Tanga Wako 401k Kutanga
Hazvina kumboitika kare kana kuti kunonoka kutanga kutanga kuponesa mune chirongwa che 401k. Kunyangwe iwe uri mumakore makumi mana kana makumi mashanu, pane nguva yekuvaka dendere rinokosha rekurega basa.
Saka, hapana nguva yemashiripiti yekutanga kuponesa mune chirongwa che 401k asi panzvimbo iyi iri nyore kupiwa mazano: Nguva yakanakisisa yekutanga kuponesa mune chirongwa che 401k izuro, yechipiri-nguva yakanakisisa yekutanga kuponesa mune chirongwa che 401k nhasi, uye nguva yakaipisisa yekutanga kuponesa muna 401k mangwana.
Tora Kubatsira Kwakawedzerwa Kufarira
Nokukurumidza iwe unotanga kuponesa mune 401k yako, nokukurumidza iwe unogona kushandisa zvigaro zvechikwata chechikwata. Muenzaniso wevadzidzisi vaviri vakasiyana vanotsanangura zvakanakisisa: Saver # 1 inotanga kuchengeta $ 5,000 pagore mugore 401k pazera remakore makumi maviri nemashanu uye rinopfuurira kwemakore gumi kusvika kune makore 35 pavanomira. Icho chiyero chekuponesa cha $ 50,000. Saver # 2 inotanga kuchengetedza mari yakafanana ye $ 5,000 asi inosvikira kusvika makore 35 uye inoenderera mberi kwemakore makumi matatu kusvika kune makore 65.
Izvo zvikamu zve $ 150 000 kunze kwemari yekuchengetedza mari kune avo. Tichifunga kuti 7% muzana wekudzoka pane imwe neimwe yezvikwata zvavo zvekutsvaga mashoma makumi mana (401k), iyo inoguma nevanonyanya pazera remakore makumi matanhatu nemashanu?
Nokuda kwekutanga kwekutanga, uye nekuda kwesimba rekugadzirisa chido, chikwata cheSvondo # 1, mushure mekuponesa kwemakore gumi, neine mari inopfuura $ 600,000. Muponesi # 2 anoguma ne $ 540 000 kunyange zvazvo vakachengetedza kwemakore makumi matatu.
Nokuda kwechikwata chechikwata, icho chinoshandisa nguva yakakosha yemari, Saver # 1 "yakakunda" kukwikwidza kwekusvika 401k.
Kuita kuwedzeresa kunyange zvakasimba zvikuru, mubayiro uri muurongwa we 401k hauna kubhadharwa mutero panguva iri munhoroondo. Izvi zvinobvumira kufarira kuchengeta kuwedzera kunze kwemitero kuchidzikisa pasi, sezvazvaizoita mukodha yakabhadhara.
Sarudza Mari Yakanakisisa Yokuchengetera Iwe
Hakuchina huwandu-hunoenderana-yose ye 401k yehutengo yevanhu vose. Nokudaro mari yakanakisisa yekuchengetedza muurongwa we 401k ndeyekuti iwe unogona kuwana mari yakawanda sei usina kukuvadza zvimwe zvinangwa zvemari nezvisungo.
Somuenzaniso, kana iwe usingakwanisi kubhadhara renti yako kana kuderedza kadhi rako rechikwereti chikwereti nokuti mitsva yako 401k yakakwirira kwazvo, uri kuponesa zvikuru! 10 kusvika ku15% ndiyo mari yakawanda yekuchengetedza chirongwa che 401k asi iwe unofanirwa kuisa mari yakakwana kuti uwane mimwe mipiro inofanirwa iwe waunoshandira. Mutambo wakafanana ndiwo 50% kusvika ku 6% yemugove wako wekupikira (unowanzoti "kureva kukwana").
Mukushandura, kana iwe uchipa zvishoma kudarika 6% zvebhadharo yako, iwe hausi kuwana mutsara wakazara. Asi kana iwe uchipa 6%, mushandi wako ari kuwedzera pa50% yeiyo, iyo inenge 3% yemari yako. Iko kunoshandura muzvikamu zve 9% zvemari yako inopinda mu 401k yako! Usangosiya mari iri pakudya, kutaura.
Zvakanyatsoongorora Nhamo Yenyu Yokutsungirira
Chimwe chezvikanganiso zvakakura zvinowanikwa nevarimi vanoita muurongwa we 401k uri kutadza kuziva kuti mari inobatanidza ndeipi yakanaka kwavari.
Kunyanya kunyanya, vamwe varimi vanotora ngozi shoma, izvo zvinoreva kuti mari yavo 401k inogona kukura zvishoma nezvishoma, uye vamwe vanopisa vanoita mari vachikuvadza uye vanotengesa mari yavo pamwe chete mukutya apo kuraswa kukuru kwemusika kunouya.
Kuti uwane nzira yekuwana nayo yakanakisisa yehutano uye kudzoka, vatengesi 401k vanofanira kupedzisa izvo zvinonzi kuve nekuchengetedzwa kwehuwandu hwemashoko, izvo zvicharatidza hutano hwehutano uye zvinokurudzira mutual fund types uye zvipo maererano.
Shandisai 401k Mutual Fund Portfolio
Apo kuvaka chikwata chemari pamwe chete , chinonyanya kukosha chekuita ichi ndechekusiyana-siyana, zvinoreva kuparadzira dambudziko pamhando dzakasiyana dzekutsvaga. Zvizhinji zvema 401k zvirongwa zvinopa mari dzakawanda pamwe chete mumapoka akasiyana. Nzira yakanakisisa yokunzwisisa pfungwa yekusiyana kwekuvaka painzvimbo yepodfolio yako ine maonero akanaka.
Heano muenzaniso wepodfolio , iyo inonzi "inguva yengozi" kusanganiswa kwevamwe mari yakakodzera kune vashandi vakawanda, vachishandisa mari inowanzowanikwa muurongwa we 401k:
- 40% Makuru akavhara (Index)
- 10% Small-cap stock
- 15% Foreign Stock
- 30% Mukatikati-bond Bond
- 05% Cash / Money Market / Stable Value
Tevera Izvo Zvakanakisisa 401k Practice Management
Kana uchinge waisa chikamu chako chekusimudza uye ukasarudza zviwanikwa zvako, unogona kuenderera mberi nezvebasa rako uye hupenyu hwako uye rega 401k ita basa rayo. Zvisinei, kune zvishomanana zvigadzirisho zvekugadzirisa mazano ekutevera:
- Kugadzirisa Purofiti Yenyu : Paunodzokorora 401k yako, uri kudzorera yako ikozvino mari yekugoverwa zvakadzokera kumashure ekutsvaga kwekutsvaga. Nokudaro rebalancing inoda kutenga kutenga uye / kana kutengesa chikamu chezvimwe kana kuti zvose zvekubhadhara mari yako kuti uunze kugovera zvikamu zvekare zvichienderana. Nokuda kwemuenzaniso wakajeka, ngatiti iwe pakutanga wakasarudza 4 mutual funds ndokuisa zvikamu kune 25% mumwe nomumwe. Mushure megore rimwe, imwe mari yehurumende yakakura kusvika ku30% yepodfolio yako, imwe yakaramba kusvika 20% uye imwe yacho yakagara inenge 25%. Kuti uzvidzore, iwe uchatengesa chikamu chemari yakakura mukukosha, kutenga zvigaro zvemuhomwe iyo yakaderera mukoshi, uye kusiya vamwe chete. Izvi zvine chiitiko che "kutenga zvakaderera uye kutengesa kumusoro," izvo ndizvo zvinowanzoita vatengesi nguva dzose. Maitiro akanaka ekudzokororazve kamwe chete pagore. Zvizhinji zvema 401k zvirongwa zvinobvumira kutsvaga kuenzanisa kana nzira iri nyore yekuita paIndaneti.
- Wedzera Mutengo Wokudzivirira : Paunowana kukwidziridzwa, ipa 401k yako kusimudza! Semuenzaniso, ngatitaurirei kuti mushandirwi wenyu anokupai kuwana kukurudzirwa kunouya ne 5% kusimudza muhomwe. Iko nokukurumidza kuwedzera yako 401k kusimbiswa ne1%. Nenzira iyo iwe uchiri kufara nekusimudzwa asi iwe uchawedzerawo mari yako yekuchengetedza mari.