Ipi Mari yeAmerica Izvo Zvakanakisisa Zvokurapa uye 401 (k) Zvirongwa?
IAmerica mari yemhuri yemari pamwe chete, inopiwa neGoli Group, ndiyo yechitatu yepamusoro munyika yose, mushure mekutengeserana kwevanhu guru, Vanguard uye Fidelity, zvichienzaniswa nehupfumi huri pasi pehutungamiri.
Kuvapo kwavo kukuru muna 401 (k) zvirongwa muUnited States chikamu chikuru chekubudirira ikoko.
Saka, pasinei nokuti iwe uri mushandirwi, mutungamiri wekutsvaga mari, kana mushandi anoda kusarudza mari yakanakisisa yeurongwa wako hwebasa rekurasikirwa, iwe unoda kutarisa mari yakanakisisa yekuAmerica kutenga 401 (k) zvirongwa .
Chikonzero nei Mari dzeAmerica Dzinoshanda Zvakanaka muna 401 (k) Zvirongwa
Mari yeAmerica inoita zvakanakisisa 401 (k) hurongwa hwekushandira mari nekuda kwekuti vanoita kukunda-kukunda-kukunda mamiriro ezvinhu, kureva kuti mapoka makuru matatu anobatanidzwa - mushandirwi, mutungamiri wekutsvaga mari uye mushandi anobatanidzwa muchirongwa - kumira kuti abatsirwe kubva pakuvashandisa.
Kuda kwebashandi pakupa zvakanakisisa 401 (k) hurongwa hunogoneka ndeyekukwikwidza. Kana iwe uchida kuhaya vashandi vakanakisisa, iwe uchada kupa zvipo zvakanaka. Hungu, vashandi vanoda kuona michero yakafanana yekambani asi vanofarirawo kuona sarudzo yepamusoro yekusarudzwa kusarudza kubva zvakare.
Vashandi vakachenjerawo kuisa kusarudzwa kwakasiyana-siyana kwepamusoro-soro, mari inodhura mari pamwe chete mumakore 401 (k) zvirongwa zvavanopa nokuda kwebasa ravo rekuchengetedza mukutarisa kune vashandi vavo zvakanaka. Mumashoko akasiyana, vashandi vanomiririra mutemo kupa zvikodzero, nguva-yakaongororwa kusarudzwa kwekutsvaga mune 401 (k) zvirongwa.
Prudent inowanikwa mazano vapeji vanozivawo kuti vanoda kukurudzira mari yakanakisisa yemari inokodzera kune vashandi venguva refu nekuti vanewo mutoro wekutarisira mukuisa zvido zve 401 (k) vatori vechikamu mberi kwavo. Asi kurumbidza hukuru hwemari uye kubhadharwa zvakanaka kuti uite izvi kunogona kuva dambudziko. Iyi ndiyo iyo mari yeAmerica inoshandiswa kune vadzidzisi.
Nei Vatengesi Vanofarira Kushandisa Mari Yakanakisisa yeAmerica yekuRarika
Shandhu dzevatengesi nedzimwe mhando dzevanachipangamazano vanobhadharwa nekomisheni yakafanana nokushandisa mari yeAmerica nekuda kwekusiyana kwavo kwekugadzirisa mari pamwe nepamusoro-yevhareji yezvakare zvekudzoka uye pasi- yehuwandu hwemari yekuenzanisa, vachiri kupa nzira yekubhadhara makomisheni kana trailer kune broker.
Vatungamiri-based counselors havawanzoshandise Vanguard kana Kuvimbika nokuti vechokwadi vasiri mari yemutoro; asi mari yeAmerica inobhadhara mitoro kana 12b-1 mari inoenda kundokubhadhara mutengesi.
Mukupfupisa, vatengesi vanoda mari yeAmerica nekuda kwekugona kwavo kwakasiyana-siyana kupa hukuru hwepamusoro pamutengo wakaderera pavanowana kambani kana kukanganisa zvakare.
American Funds R Inoshandiswa: 'R' Ndeyekusarura
Zvizhinji zvemazana emapoka emhando yemari yeAmerica pamusika ndeye A masangano (mberi-mutoro) kana kuti masangano B (mutoro wekudzoka kana kuti kutengesa kushandiswa kutengesa mutengo).
Asi mitoro isingashandisi muna 401 (k) zvirongwa nekuda kwehutano hwehutungamiri uye mari (fungidzira mitoro iri kutengesa kutenga kwose kana nguva dzose apo vatori vechikamu vanochinja).
Kuenderera mberi nekutengesa mhosva yekutengesa mu 401 (k) zvirongwa, vatengi vanogona kushandisa maR anotsigira zvirongwa zvekurega basa semakore 401 (k) s. R kugoverana mari yeAmerica haina mutoro wepamusoro kana mutoro wekutengesa kutengesa asi vazhinji vavo vanobhadhara mari ye 12b-1, kusvika pamutemo we 1.00 muzana.
Sezvo mari inoshandiswa ichi chinhu chinokosha pakudzoka kwenguva refu (zvimwe zvinhu zvose zvakaenzana, zvikwereti zvepamusoro zvinokonzerwa nekudzoka kwakaderera), vatengesi vakachenjera kuti vatsigire kune mari inodhura R kubva kuAmerica mari.
Best American Funds 401 (k) Zvirongwa
Kunyange zvazvo 401 (k) vatori vechikamu havafaniri kusarudza kuti mari inobatana inopinda mune chirongwa che 401 (k), kunze kwekuti inenge iine komiti yekutsvaga ine simba rekusarudza mari yeurongwa, ivo vachiri kusarudza mari ipi invest in pakati peavo vakapa muurongwa.
Nokudaro urongwa urwu rwemari yakanakisisa yeAmerica yemakore 401 (k) zvirongwa zvinowanzotarirwa kune avo vanoita zvisarudzo (vashandi, vatrusti, uye vapeiri); asi ruzivo rwacho runobatsirawo 401 (k) vatori vechikamu. Nokuenzanisa zvinangwa, ini ndichapa mari yeA share class, iyo kazhinji inowanzozivikanwa kutenga kunze kwe 401 (k) zvirongwa, uye iyo inodhura zvikuru R share version, iyo inowanikwa mazana R6:
- American Funds Growth Fund yeAmerica: Ichi chikwereti chikamu chikuru chekutsvaga mari, zvinoreva kuti iwe uchasvika pamatokari akaita seAmazon (AMZN) uye Alphabet (GOOG). Kunyange zvazvo isati iri muitiro wepamusoro muAmerican money lineup, Growth Fund yeAmerica, ndeye yekare uye yakavimbika. Ikoti R-6 (RGAGX) ine mari ye 0.33 muzana chete, iyo inofananidzwa ne 0.66 muzana yeA A shares (AGTHX).
- American Funds Vashandi Vanokosha: Imwe yepamusoro-soro yemari inowanikwa muAmerica mari, iyo Mari inokosha yeVashandi yakagara ichiitwa muzana gumi yepamusoro yemari mukabatanidzwa huru. Kune vashandi vanotsvaga kutarisira kushingaira, izvi zvinokonzera kuti mari yacho iwane nzira yakanaka kune S & P 500 index index fund. Nhengo dzeR-6 (RGAGX) dzinoshandisa mari ye 0,31 chete, iyo inofananidzwa ne 0.61 muzana yeA A shares (ANCFX).
- American Funds Washington Mutual: Kana uri kutsvaga mari yakawanda-yekodzero yemari kuti uenzanise nekukura kwako uye blend fund, Washington Mutual isarudzo yakakosha. Mari iyi yakareba kwenguva yakareba (kutanga 07/31/1952) uye kushanda kusingagumi kunoita Washington Mutual kubhadhara mari yakawanda. IR share shares (RWMGX) ine chikwereti chemari ye 0,30 muzana uye A share share ine mari ye 0.58 muzana.
- American Funds Smallcap World: MaAmerica mari ane unhu hwakakosha hwemari yakawanda inotarisa pamatokari eU.Asi kana uchida mari yakaipa ine zviduku-uye mid-cap-stocks kubva kumativi ose enyika, Smallcap World fund ndiyo yakanaka chisarudzo. R6 masangano (RLLGX) ane mari ye 0.71 muzana uye A shares (SMCWX) mari inosvika 1,10 muzana.
Mari yekuAmerica yemari inosanganisira mamwe akawanda akasarudzwa asi aya mana ndiwo muchero wezvirimwa. Ihwo humwe utera huripo neAmerica mari ndeyekusarudza mari yezvisungo. Kana 401 (k) zvirongwa zvinopa mari yakaenzana, kutaura kunoremekedzwa ndeyeAmerican Funds Balanced Portfolio, (BLPAX yeA shares uye RBAGX yemari R6).
Zvakakoshawo kuziva kuti izvi zvinowanikwa mari zvakanaka kunze kwekuti chikamu chikamu. Zvisinei, pasi inodhura chikamu chiri nani, uye yeuka kusarega kutakura mitoro.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.