Chii Chine Simba Rinokosha Chikwata?

Stable Value Funds Inogona Kuva Nzira Dzakashata Dzakasvibisa Kuzvikwereti

A stable value fund inochengetedza mari yekuchengetedza mari, yakadai semari yemari yemari . Kunyange zvakadaro mari yakachengetedza mari inozivikanwa kuti inopa zvibereko zvishoma zvakanyanya kupfuura misika yemari, pasina ngozi yakawedzerwa yakawanda. A stable stable value fund ndiyo inowanikwa mukuchengetedza mari. Mune mamwe mazwi, mari inochengetedza kukosha kwemari yako, pasinei nokuti izvo zviko kana mabhizimusi ari kuita sei. Iko ngozi shoma, asi kudzoka kwaunowana kwakaderera zvakare.

Inopfuura $ 821 mabhiriyoni inotengeswa mumari yakagadzikana yemari. Inenge hafu yezvese 401 (k) zvirongwa zvinopa mari yakachengetedza mari uye mamwe mapurogiramu ekuchengetedza makoreji 529 anopawo urongwa hunochengetedza hwekutsvaga. Ihwo hutsika hutsika hwemhando iyi yekutsvaga hunotipa kudzorera kwakasimba, kusingagumi kunogona kubatsira kupa zvikwata zvechikwata nehumwe hutano hwekusiyana-siyana mune imwe nzvimbo yekugoverwa kwemari.

Zvose Zviri Mugwaro Rokuputira

Simba rinokosha mari inowedzera muzvikwereti zvakagadziriswa mari uye zviputi zvekuvhara kana "wrappers" inopiwa nemabhangi nemakambani einishuwarenzi. Kuvhara zvibvumirano zvinowanzovimbisa mumwe mutungamiriri uye chido chekuda kwekudzoka, kunyange kana hupfumi huri pasi hunoderera mukukosha. Saka vanopa kunyange kudzivirirwa kwakanyanya kubva kune chido chekuda kuwedzera kubva kuzvisungo. Mutengo wekudzoka unoramba wakasimba, kunyange kana zvimwe zvose zvisingaiti. Izvozvo hazvirevi kuti havazomborasikirwi. Munguva yemusika kukakavara kwegore ra2008, mari yakasimbiswa mari yakaderera mukukosha zvishomanana, mumwe munhu wekukundikana kweLehman Brothers uye zvichiita kuti awane chikwereti.

Asi kurasikirwa kwacho kwakanga kusiri kuenzaniswa nedzimwe misika. Enzanisa kugadzikana kwekukoshesa mari 'kudzoka kwema2,5% muna 2008 kune S & P inoparadza -37% kudzoka mugore iroro.

Kuvhara zvibvumirano zvinogona kukonzera zvinetso zvekudzivirira izvo zvisiri nyore nguva dzose kuona. Somuenzaniso, kana mushandirwi ane vashandi vakawanda vanosiya urongwa panguva imwe chete, izvi zvingakanganisa kukosha kwezvinhu zviri muurongwa.

Izvi zvine chokuita nehuwandu hwebhuku hunofananidzwa nemari yemari. Bhuku rinokosha ndiro kukosha kwechibvumirano kana hupfumi huri pasi, munyaya iyi, zvipo pamwe nemari inowanikwa nevana vanobvisa kubva kubhuku. Sangano Rinokosha Investment Association rinotaura kuti dzakawanda zvezviitiko izvi zvinogona kubatwa uye kugadziriswa kuti zvivepo. Kunyange iyo komiti yehurumende ichiona mari iyi muna 2009 yakawana kuti migumisiro yakadaro yakanga isingawanzoitiki.

Mhando dzeStable Value Funds

Sangano rekusimudzira mari rinogona kuonekwa semari pamwe chete, asi rakagadzirirwa uye rinotarisirwa zvishoma zvakasiyana. Vanouya mumarudzi mashoma:

• Nhoroondo dzinochengetwa zvakasiyana : Aya ndiwo maakaiti akachengetwa maakaiti akagadzirirwa kusangana nechinangwa chakanaka cherongwa hupi hwekusasiya basa. Kudzorerwa kunotsigirwa nezvinhu mune imwe nhoroondo, uye iyo inodzoka inogona kugadziriswa, inosungirirwa, kana inogona kugadzirisa gore negore maererano nekushanda kwemusika.
• Mari yakashandurwa : Iyi marudzi anobatanidza zvinhu kubva kune zvakasiyana-siyana, sezvinoitwa mutual fund. Izvi zvinobatsira zvirongwa zviduku kuwana pfuma yakawanda.
• Sangano Rinosimudzirwa Kuita Investment (GIC): Iyi ibhuku iyo maneja anotsvaga mu annuity, uye vashandi vari muurongwa hwokurasikirwa ndivo vanobatsirwa. Saka kune chivimbo chakachengetedzwa chekutanga uye chido.

• Synthetic GIC: Nhoroondo inotengeswa mune imwe nzvimbo yezvekutsvaga mari yakasimbiswa "yakaputirwa" muinishuwarenzi dzinochengetedza zvakakosha zvekutsvaga. Izvi zvinoumba huwandu huwandu hwemazuva ano emari yemari.

Nemhaka yokuti inogona kugadziriswa zvakasiyana, mari yakasimbiswa inoshandiswa inotungamirirwa nemasangano akasiyana-siyana. Vanotungamirirwa nemitemo yakagadzirirwa ne Financial Accounting Standards Board, yeHurumende Accounting Standards Board uye Dhipatimendi reVashandi reHurumende Retirement Revenue Act (ERISA). Mari yakakonzerwa inotungamirirwa zvakare ne SEC.

Chii Chinofanira Kuwanikwa nevatengi muStable Value Funds?

Kunyanya, kugadzikana kwebasa mari yevashandi vanofanira kutarisa mari iyo isingadhuri zvakanyanya. Kazhinji mari yakagadziriswa yezvigadzirisho mari inoshandiswa ichabhadhara mari inenge isingasviki ne 0.50%. Iva nehanya nehutano hwemari inoshandiswa kuripa 1% kana kupfuura.

Iwe unofanirwa kuverenga mari yekuti usabatsire.

Iwe unofanirwawo kuedza kudzidzisa iwe pachako nezvekubhadhara mari kana kuregererwa kushanda. Vabatanidzwa muhutano hwemari inoshandiswa havakwanisi nguva ipi zvayo yekumirira kupiwa mhosva. Asi panogona kunge pane urongwa hunoita kuti iwe urege kuendesa mari kubva kune imwe nzvimbo yakagadzikana yezvikwereti kusvika kune imwe chikwereti chekukwikwidzana, kana kuti pfupi-term bond bond kana mari yemari yemari. Iwe unogona kunge wakamirira mazuva makumi mapfumbamwe.

Ziva kuti mari haisati iine ngozi. Ngozi dzinogona kusanganisira kubhadhara chikwereti chekambani inoshandisa mari, iyo inshuwarisi inopa "wrapper," kana ikambani inonyanya kuisa mari muhomwe. Wako 401 (k) chirongwa chekugadzirisa chikonzero chinofanira kuita tsvakurudzo pano, asi hachikuvadzi kune vatengi kuti vanzwisise kuti zvirongwa zvichitsvaga.

Zvinonzwisisika: Zviri pamusoro pepaiti ino zvakapiwa ruzivo uye zvinokurukurwa chete, uye hazvifanirwe kushandiswa sezvinoitwa mazano ekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.

Yakarongwa naScott Spann