Zopereka ku Mapulani Okhazikika ndi ofunika, koma zingakufikeni mpaka pano. Chinsinsi chokulitsa ndalama iyi ndikuchiyika.
Njira ziwiri Zogulitsa
Ndondomeko Yopulumutsira Anthu Otsogolera ophunzira ali ndi njira ziwiri zomwe angasankhe. Njira yoyamba ndikugwiritsira ntchito ndalama za Lifecycle Funds kapena L Funds. Ndalamazi zimagwira ntchito ngati ndalama zopuma pantchito. Njira yachiwiri ndikugulitsa ndalama zomwe zimagwiritsidwa ntchito popanga L Fund. Ophunzira angagwiritse ntchito njira ziwiri kapena zonsezi.
L Ngongole
L Ndalama zimatchulidwa ndi chaka chomwe agulitsa amakhulupirira kuti ayamba kuchotsa ndalama ku akaunti zawo Zowonongeka. Chaka chino sikuti ndi chaka chomwe antchito adzachotsa; Komabe, chaka chothawa pantchito ndi chaka pamene wogwira ntchito akuyamba kutaya ndalama nthawi zambiri amakhala ofanana. Mkhalidwe wa munthu ukhoza kukakamiza ndondomeko yakusiya ndalama kwa nthawi yayitali.
Ophunzira akusankha kuyika ndalama za L Fund kuti zikhale zosavuta. Ogwira ntchito ku federal sangakhale ndi nthawi, chidziwitso kapena chikhumbo choyendetsa ndalama zawo zosungira ndalama mwachindunji. L Ngongole imalola wogwira ntchitoyo kupanga chisankho chimodzi - pamene akuyembekeza kuti ayambe kutaya ndalama - ndipo alole ndalamazo kuti azichita zina zonse.
Potsata mfundo zoyendetsera ndalama, bwana wamkulu ayenera kukhala wokonzeka kutenga chiopsezo chachikulu kuposa mwini ndalama. Wothandizira wamng'ono amakhala ndi nthawi yochuluka yokwera ndikukwera. Kusakanikirana kwachuma mkati mwa Ndalama za L kumasintha pakapita nthawi kuti zikhale zowonongeka pamene chaka cha ndalama chikuyandikira. Njira yowonjezera yowonjezera imatanthawuza zochepa zochepa koma zochepa zomwe zingapezeke.
Pakalipano pali ndalama zisanu zapadera zomwe zikupezeka ku Mapulani Otsogolera Ophunzira:
- L 2050
- L 2040
- L 2030
- L 2020
- L Mapindu
L Income Fund ndi omwe akupanga nawo ndondomeko omwe ali kale kuchotsa ndalama kapena cholinga chawo pakati pa chaka cha 2014 ndi 2014. Ogwira ntchito ku federal omwe akufuna kuti ayambe kutenga ndalama pakati pa zaka 10 ayenera kusankha ngati angathe kuchoka msanga kapena mochedwa kuposa awo chaka chosankhidwa ndikugwiritsira ntchito ndalama. Pamene nthawi ikupitirira, ndalama zambiri L zidzalengedwera kuti zidzalowe m'malo omwe asakhalanso atatha.
Ndalama zaumwini
Ngati okonza mapulani akufuna kuyang'anira nkhani zawo mosamala, adzalumphira L Fund ndi kuika ndalama zawo payekha. Ngakhale ndalama za L zimakhala zochepa pang'onopang'ono pa nthawi, ophunzira omwe amagwiritsa ntchito ndalama payekha amayenera kusamala kuti ali ndi chiopsezo chotani chokhalitsa. Ndalamazi zimaphatikizapo kusakaniza malonda mkati mwa ndalama za L.
Pali ndalama zisanu zokha zokhazokha zokambirana za Othandiza Kusunga Mphamvu.
Gulu la Investment Investment (G) Fund
Ndalamayi imapereka ndalama zokhazokha zachinsinsi cha US Treasury. Zopindulitsa zimakhala zofanana ndi zomwe zimakhala zotetezedwa ku Treasury nthawi yaitali. Palibe chiopsezo chotayika wamkulu.
Common Stock Investment (C) Fund
Thumba ili likufanana ndi Standard & Poor's 500 (S & P 500). Ndalama zimachokera ku makampani akuluakulu a US.
Fomu ya Fixed Investment Investment (F) Fund
Thumba ili likufanana ndi Barclays Capital US Aggregate Bond Index. Zolinga za thumba ili zimachokera kumadera osiyanasiyana a msika wogulitsa.
Ndalama ya Small Capitalization Stock Index (S) Fund
Ngongoleyi ikufanana ndi Dow Jones US Kukwaniritsa Total Stock Market (TSM) Index. Zili zovuta kwambiri kuposa ndalama zina koma zimapereka ndalama zambiri.
International Stock Index Investment (I) Ndalama
Ngongoleyi ikufanana ndi Morgan Stanley Capital International Index ya EAFE.
Zimakupatsani mwayi wokhala ndi makampani akuluakulu m'mayiko otukuka.
Guide of Note: Zomwe zili m'nkhani ino ndi zokhudzana ndi chidziwitso chokha. Nkhaniyi siyikupereka malangizo othandizira. Funsani akatswiri azachuma oyenerera kuti apereke uphungu wamalonda.