Chirongwa cheEquity Glide Paths uye Asset Allocation
Munhu wose anoda kuwana nzira yakanakisisa yekushandisa mari yavo mukurega basa. Kuti vaongorore nzira dzakasiyana-siyana dzekutsvaga kwekutsvaga, vatsvakurudzi vanowanzotanga ne izvo zvinonzi "kuenzanisa glide path".
Kuenzanisa glide nzira ndiyo kuchinjwa kunofungidzirwa, kana nzira, muhutengo hwekugovana kwekutsvaga kwako iwe uchiri wezera. Pasi apa pane mienzaniso yekutatu kwakasiyana-siyana glide nzira.
- Kuramba Equity Glide Path
Kuparara kwekuenzanisa glide nzira ndiko kwaunoita kuderedza zvishoma nezvishoma kugoverwa kwako kuhutano sezvaunokura. I "100 minus age yako" kutonga kwechigunwe ndeye muenzaniso wekuderera kuenzana glide path. Mutemo uyu wechigunwe unoti kuti uone kuti unofanira kupiwa mari yakawanda seiko (mashizha, kana kuti mari yekuenzanisa mari). Pazera remakore 60 iwe unenge uine makumi mana kubva muzana yemari yako yakabhadharwa mumari. Gore rega roga iwe unogona kuderedza mugove wako kune zvikamu ne1% uye nenzira yakafanana uwedzere kugoverwa kwako kuzvisungo. Izvi zvinonzi kuderedza kuenzanisa glide nzira, sezvo mari yawakagovera kune zvikwata zvingaderera paunenge wava nemakore.
- Static Equity Glide Path
Nhengo yepamusoro inotenderera inenge iri nzira iyo iwe unoshandisa imwe nzira yekugadzirisa mararamiro , zvakadai se60% kusvika kuhutano uye 40% kusvika kuzvisungo. Gore roga roga iwe unogona kudzokera shure kune icho chinangwa chawakagoverwa, kana kana iwe uri kutora zvisizvo usingashandisi nzira yekugadzirisa nzira iwe unotora zvakakwana kubva kune imwe neimwe yega yega yefa yekuti shure kwekubvisa kwako kugoverwa kwakaramba kuri 60% yezvikamu uye 40% yakagadziriswa mari.
Kushandisa muenzaniso wakajeka unofunga pakutanga kwegore iwe une $ 100,000 uye 60%, kana $ 60,000, uri mune stock index fund uye 40% iri mubat index index. Pakupera kwegore vanofungidzira kuti mari yekuchengetedza mari inochengeterwa $ 65 000 uye bhadha index index inokwana $ 41,000. Iye zvino fungidzira iwe unoda kutora $ 4,000 kubvisa. Mushure mokunge maenda, muchava ne $ 102,000 kubva. Kuti uchengetedze kugoverwa kwema 60/40 iwe uchada kuva ne $ 61,200 yakasara muhurumende uye $ 40,800 muzvisungo. Nokudaro iwe waizotengesa $ 3,800 kubva mune yako index index fund uye $ 200 zvebhandi yako. (Ok, chaizvoizvo iwe ungangodaro usina kuisa bhizimusi kutengesa madhora mazana maviri emadhora ako - iwe unogona kungotora $ 4,000 kubva kunze kwekuchengetedza mari sezvo $ 200 inova muwandu husinganzwisisiki hwakaenzana nehukuru hwepodfolio uye kana pane kutengeserana mari inogona kunge isinganzwisisi kubhadhara mari ye $ 200, asi ini ndiri kushandisa iko pano nokuda kwekuenzanisira nzira yekuchengetedza kuenzaniswa kwechimiro chengano.)
- Kukurira Equity Glide Path
Kuwedzera kwehutano glide nzira inogona kuva nzira iyo iwe ungatanga nechikamu chikuru muzvisungo (zvakadai nekugadzira bhanhire yakanakira apo zvibvumirano zvinokura gore roga roga kuti zvizadzise kudiwa kwako kudiwa), zvichida makumi manomwe kubva muzana rako, uye zvishoma nezvishoma kupedza iyo pasi, ichibvumira chikamu chikamu chenhoroondo yako kukura kudarika nguva. Nokudaro, sezvaunenge uchikura, kugoverwa kwako kwezvikwereti kwaizowedzera zvishoma nezvishoma, uchifunga kuti vakagamuchira mukana wakanaka wokudzoka.
Iko Equity Glide Paths Inoshandiswa mu Mutual Funds
Izwi rokuti equity glide nzira yakatanga kushandiswa kakawanda pamwe nekuwedzera kwenhamba yekutsvaga zuva rekubhadhara mari . Chimwe chikwereti chechirongwa chinowanzova negorenda regore muzita remari, sezvinodiwa Target Date 2030, uye mari inowanzotarisirwa kuitira kuti uwandu hwehuwandu hunoderera sezvo iwe pedyo nechinangwa chezuva. Izvi zvinowanzoitwa kuburikidza nekuderedza kugoverwa kune zvikwereti sezvaunoswedera pedyo nechinangwa chechikwata chacho. Kunyange zvazvo mbiri dzakatarwa zuva iro mari inogona kuva nemusi iwoyo, wakadai sa2030, inogona kuiswa zvakasiyana zvakasiyana zvichienderana nehutano hwavo glide path. Chimwe chikwereti chinogona kusvika kune chinotarisirwa zuva nechokugoverwa chiri pedyo nezvose zvisungo, asi imwe inogona kusvika kune zuva rayo rinotarirwa nekugoverwa kwe50% kuzvisungo.
Ndeipi Yakanakisisa?
Hapana nzira yekuziva, nguva isati yasvika, rudzi rwakadini rwekuenzanisa glide nzira inounza zvakanakisisa mugumisiro wehupfumi nemamiriro ekutengeswa iwe uchasangana nawo mumakore ako ekurega basa. Nzira yako yakanakisisa ndeyokusarudza kugoverwa kwaunoda kushandisa uye kuchengeta iyo nenzira yakarangwa. Chinhu chakanyanya kuipa chaunogona kuita ndechokuti nguva dzose uchinje pakati pekufamba.