Idzi Ndidzo Nzira Dzakanakisisa dzeMutengo Wemari ye 401 (k) Zvirongwa
Best Mutual Funds For 401 (k) Zvirongwa Kubva Mumiririro Wevashandi
Pachinyanya kukosha, vashandi vanofanirwa kupa zvikamu zvitatu zvezvakakosha zvekusarudza kusvika kune 401 (k) vatori vechikamu: A stock investment investment option, bhadha yekusarudzwa, uye mari kana chekusimudzira mari yekusarudza.
Asi kune vashomanana vashandisi vanopa zvidzidzo chete. Zvizhinji zvema 401 (k) zvirongwa zvinopa hutano hwakasiyana-siyana hwekutsinhanisa, kazhinji mari yekubatana.
Apo mumwe mushandi anotanga sarudzo yekusarudzwa kwekutsvaga kwekutsvaga kwekutsvaga mu 401 (k) chirongwa, vanofanira kuisa pfuti yavo yefiduciary. Imwe fiduciary, inongorongedza, ndeye munhu ane mutoro wepamutemo wekuita nenzira inoisa kufarira kwevamwe mberi kwavo. Nokudaro kuchenjera kupa hutano mari yakawanda kubva kumapoka akasiyana-siyana .
Heino muenzaniso wemari yemarudzi ekubatanidza mune 401 (k) chirongwa, pamwe nekutsanangurwa pfupi:
- S & P 500 Index Fund : A low-cost index fund inoshandisa muhomwe huru-mashizha ndiyo yakanaka "yekutonga" iyo yekuvaka purofiti. Ramba uchiyeuka kuti hapana chikonzero chekuwedzera mamwe mahombekombe emari, kana zvisinei iwe unobatsira 401 (k) vatori vechikamu kuti vashandise mari yakawanda pamwe chete nechinangwa chakafanana, icho chinonzi chikwama chinowanikwa . Kuisa mari yakafanana haisi yakasiyana-siyana!
- Foreign Foreign Stock Fund : Hapana chidikanwi chezvikwereti zvinopfuura chikwereti chenyika. Ramba uchifunga kuti "mari yemari yenyika" kana "pasi rose mari" inogona kuisa mari mumatoro eSU. Asi chokwadi chekunze mari yemari inotora mari inenge 80% yemari yemari iri mumatokari emakambani kunze kweSouth World stock uye pasi rese inogona kuva nechetatu yezvigadzirwa muUnited States zvakare, izvi zvinogona kutungamirira kuwirirana. Bata kune dzimwe nyika!
- Small-Cap Stock Fund : Kana iwe uchida kupa (kana kuisa mari) yechisimba mari yekusarudza mari, chisarudzo chakanaka chinogona kukurudzira S & P 500 index fund ndiyo shoma-cap stock fund. Zviduku-zvidhi zvakachengetwa kare zvakakonzerwa nekudzoka kwemazuva mazhinji kune yakakura-mashizha. Asi chikamu chekutsvaga kwavo muna 401 (k) zvirongwa ndezvokuti havakwanisi kuwirirana kune S & P 500 index, zvinoreva kuti vanogona kuwedzera kuwandisa kune imwe nzvimbo.
- Zvose Bond Market Index Fund : Iwe unongoda imwe bhandi yakanaka uye musangano wekutengeserana wekubatanidza mari inopa huwandu hwekutengeserana kune musungo wese wekutengesa.
- Mari Mari Makasheni : Cash inogona kuva chikamu chepodfolio. Uye vamwe 401 (k) vatori vechikamu vanoda kutora mukana wevanoshandira mutsara asi vanotya kuzviisa mumatanda kana zvisungo. Nokudaro mari yemusika mari kana mari yakachengetwa mari inofanirwa kuita inofanirwa mune 401 (k) chirongwa.
- Target Date Retirement Funds : Mumakore achangobva kupfuura, chinangwa chezuva rekubhadhara mari chave chave chikafu che 401 (k) zvirongwa. Sezvo zita racho rinoreva, mari iyi inobvumira vatengesi kuti vasarudze zuva rinodiwa (gore rekarenda) iro riri pedyo nezuva ravanoda kubvisa basa uye vagovera 100% ye 401 (k) madhora kwavari. Semuenzaniso, kana 401 (k) vatori vechikamu vaitarisira kubvisa pamba mugore ra2035, vanogona kupa zvikamu zana zvemazana makumi mana (40) (k) zvipo kune zuva rinotarisirwa kubhadhara mari 2035 uye kwete kushungurudzika pamusoro pehupi hwehupfumi hwehupfumi. Iyi mari inogonawo kugadzirisa "zvakanaka" mari ye 401 (k) vatori vechikamu vasingadi kusarudza ivo pachavo zvingasarudzwa. Kupa mararamiro ezvinyorwa zvakasiyana, uye zvichienderana nemakore ekuverengwa kwevashandi, vazhinji 401 (k) zvirongwa zvinofanira kupa huwandu hwemashoko ekutora basa kubva 2020 kusvika 2050 uye makumi emakore ari pakati.
Dambudziko Guru kupfuura 401 (k) Zvirongwa
Dzimwe nguva sarudzo dzakanakisisa dziri kudzivisa kusarudzwa kwakaipisisa. Sezvakawanda, vashandi vakachenjera kuti varege kuisa mari mune 401 (k) hurongwa hunogona kuva nekuderera kukuru mumutengo munguva pfupi.
Uye kana iwe uri mushandi uye yako 401 (k) chirongwa chinosanganisira zvimwe zvekusarudza, ramba uchichenjerera!
- Emerging Markets : Izvi ndizvo zvinotyisa kune dzimwe nyika. Vanogona kuva nehomwe huru shomanana asi vanogonawo kuva nehote huru yekurashikirwa. Rambai nemutengo wekunze mari! Asi kana iwe ukasimudza mune imwe nyika inotengeserana mari, ivai nechokwadi chokuti munozvikurudzira neyo nguva dzose yekunze mari yekuchengetedza mari uye chengetedza huwandu hwekunze kune dzimwe nyika kune 20% kana pasi.
- Makirasi Makabhesi : Kunyange zvazvo mari yezvikamu inogona kushandiswa nokuchenjera mumapatotikiti akasiyana-siyana, haisi nguva dzose dzakasarudzwa zvakanaka 401 (k) zvirongwa. Kubva pavanoshandira / fiduciary maonero, kuwedzera mari yezvikamu kune 401 (k) chirongwa chinogona kuva chisarudzo chisina kunaka chekusarudza. Zvakadini kana yako 401 (k) chirongwa ichi chikapa teknolojia yemari fund iyo yakangodaro ine gore rakakura nekudzoka kwe50%, ichibvisa mamwe marudzi ekutsvaga. A 401 (k) mutori wenhengo anobva asarudza kuisa 100% yehupenyu hwavo kuchengetwa mune zvekuchengetedza mari . Gore rakatevera, gore risati rava kutarisira kurega basa, technic sector inowanikwa ne50%, uye ndizvo zvakaitawo mukana wevadzidzi. Tinoda here kutaura zvakawanda?
- Kubudirira Kwepamusoro (Zvisina Mwero) Bond Funds : Ichi chikamu chekutengeserana mari kwakafanana nedzimwe dambudziko guru rekushandisa mari. Mari yakakwirira-iyo, iyo inozivikanwawo sekuti isina mari yezvisungo, inogona kuita zvakanaka kana hupfumi huri hwakanaka. Asi mari iyi inogonawo kuva nenguva yekuderera zvakanyanya, zvakadai sechisimba chemari. Kubva kune waunoshandira / fiduciary maonero, haunzwisisi kupa mari yakawanda-yakabhadhara mari kusvika kune 401 (k) vatori vechikamu nokuti vazhinji vanoona mari yezvisungo kuti ive "yakachengeteka." Mugore rakashata, mari yakawanda-yakabhadhara mari inogona kuderera nehuwandu nehuwandu hwe30%, asi mari yehurumende yehurumende inogona kupera ne5% kana 10% pane yakaipisisa.
Kutaura muchidimbu, chinangwa chevashandi nevashandi zvakafanana ndekuita basa rakanaka rekusiyanisa zvinhu zvekuchengetedza mari. Yeuka kuti kudzoka kwedzimwe mari yekutengeserana hakuna kukosha kudarika maitiro ayo ekusiyana.
Kana uchida mamwe mazano pamusoro pezvakasiyana-siyana mazano, ona nyaya yedu pamusoro pekuti Ungagadzira sei Chikamu cheMutual Funds .
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.