Kusarudza kodzero 401 (k) kugoverwa kunogona kuva nyore nezvo zvingasarudzwa.
Heano nzira nhatu dzisina maturo dzekupa 401 (k) account yako, uye nzira yechina inogona kushanda kana matanho matatu ekutanga asina kuwanikwa.
1. Shandisa Target Date Funds
Izwi rokuti "chinangwa chezuva" rinoreva zuva rako rekurega basa. Iwe uchaziva 401 yako (k) inopa chikwangwani chezuva rinotarisirwa iwe paunoona gore rekarenda muzita remari, saT.
Rowe Price Retirement 2030 Fund. Nheyo-yemari yemari inogadzira nguva yakareba yekutsinhanisa mari nyore. Sarudza gore raunoda kubvisa pabasa, uye sarudza mari yacho nezuva rakaperera zuva rako rekurega basa. Semuenzaniso, kana iwe uchironga kupedza basa pazera remakore makumi matanhatu, uye izvo zvichave zvakapoteredza gore ra2030, sarudza chikwangwani chezuva rinoenderana negore "2030" muzita rayo.
Chimwe chikwereti chekugadzirisa chikwereti chinopararira 401 (k) mari inowanikwa mumakwikwi akawanda emasitadhi akadai semakambani makuru emakambani, makambani mashoma-kambani, masangano, masangano anobuda-misika, matengesi edzimba, etc. Inosarudza zvinoshandiswa kuti zviyero zvipi zvidzidzo zvayo . Kana ukangosarudza chinangwa chezuva rako, hapana chimwe chinhu chaunoda kuita.
Sezvaunoswedera pedyo nechinangwa chezuva racho, mari yacho inoramba ichingoramba ichichengetedza, ichichengetedza zviduku zvishoma uye zvisungo zvakawanda. Chinangwa ndechokuderedza ngozi yaunotora sezvo iwe pedyo nezuva raunoda kutanga kutora kubva kune yako 401 (k) mari.
2. Shandisa Balanced Funds
Iko mari yakaenzana inopa mari muzvikwereti zvose uye musungo, kazhinji mune chikamu chematanda makumi matanhatu, 40% zvisungo. Mune nguva apo misika yepamusoro inokurumidza kukura, unogona kutarisira kuti mari yakaenzana haizosimudzi nokukurumidza. Mune dzimwe nguva apo misika yekutengesa iri kuwira, tarisira kuti mari yakaenzana haigoni kuwira kure.
Kana iwe usingazivi nguva yaunogona kupedza basa, uye iwe unoda nzira yakasimba iyo isiri yakachengetedza uye isingaiti zvechisimba, kusarudza homwe ine "kuenzanisa" muzita rayo ichava sarudzo yakanaka. Izvo zvinotarisa kunze kwepamusoro uye pasi. Iwe unogona kuisa zvose zvako 401 (k) kuronga mumudziyo wakatarisa, sezvo uri kuchengetedza kuenzanisa uye kusiyanisa iwe. Rudzi urwu rwemari, kufanana nechikwata chezuva rinotarisirwa, rinoita basa rako.
3. Shandisai Mifananidzo Yemafasiro
Vakawanda 401 (k) vanopa zvipo vanopa zvikwata zvemuenzaniso. Imwe mienzaniso inoshandiswa inobva pamathematically yakagadzirwa nhaka yekushandisa. Iko mazita ane mazita akadai seNhamba I, II, III; kana Conservative, Moderate, Moderately Aggressive. Aya mafungiro anoshandiswa nevanyanzvi vekutswa kwekutsvaga vapeji kuitira kuti imwe yemahofisi epodhiyo yakave nekukodzera kwakanaka kwekutsvaga kwehuwandu hwehuwandu hwehutengo. Njodzi inoyerwa nehuwandu huwandu hwehupfumi hunozogumburwa mugore rimwechete panguva yekudzika-kutendeuka.
Vazhinji vatengesi vasiri kushanda pamwe chete nemudzidzisi wezvemari vanonyanya kushandiswa nekuisa 401 (k) mari mune imwe yemhando idzi, pane kuedza kusarudza nekusarudza pakati pemari iripo. Vazhinji vehama dzangu vanonditumira ivo 401 (k) mazwi uye vanondibvunza kuti vanofanira kuitei. Chero pese pandinoona mienzaniso yepapotipo inowanikwa, ndinokurudzira kuti vashandise.
Zvinokonzera nzira iri nani, yakajeka, yakajeka kupfuura iyo vanhu vazhinji vanogona kuzviita ivo pachavo.
Kune avo vari kushanda nemudzidzisi wezvemari, panzvimbo yekushandisa purofisi yemuenzaniso, mutungamiri anogona kunge achisarudza mari yaunofanira kushandisa nenzira inobatanidza nemari yako mune dzimwe nhoroondo. Kana iwe wakaroorwa uye iwe umwe neumwe uine zvikwereti mumakero akasiyana, mutungamiri anogona kuva mubatsiro mukuru mukugadzirisa zvisarudzo zvako mumba mako.
4. Kuparadzira 401 (k) Mari Yakangofanana Nayo Zvimwe Zvawanikwa
Vakawanda 401 (k) zvirongwa zvinopa imwe shanduko yezvisarudzo zvinotsanangurwa pamusoro apa. Kana vasingakwanisi, iyo nzira yechina yekupa 401 (k) mari yako ndeyokuti iparidze zvakaenzana pane zvose zvinosarudzwa. Izvi zvinowanzoita kuti pave nepakati pepodfolio. Somuenzaniso, kana yako 401 (k) inopa zvisarudzo gumi, isa 10% yemari yako mune imwe neimwe.
Kana, sarudza mari imwe kubva muchikamu chimwe nechimwe; yakadai sehomwe imwechete kubva kuhomwe huru, imwe kubva kuhomwe duku, imwe kubva pazvisungo, imwe kubva kune dzimwe nyika, uye imwe yemusika wemari kana chekusimudzira mari yechikwata. Muchiitiko ichi, iwe unogona kuisa 20%, kana kuti 1/5 ye 401 yako (k) mari mune rimwe rehomwe.
Iyi nzira inoshanda kana pane zvishoma zvingasarudzwa zvekusarudza, asi hazvishandi zvakanaka kana pane zvingasarudzwa zvishanu.
Iyi nzira yekupedzisira haisi sebenzi-uchapupu sevatatu vokutanga. Kana zvichikwanisika, nguva dzose inokurudzirwa kuti upedze purogiramu yemubhadharo yemuInternet kana kuti taudza unyanzvi hwokutsvaga ruzivo usati wasarudza kushandiswa kwemari inogona kukurasikirwa nemari .