Ezinye iindlela zokwabiwa kwezibonelelo zinika iziphumo ezingcono zokuthatha umhlalaphantsi.
Yiyiphi i-"Minus Age Age"?
Xa utyalo imali yakho, isigqibo osenzayo esiya kuba nefuthe kakhulu kwiziphumo zakho kukuthi ungaphila kwiimpahla kunye nezibophelelo . Kwiminyaka emininzi imithetho yezothutho iphuhliswe kwizame zokukhokela kwesi sigqibo.
Omnye umgaqo ogqithisiweyo ngumgaqo "we-100 minus age", othi ufanele uthathe i-100 uze ukhuphe iminyaka yakho: Isiphumo kukuba ipesenti yeempahla zakho zokwabiwa kwiisitokethi (ezikwabizwa ngokuba ngamalungelo).
Ukusebenzisa lo mgaqo, kwi-40 uza kuba ne-60% eyabelwe iifotyi; xa uneminyaka engama-65 ubudala, ubuya kunciphisa isabelo sakho kwisitokethi ukuya kuma-35%. Ngokwimigaqo yobugcisa le nto ibhekiselwa kuyo ngokuthi "ukunciphisa ukulingana kwe-glidepath". Unyaka ngamnye (okanye ubuninzi kwiminyaka embalwa) uya kunciphisa isabelo sakho kwisitokethi, ngaloo ndlela unciphisa izinga lokungazinzi kunye nomngcipheko wepotfolio.
Iingxaki Eziyimfuneko Ngalo Mgaqo
Ingxaki yalo mgaqo ayihambelananga kunye neenjongo zakho zemali nangayiphi na indlela. Izigqibo zokutshala imali kufuneka zisekelwe kumsebenzi wakho imali ekufuneka uyenzele yona. Ukuba ngaba uneminyaka engama-55, kwaye ungacwangcanga ukuthatha ihoxiswa kwii-akhawunti zakho zomhlala phantsi kude ufune ukwenza njalo kwi-70 ½ yobudala , imali yakho ineminyaka emininzi yokusebenzela ngaphambi kokuba ufune ukuyiphatha.
Ukuba ufuna imali yakho ibe neyona ndlela ephezulu yokufumana imali engaphezulu kwama-5% ngonyaka kwaye i-50% kuphela yale mali eyabelwe kwi-stocks ingaba yindoda ekhuselekileyo ngokusekelwe kwiinjongo zakho kunye nexesha.
Ngakolunye uhlangothi, unokuba ngu-62, kwaye malunga nokuthatha umhlalaphantsi. Kule meko abaninzi abahlala phantsi baya kuzuza ngokulibaziseka umhla wokuqala woNcedo lweNtlalo kunye nokusebenzisa i-akhawunti yokuthatha umhlala-phantsi ukuxhaswa iindleko zokuhlala baze bafikelele kwiminyaka eyi-70.
Kule meko ungadinga ukusebenzisa inani elikhulu lemali yakho yotyalo-mali kwiminyaka eyisibhozo ezayo, kwaye mhlawumbi ulwabiwo-38% lwabiwo mali lube luphezulu.
Oko Uphando lubonisa
Izifundo ziye zaqala ukuqhuba uphando ngomhlala-phantsi malunga nendlela yokunyuka kwe-equity equity path (eyiyo leyo yokulawulwa kweminyaka engama-100 kuya kuhamba) iya kuqhathaniswa nezinye iindlela. Ezinye iindlela ziquka ukusetyenziswa kwendlela yokwabiwa kwe-static, njenge-60% yesitokisi / i-bond% ezingama-40 kunye nokuhlawulelana kweminyaka, okanye ukusebenzisa umzila we-glide okhulayo, apho ungena khona umhlalaphantsi kunye negalelo eliphezulu kwizibophelelo, kwaye uchithe ezo zibophelo ngelixa uvumela isabelo sakho kukhula.
Uphando olwenziwa nguWade Pfau noMichael Kitces lubonisa ukuba kwiimarike ezithengiswayo, njengokuba unokufumana umhlala-phantsi ngo-1966, i-100 minus yokunikezelwa kweminyaka yanikezela kwisiphumo esibi kakhulu, ekushiye imali ngaphandle kweminyaka emashumi amathathu emva kokuthatha umhlalaphantsi. Ukusebenzisa i-glidepath yokulingana ephakamileyo apho uchitha iibhondi zakho kuqala wanikela ngesiphumo esihle kakhulu.
Baye bavavanya isiphumo sale ndlela ekwabelwana ngayo kwiimarike ezinobungakanani, njengokuba unokufumana umhlala-phantsi ngowama-1982. ixabiso leakhawunti kunye nokunyuka kokulingana kwe-glidepath indlela ekushiye ngayo ngexabiso le-akhawunti elikude kakhulu (elikude kakhulu kunokuba uqale nalo).
I-100 engaphantsi kweminyaka yobudala ihambise iziphumo ngqo phakathi kwezinye iindlela ezimbini.
ISicwangciso soMbi kakhulu, ithemba kwizinto ezilungileyo
Xa uthatha umhlalaphantsi, akukho ndlela yokwazi ukuba ngaba uya kungena kwiminyaka elishumi okanye amabini enkqonkqo yokusebenza kwemakethe ye-stock or not. Kungcono ukwakhiwa kwesicwangciso sakho solwabiwo-mali ukwenzela ukuba isebenze ngokubhekiselele kwisiphumo esibi kakhulu. Ngaloo ndlela, i-100 minus approach yobudala ayibonakali iyindlela efanelekileyo yokunikezela ngomhlalaphantsi njengoko ingahambi kakuhle phantsi kweemeko zemarike ezikhoyo. Esikhundleni sokubanika iiphothifoliyo ngale ndlela, abahlala phantsi kufuneka baqwalasele indlela echasene nayo: Ukuthatha umhlala-phantsi ophezulu kwiibhondi ezinokuthi zichithe ngokuzithandela, ngelixa ukushiya isahlulo sokulingana sisodwa. Oku kuya kubangela ukunyuka okukodwa kokunikezelwa kwamashishini ngexesha lomhlalaphantsi.