Ukukhetha Okuhle Konke 'Konke Kweye' Iimali Zemali
Ngaphambi kokuba utyalomali kunye ne "yonke inye" kwingxowa-mali, qiniseka ukuba ugubungele zonke iziseko zokutyalomali.
Indlela yokusebenzisa iiNgxowa ezilinganisiweyo
Iingxowa-mali ezilinganayo , ezibizwa ngokuba yi- hybrid funds , zixhaswa ngemali ehlanganyelanayo (okanye ibhalansi) yamashishini atyalo-mali, njengama-stocks, bonds, kunye nemali. Olu lwabiwo lwee-asethi kwiifom zayo ezilula. Iingxowa-mali ezilinganisiweyo ziba nenjongo echazwe njengobundlobongela, ngokulinganiselayo okanye ngokuzimeleyo. Ngokomzekelo, iFundelity Balanced Fund (i-FBALX) igcina isabelo esilinganiselweyo (esichengeni sengozi) malunga namasheya angama-65%, iibhondi ezingama-30% kunye ne-5% yemali. Enye yeengxowa-mali ezilungeleleneyo, iVanguard Wellesley Income (VWINX), ngokuqhelekileyo igcina isabelo esilungeleleneyo sama-stock% angama-35%, iibhondi ezingama-50% kunye ne-15% yemali.
Iimali ezilinganisiweyo zingasetyenziselwa ukubamba iqela eliphambili lepotfolio okanye zingasetyenziselwa abaqalayo njengengxowa-mali yokuqala. Ngayiphi na indlela, iimali ezilinganiselayo zihlukeneyo kwaye zilawulwa ngokusemthethweni-ukuphumelela / ukuphumelela kwinkqubo ye-fund eyodwa.
Indlela yokukhetha i-Target-Date Funds
Iimali zeThagethi-Date nje njengoko zivakalayo: Ziyimali ebeka imali kwixesha elithile ngexesha.
Ezi mali ziqhelekile kwi-401 (k) izicwangciso kwaye zingasetyenziselwa kwinkqubo ye-fund eyodwa. Ukuba utyalo-mali lomhlala-phantsi, unokuqwalasela enye yeengxowa-mali zokuthatha umhlala-phantsi weVanguard. Umzekelo, umntu oceba ukuhlala phantsi okanye kufuphi nonyaka wama-2030, angasebenzisa umhlala-phantsi we-Vanguard Target 2030 (VTHRX). Njengoko umgudu wokuthatha umhlalaphantsi usondela, umphathi wezezimali uza kuncipha kancane kancane ukunikezelwa kwesitokhwe kwaye ukwandise ubophelelo kunye nokwabiwa kwemali (ukusukela kwintlonelo ukuya ekumodareyithini ukuya kwi-conservative) ngokuhamba kwesikhathi.
Umthengi uqaphele: Iimali ze-Target-Date yiyona nto "iphothifoliyo yeliviki" kodwa ayikho into efana nayo-yonke imali. Ngokomzekelo, umtyalo-mali okhuselekileyo akanako ukukhululeka ngokunikezelwa kwengxowa-mali ekujoliswe kuyo xa ulwabiwo lukhulu kakhulu ngenxa yokunyamezela . Ngako oko ungafuna ukwenza umsebenzi ophantsi wesikolo ngaphambi kokuba utyalomle ngokukhangela ulwabiwo lweefom ye-fund-date fund. Ngokomzekelo, ukuba ufuna ukulungelelanisa, qwalasela umhla ojoliswe kuwo ekufutshane, njengeminyaka emi-5 okanye eyi-10 kungekudala kunomhla ojoliswe kuwo. Ngokufanayo, ukuba ufuna ukufumana umxube ogqithisileyo weempahla kunye neebhonksi kunye nekhredithi yosuku olujoliswe kuyo, khetha usuku olujoliswe kuyo, njengeminyaka emi-5 okanye eyi-10 emva kwexesha lakho elijoliswe kuyo.
Kutheni kuTyala kwi-Index Index
Xa ucingisisa indlela ethile ye-fund, imali yenkcazo ingabakho ukhetho olumkileyo ngenxa yolawulo lwayo olungabonakaliyo, ulwahlulo olubanzi kunye neendleko eziphantsi. Abaqalayo bangafuna ukuqala ngeengxowa-mali, njengenye yeengxowa-mali eziphezulu ze-S & P 500 , ukuba basebenzise kwisakhiwo sephothifoliyo esiyintloko kunye ne-satellites okanye bangafuna ukugqithiswa ngokubanzi kunye neengxowa-mali ze-stock market .
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.