Mazuva ekutsigira mari anoita basa rokukugadzirira mari kuburikidza nekugadzira nguva yakakodzera yekugoverwa kwemafa uye kuenderera mberi kwekutarisira kwebhadharo shoma. Kana iwe une 401 (k) hurongwa, mukati meurongwa hwako iwe unogona kuona chinangwa chezuva iro mari inopiwa nemakambani pasi apa. Zvose isarudzo dzakasimba dzaunogona kunzwa uine chivimbo nazvo.
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01 T. Rowe Price
T. Rowe Price inofadza inoshandiswa mumutauro wekushandisa iyo inokubatsira kuwana chakanaka-chinangwa chekubhadhara mari yako, kubva pakatarwa kwekutsvaga basa kubva muna 2005 kusvika muna 2060. Mari yavo ye "Retirement 2025" inodhura gore rose .69% ( pasi pe1%).
T. Rowe Price inoti:
Pasinei nokuti uri kuisa mari yekurasikirwa kana kurarama mukurasira, zvakakosha kuchengetedza nguva yakakodzera yekugoverwa kwemahomwe uye zvisungo.
02 Vanguard
Iwe unogona kutsvaga kuburikidza neVanguard's Target Date mari nezera kana nemakore ekurega basa. Somuenzaniso, kune avo vari pakati pemakore makumi mashanu nemakumi mashanu nemana makumi mana nemakumi matatu nematanhatu (kubva muna 2016) vanorayira mari yavo 2020, iyo inoshandiswa mugore negore .14%.
Vanguard inozivikanwa kuva nemamwe emari yakaderera mumhizha; mari yegore negore pamusoro pemari yavo inenge imwechete-yechina yemhizha yevheji.
Mune mhaka yavo mari shoma haireve kutsika pasi. Hezvino izvo zvavanotaura pamusoro pekutsvaga kwezuva iro mari:
- Sophisticated retratirement saving yakagadziriswa.
- Yakasiyana zvakasiyana. Mari inomiririra inotenga mu 6,000-pamwe neAmerica mashizha uye zvisungo uye 2,000-pamwe nenyika dzakawanda dzekutengesa kubatsira kuparadzira dambudziko.
- Zvinotarisirwa iwe. Zvishoma nezvishoma zvive zvakanyatsochengetedza sezvo gore rako rekurega basa rinosvika-kuderedza njodzi kamwe chete.
03 Fidelity Freedom
Kuvimbika Rusununguko Target Funds ine nguva yakatarwa kubva muna 2015 kusvika muna 2055. Vanotsanangura mari yavo 2025 zvakakodzera kune mumwe munhu anoronga kupedza basa mumakore mashomanana a2025. Ane chiyero chemari che23% (pasi pe1%).
Kuvimbika kunoti:
Kutendeseka Kwekusununguka Mari, iyo inonziwo chinangwa chekuita mari, inoshandisa imwechete-mari yekutsinhanisa mari inogona kubatsira kubvisa mano ekugadzira nekuchengetedza chikwereti chekurega basa.
04 Schwab
Schwab Target Funds dzine mazuva akafanirwa kubva muna 2010 kusvika muna 2055. Vanotsanangura mari yavo 2025 sezvakakodzera kune mumwe munhu anoronga kupedza basa pakati pe2023 ne2027. Iine chiyero chemari che65.65 (pasi pe1%).
Schwab anoti:
Mari dzinoshandiswa zvepamutemo zvichienderana nechinangwa chako chinotarisirwa zuva rekurega basa. Chimwe nechimwe chekubhadhara mari iri nechinangwa chayo chekutsvaga chinangwa uye inogadzirisa zvigadziriswa zvayo kugoverana nekushandura kwako zvido zvemari munguva. Iyo Funds yakavakwa nechitarisiko chokuti iwe uchatanga kupedza zvishoma nezvishoma mari yekubhadhara mari pane zuva rinotarisirwa, kutanga kuvhara mari yekutora basa.