Iro 4% Rule muHorera
Mutemo we4% wekushandira mari unoreva kubvisa kwako kutora : chiyero chegore rose chekutanga kwepodfolio yako kukosha kwaunogona kubvisa kubva pane chikwereti chezvikwata uye zvisungo pakubhadhara.
Somuenzaniso, kana iwe uine $ 100,000 paunotora basa, mutemo we4% ungati iwe unogona kutora chikamu chinenge 4% chechiyero ichocho, kana $ 4,000, gore rokutanga rokubvisa mari, uye kuwedzerwa chiyero ichocho nekutengesa, uye kuti mukana wakanaka yakakwirira (95%) iyo mari yaizotora kwemakore makumi matatu, achifunga kuti chikamu chako chepodfolio chaive 50% mashopu / 50% zvisungo.
Nhoroondo ye 4% Rule
Mutemo we4% wakatanga kupararira mushure pepepu ya1998 inotumidzwa seUtatu Chidzidzo. Zita chairo repepa reRetirement Savings: Kusarudza Kurega Kuda Kwekugadzirisa.
Kunyange zvazvo hutongi hwe4% hwave huchinyorwa se "kuvhara kwakachengeteka" kuti ushandise mubasa rekusiya basa, hapana kupi mune pepati rinotaura nezvazvo nenzira iyi.
- Mamwe mapepa emapepa aya andinoona anofadza ndeaya:
- "Vazhinji vatiza mari vangangobatsirwa nekugovera zvikamu makumi mashanu kubva kune makumi mashanu kusvika kune mamwe mashizha."
- "Vavengi vezvematongerwo enyika vanoda kuti CPI-yakagadziriswa kuregererwa pavanenge vachirasikirwa kwemakore vanofanira kubvuma kuwedzera kuderedza kushandiswa kwehupfumi kubva pachikwata chekutanga."
- "Pamusoro pezvikwata zvepamusoro-soro, kuregererwa kwema3% uye 4% kunomiririra maitiro akawandisa."
Mhinduro ku 4% Rule
Vanyori veChidzidzo cheUtatu vakabudisa tsvakurudzo yakatsvaga mu Journal Of Financial Planning muna 2011. Unogona kuiwana pa: Portfolio Mafambiro Okubudirira: Ndeipi Yokudhonza Mutsara.
Mhedziso haisati yachinja. Mariri vanoti,
"Muenzaniso wekutsvaga unoratidza kuti vatengi vanofunga kuita gore negore kugadziriswa kwezvigadzirwa zvekutsvaga kwekugadzirisa zvinhu kunofanirawo kuronga kupera kwepakutanga kubuda kwezvikamu mu 4 kubva kuzana kusvika ku5 muzana, zvakare, kubva pamapostifoliyo e50% kana akawanda akawanda-kambani akabatwa mashizha, kuitira kuti kugadzirisa kuwedzera kwehupenyu munguva yemberi. "
Wade Pfau, mudzidzi ane ruzivo mune zvekuripira mari, akataura pamusoro pekudzidza uku muRetirement Researcher Blog paUtatu Dzidzo Updates.
- Mamwe mashomanana emashoko aWade anoita ndeaya:
- "Utatu kudzidza hazvibatanidzi mari yekubhadhara mari."
- "Mutemo we4% hauna kutongomira mune dzimwe nyika dzakawanda dzakashambadzirwa sezvazviri muU.S."
- "Dzidziso yeUtatu inofunga nezvekurega basa kwemakore makumi matatu. Ndapota ramba uchiyeuka kuti kune vakaroorana vaviri vari vaviri vanopera pazera remakore makumi matanhatu nemashanu, kune mukanano wakanaka wekuti mumwe wevakaroorana vanorarama kwenguva yakareba kupfuura makore makumi matatu. "
Chii chandinofunga pamusoro pe4% Rute?
Mutemo we4% mukurega basa haufaniri kutumidzwa semutemo. Ndanzwa mumwe mutori wenhau achitaura nezvezvinhu izvi se "mitemo yezvimumumu" pane "mitemo yegumbo".
Ndinofunga kuti aya "mitemo" inofanira kutumidzwa semitemo yakawanda. Kana iwe uchida pfungwa yakawanda yekubhadhara mari yakawanda mari yako inogona kuchengetedza, mutemo we4% unokuudza kuti zvichienderana nechishuwo chako chekuti mari yako yekusununguka ichengetedze nehuwandu hwekuwedzera, unogona kutora madhora madhora 4,000 - $ 5,000 pagore nokuda kwe $ 100,000 iwe wakapa mari, uchifunga kuti iwe unotevera musanganisi wepodfolio uye ne50% yepodfolio yako muzvikwata (kana ndikati mashesi ndinoreva zvikamu zvakasiyana-siyana zvepeji yemari yekuisa mari ).
Chimwe chinhu chokuchengeta mupfungwa; kushandisa mutemo uyu hakurevi mitero. Kana iwe ukabvisa $ 4,000 kubva kuIRA, iwe uchabhadhara federal uye hurumende mitero pamutengo iwoyo, kuitira kuti $ 4,000 kubviswa kwako kungangobhadhara $ 3,000 emari inowanika kupedza.
Unofanira Kushandisa 4% Rule?
Kunyange zvazvo mutemo we4% wekurega basa ungapa hurumende yakawanda, handifungi kuti ani nani anofanira kuchishandisa kuti asarudze kuti vangabvisa mari yakawanda sei pagore rekurega basa.
Sezvakangoitika, chero bedzi ndave ndichiita (kubvira muna 1995 - mberi kweChidzidzo cheUtatu chepakutanga chakabudiswa) Handisati ndaona chirongwa chemari yekubvisa mari apo patinenge tichibvisa pane 4% yehuwandu hwehupfumi.
Pane kudaro, rimwe nerimwe rinouya richibva kune rimwe rayo rinotarisana nemamwe mazano anotarisirwa emari, mararamiro emari inoshandiswa, mararamiro anotarisirwa, anotarisirwa mutero wegore negore, nezvimwe zvinhu zvakawanda.
Kana iwe ukavaka chirongwa chekushandisa mari yakanakisisa, inogona kutungamirira kune zvimwe zvisizvo mune mamwe makore, uye zvishoma mune vamwe.
Chimwe chikonzero mutemo we4% unova mumiriri ndewekuti kana iwe ukazosvika makore makumi manomwe ½ iwe unofanirwa kutora zvisizvo kubva kuIRAs yako uye gore roga roga iwe uchikura, unofanira kubvisa mari yakakwirira. Ichokwadi, haufaniri kuripedza - asi iwe unofanirwa kuibvisa kubva kuIRA, izvo zvinoreva kubhadhara mitero pairi. Izvi zvinoda kugoverwa zvishoma zvinotsanangurwa nemaitiro uye chirevo chinoda kuti iwe utore zvinopfuura 4% zvekubatsira kwako kwebhuku apo iwe uchikura.
Iro 4% Rule Rinoramba Richishanda Sekutungamirirwa?
Muna pepa ra2013, The 4 Percent Rule Haisati Yakachengetedzwa Munyika Yakaderera Zvibereko Munyika Yose Michael Finke, Wade Pfau, uye nyika yeDavid Blanchett iyo,
- "Kubudirira kwebumbiro re4% muUnited States kunogona kuva nhoroondo isina kukanganisa, uye vatengi vangada kufungisisa maitiro avo emari ekurasira mari yakawanda kupfuura zvakanyanya pane kuvimba chete pamusoro pekugadziriswa kwekugadziriswa kubva kune chikwereti chinotyisa."
- "Mutemo we4% haugone kurapwa sekuchengeteka kwekutanga kutora huwandu hwehuwandu hwemari inowanikwa pasi pemazuva ano."
Iyi pepanhau inoratidza kuti zvinotarisirwa zvingada kuongororwa sezvakaitwa zvidzidzo zvepakutanga zvaive zvichibva pane zvakaitika kare munhoroondo apo bhizinesi rinobereka uye mugove wekugovera pamatokisi zvaive zvakakwirira kudarika zvatiri kuona nhasi.
Chimwe chinyorwa chisiri chechikoro chinotsanangura ichi chinogona kuwanikwa paine hutsika hwakasununguka huripo, '4% retiree' mitemo haisi kushanda nguva dzose.