UkuKhethwa koTyalo-mali kwiSicwangciso sakho se-401k

Malunga nabaRhafti kufuneka baqaphele ngeSigxina seNkxaso-mali

Abaninzi kuni banokukhetha utyalo-mali kwisicwangciso sakho esingama-401k ongakhange ucinge ukusetyenziswa - kodwa kufuneka. Kuhamba ngamagama amaninzi: Ixabiso elizinzile, i-Income Income Fund, i-GIC (i-Contract Guaranteed Contract), i-Capital Preservation Fund, iNgxowa-mali yesiKhulu, iNkcazo yeMali eXhaswayo, iNgxowa-mali eqinisekileyo, iNkcazo yeNzala eThabileyo. Zonke ezi ntlobo zemali zingabalwa phantsi kwecandelo elibizwa ngokuthi "ixabiso elizinzile".

Iimali eziPhakamileyo zeMali

Iimali ezizinzileyo zemali zenziwe ngamatyontrakthi otyalo-mali akhishwe ngamabhanki kunye nenkampani zomshuwalense. Inkontileka nganye yotyalomali ihlawula ixabiso elichaziweyo lokubuyisela ixesha elithile.

Inketho yokutshala imali efumaneka kuphela kwizicwangciso ezifanelekileyo ezihlawulwa irhafu - oku kuthetha ukuba awukwazi ukuthenga le mali-mali kwi- akhawunti ye-IRA okanye kwi- akhawunti yakho yomrhweba kwaye unako ukufumanisa ixabiso elizinzileyo lokuxhaswa ngemali ongayithengayo ngaphandle kwesicwangciso sakho somhlalaphantsi .

Injongo yexabiso elizinzileyo kukugcina imali enkulu kwaye unikezele ukuthengiswa kwemali ngelixa uhambisa iintlawulo ezifana nezo zibophelelo ezifutshane okanye eziphakathi, kodwa ngokungahambisani nokunyaniseka.

Ngokomlando, ixabiso elizinzile lifezekise injongo yalo. Ngokweembuyekezo kunye neenkcukacha ezipapashwe yi-Stable Value Investment Association, kwiminyaka elishumi edlulileyo, iimali ezizinzileyo zexabiso zivelise iintlawulo ezifaniswa neengxowa-mali zesikhashana-mali eziphakathi kodwa zingabi nanyanzalo.

Ngubani omele acinge ngexabiso elizinzileyo

Ixabiso elizinzileyo libhekwa njengento ekhethileyo yokutshala imali . Umntu onokuzimela angakhetha oko yonke imali yakhe. Umntu onenkxalabo malunga nokunyaniseka kwemakethe ye-stock market angakhetha ukuba yinxalenye yemali yabo. Ndicinga ukuba yinto efanelekileyo ngokukhethekileyo kulabo bangaphantsi kweminyaka emihlanu yomhla wokuthatha umhlalaphantsi.

Ixabiso elizinzileyo kulabo abasondeleyo

Inketho yotyalo-mali njengexabiso elizinzileyo liluncedo kumntu osondelene nomhlalaphantsi. Makhe sicinge ukuba uneminyaka emithathu ukusuka kumhlalaphantsi. Ubeke ndawonye icebo lokufumana umhlalaphantsi elibonisa ukuba uya kufuneka uhoxise i-30,000 zama-akhawunti kwi-akhawunti yakho yomhlalaphantsi kunyaka wakho wokuqala wokuthatha umhlalaphantsi.

Ukuba utyalomali i-$ 30,000 kwixabiso elizinzileyo ngoku, uya kukwazi ukuba liyafumaneka kuwe xa ulifuna. Ukuba imarike ihla phakathi kwamhla kunye nomhlalaphantsi ngoko yintoni? Uya kukwazi ukuba umrhumo omele uhoxise ukhuselekile kwisigqibo sokutshala imali.

Ukuba uya kusebenzisa olu khetho kubalulekile ukuba umboneleli wakho we-401k uvumela ukuba ukhethe kwaye ukhethe ukuba uthini utyalo-mali. Ezinye iiplani ezingama-401k zenza ukuba uthabathe u-re-rata-kuthetha ukuba kufuneka afike ngokulandelelaniswa neengxowa-mali zakho ezahlukeneyo.

Ukuba ufuna ukufanisa utyalo-mali lwakho kwiimfuno zakho zokurhoxisa uya kufuneka ukuba ukhethe ukhethe oko kukuthengisa xa kufika ixesha lokuthatha imali. Nangona isicwangciso sakho singakuvumeli ukuba ukhethe oko kukuthengisa xa uthatha umhlala-phantsi, ixabiso elizinzileyo lingakongeza ukuzinza kwipotfoliyo yakho, kwaye ukusondela ngokuya kumhlalaphantsi, ukuzinza ngokwengeziwe okufunayo.

Ezinye izinto zokusetyenziswa kwexabiso elizinzileyo

Andicingi ukuba abantu abaninzi bafanele ukuphatha ngokutsha utyalo lwabo, kodwa ukuba unako ukusebenzisa ixabiso elizinzile njengengxowa-mali. Njengoko utyalo-mali lwakho lokukhula (amashishini) ukhuphuka uya kuthatha inzuzo kwaye uhambise ezo zibe zixabiso elizinzile.

Emva koko xa imarike yezobulungisa ihla uyakwazi ukuhambisa imali kwixabiso elizinzile emva kokukhula. Akukho sikhombiso sale ndlela iza kuzisa iintlawulo eziphezulu ngaphezu kokulandela imodeli yolwabiwo lweefa . Njengomcimbi wokwenene kwizinto endizibonayo abaninzi abatyala-mali banokugqiba izigqibo xa bezama oku.

I-Advantage ye-Stable Value ne-Bond Funds

Kwabo abaya kufuna ukurhoxiswa ngokukhawuleza ukuxhamla kwexabiso elizinzileyo phezu kwexeshana elifutshane okanye eliphakathi kwexesha lexeshana lixhasi. Okanye, ngamanye amazwi, ukubuya okuhle kutyalomali lwakho kukubuyiswa kotyalo-mali.

Njengoko usondela ngakumbi kwinqanaba kwixesha apho uya kuthatha ukuhoxiswa oku kubaluleke ngakumbi.

Ukuba unokuthenga izibophelelo okanye ii-CD ngaphakathi kwiplani yakho engama-401k eya kuba yinto efanelekileyo njengoko ezo zityalo-mali zikhusele inqununu yakho kwaye ungayisebenzisa ukudala ireyithi yengeniso okanye i-ladder ladder , kodwa njengoko ezo zikhetho zingekho kwisicwangciso se-401k Ixabiso elizinzile liba yinto efanelekileyo.

Ukubhengezwa: akukho nto kule nqaku ijoliswe ukuba yinconywa yotyalo-mali okanye ayiyitshintshi isiluleko sotyalo-mali. Zonke iimali-mali zineengozi.