Ingosarudza sangano rine gore rakaperera kune zuva raunoda kubhadhara sechikamu chezita rayo - somuenzaniso, kana iwe unotarisira kubhadhara muna 2030, unogona kusarudza fidelity Freedom 2030 fund - uye zvinhu zvako zvichaiswa mune izvo chikwereti kambani inofunga kuti ndiyo yakakanganiswa yakawanda yematokisi uye zvisungo zvezuva iroro rekurega basa.
Icho chichangochinja zviri nyore kusanganiswa kwemashure kwenguva, kuwedzera kunyatsochengetwa iwe apo iwe uri pedyo nekurasikirwa.
Muzviitiko zvakawanda, kambani yako 401 (k) chirongwa chichave nechirongwa chakadaro sekusara kwako kusarudzwa, zvichireva kuti kana ukasaita chero shanduko, zvipo zvako zvichaiswa muhomwe yakadaro. Asi chinangwa-chezuva mari hachisi kunze kwekudzikisa kwavo.
Mushandi Chenjererai
Kana iwe usingachenjeri, chinangwa-mari yemari 'inobatsira zvikuru inogona kuvawo nengozi, pamwe ne "ita-it-uye-kukanganwa-iyo" mukurumbira wako kukukuvadza muhana yechokwadi yekutenda uye kusagutsikana. Kungofanana nehomwe yegore rine mari yako yekurega basa muzita rayo, hapana chivimbiso chekuti yakanyatsokodzera kuti iwe uwedzere nguva yekutsvaga kwekutsvaga nguva uye chimiro - izvo zviviri zvinokosha pakugadzirisa zvakakosha iwe pfuma yekugovera.
Munguva yeKutora Kukuru kwegore ra2008, vamwe vatengesi muna 2010 tarisiro-yemari mari yakarasikirwa nemari yakawanda apo misika yakadonhedzwa inenge 40 muzana.
Vangangodaro vaitarisira kuti mari yavo inofanira kuiswa mari yakawanda, sezvo gore ra2010 raiitirwa vanhu vaida kuenda kumusha mumakore maviri chete.
Icho chakasimbisa chirongwa chikuru chekutsvaga-mari yezuva. Tora makambani mazhinji anopa chinangwa chemazuva emari yakagadzirwa nezuva rimwe chete rekurega basa mupfungwa uye iwe uchawana zvakasiyana-siyana maitiro ekugadzirisa - dzimwe nguva zvakasiyana chaizvo .
Semuenzaniso, kubvunzwa kwezvinangwa-zuva 2040 mari inopiwa nepamusoro gumi-chinangwa-chekugadzirisa mhuri dzimba nehupfumi pasi pehutungamiri dzakawana kugoverwa kwezvikwereti kubva 71 kubva muzana kusvika kusvika 95 muzana.
The Best Fund Kwauri
Pasinei nokuti wakatove wakabhadharwa muchikwata chekufunga-zuva kana kuti uri kungofunga imwe chete, tora maminetsi mashomanana kuti uone yako yakakwana yemari inoshandiswa kushandisa shanduro yakasununguka paIndaneti, yakadai seVanguard's Investor Questionnaire.
Zvadaro, kana iwe uri wega kune imwe mhuri yemari - sezvingave zvakadaro kana iwe uri kuisa mari kuburikidza nebasa rekushanda 401 (k) hurongwa - tsvaga chikwata-chekugadzirisa mari iyo inonyanya kufanana nekugoverwa. Zvingave zvisingave izvo chete negore rekuti iwe wakagara uchitsvaga muzita rayo!
Semuenzaniso, ngatiti uri nemakore makumi matatu nemashanu uye uronga kuti uite basa pazera remakore makumi manomwe - kureva gore rose 2052. Unogona kufunga kuti iwe unofanirwa kutenga mari muchikwata che2050 kubva musi iwoyo unonyatsoenderana nekutora nguva yako yekurega basa ye 2052. Kana iwe chete unogona kuwana Vanguard target-date mari, iyo 2050 mari yekugoverwa kwemari ine 90 muzana / 10 muzana yekugovera / kusungirwa mari.
Asi izvi zvinogona kunge zvakanyanya kukuvadza zvakagadzirirwa iwe. Mubvunzo wevatori vemari weVanguard unogona kupa mazana makumi mapfumbamwe nezana / 20 muzana mashomanana / mabhandi kugoverwa kwezviwanikwa zvichienderana nemhinduro dzako kune mibvunzo pamusoro pekushivirira mutsaona.
Kuti uwane 80 kubva muzana / 20 kubva muzana, iwe unofanirwa kusarudza Vanguard 2035 fund. Kune rimwe divi, kana chirongwa chebasa rako chekushanda chinoshandisa American Funds, chikamu chayo 2040 mari inonyanya kufanana neyakanaka yako yekugoverwa kwemari.
Chikwata chekutsvaga-chikwata chichaita kuti iwe uwane pfuma yakakodzera-kupa bhopipark, asi iyo chaiyo inosanganiswa yega yega ichasiyana kubva kune imwe kambani kuenda kune imwe kambani, saka zviri kwauri kuti uite tsvakurudzo uye sarudza mari inonyatsokodzera zvaunoda.
Kuverenga Mari Dzakaderera
Kana iwe wakasununguka kusarudza pakati pezvikwereti zvizhinji zvemhuri - zvichida yako 401 (k) chirongwa chinokupa kuwanika kune rimwe rehwindo rekutengeserana, kana iwe uri kuisa mari kuburikidza neIRA -enda imwe danho rinowedzera. Tsvaga tarisiro-mazuva emari mari kubva kumarudzi akawanda emari emari anowirirana nehutano hwakanaka hwekugoverwa kwezvinhu, uye ipapo tarisa kune imwe ine chikwata chebhadharo chakaderera.
Pakati pepamusoro-10 chinangwa-zuva 2040 mari, mari inoshandiswa mari inotangira kubva pasi pe16 peresenti yose kusvika kusvika .94 muzana.
Kwemari imwe neimwe ye $ 1 000 inoshandiswa, iyo inoshandurwa mumari yegore ye $ 1.60 kusvika $ 9.40. Hazvishamisi kuti kuenzanisa kwokuti mari iyo gumi yakagadzirwa muna 2016 yakaratidza sei ine yepamusoro yevheji yenhamba inowedzera zvakanyanya kuipa (5.2 kubva muzana inodzoka) kupfuura iyo ine chikwata chepasi chakaderera (anenge 8,7 muzana anodzoka).
Sarudza Nokuchenjera
Mari inotarirwa-tarisiro inoshanda chaizvo inobatsira chinangwa pakuita kuti kugoverwa kwemari kusarudzwa. Zvisinei, musarega kuve nyore kwavo kukuvhiringidzai mukunzwa kwenhema. Kusarudza mari yekuda mari nokuti ine zuva rekurega basa rako sechikamu chezita racho hazvina kukwana. Tora nguva yekuona yako yakakwana yemari yekugoverwa uye uchisarudza mari yakagadzirirwa zvakakodzera.