ngonyaka wama-401k eneminyaka engama-25 kwaye iqhubeka iminyaka eyi-10 ide ifike kwi-35 ubudala xa iphela. Yonke imali yokugcina imali eyi-$ 50,000. Umgcini # 2 uqala ukugcina inani elifanayo leedola ezingama-5000 kodwa ulinda kude kube ngama-35 ubudala kwaye uyaqhubeka iminyaka engama-30 de kube yiminyaka eyi-65.
Yonke imali eyi-150,000 ye-e-pocket yokugcina imali. Ukuthatha i-7% yentlawulo yokubuyisela kwi-portfolio nganye ye-401k, enye iphela ekupheleni kweminyaka engama-65?
Ngenxa yokuqala kwasekuqaleni, kwaye ngenxa yamandla okuhlanganisa umdla, i-Saver # 1 iwina, emva kokulondoloza kuphela iminyaka eyi-10, kunye ne-balance of over $ 600,000. Umgcini we-# # uphela malunga ne-540,000 yeeRhafu nangona begcinwe iminyaka engama-30.
Ngenxa yenzalo, i-harnesses value value of money, iService # 1 "iphumelele" kumncintiswano we-401k wokulondoloza.
Ukwenza unyanzelise ngakumbi, inzuzo kwisicwangciso se-401k ayihlawulwanga ngelixa i-akhawunti. Oku kuvumela umdla ukuba uqhubeke uhlanganiswa ngaphandle kweerhafu ukuwucutha, njengoko kuya ku-akhawunti ehlawulwayo.
Khetha i-Best Rate Yokusindisa kuwe
Akukho ubungakanani obukhulu-wonke-wonke amazinga angama-401k okusindisa wonke umntu. Ngoko ke umlinganiselo ongcono kakhulu wokugcina kwisicwangciso se-401k kunjalo nangona unako ukufaka isandla ngaphandle kokulimaza ezinye iinjongo kunye neemfanelo zakho zemali.
Ngokomzekelo, ukuba awukwazi ukuhlawula irenti yakho okanye ukunciphisa ityala lakho lekhadi lesikweletu ngenxa yokuba iminikelo yakho engama-401k iphakamileyo kakhulu, uyasindisa kakhulu! I-10 ukuya kwi-15% yinto efanelekileyo yokugcina kwisicwangciso se-401k kodwa kufuneka ubuncinane utyalomali okwaneleyo ukufumana nayiphi na iminikelo ehambelana nomqeshi wakho. Umdlalo oqhelekileyo ngowama-50% ukuya kwi-6% yezinga lakho legalelo (elidla ngokubizwa ngokuthi "ipesenti yokumisa").
Ekuguquleleni, ukuba uncedisa ngaphantsi kwe-6% yomvuzo wakho, awufumani umdlalo opheleleyo. Kodwa ukuba ugalela u-6%, umqeshi uyongeza kwi-50% yaloo nto, okuyi-3% yomvuzo wakho. Eziguqulela kwi-9% yengeniso yakho iya kwi-401k yakho! Musa nje ukushiya imali elele etafileni, ngoko kuthetha.
Hlola ngokufanelekileyo Ukunyamezela kwakho koMngcipheko
Enye yezona mpazamo ezinkulu ze-investors ezenza kwisicwangciso se-401k ahluleki ukufumanisa ukuba yiziphi iimali eziphathekayo ezifanelekileyo kubo.
Ngokukodwa, abatshali-mali bathabatha ingozi enkulu, oko kuthetha ukuba imali yabo yokugcina imali engama-401k ingakhula ngokukhawuleza, kwaye abanye abasindayo batyale ngokugqithiseleyo baze bathengise imali yabo ngokubambisana xa kunqabileyo ukunyuka kweemarike.
Ukufumanisa indlela yokufumana umgca-mngcipheko wobungozi kunye nokubuya, abatyala-mali be-401k kufuneka bazalise into ebizwa ngokuba yi- questionnaire yokunyamezela ingxaki, eya kubonakalisa iphrofayili yengozi kwaye iphakamise iintlobo zeengxowa-mali kunye nokunikezelwa ngokufanelekileyo.
Ukwahlula i-Portfolio yakho ye-401k ye-Mutual Fund
Xa kwakhiwa iphothifoliyo yeemali zengxowa-mali , inxalenye ebaluleke kakhulu kwinkqubo yintlukwano, oku kuthetha ukusasaza umngcipheko kwiintlobo ezahlukeneyo zotyalo-mali. Uninzi lwezicwangciso ze-401k zinikela ngeemali ezininzi ezihlukeneyo kwiindidi ezahlukeneyo. Indlela efanelekileyo yokuyiqonda ingcamango yeendlela ezahlukeneyo xa kwakhiwa iphothifoliyo inokubonakala kakuhle.
Nasi umzekelo wepotfoliyo ehambelanayo , edibanisa "umngcipheko ophakathi" weengxowa-mali ezifanelekileyo kubatyeli-mali abaninzi, besebenzisa imali efunyenwe kwisicwangciso se-401k:
- I-40% yesitokhwe esikhulu (i-Index)
- I-10% yesitokhwe encinane
- 15% yaseStock Exit
- 30% I-Bond yexesha eliphakathi
- 05% Imali-mali / iMarike yeMali / Ixabiso elizinzile
Landela iindlela eziphambili zoLawulo lwe-401k
Emva kokuba ubeke ipesenti yakho yokumisela kwaye ukhethe utyalo-mali lwakho, unokuqhubeka malunga nomsebenzi wakho nobomi bakho kwaye uvumele 401k wenze umsebenzi wayo. Nangona kunjalo, kukho iincophiso ezimbalwa zokulondoloza ezilula ukulandela:
- Ukungalingani KwiPortfolio yakho : Xa ulinganisela u-401k wakho, ubuyisela imali eyabelwe ngayo imali ngoku ulwabiwo-mali lwangaphambili . Ngako oko ukuhlaziywa kwemali kuya kufuna ukuthenga kunye / okanye ukuthengisa izabelo zabanye okanye zonke iimali zakho zokubambisana ukuze uhlawule ipesenteji ezabiwe emva. Ngomzekelo olula, masithi sithi ekuqaleni uqokelele iimali ezidibeneyo ze-4 kwaye ubeke ukwabiwa kwi-25% nganye. Emva konyaka owodwa, enye ingxowa-mali yenyuka yaba ngama-30% kwipotfoliyo yakho, enye inqatshelwe ukuya kwe-20% kwaye enye ibini yahlala malunga ne-25%. Ukungalingani, uya kuthengisa izabelo zeengxowa-mali ezikhulayo kwixabiso, zithenga izabelo ze-fund eziye zanqabile ngexabiso, kwaye zishiye abanye zodwa. Oku kunesiphumo "sokuthengwa okuphantsi kunye nokuthengisa phezulu," yile nto abatshatyalali abalungileyo abazenzayo rhoqo. Ixesha elihle lokuphindanisa ngokuphindwe kanye ngonyaka. Uninzi lwezicwangciso ze-401k zivumela ukulandelana ngokuzenzekelayo okanye indlela elula yokuyenza kwi-intanethi.
- Ukwandisa izinga lokuSindisa : Xa ufumana ukuphakanyiswa, unike u-401k ukuphakamisa! Ngokomzekelo, masithi umqeshi wakho ukunika ukukhushulwa okuza kunye no-5% ukuphakama kumvuzo. Ngokukhawuleza ukwandisa i-401k yokumisa ngokukodwa nge-1%. Ngaloo ndlela uza kuhlala ujabulela ukuphakanyiswa kodwa uza kwandisa imali yakho yokugcina umhlalaphantsi.