Kubhadhara mari yemari inopa mari inopa gadziriro imwechete yekugadzirisa mari yemwedzi.
Kubhadhara mari inoshandiswa mari inokwanisika kukwanisa kubhadhara nguva dzose yekubvisa mari. Vanopa hukuru, wose-mu-umwe wekutsinhanisa kwekugadzirisa sarudzo, uye kupa humwe hutachiona (asi pasi pevimbiso) kupfuura annuities.
Makambani mana emari akabuda nehurukuro yavo yekubhadhara mari: Vanguard, Schwab, Fidelity naJohn Hancock. Zvimwe zvinowanikwa pane imwe neimwe zviri pasi apa.
Mari yega yega inotarisira chikwereti chemamwe mari, kuchinja kugoverwa kusangana nemari 'inotaurwa zvinangwa. Hapana yemari inopa zvikonzero, izvo zvinoreva, unofanira kutarisira mari yako yekusimwa nemari yemari inoshandiswa kuti ichinje nekukosha.
01 Vanguard's Managed Payout Funds
Kana iwe uchiziva mutemo we4%, unoti kuti pamusana pevakabhadharwa vanogona kukwanisa kubvisa 4% yezvinhu zvavo zvakasimwa gore roga roga pamubhedha uye vachifungidzira kuti vane mari yavo makore makumi matatu apfuura, zvino iwe unonzwisisa kuti sei mubhadharo Mutengo unogona kunge wakaiswa pa4%.
Iko mari inoshandisa kushandisa "mari yemari" pfungwa, iyo mari yako inopiwa kune dzimwe dzakawanda dzakawanda dzeVanguard stock uye bhandi mari uye kugoverwa kunoshandurwa sezvo muchengeti wemari anoona zvakakodzera. Kana zvichidikanwa, mari yacho inogona kuvhara muchikwereti kuti inosangana nemari yakatarwa yekubhadhara.
Iri sarudzo inoshandiswa zvakanakisisa kana iwe uchida kupa chikwereti nguva yakareba yekuzadzisa chinangwa chayo. Kana iwe ukabvisa mari yakawandisa apo chikwereti chinopinda munguva yekusadzoka kwakashata, iwe hauzove wakakwanisa kuve nemigumisiro yenguva refu iyo mari yakagadzirirwa kukupa iwe.
Mari nezviyero hazvibvumirwi. Iko mari inobhadhara mubhadharo wekubhadhara, asi mubhadharo haisi chinhu chimwe chete sezvibereko, sechikamu chemari inobhadharwa kunze kungave kudzoka kwevakuru.
Basics of the Vanguard Inotorwa payout fund
- Kudyidzana kwemadiki: $ 25,000
- Mari yezvikamu: .38%
- Hapana chekupedzisira-kutengesa kutengesa mutero kana kuzvipira mhosva
- Mutengo wakatarwa wokubhadhara: 4% pagore, wakabhadharwa pamwedzi, zvinoreva nezve $ 315 - $ 330 pamwedzi, ne $ 100,000
Website yeVanguard inopa hutoriwe kuti akuratidze mari yako inotarisirwa zvichienderana nemari yaunoshandisa.
02 Kubhadharwa Kwekubhadhara Mari Kwekubhadhara Mari
Mari yacho inozadzisa chinangwa chayo nekuderedza zvishoma nezvishoma kubhadhara kwako, kubhadhara chikwereti chako nguva yose iwe paunosvika pakatarisana nemari.
Zvichienderana nekureba kwenguva yakadii iwe uchida mari yako kuti ugare iwe unogona kusarudza mari inenge yakabhadhara 100% yemari yako gore rimwechete rakafanana ne2020, 2030, kana 2042.
Iyo yakareba nguva yaunosarudza, zvishoma iwe uchawana mwedzi woga woga. Iko kushandiswa kwekutsinhanisa kwefudzi rimwe nerimwe kuchashandura nekufamba kwenguva, kuve kwakanyatsochengetedza sezvaunoswedera pedyo nomusi wemugumo wegore.
Mari nezviyero hazvibvumirwi.
Basics of the Income Replacement Funds SM
- Kudyidzana kwemadiki: $ 25,000
- Imari ratios: .50% - .70%
- Hapana chekupedzisira-kutengesa kutengesa mutero kana kuzvipira mhosva
Kubhadhara mitengo ichasiyana, ne2020 fund ichibhadhara zvimwe zvichida kusvika 16% pagore, asi chikamu che2041 chingabhadhara 4% pagore. Chengetai webhusaiti yeFidelity kuti uwane mamwe mashoko pamusoro pemari uye mahedheni avo ekupararira.
03 Schwab's Monthly Revenue Funds
Mari imwe neimwe ine mari yakatarwa yekubhadhara inotangira kubva ku1-8% zvichienderana nehomwe, uye iyo inowanikwa yehuwandu hwehuwandu hwemamiriro ezvinhu. Mari yacho inonzi "Moderate Payout", "Purogiramu Inobatsira", uye "Maximum Payout". Iko Moderate Payout fund inogona kusvika kusvika ku60% yemari muzvikwata, asi Maximum Payout fund inogona kusvika kusvika 25% muhutano.
Munguva dzepakati pezinga rekuda kwezvikwereti izvi mari ichasarudza kuderedza mari yekubhadhara isati yapinda mukuru. Izvi zvinoreva kuwana mari yemwedzi nemwedzi kunogona uye kuchasiyana.
Basics of the Monthly Income Funds
- Kudyidzana kwemadiki: $ 100
- Mari dzinodhura: .47% - .66%
- Hapana chekupedzisira-kutengesa kutengesa mutero kana kuzvipira mhosva
- Zvikwereti, muzvikwereti zviduku zvinowanikwa pasi pano, 3% kana kuti zvishoma pasi peModerate Payout fund, 4% kana kuti pasi paIndaneti Yakanyanya Kubhadharwa, uye 5% kana pasi peMaximum Payout fund.
04 John Hancock's Retirement Living Funds
Mari yacho inoita izvi kuburikidza nekushandisa mari ye "fund money", iyo mari yako inopiwa kune dzimwe dzakawanda mari uye mari, uye iyo inoshandiswa inoshandurwa sezvo muchengeti wemari anoona zvakakodzera.
Kupararira kwezviyero uye chikuru hazvivimbiswi.
Iyo nzira inoshandiswa nemari iyi ine mikana yakaisvonaka yekubudirira kwenguva refu. Kana ukakonzera mari yako apo chikwereti chinopinda munguva yakareba nekudzoka kusina kunaka (izvo zvichaitika kune inenge mari yose pane imwe nguva), iwe hauzove wakatarisana nemigumisiro iyo mari inenge yakatarwa kuti iite iwe.
Basics of the Retirement Living Funds
John Hancock's retirement retirement funds inoshandisa mari inopfuura 1% pagore, iyo yakareba kupfuura dzimwe nzira dzakasiyana.
Imwe yega mari iri muRetirement Living Series ine dambudziko rakasiyana rakasiyana kubva muna 2010 kusvika muna 2060. Nyaya zhinji dzemari dzine zvishoma zvishoma kubhadhara mari ye $ 1 000 yezvikamu zveClass A, B uye C. Panove pasina huwandu hwemamwe mapoka ezvokugoverwa anopiwa kuburikidza neurongwa hwekurega basa.
Iwe unogona kuwana humwe ruzivo pamusoro pemari iyo nekutsvaga webhusaiti yaJohn Hancock pasi pekugadzirisa kwezvinhu zvakasarudzwa nemari.