Kunyange zvazvo vakawanda vakasiya mari vachigona kutaridzirwa sevashandi venguva refu, kuchenjera kuti vanotanga kuisa mari kune zvishoma-uye zvepakati-nguva yezvinodiwa, pamwe nekuwedzera kwenguva refu.
Somuenzaniso, kunyange iwe ungave uri mumakumi matanhatu ako, unogona kurarama makore makumi maviri kana makumi matatu. Saka, iwe uchiri kuda kuisa mari yekukura. Zvisinei, kana iwe uchinge wapera basa, chinangwa chako chekutsvaga mari chinogona kuchinja zvakanyanya kune mari uye kuchengetedzwa, nekukura kuva chinhu chakakosha asi chinonyanya kukosha.
Best Vanguard Funds for Retirement: Dividend Funds
Vanguard Investments inhengo yekutengeserana yekambani inopa imwe yezvinhu zvakaderera zvakadhura, pasina-mutengo wekubhadhara mari inowanikwa kune varairidzi nhasi uye vane zvimwe zvakanakisisa mari inokonzera mari iyo inogona kuva yakanaka pakubhadhara mari.
Kugovana kwemari pamwe chete, iyo inowanzorongwa nehuwandu hwemari yemari , inowanzova isina hutsinye (isina ngozi) kupfuura mamwe marudzi emari, zvakadai sekuwedzera mari pamwe chete. Izvi zvinoitawo kuti zvive zvakakodzera kune vashandi vemari, avo vanowanzodi kutenga zvikamu zvemari riskier, zvakadai sekutsvaga kukurira mari pamwe chete.
Zvikamu zvinogona kugamuchirwa senzvimbo yekuwana mari, kana kuti inogona kushandiswa kutenga mimwe migove ye mutual fund. Vazhinji vatori vemari vanobvisa mari yavo vanotenga chikamu chekutengeserana mari vanowanzotarisira tsime rekuwana mari, kureva kuti vari kutsvaga kubhadhara kwakasimba uye kwakatendeka kubva kune mutual fund investment.
Heano mamwe emhando dzakanakisisa dzeVanguard mari yezvikamu:
- Vanguard Kuparadzanisa Kukura (VDIGX) isarudzo yakakosha kune vashandi vepanhasi vari kutsvaga zvikwereti zvinokwanisika zvino asi vanoda kuona kubhadhara chikamu (zvibereko) kukura kupfuura nguva. Mari iyi inonyanya kukoshesa kubata kwayo muU.S.-cap-value value stocks ne inenge 10 muzana yemapatotikiti anopiwa kune dzimwe nyika. Nhamba yebhadharo yeVDIGX yakaderera 0.32 muzana, uye zvishoma zvishoma kutanga kutenga $ 3,000.
- Vanguard High Dividend Index (VHDYX) yakakosha kune vashandi vanotsvaga mari yekuwana mari iye zvino nezvibereko zvakakura zvezvikwata. Ipapoti yacho inowanikwa nehombe-cap inokosha yezvikwata zvemakambani muUnited States inobhadhara zvikwereti zvakaenzana nekuenzaniswa nemakambani akadaro. Nhamba yebhadharo yeVHDYX idombo-iri pasi pe1,8% uye zvishoma zvishoma kutenga pakutanga ndeye $ 3,000.
- Vanguard Utilities Index Adm (VUIAX) inotarisa pamatokari munharaunda yevashandi , iyo inonyanya kudiwa nokuda kwezvikamu zvayo zvakakwirira. Nzvimbo idzi dzinosanganisira mabhizimusi makuru eAmerica emakambani anobatsira, akadai seDuke Energy Corporation (DUK) uye Southern Co (SO). Nhamba yebhadharo yeVUIAX inonyanya kuderera 0.18 muzana. Kunyange zvakadaro iyi mutual fund inongowanikwa muVanguard ye "Admiral" chikoro chekugovana, iyo inotenga zvishoma zvishoma kutenga $ 10 000.
Vashandi vanofanira kuchengeta mupfungwa kuti, kunyange mutengo wemari mutual huripo unogona kubhadhara michero yakawanda yemari yazvino, kune nguva dzose njodzi huru inobatanidzwa nezvikwereti izvi zvekutsvaga.
Best Vanguard Funds for Retirement: Conservative Allocation Funds
Iyo chaiyo yekuchengetedza kwekuchengetedza kwekuchengetedza kunoenderana nekutsvaga kwekutsvaga mari yekuita basa: Muzviitiko zvakawanda, urongwa huse hunosanganisira kuchengetedza mungozi yekutengeserana uye kuchengetedza kusagadzikana kusvika pachidimbu pavanenge vachiwana kuwandisa kwekudzoka kunogona kuenzanisa kana zvishoma zvekunze kwezvishoma, izvo zvinodarika anenge 3 muzana mukufamba kwenguva.
Vashandi vemari vanoenda kumusha vangada kushandisa mari yekuchengetedza mari, iyo inowanzobatana nehuwandu hwehuwandu hwematokari ematokisi, zvisungo, nemari mune rimwe chete mari. Nenzira iyi vanobvisa mari yekushambadzira havazooni kuora kukuru panguva yemisika yebhebhe, uye vanogona kuwana zvakasiyana -siyana mune imwe chete mutual fund .
Heano mamwe emhando dzakanakisisa dzemari kubva kuVanguard:
- Vanguard LifeStrategy Conservative Growth (VSCGX) : Imari yekugoverwa kwemari iyi iri inenge makumi mana ematokari uye 60% zvisungo. Izvi zvinobvumira kukura kwenguva pfupi asi kusingagumi pamusoro penguva refu, iyo inoita kuti ive yakanaka yekuchengetedza mari. VSCGX yakakwanisa kuenzana ne4% pamakore annualized kudzoka kwenguva refu. Nhamba yebhadharo inodhura pa 0.15 muzana, uye zvishoma zvishoma kutanga kwekutsvaga $ 3,000.
- Vanguard Wellesley Inowanikwa (VWINX) : Ipapotikiti yacho inonyatsochengetedza nehuwandu hunenge huri pakati pe35 ne40 muzana mashomanana, anenge makumi matanhatu ematatu emabatanidzwa, uye yakasara inenge inenge 5 muzana mari. Nekuita kwekuita, Wellesley anorova zvikamu makumi mapfumbamwe zvezana zvevamwe vanochengetedza mari yekuchengetedza kwemakore 3-, 5- uye gumi-makore anodzoka. Nokuda kweimwe mari yakanakisisa yekuchengetedza mari yaunogona kutenga, zvakaoma kurova mari yebhadharo yebhadhari ye 0.25 muzana. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 3,000.
- Vanguard Wellington (VWELX) : Asset allocation yeVWELX haisi iyo yakachengetedza seVSCGX neVWINX asi kugoverwa kwayo kwemazana makumi mashanu nemazana mashanu ematokari uye 35 muzana zvisungo zvingave zvakakodzera kune vashandi vanochengeteka vanoda kutora ngozi yakawanda mukutsinhanisa nepamusoro nguva refu inodzoka. Kunyange zvazvo Wellington iri chikwata chekuchengetedza mari, inoramba ichirova 100 muzana yezvikamu zvezvikamu munguva yakaoma yemusika pakati pemakore 2000 ne2015, apo chikwereti chaive nechikwereti chinodzoka che7,5 muzana, zvichienzaniswa ne4,5 muzana yeS & P 500 Index . Kungofanana nedzimwe mari dzeVanguard, iwe uchatora mari shoma (0.26 muzana) yeWenington. Izvo zvishoma zvishoma kutanga kwekutsinhanisa ndeye $ 3,000.
Best Vanguard Funds for Retirement: Bond Index Funds
Kudhura kwakaderera kunonyanya kukosha pakuwana muganhu wekushanda munyika yezvisungo zvehurumende, uye Vanguard ine sarudzo yakanakisisa yebhadhadha yebhadha mari mune mutual fund universe.
Semuenzaniso, kune dzimwe misika yemakethe, kungoita imwe chete muzana yemapato muhutano kunogona kuparadzanisa mari yakanakisisa yebhadha mari kubva kune yakaipisisa, uye vazhinji veVanguard's index bond iyo iri pakati pe 0.50 kusvika 1.00 muzana inodhura mumari kudarika yevheji yekusungirwa mari.
Vanguard's passively-managed funds zvinowanzoita mari shoma kudarika mari inogadziriswa nemari inoshandiswa nokuti mari yekushanda inoderera zvikuru kune mari yekuenzanisira (kureva kuti mari yekutsvakurudza, kuongorora, kutenga uye kutengesa zvinyorwa zvakanyanya kuderera pamari inotarisirwa pasi). Imwe nyanzvi yekuchengetedza mari inodiwa chete inoda kuongororai bhenikori index, asi mutariri anoshanda ari kazhinji achiedza kurova chidimbu, izvo zvinotora nguva yakawanda uye mari. Kune mari yezvisungo, inonyanya kukosha ndeye Barclays Aggregate Bond Index , iyo inobatanidza bhadha yakazara inosanganisira mabhizinesi akawanda eUnited States nezvimwe zvibvumirano zvekunze zvakatengeswa muUnited States
Kushandisa nhepfenyuro yemari kunogonawo kuva rakakosha nokuti kutora kwekutora kunobvisa ngozi yekugadzirisa mari yehupfumi kuita zvikanganiso zvevanhu, zvakadai sokusafuratira mamiriro ehupfumi sehutungamiri hwekuda kwehuwandu. Heano mamwe emhando yakanakisisa yehurumende yemari yeVanguard inogona kuve yakachenjera kune vashandi vekurasikirwa:
- Vanguard Total Bond Market Index (VBMFX) : Nhamba yemari inosvika 0,20 muzana, vatengesi vanowana mari yakawanda mumari kana vachienzaniswa nemari yakawanda yezvisungo uye mari shoma inoshandurwa mukudzoka kwakanaka, kunyanya munguva refu. VBMFX inofanirwa neBarlaylay Aggregate Bond Index. Kwemakore gumi kana kupfuura, varairimi vanogona kutarisira kusangana kana kurova kudzoka kwevheji yekusungirwa mari.
- Vanguard Intermediate-Term Investment Grade (VFICX) : Kunyange zvazvo VFICX isiri mureza wekutsvaga, iyo inodhura chikamu ichiri pasi pe 0,20 muzana. Uye kunyange zvazvo kushandiswa kwekushandura mafambiro hakuiti nguva dzose kuchiisa mberi kwechiratidzo chekuenzanisa, iyo inosvika kwenguva refu inodzoka zviri nani pane kuratidza mari seVBMFX.
- Vanguard Short-Term Investment Grade (VFSTX) : Kusungwa kwenguva pfupi kunowanzova nezvibereko zvakaderera uye zvinodzoka zvakaderera, zvichienzaniswa nehupakati-uye kwenguva refu zvisungo asi zvisungo zvenguva pfupi hazviiti sezvikwereti zvinotarisirwa, zvinoita kuti vave sarudzo dzakanaka apo zvikwereti zvinowedzera. Nhasi, kana iwe usati wati wamboziva, iwe unogona kunge uchishamisika kuti "bhizinesi rekutsvaga" rinorevei. Zvikwereti zvinotaridzirwa nezvikwereti-zvakakosha. Zvichienderana nechikwata chekucherechedza, kuongororwa kunobva kuAAA (yakakwirira yepamusoro) kusvika kuD (iri kusina). Chikwereti chekutsvaga mari ndiyo nzvimbo yepakati, iyo inowanzobva paAAA kusvika BBB-. Muenzaniso weAAA yakarongwa bhisho isungano yeUnited Treasury. Mukushandura, kushandiswa kwema grade grade bond inowedzera mumwero wehupakati hwehutano hwezvisungo. Kubudirira kune vashandi ndeyekuti zvibereko uye nguva refu inodzoka inogona kunge yakakwirira, kunyanya munguva refu, zvichienzaniswa nedzimwe nguva shoma yekusunga mari seVFSTX.
Zvose zvitatu zvepamusoro zveVanguard mari zvinoshandiswa kutanga mari ye $ 3,000. Zvimwe zvisarudzo zvakasarudzwa zvinoshandiswa kune vashandi vekutsvaga mari ndezvokuchengetwa kwemari yavo sevanguard Total Stock Market Index (VTSMX) , uye imwe yepamusoro yeS & P 500 Index Fund , Vanguard 500 Index (VFINX) . Idzi idzi dzinodhura-mari dzinotengeserana mari dzinopa huwandu hwekutsvaga kwemazana ematokisi eSU, ose mune rimwe mutero rekubatana.
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.