Iwe Unofanirwa Kuzviisa mu Target-Date Retirement Funds?
Iwe hauna chokwadi chebhadharo yakakodzera yemari yekuzadzisa zvinangwa zvako here? Iwe unonzwa uchinetseka nezviuru zvezviuru zvekusarudzwa kwekutsvaga? Iwe unogona kutenga mutengo wemari , mari yakavharwa-kumagumo , uye / kana ETFs , asi ndeupi mhando yemari yakakodzera iwe? Target-date mutual funds yakasikwa kuti ikubatsire kuita zvisarudzo izvi uye pakupedzisira ita nyore upenyu hwako.
Asi ivo vakakodzera here?
Chii Chinonzi Target-Date Funds?
Nheyo-yemari mari inowanzofungidzirwa se "kuisa iyo uye kukanganwa" mari. Semuenzaniso, kana iwe uchironga kupedza basa mumakore makumi maviri, unogona kutenga chikwereti chezuva-chinokodzera nguva yako-iyo, chinangwa chemakore makumi maviri. Sezvaunoswedera panguva yako yokurega basa, chikwereti chinoshandura kugoverwa kwayo kune mamwe maitiro anochengetedza mutual fund (kubata zvibvumirano nemari) uye kure nemakambani e riskier mutual fund (holding equities). Sezvo dzidziso yacho inofamba, ivai mari yekusimwa muhomwe uye muyikanganwe - regai chikwereti chiite basa rose.
Iko kunowanikwa pane imwe nguva yakatemerwa kuratidza vatengesi 'kuchinja kushivirira kune njodzi inozivikanwa sechinangwa-date fund's glide path. Iko glide nzira inotarisa mari iri kugoverwa pakati pezvikwata zvakasiyana-siyana zvezvematongerwo enyika kwekufamba kwenguva, kugadzirisa kusanganiswa kubva kune hutsinye hutsinye hutsva hupenyu huri hupenyu hwehupfumi kune mamwe mazamu anochengetedza sezvo gwaro rinokura uye vashandi vanowedzera chinangwa chavo chinangwa.
Target-Date Funds - Inzvimbo Yakakurumbira Yokubhadhara muHurongwa Hwokurasikirwa
Chidzidzo chekupera kwegore ra2008 naDeitteitte uye Investment Company Institute vakaratidza kuti 72% yezvirondedzero zvezvirongwa zvedzimwechete (semuenzaniso, zvirongwa zve 401k) zvakapiwa chinangwa-mari yezuva. Kuzivikanwa kwepfungwa-zuva mari yakasimbiswa nePension Protection Act yakasimbiswa naMutungamiri Bush muna 2006.
Sezvimwe chikamu cheMutemo, chinangwa-chezuva mari yakava "chisarudzo chisina chakanaka" che 401 (k) zvirongwa zvaive nechinyoreso chekunyora. Mune mamwe mazwi, vamwe vashandi vanoongororwa zvakananga muma 401 (k) zvirongwa uye zvipo zvavo zviripo zvinowanikwa muzvikwata-zuva rechikwama, sezvazviri kana kwete.
Kubatsirwa kweTarget-Date Funds
Mari inotarirwa nemari inogona kubatsira kana iwe uchida nenzara kwenguva kana kuti usingadi kutarisana nekuita zvisarudzo zvinoramba zvichiitwa zvekutsvaga. Zvikomborero zvakasiyana-siyana zvekutsvaga-mari yemari zvinosanganisira:
- Kuderera kwemazana mashoma , kubvumira kutsvaga kwekutsvaga pakati pezvikwata zvakasiyana-siyana zvezvikwata (equities, bonds, etc.)
- Nzvimbo dzakachengetwa zvikwata zvepamusoro , kupa hupfumi husina maturo
- Kuchengetedza kwepasi , sezvo mari yakagadzirirwa seyeta-imwe-yakafanana-yose inogadziriswa
Kukanganiswa kweTarget-Date Funds
Nepo kune humwe hutano hwekutsvaga-mari yezuva, vashandi vanofanirwawo kunge vachiziva nezvematambudziko. Nyaya dzekufunga dzinosanganisira:
- Chiyero chimwe chete chinokodzera zvose - Izvozvo? Mhosho yakakosha yekutsinhanisa kune mumwe munhu haisi yakakodzera kune munhu wose.
- Mari yepamusoro inoratidzika - Mune zvimwe zvinotarisirwa-mari yezuva, kune mari yekubhadhara mari pamwe chete uye imwe yero yekubhadhara mari.
- Kushaikwa kwekusiyana-siyana - Kana chinangwa-zuva rechikoro chinoshandisa mari chete kubva kune imwe mhuri yemari (Kuvimbika, Vanguard, nezvimwewo), izvi zvinogona kutungamirira kune imwe nzira yekutsvaga mari mukati mezvikamu zvemari.
Nhanho Dzakatevera Yokusarudza Target-Date Fund
Kana iwe unofungidzirwa nepfungwa yekutsvaga uye kuronga kuisa mari kuburikidza ne-target-date funds, danho rinotevera nderokutsvaga zvingasarudzwa. Iko kune zvakawanda zvinotarirwa-mari yezuva. Zvechokwadi, vanoverengeka vanobhadhara mari yakawanda vanopa huwandu hwezvitsva-mari yezuva, kusanganisira T.Rowe Price, Vanguard, uye Fidelity.