Ezinye iiphathi zeakhawunti ziphezulu, ezinye azikho.
Iintlobo zeeAkhawunti eziPhathiweyo
Umcebisi-mali-mali unokuphatha iphothifoliyo yamasheya , edlalwa ngokuba yi "akhawunti ephethwe ngokuhlukileyo." Umcebisi wezolimo-mali unokulawula kwakhona iipotifoliyo zeemali ezihlangeneyo; ukuba le nkonzo yolawulo lwengxowa-mali iyaxubusha iindleko zemali yomrharenti ebizwa ngokuthi "gcina i-akhawunti."
Umcebisi wezemali unokucebisa ukuba utyalole imali yakho kokubili kwiakhawunti ezilawulwa ngokwahlukileyo kwaye ugobe iakhawunti, apho unokuba uhlawula iindleko eziliqela zokuhlawula imali.
Imali kwiAkhawunti eziPhathiweyo
Iintlawulo zemirhumo zingenza uhlobo olungalunganga lwe- akhawunti elawulwayo ebiza kakhulu; khumbula imirhumo ephakamileyo, i-down down returns to you. Ulawulo lotyalo-mali aluyinkonzo apho ukuhlawula imali ngakumbi kunika imali ephezulu. Njengokuba kunjalo, kuye kwabonakaliswa kwiingxowa-mali ezidibeneyo eziphakamileyo ezihlawulwayo, kunye neentlawulo eziphantsi ezivela kule mali.
Inkcazo yemali ehlawulwa malunga .10 - .35%. Oko kuthetha ukuba umcebisi uhlawula i-1%, kwaye usebenzisa i-index index ngaphakathi kwe-akhawunti, iimali ezipheleleyo ziphela malunga ne-1.25%. Oku kunengqiqo. Kodwa ukuba umcebisi usebenzisa imali ephezulu-mali kwaye kukho iindleko ezininzi zokurhweba nezorhwebo, unokugqiba ukuhlawula iifizi ezipheleleyo ze-2 ukuya kwi-3% ngonyaka. Le nto!
Imirhumo kwiAkhawunti eziPhathiweyo
Iingxelo ezilawulwa ngokuqhelekileyo zihlala zithengisa rhoqo ngaphakathi kwazo ezithetha ukuba azinako ukuhlawula irhafu, ngoko ke imali engeyiyo yomhlala-phantsi ayinakuba yisisombululo esihle. IiAkhawunti ezithengisa i-akhawunti yakho, okanye wenze utshintsho rhoqo kwiipotifoliyo zakho, zenze iimali eziphezulu zokuthengiselana kwaye zikhokelela kwi-bill tax higher.
Oku kunciphisa intlawulo yakho yentlawulo yentlawulo (ukubuyela kwakho emva kwentela kunye nemirhumo).
Ukuba unayo imali kwiakhawunti engaphantsi komhlala phantsi, okanye ngokudibanisa ne-akhawunti yomhlalaphantsi kunye ne-non-retirement, ngoko ke kufuneka uyithobele ingqalelo emva kweerhafu. Umcebisi omhle wotyalo-mali unokubeka utyalo-mali olomeleleyo kwii-akhawunti zakho ezingekho phantsi komhlala-phantsi kunye neentlawulo ezingenamsebenzi kwii- akhawunti zakho zomhlalaphantsi . Yinkqubo ebizwa ngokuba "indawo yendawo." Xa oku kwenziwa ngokufanelekileyo, uphando lubonisa ukuba lunokwandisa kakhulu inzuzo yakho emva kwentela.
Ukufumana iiAkhawunti eziPhezulu eziPhezulu
Uhlobo olufana nokuqhuba irhafu yakho, unokuzenza ngokwakho, okanye uhlawule umntu ukuba akwenze oko. Oko uhlawulayo ngumntu oza kubeka isabelo esifanelekileyo, ukhethe iimali eziphantsi kweendleko zokuzalisa eso sabiwo, ukubeka iliso, ukulungelelaniswa xa kufuneka , kwaye ubike iingxelo ukwenzela ukuba wazi ipesenti yakho yokubuya ngonyaka.
Kufuneka unqume ukuba ngaba ungumntu ozenzayo okanye ukuba ukhetha ukudlulisela. Iingcali zivame ukulandela inkqubo enokuthi yenzeke ngakumbi - ukuze ngokwayo iholele kwimiphumo engcono, kodwa ukuba unako ukulandela inkqubo enokuzimelela ngokwakho, ngoko uya kufezekisa iziphumo ezifanayo.
Ukuqeshwa komntu akuthethi ukuba baya kuzuza iimbuyiselo eziphezulu kunokuba uthanda wena. Kuthetha ukuba uyabaqeshisela ukuba balandele inkqubo yotyalo-mali oluleko kunye neyokwakha iphothifoliyo efanele.
Ukuba ufuna ukunikezela, ezi zikhokelo ziyakunceda ufumane i-akhawunti ephethwe kakuhle.
- Thabatha ingqalelo kwiindleko ezipheleleyo. Buza uqikelelo lweendleko zokurhweba, iifizi zemali kunye neentlawulo zabacebisi. Qinisekisa ukuba iifizi ezipheleleyo zi-2% okanye ngaphantsi konyaka.
- Ukuba unayo imali kwi-akhawunti yerhafu emva kwee-akhawunti kunye ne-akhawunti yomhlalaphantsi, fumana abacebisi abalawula ukubuyiswa kweerhafu.
- Ukuba unemali kwiindidi ezahlukeneyo zee-akhawunti, fumana umcebisi okanye i-akhawunti ye-akhawunti eyenza ilawulwe iifa lakho, kungekhona kwinqanaba le-akhawunti.
- Ukuba ufuna isicombululo se-intanethi ukulawula imali yakho ngokuzenzekelayo, khangela ezinye ze-roboadvisors eziphezulu.
Ngezantsi ezinye iingcinga ezongezelelweyo kwiingxelo ezilawulwayo ngendlela yombuzo kwaye uphendule ingxoxo kunye nomfundi wam.
Q. Ziziphi iingcamango zakho kwiingxelo zemali / ezilawulwayo?
A. Kuxhomekeke kwinto abayifaka ngayo kwaye luhlobo luni lohlobo abalandeliyo. Ngaba ayifaki i-index index load and charge 1% okanye ngaphantsi? Oku kunengqiqo. Okanye ngaba bafaka imali ephathekayo kunye nabaphathi bamasheya ngeemali ezipheleleyo kwi-2-3% ububanzi? Ngaba balawula yonke indlu, bebeka utyalo-mali kwiingxelo ngendlela efanelekileyo-yerhafu, okanye ukulawula i-akhawunti nganye njengeyakhe idilesi ehlukeneyo? Kukho iindlela ezininzi zokubonelela ngemali / ukuphathwa kweengxelo zemali njengoko kukho imali yomnye, ngoko kunzima ukubonelela ngaphezu kweempendulo zendalo. Eyona ndlela, imali yakho ilawulwa kwinqanaba lekhaya - ingabhalwanga nge-akhawunti. Ukuthatha umboniso wendlu opheleleyo kunokunceda yonke into isebenzisane kunye nenjongo efanayo.
Q. Siyabonga kakhulu ukuba ndibuyele kunye nam, ngoko ke ndinombulelo! Kunzima ukuthemba umntu ngokupheleleyo xa unomdla wemali kumdlalo. Ndifuna ukuhlenga i-401 (k) kwi-IRA . Umrhumo ngowama-1,25% kwiimpahla, kwaye bafuna ukuba ndihambe kunye neephothifoliyo ezilawulwayo ezinokuzilungiselela ngokuthe ngqo nge-Morningstar okanye kwiCurion. Ndakubuza malunga neemali ezidibeneyo, kwaye bathi baya kuhamba loo ndlela ukuba ndiyathanda. Andiqinisekanga ukuba yintoni enokuyenza - ngqalelo iVanguard nokwenza imali engeyiyo imithwalo-mali, ndingabi naqinisekanga ukuba ngaba ndiba nexesha okanye ubuchule, kodwa afuni ukulahlekelwa yimali ukunyusa nemirhumo ephakamileyo. Ziziphi iingcinga zakho?
A. Ewe, kuxhomekeke kwimali enokuthetha ngayo nge-1% - 1.25% yinto efanelekileyo. Unokufumana iinkonzo ze-intanethi eza kwakha iiphothifoliyo zingaphantsi, ngamanye amaxesha zijikeleze .50% okanye ziphantsi. Abacebisi abaninzi beemali-mali kuphela bahlawula malunga ne-1%, ukusebenzisa imali yenkcazo, kwaye banokunika isiluleko esongezelelweyo sokucwangcisa kunye neenkonzo zokulawula utyalo. Ukuba awunalo ixesha okanye ubuchule, andiyicebisi ukwenza oko ngokwakho. Ngaphandle kokukwazi isicwangciso sakho sonke sekhaya andiyazi ukuba iinqununu zabo zineengqiqo, kodwa yonke into oye wabelana ngayo izandi.