Shandisai Mhando dzeMari idzi mumakore ako 401 (k)
Paunotarisa 401 yevashandi vako (k) kuronga kusarudzwa kwekutsvaga, iwe unogona kuwana munharaunda ye10 kana 12 mutual funds, iyo inosanganisira zvitatu zvinokosha: 1) Stock Funds, 2) Bond Funds uye 3) Money Market Funds. Kana iwe uine imwe yenhamba yekodhi imwe, zvingave zvakachenjera kuti iwe ushandise zvimwe zveizvi mune 401 (k) uye shandisa mamwe maitiro kune imwe nzvimbo.
Kana uine kambani yekubhadhara mari yekodzero kuwedzera kune yako 401 (k), iwe unoda kuchengetedza zvikwereti zvinowedzera mitero mu 401 (k) uye imari inobhadhara mitero mukambani inotengesa.
Kana zvose zvaunazvo ndezvi (40) (k), iwe uchagovera uye iwe ugozvipira mune chero nzira yakakodzera yezvinangwa zvako uye kazhinji hauna hanya nehutungamiri uhwu (kunze kwekuti iwe uri kuronga kuzarura kambani yekubhadhara mari yakatarwa munguva inotevera).
Yeuka kuti mari inowanikwa muzvikwereti zvakachengetwa mumabhengi ekurega mari, dzimwe nguva zvinonzi sekuteresikodha-maakarenda, hazvikwanisi kubhadharwa kusvikira kubviswa; mutero "unoderedzwa," zvinoreva kuti uribhadhara gare gare pane zvino.
Nokudaro iwe unosvika kuti uchengetedze mari yako, zvikamu, uye chido uye uwane chikwereti pamusoro pekufarira, nezvimwe zvakadaro. Mukuwedzera, hapachina mutero wezvibereko, zvikamu kana zviwanikwa apo hutano hunoitwa muna 401 (k). Izvi zvinobvumidza kukura zvakakurumidza, nekuda kwesimba rekuwedzera chido .
Kuita kuti mari yako ishande zvakaoma sezvinobvira, iva nechokwadi chekuwana mari iri mukati mako 401 (k) iyo inobhadharwa nepamusoro uye mari inobhadhara chikamu chikuru uye kufarira mumaakisi enyu ekurega.
Nokudaro iwe unoda kuchengetedza chikamu chemari pamwe chete, mari yako yebhadha uye mari yako yekurwisana kukura mu 401 (k). Iwe unogona kuwana yako index index mumabhuku ako anotengesa.
Iwe unogonawo kufunga kuti unowanzoita sei mishonga yemamwe masimba. Somuenzaniso, kana iwe uine pfuma yakawanda kubva kune imwe mutero fund, uye iyo inobatwa mune yako 401 (k), iwe haungabhadhara mitero kune mari inowanikwa paunotengesa mari.
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.