Uphando lunikeza ulwazi olutsha kwi-best allocation allocation for pension.
Ngenye indlela, ezinye iincwadi kunye nabacebisi ziya kuncoma ukuba endaweni yokulandela imodeli yokwabiwa kwempahla, kufuneka usebenzise imali yakho ukuthenga imali engenayo ngokuqinisekileyo ngenzuzo.
Uphononongo olutsha lwezemfundo luxhasa inkxaso-mali yesabelo somhlala-phantsi esikunikezela ngezona zinto zimbini.
Imodeli yoLwabiwo lomhlala-phantsi osebenzisa iziThuthi
I-Ibbotson, inkampani eyinkokeli kwintsimi yophando lolwabiwo-mali, ihlanganise iphepha elimhlophe eligqiba ukuba unokwandisa inzuzo yakho yokuphila ngokufaka inxalenye yesabelo sakho sobanjiso kunye ne-annuity echaseneyo enika umgcini wokurhoxisa obuncinane ( GMWB) .
Uphando olongezelelweyo olwenziwa ngabafundi abaziwayo njengoWade Pfau, uMoses Milevsky, noMichael Finke babonisa ukuba ukusebenzisa ezinye iirhafu, njengemali yokufumana imali ngokukhawuleza kunye neengeniso zokufumana imali engenako kunokunciphisa iindleko ezipheleleyo zomhlalaphantsi.
Injongo: Ukwandisa iMali yeNkcazo yoBomi
Olu phando lubonisa indlela entsha yokucinga; ukuyila imodeli yokwabiwa kwempahla yomhlalaphantsi enenjongo yokuphambili yokufumana ingeniso yokuphila kunye nokunciphisa ingozi yokuphuma kwemali.
Oku kufana nje ukuba yintoni na yonke into efunayo.
Ngoko udala njani i-portfolio yakho yemali ephezulu yemali? Uqala ngeendlela zokwabiwa kwempahla yendlela yokwenza imali eninzi kunye neebhondi, uze wenze utshintsho oluthile.
Ukulungiswa kolwabiwo kuquka ukuthabatha inxalenye yepotfolio yakho kunye nokutyalomali kwi-annuity eguquguqukayo kunye nenzuzo yokunqanda okuncinciweyo okuqinisekileyo, i-annuity echaziweyo kunye nekhefu echaziweyo kamva, okanye ukuba uhlala umhlala-phantsi ngoku, kwaye uhlawule hlawula imali ngoku.
Ngezantsi zizahlulelo ezimbalwa zokuthatha umhlala-phantsi umhlala-phantsi usebenzisa umxube weempahla zendabuko kunye nohlobo lwemali ethile.
Iimodeli zokwabiwa kweefa zokuthatha umhlala-phantsi ukwenzela ukwandisa imali engenayo yokuphila
- I-Conservative
Esikhundleni sokuba neepotfoliyo eyayinama-stock% angama-20%, iibhondi ezingama-80%, uza kwenza iphothifoliyo eyayinama-stock% angama-20%, iibhondi ezingama-60 kunye ne-20% engenayo eqinisekisiwe kwingeniso. - Eyona ndlela
Esikhundleni sokuba neepotfoliyo eyayingama-40% esitokisini, ama-bond% angama-60, uza kudala iphothifoliyo eyayinama-stock% 40, amabhondi e-45%, kunye ne-15% yonyaka, okanye ukudala imali engenayo eyongezelelweyo, uza kubelwa i-stock% 40, iibhondi ze-%, kunye ne-35% engenayo eqinisekisiwe kwingeniso. - U buhlungu
Esikhundleni sokuba neepotfoliyo eyayingama-60% esitokisini, iibhondi ezingama-40%, uya kudala iphothifoliyo eyayinama-stock% angama-60, i-bond% ezingama-30 kunye ne-10% kwi-annuity eza kunika inzuzo eqinisekileyo.
Kutheni umgaqo-nkqubo wesabelo somhlala-phantsi omtsha usenza iziphumo ezingcono?
Ulwabiwo lweefa lomhlalaphantsi lusebenza ngenxa yokuba linciphisa iingxaki oza kuphelelwa yimali kwaye linciphisa iingxaki oza kufuneka zithathe ukunciphisa kwinzuzo ngenxa yokusebenza kwemarike.
Xa usebenzisa i-annuity eguquguqukayo, ngaphakathi kwe-annuity eguqukileyo unika ipesenti ephakamileyo yamasheya kunokuba wawuya kuba ungayisebenzisi i-annuity.
Unokuziva ukhululekile ukwenza njalo kuba inani lemali engenayo onokuyihoxisa liqinisekisiwe.
Xa usebenzisa i-annuity yenyanga engenayo okanye u-annuity ngokukhawuleza uyazi ukuba iholo lakho elizayo liza kuba yintoni, kungakhathaliseki ukusebenza kweemarike. Unako ukutshala ezinye iimali ngokugqithiseleyo ukwazi ukuba inxalenye yengeniso yakho ikhuselekile.
Ukwabiwa kweStock / Bond Portion yePortfolio yakho
Emva kokuba usuqikelele ukuba ungakanani ulwabiwo kwimveliso eqinisekisa ukufumana ingeniso yokuphila, uya kuthatha isigqibo malunga nendlela yokutshala isabelo kunye nesibhambathiso kwipotfoliyo yakho. Nazi iimbono ezimbalwa, kunye nombono ngamnye ufumana unobundlobongela.
- Unako ukuphakamisa iibhanki zakho kwaye uthenge i-shareend paysts, okanye usebenzise i-fund benefit fund.
- Ungasebenzisa imali yengxowa-mali yomhlalaphantsi eyabelwe ngokuzenzekelayo kuzo zonke izitokisi kunye nezibophelelo kuwe, kwaye ikuthumele isheke nganye.
- Unako ukubeka utyalo-mali kwizityalo ezithe xaxa kunye nesiphothifoliyo sakho yesitokisi / ibhonti yenkcubeko ukuze ukwandise imali engenayo.
Izikhokelo zokuHlalwa kweeAfa zoKuhlala phantsi
- Okufutshane ixesha lokuphila kwakho, ngakumbi uya kufuna ukukhetha utyalo-mali kunye nezicwangciso ezinokufumana imali engenayo yangoku .
- Ukuhlala ixesha elide lokuphila kwakho, ngakumbi uya kufuna ukukhetha amacebo anokwandisa imali engenayo yokuphila , oku kuthetha ukuba bavelisa ngeniso engaphantsi, kodwa ingeniso kulindeleke ukuba ihambisane nexabiso lentengo.
- Unokutshintsha izicwangciso zokuhlangabezana neemfuno zokuphila. Ngokomzekelo, unokufuna ukwandisa ingeniso yangoku kwiminyaka yakho yokuqala eyishumi yomhlalaphantsi ngelixa usempilweni, kunye nesicwangciso esinqumbileyo sokuthatha imali encinci emva kokuba uhlawule.
Ezi zigqibo zonikezelo zenziwa ngcono emva kokuhlanganisa isicwangciso-mali sokuthatha umhlala-phantsi. Uhlala phantsi kuphela. Ukusebenza neengcali zengcali yomhlala-phantsi kunokunceda xa wenza izigqibo ezibalulekileyo zokwabiwa komhlalaphantsi.