Ukuba ucinga nje ukuthenga iimali zombini okanye uzama ukugqiba indlela yokwabela i-401K yakho, unokuzibuza ngeentlobo ezahlukeneyo zemali. Kudideka ukuba ukhethe indlela yokusasaza imali yakho xa ungaqondani umehluko phakathi kwengxowa-mali yokukhula kunye nenzuzo yengxowa-mali. Emva kokuba uqonda umahluko kwiintlobo zeemali, usakudinga ukujongisisa ngenyameko ethile oyikhethayo. Kufuneka uqhathanise ukukhula kwexesha elide, izinga lokubuyisela, kunye nemirhumo ehambelana nesikhwama ngasinye. Kubalulekile ukuqonda ukuba i-fund eyodwa ayikho into efanayo ne-401 (k). I-fund yokubambisana iyithuluzi lokutshala imali enokuba yinxalenye yepotfolio yakho jikelele kunye ne-401 (k) yokutyalomali kwiimali ezidibeneyo, ngokunjalo. Ukuba udidekile, lihlala liluvo oluhle ukubonisana nomcebisi wezemali onokujonga imeko kunye neenjongo zakho.
01 Growth Funds
02 Iimali zeeNgxowa
Ixabiso leengxowa-mali yingxowa-mali ethenga amasheya xa engabalulekanga kwaye ibambelele kuyo njengoko ikhula. Oku akusiyo i-fund apho bathengisa khona izitokhwe rhoqo. Iimpahla ezinokuthengwa zihlala zifumana izabelo ezilungileyo, enye yeendlela abazenza ngayo imali. Imirhumo ehambelana nale akhawunti iyancipha kuba ibambelele kwimasitya ixesha elide. Ubungozi obunxulumene nalokhu buncinci. Iimali zokubaluleka zibhekwa njengengqikelelo engqongileyo.
03 Inkcazo zeNgxowa-mali
Inkcazo yeengxowa-mali yinkokhelo ezama ukulinganisa ukukhula kweenamba ezahlukeneyo, njenge-NASDAQ okanye i-S & P 500. Le mali isebenza ngeendlela ezimbini ezahlukeneyo. Ezinye zeemali ezihlangeneyo ziphethe iifowuni kuzo zonke iinkampani ezibhalwe kwi-index, ngelixa ezinye zikhetha kwaye zikhethe amasheya ambalwa phezu kwebala. Imirhumo kwezi zinto ziphantsi kakhulu kuba iinkampani azivami ukuthengisa ii-stocks.
04 Iintlawulo zeeMali
Ingxowa-mali yokuxuba yinkxaso-mali edibeneyo edibanisa ukubamba kwayo kunye neenxalenye zezinye iintlobo zemali. Bangenako ukungezelela ezinye iindlela zokutyalomali, ngokunjalo. Umngcipheko usasazeka, kodwa unokunciphisa ukukhula okukhoyo. Kubalulekile ukuba ukhethe isikhwama ngerekhodi elungileyo yokusebenza, ukwenzela ukuba wenze udidi oluhle kakhulu lwezimali zokutshala imali onokuyenza.
05 Ukukhetha uhlobo olungcono lweeNgxowa-mali zakho
Xa ukhangele i-fund efanelekileyo, kufuneka ukhumbule ukuba isitshixo kumashishini esitokisini kukudibanisa iphothifoliyo yakho. Nangona ungaqala ngolunye uhlobo lweengxowa-mali, unganamathela kwabanye. Ungakwazi kwakhona ukukhetha iintlobo ezahlukeneyo zemali otyalomali ngaphakathi kwe-401 yakho (k). Ukuba awuqinisekanga ngendlela ofuna ukutshala ngayo, qhagamshelana nomcebisi wezezimali omele ukuba akwazi ukuchazela i-ins kunye nokuphuma kwetyala.