Ingqiqo ye-Equality Glide Paths kunye neAfa yeSabelo
Wonke umntu ufuna ukufumana indlela engcono kakhulu yokutshala imali yabo ngomhlalaphantsi. Ukuze kuhlolwe iindlela ezahlukahlukeneyo zotyalo-mali, abaphandi bavame ukuqala nento ebizwa ngokuba yi-"equity glide path".
Umendo we-glide yindlela yokuguqulwa, okanye umendo, kwi-asethi eyabelwe utyalo lwakho njengoko uneminyaka yobudala. Ngezantsi zimizekelo yeendlela ezintathu zokulingana ezahlukeneyo.
- Ukunciphisa i-Equity Glide Path
Ukunciphisa ukulingana kwe-glide umzila apho uyanciphisa ngokunyanisekileyo ukwabiwa kwakho kwiimali njengoko ukhula. Ulawulo lwe-"100 lokunciphisa ubudala bakho" lugqithiso lumboniso ngumlinganiselo wokunciphisa umlinganiso. Lo mgaqo wesohlwayo uthi ukucacisa ubuninzi obufanele ubenikwe kwii-equities (amasheya, okanye i-index index index) kufuneka uthabathe ikhulu leminyaka yakho yangoku. Xa uneminyaka engama-60 uza kuba ne-40% yemali yakho etyalo-mali. Unyaka ngamnye uza kuncitshisa ulwabiwo lwakho kwii-equity nge-1% kwaye ngokukhawuleza ukwandisa ukwabiwa kwakho kwiibhondi. Oku kubizwa ngokuthi ukuhla kwe-equity path glide path, njengoko imali oye wabelwe kwii-equity iza kuhla xa uneminyaka yobudala.
- I-Static Equity Glide Path
Ulungelelwano olusisigxina luya kuba yindlela ekugcina ngayo isabelo esithile sesicwangciso-mali , njengama-60% kuma-equity kunye no-40% kwiibhondi. Unyaka ngamnye uza kubuyela emva kweso sabelo ekujoliswe kuso, okanye ukuba uthabatha ukurhoxiswa usebenzisa indlela yokurhoxiswa ngokuchanekileyo uza kuthatha ngokwaneleyo kwinqanaba ngalinye leefasithi ukuba emva kokurhoxiswa kwakho ulwabiwo lwahlala kuma-60% amanani kunye ne-40% engenayo engenayo.
Ukusebenzisa umzekelo olula ukuqala ekuqaleni konyaka unayo i-$ 100,000 kunye ne-60% yayo, okanye i-$ 60,000, kwi-index index ye-stock kwaye i-40% ekhompyutheni yebhondi. Ekupheleni konyaka kuthatha i-stocks index ye-stocks ngoku ixabise i-$ 65,000 kunye ne-index index yebhanki ixabise i-$ 41,000. Ngoku uthatha ukuba kufuneka uthabathe u-$ 4,000. Emva kokuba uhoxise, uya kuba needola ezingama-102,000. Ukugcina ulwabiwo lwe-60/40 uya kufuna ukufumana imali engama-61,200 ama-equity kunye ne-40,800 zama-bond. Ngaloo ndlela uza kuthengisa imali engama-3,800 kwi-index index yakho kunye ne-200 yakho yengxowa-mali. (Ok, ngokwenene ungeke ubeke urhwebo ukuthengisa i-200 yakho yekhredithi yakho yebhondi - unokuthi uthathe i-$ 4,000 epheleleyo kwingxowa-mali ye-stock index njengokuba i-$ 200 iba yinto engabalulekanga ngokuphathelele ubungakanani bepotfolio kwaye ukuba kukho Iindleko zokurhweba okungeke kube nengqiqo ukuzihlawulela ukurhweba i-$ 200, kodwa ndiyisebenzisa apha ngenxa yokubonisa indlela yokugcina ukulingana kwe-static.)
- Ukuphakama kwe-Equity Glide Path
Umzila we-glide okhulayo uya kuba yindlela apho ungaqala ngayo inxalenye enkulu kwiibhondi (njengokudala i- bond ladder apho iibhondi zikhula rhoqo ngonyaka ukuze zihlangabezane neemali zakho zokurhoxisa ezifunekayo), mhlawumbi i-70% yepotfolio yakho, kwaye uchithe phantsi, ukuvumela ukuba inxalenye yesabelo se-akhawunti yakho ikhule ngaphezu kwexesha. Ngaloo ndlela, njengoko uneminyaka yobudala, ulwabiwo lwabiwo mali luya kukhula ngokukhawuleza, becinga ukuba bafumana ixabiso elihle lokubuyisela.
Indlela i-Equality Glide Paths ezisebenzisayo ngayo kwi-Mutual Funds
Ixesha elilinganayo le-glide laqala ukusetyenziswa rhoqo ngokunyuka kwinani leemali zokuthatha umhlala-phantsi . Umhla wokujoliswa kweengxowa-mali unomnyaka wekhalenda egameni le-fund, njenge-Date Target 2030, kwaye imali ihlala ilawulwa ngoko mgangatho wengozi uyancipha njengoko usondele kumhla ojoliswe kuwo. Oku kufezwa ngokunciphisa ukwabiwa kwamashishini njengoko usondela kumhla wokujoliswa kwenkxaso. Nangona iimali ezimbini ezijoliswe kuzo ziba nomhla ofanayo, njengama-2030, zinokutsalwa imali ngokuthe ngqo ngokuxhomekeke kwi-glide path path. Enye ingxowa ingafikelela kumhla wayo wokujolisa kunye nolwabiwo oluphantse kubo bonke amabhondi, ngelixa elinye lingakwazi ukufikelela kumhla wokujoliswa kwalo kunye nokwabiwa kwama-50% kwiibhondi.
Yiyiphi ephezulu?
Ayikho indlela yokwazi, kwangaphambili, uluphi uhlobo lokulingana lwe-equity glide oluya kuzisa isiphumo esihle kwiimeko zoqoqosho kunye neemeko oza kuhlangabezana nazo kwiminyaka yakho yomhlalaphantsi. Okukhethwa kukho kukukhetha indlela olwabiweyo ofuna ukuyisebenzisa nokuyigcina ngendlela efanelekileyo. Into eyona nto ungayenzayo ishintsha rhoqo phakathi kweendlela.