Kutsvakurudza kunopa hutsva hutsva mune zvakanakisisa mari yekugovera zvekurega basa.
Sezvimwewo, mamwe mabhuku nevanopa mazano vachakurudzira kuti panzvimbo yekutevera mafairo ekugovera muenzaniso, iwe unofanira kushandisa mari yako kutenga mari yakagadziriswa neinokurumidza annuity.
Dzidzo itsva zvedzidzo inotsigira mari yekurasikirwa kwemari inoshandiswa iyo inokupa iwe zvakanakisisa zvezvose zviri munyika.
A Retirement Allocation Model Iyo Inoshandisa Zvipfeko
Ibbotson, kambani inotungamira munharaunda yekutsvaga tsvakurudzo yemunda, yakagadzira pamwe pepa chena rinogumisa kuti iwe unogona kuwedzera mararamiro ako ehupenyu nekuisa chikamu chebasa rako rekugoverana negore rinoshandiswa rinopa huwandu hunodavirwa hwekuregererwa mutasvi ( GMWB) .
Kutsvakurudza kwakawedzerwa kunoitwa nevadzidzi vanozivikanwa saWade Pfau, Moshe Milevsky, naMichael Finke vanoratidza kuti kushandisa mamwe maitiro ezvinyorwa, zvakadai semari inowanikwa pakarepo uye annuities yakagamuchira mari inogona kuderedza mari yakawanda yekubhadhara mari.
Chinangwa: Kuwedzeredza Upenyu hweHupenyu
Tsvakurudzo iyi inoratidza nzira itsva yekufunga; kuronga kubhadhara mari yekubvisa mari yakasarudzwa iyo ine chinangwa chikuru chekuwedzera mari yeupenyu uye kuderedza dambudziko rekubuda kwemari.
Izvi zvinonzwika sezvakanyatsoshandiswa kuti munhu wose aizodzokera shure.
Saka iwe unogadzira sei iwe pachako hupenyu huwandu hwemari yepodfolio? Iwe unotanga nemararamiro ezvakagoverwa zvinosvika pane zvakadini zvinofanira kunge zviri mumatokari nezvisungo, uye iwe unogadzirisa zvimwe.
Zvigadziriswa kugoverwa zvinosanganisira kutora chikamu chemahofisi ako uye kuisa mari mu annuity yakasiyana nekugadziriswa kubhadhara kubhadhara kubhadhara, annerity annuity nemari yakatsanangurwa ichazotanga gare gare, kana kana iwe uchiri kurega ikozvino, uye nguva yakatarwa inotanga kuripa mari ikozvino.
Pasi pane zvishomanana zvidzidzo zvekurasikirwa kwemari inoshandiswa kushandiswa kushandiswa kwemajairo ezvakagadzirwa nehuwandu hwemwe rudzi.
Kusarudzwa kwemafasi ekugoverwa kwemafaji kuti zviwedze mari yeupenyu
- Conservative
Panzvimbo yekuva nehupfumiropu yaive 20% mashomanana, 80% zvisungo, iwe unogona kuumba chikwereti icho chaiva 20% mashizha, 60% zvisungo uye 20% mari yakawanikwa kubva kune rimwe gore. - Moderate
Panzvimbo yekuva nehupfumiropu yaive 40% ematokari, 60% zvisungo, iwe unogona kuumba chikwereti chaive che 40% mashizha, 45% zvisungo, uye 15% annuity, kana kuti uwedzere mari yakawedzerwa yakawanikwa, iwe ungapa 40% mashizha, 25 % bonds, uye 35% inowanikwa mari kubva kune rimwe gore. - Ane utsinye
Panzvimbo pokuva nehupfumiroji yaive 60% yematokari, 40% zvisungo, iwe unogona kuumba chikwereti chaive 60% zvishamba, 30% zvisungo uye 10% kusvika mugore raizopa mari yakawanikwa.
Sei hutsva hutsva hwekusarura mari huripo hunobudirira?
Iri rekusimwa kwemari yekubvisa mari inoshanda nokuti inoderedza mararamiro amuchaita kuti uwane mari uye inoderedzawo mararamiro aunofanira kutora kuderera mumari nekuda kwekushaya mari kwekushanda.
Paunoshandisa annuity yakasiyana-siyana, mukati mekushandurwa annuity uri kupa chikamu chepamusoro chematokari kupfuura iwe ungadai uri kana usingashandisi annuity.
Iwe unogona kunzwa wakasununguka kuita zvakadaro nokuti mari yaunowana iwe unogona kubvisa inovimbiswa.
Paunenge uchitsvaga mari inoshandiswa gore rinowanikwa kana kuti inowanikwa pakarepo iwe unoziva kuti ramangwana rako richave ripi, pasinei nekushanda kwemisika. Iwe unogona kuisa mamwe mari zvakanyanya kukuvadza kuziva chikamu chemari yako yaunowana yakachengeteka.
Kugovera Iko Stock / Bond Chikamu chePodfolio yako
Kana uchinge wanyatsoziva kuti zvipi zvingave zvakagadzirwa kune chigadzirwa chinotsigira mari yeupenyu, iwe unosarudza kuti ungasimudzira sei chikamu uye chikamu chikamu chepodfolio yako. Heano mazano mashomanana, uye pfungwa imwe neimwe inowedzera zvishomanana.
- Unogona kukwidza zvisungo zvako uye kutenga chikamu chekubhadhara zvikwereti, kana kushandisa sarudzo yemari inowanikwa mubhadharo.
- Iwe unogona kushandisa mari yekubhadhara mari iyo inowanzogovera pamatokari uye zvisungo kwauri, uye inokutumira cheko rega rega.
- Iwe unogona kuisa mune dzimwe mari yakakura yezvibereko nemari yako yemahombe / bhandi chikamu kuti uwedzere mari yazvino.
Kurasikirwa Kwekugoverwa Nemazano Ekutengeswa Kwekuchengetedzwa Kwemafuro Okuyeuchidza
- Iyo inopfupisa mararamiro ako ehupenyu, kunyanya iwe uchada kusarudza mari uye mazano anowedzera mari yazvino .
- Kana iwe uchitarisira nguva yako yeupenyu, iwe unoda kutsvaga nzira dzinowedzera mari yeupenyu , izvo zvinogona kureva kuti vanounza mari shoma ikozvino, asi mari inotarisirwa kuti ienderere mberi nekutengesa kwezvinhu.
- Iwe unogona kuchinja mazano ekugadzirisa mararamiro emararamiro. Semuenzaniso, iwe unogona kuwedzera kuwedzerwa mari ikozvino kwemakore gumi ekutanga ekurega basa iwe paunenge uine hutano, neine chirongwa chekufunga kutora mari shoma gare gare apo unononoka pasi.
Izvo zvakagadziriswa zvisarudzo zvakanakisisa zvakaitwa mushure mekubatanidza chirongwa chakazara chekusarura mari. Iwe chete unotamira kunze kamwe. Kushanda nenyanzvi yekurapa basa rinogona kubatsira kana uchiita basa rinokosha rekurega basa.