Izvozvo Zuva Rinodiwa Mari Chii
Chimwe chikwereti chechirongwa chegore rino chine gore rekarenda muzita remari, saT Target Date Fund 2020, Target Date Fund 2030, Target Date Fund 2040, zvichingodaro.
Kuisa mari mukati memari yezuva rakarongeka kuri kugadzirirwa zvakakwana kugadzirisa zvido zveumwe munhu anoronga kupedza basa pamusana pegore rekare rinoonekwa muzita remari. Mari iyo inoshandurwa kuitira kuti apo iwe unoswedera pedyo nezuva rekushandira mari, iwe unowedzera mari zvakanyanya.
Chikonzero Nei Uchifanira Kushandisa Mutengo Wemazuva Date
Nzvimbo yemari yakatarwa yakagadzirirwa kugovera imwechete yekuzvitenga. Kutanga, iwe unosarudza mari inenge yakatarwa zuva raive pedyo negore raunofunga kuti iwe uchatora basa.
Zvadaro unoisa mari yako yose muhomwe iyoyo uye iwe unogona kuzviita nechivimbo nokuti mari yacho haisi imwe yekushambadzira-pane kudaro, ine pfuma yakawanda yakaiswa pamwe neimwe nzira. Iyo yakagadzirirwa kuumba chikamu chemahofisi akasiyana-siyana kwauri, uye mari yacho inowanzoita shanduko yakakodzera kuzvinhu zvako zvekugovera kuitira kuti iwe unowedzera mari zvakanyanya sezvaunenge uri pedyo nekurasikirwa.
Vanhu Usashandisi Target Date Funds Zvakarurama
Zuva rekuda mari mari yakasarudzwa kwazvo kuti uwane unyanzvi hwehupfumi hwekutarisira pamutengo wakaderera. Zvinosuruvarisa kuti vazhinji 401 (k) varonga vatori vechikoro havanzwisisi chinangwa chemazuva.
Mune imwe tsvakurudzo apo 401 (k) vatori vechikamu vakabvunzwa, "Iwe unoda mamwe masimari nechinangwa chemazuva emari here?" 75% yevakapindura vakati hongu.
Izvi hazvisi chokwadi. Nzvimbo yemari yakatarwa yakashambadzira mari yako kunze kwezvikwata zvakasiyana-siyana zvemari, kazhinji kuburikidza nekutora mamwe mari. Kunyange zvazvo iri chikwama chimwe chete, inopa hupenyu hwose huwandu hwevanhu hunoda.
Mufaro weTarget Date Fund
Kubatsirwa kwekushandisa chikwangwani chezuva rinotsvaga ndechokuti haufaniri kusarudza mari gumi yakasiyana mune zvakakosha; mari iyi iri kuita izvi kwauri. Uye mari iyo inosarudzwa kuti ipe mikana yemugumisiro wakanaka kune mumwe munhu achirega kure negore rekarenda riri muzita remari.
Vazhinji 401 (k) inoronga ikozvino inopa chinangwa chekusarudza mari, asi kana usina 401 (k) iwe unogona kushandisa chikwereti chezuva rinotarisirwa, kusanganisira kusarudza imwe kubva pane zvakarongwa zvemazuva ekugadzirira masangano .
Kune Bhizimisi uye VaSolo Investors Alike
Maererano naJames Gambaccini, anoronga nezvemari uye kugadzirisa mudiwa weAcorn Financial Services, "Mari dzezuva-tarisi dzakanyanya nyore kutarisana nekunyora kunyoresa kumushandi, zvichivabatsira kushumira basa ravo rekuita basa." Mukuwedzera, "Vanogona kupa zvikwata zvakasiyana zvakasiyana-siyana mumabasa mashomanana sezvinobvira kumushandi," akadaro.
Sterling D. Neblett, CFP, musangano wekutanga weCenturion Wealth Management inoti chinangwa-zuva rekushandisa mari inowanikwawo mukana wekutsvaga mari yevanamato avo vanoda kuisa mahofisi avo pamotokari nokuti ivo vanowanzogadziriswa zvakare uye vanogadziriswa sevanotora nguva yekurega basa.
"Ndingareva zvakasimba kuti chinangwa chezuva-chikwata chingaita basa rakanaka kwazvo rinowirirana nezvinangwa zvomutengesi kupfuura iyo muzvinabhizimisi aizoita ivo pachavo," akadaro Neblett.