Ixesha kunye nexesha lokusebenzisa i-target target funds
Ngaba ujoliswe kumhla wokuhlala umhlalaphantsi imali efanelekileyo?
Mhlawumbi inzuzo enkulu kunazo zonke kwiimali zomhlalaphantsi ekujoliswe kuzo zilula.
Ngokubeka isabelo esifanelekileyo se- asethi kumhla wokuthatha umhlala phantsi, kwaye ngokuthe ngcipheko ukunciphisa amasheya kunye nokwandisa izibophelelo malunga nexesha, isikhwama somhlala-phantsi somhla wokujoliswa kwemali, kwi-theory, senza konke ukunikezwa kweefa kunye nokukhethwa kwe-mali. Kodwa ibinzana eliphambili kwesi sivakalisi "lombono."
Oku kungenxa yokuba akukho "ubungakanani obufanayo-obufanayo-bonke" isakhiwo sephothifoliyo. Ngeendlela ezininzi zokuqwalasela, ezifana nokulindela ubomi, ukunyamezeleka kwengozi, kunye neyezinye iikhompyutheni zokulondoloza imali yokuxhasa imali, umphathi wenkxaso yemali yomhlalaphantsi ayikwazi ukuba ukuba ukwabiwa kwempahla kunye nokukhethwa kwezinto zokutsalwa kwezimali, ngokwenene, ukuxuba ngokufanelekileyo kwanoma yimuphi utyalomali. Umphathi wezikhwama unokusebenzisa kuphela iziqhelo kunye nemimiselo, efanelekileyo okanye engafanelekanga kwabanye abantu.
Ngokuqondakalayo, abatyali-mali abaninzi abanalo umnqweno okanye ixesha lokufunda indlela yokwakha iipotifoliyo yemali yomhlala-phantsi yomhlalaphantsi.
Abanini-zimali abaninzi banokudideka malunga nendlela yokuguqulwa kweefa zabo ngokwexesha ukwenzela ukuba lilungele umhlalaphantsi njengoko umhla wokujoliswa usondela.
Ngokomzekelo, ubulumko obuqhelekileyo ngekhulu lama-20 kwakukho ukuba ulwabiwo lwakho lwabiwo lineminyaka yakho kunye nemasheya eseleyo. Ngoko ke, ukuba uneminyaka engama-55 ubudala, uza kuba u-55% kwiibhondi kunye no-45% kwiimpahla.
Nangona kunjalo, singenkulungwane ye-21 kwaye ngoku ukuba izilwanyana zobomi ziye zakhuphukela kwiminyaka engama-70, umhlala-phantsi kufuneka uqaphele ukuba angayithobeli, ngokukhawuleza.
Ukuba akunjalo nangasiphi na esinye isizathu, umviwa ogqithiseleyo kumhla wokuxhaswa ngumhlalaphantsi ngumntu onayo okanye yonke imali yokugcina umhlala-phantsi kwi-akhawunti enye, njengowama-401 (k) okanye i-IRA, kunye nomntu ongenayo umnqweno, ulwazi okanye ixesha lokufunda malunga nesakhiwo seepotifoliyo kunye nezicwangciso.
Eyona nto ihlawulwe ngokusisigxina kwimali yomhlalaphantsi
Umntu oqhelekileyo usebenzisa iimali zomhlala-phantsi zomhla wokuthatha umhlala-phantsi angenakunomdla ekuphandululeni iimakhulu zokukhetha ezikhoyo kubaotyali namhlanje. Ngokufanayo nokukhetha ezinye iimali eziphathekayo, i-finance date target will be those with a combination of below-average average cost , iiprofayili ezixhamliweyo kunye neephotofoliyo ezahlukahlukeneyo kunye nomyinge ophakathi kokusebenza kwexesha elide . Kukwabulumko ukuba uqwalasele kuphela umhla wokujoliswa kweemali ezinokubakho ubuncinane ubuncinane beemali eziyiminyaka emihlanu.
Ngaloo nto yathi, ndikunika iifama zengxowa-mali ezixhasayo zinikela umhla wokugqibela umhlala-phantsi womhlala-phantsi ogqithise ukhetho lwam lokukhetha:
- Iingxowa-mali zengxowa- mali : Ulawulo lweendleko eziphantsi kweendleko zexabiso elincinci luyiyokhetho yendalo ekujoliswe kuyo ekujoliswe kuyo kwintsapho ekuxhomekeke kuyo. I-Vanguard ayikho kuphela igalela imali yabo yokuthatha umhlala-phantsi iminyaka engaphezu kwe-10, basebenzisa imali yabo yenkcazo njengemigqaliselo ephantsi kwipotfoliyo nganye. Ngoko ke abatyali-mali basebenzisa i-Vanguard target target funds baqinisekiswa ukuba ubuncinane "buyingenelo" buyisela kunye neepowfoliyo ezahlukahlukeneyo.
- Utyalo-mali : Ufana neVanguard, Ukunyaniseka kunokhetho olunzulu lweemali ezidibeneyo kunye ne-Freedom Funds. Ukunyaniseka kuye kwanikezela ngemali yokuthatha umhlala-phantsi ngexesha elide kunokuba ezinye iinkampani zengxowa-mali kunye nerekhodi yabo ende zibonisa ubuchule bazo ekwakheni iiposfoliyo eziphantsi kweendleko eziphantsi.
Kukho ezinye iindidi zeengxowa-mali ezidibeneyo ezibonelela ngemali yoxanduva lomhlalaphantsi. Oku kuthethwa ngambeko apha yiT.Rowe Price Mutual Funds . Abazange banqumle ngenxa yokuba iiphothifoliyo zabo zivame ukuba neendawo eziphezulu zokugcina amasheya kwizibonelelo zabo. Oku kwenza ukuba kubekho umsebenzi ophezulu, onokuba ngumnqophiso onengqiqo kwiminyaka yokuqala yokugcina umhlalaphantsi, kodwa ingozi ephezulu ephezulu (kunye nokubuya okuphantsi kweemarike) kunokuba yinto engathandekiyo kubanye abatyali-mali abanokunyamezela .
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.