Nrog kev nce nqi nce mus txog 40-xyoo siab ntawm 7% lub hli tas los, Tsoom Fwv Teb Chaws Reserve Chair Jerome Powell tau cog lus tias yuav xa tus nqi ruaj khov rau cov neeg siv khoom.
Tab sis ntau tus kws tshaj lij kwv yees tus nqi siab dua yuav nyob ib puag ncig thoob plaws xyoo 2022, ua rau muaj kev lag luam tsis hloov pauv rau ib xyoos. Thiab qhov ntawd, tau kawg, ua rau tib neeg ntshai me ntsis.
Tsuas yog kwv yees li 40% ntawm cov neeg Asmeskas hais tias lawv muaj kev ntseeg siab hauv Asmeskas kev lag luam, nqis los ntawm 69% ua ntej muaj kev sib kis, raws li cov 2022 Wealth & Wellness Index tshaj tawm los ntawm Tus Kheej Peev.
Tab sis ua li cas tag nrho cov kev txav mus los no cuam tshuam li cas rau qhov nruab nrab Asmeskas cov peev nyiaj thiab cov nyiaj laus? Xya tus kws npaj nyiaj txiag qhia Fortune tias cov no yog cov kauj ruam uas tib neeg tuaj yeem ua rau txo qis qhov cuam tshuam ntawm kev nce nqi ntawm lawv cov peev txheej.
Tshawb xyuas koj cov peev txheej
Nws yog ib lub tswv yim zoo los saib xyuas koj cov peev txheej thiab cov hom phiaj nyiaj txiag ib ntus, tab sis nyob rau hauv ib puag ncig tam sim no, nws tsim nyog ua qhov ntawd sai dua tom qab. Yog tias koj ua haujlwm nrog tus kws pab tswv yim nyiaj txiag, kom lawv rov qab ua txhua lub hom phiaj uas siv tus nqi nce siab dua. Feem ntau cov qauv, piv txwv li, xav tias tus nqi nce nqi 3%, uas tej zaum yuav qis dhau yog tias koj npaj yuav so haujlwm nyob rau ob peb xyoos tom ntej no.
Seth Mullikin, CFP thiab tus tsim ntawm North Carolina-based Lattice Financial hais tias "feem ntau, cov neeg siv khoom yuav tsum muaj cov ntaub ntawv khaws cia uas tuaj yeem tiv taus qee qhov kev nce nyiaj txiag. Yog tias qhov no, tej zaum yuav tsis muaj ntau yam uas koj yuav tsum tau hloov. Tab sis cov tub ua lag luam uas muaj cov ntaub ntawv pov thawj uas feem ntau tau nqis peev hauv cov nyiaj tau los ruaj ntseg yuav xav rov ntsuas dua, Mullikin hais.
Feem ntau qhov no yuav txhais tau tias kev hloov kho me me rau tag nrho cov khoom vaj khoom tsev faib los xyuas kom meej tias cov nyiaj rov qab tau dhau los ntawm kev nce nqi.
Tsis txhob tso tseg koj cov khoom lag luam
Cov khoom lag luam, keeb kwm, tau muaj txiaj ntsig zoo tiv thaiv kev nce nqi, qee qhov kev lag luam ntau dua li lwm tus, yog li cov kws npaj nyiaj txiag tawm tswv yim tawm tsam kom tshem tawm cov khoom lag luam lossis cov peev nyiaj sib npaug.
Cov kev nqis peev no tuaj yeem pab txo qis cov txiaj ntsig ntawm kev nce nqi. Greg Giardino, CFP nrog JM Franklin & Company hauv New York hais tias "Keeb kwm hais lus, kev noj qab haus huv ntawm cov khoom lag luam muaj zog tau them nyiaj rau tej zaum qhov zoo tshaj plaws tiv thaiv kev nce nqi," John Scherer, tus kws npaj nyiaj txiag thiab tus tsim ntawm Wisconsin-based Trinity Financial Planning, pom zoo kom nqis peev hauv cov peev nyiaj sib koom tes.
"Cov tuam txhab lag luam yog qhov zoo tshaj plaws los hloov kho rau kev nce nqi," nws hais. Kev nqis peev hauv tuam txhab lag luam ua rau muaj kev nkag siab zoo vim tias feem ntau, lawv tuaj yeem hla tus nqi nce rau cov neeg siv khoom thiab ua kom lawv cov nyiaj tau los tsis zoo thiab lawv cov nqi sib koom. Scherer hais tias "Yog li kev nqis peev hauv kev lag luam, sib txawv los ntawm kev siv cov peev nyiaj sib koom ua ke, yog qhov txiaj ntsig zoo ntawm kev nce nqi," Scherer hais.
Alec Quaid, CFP nrog Colorado-based American Portfolios Denver hais tias "Qhov tseeb yog tias cov neeg siv khoom yuav xav tau kom muaj kev txaus siab muaj cov khoom lag luam ntau dua li lawv xav tau." Ib feem ntawm cov khoom lag luam yuav tsum tau nqis peev hauv cov peev txheej kom yeej kev nce nqi.
Nws hais tias "Nws yog ib qho tseem ceeb uas yuav tsum nco ntsoov tias muaj ob txoj hauv kev kom poob nyiaj: koj $ 1 txo qis rau 90 xees lossis koj $ 1 tsuas yog yuav 90 xees tus nqi ntawm cov khoom yav tom ntej," nws hais.
Ua tib zoo ntsuas qhov kev nqis peev ntawm daim ntawv cog lus
Bonds diversify thiab sib npaug ntawm cov ntaub ntawv tab sis feem ntau xa tawm qis dua. Cov tub ua lag luam feem ntau xav txog lawv qhov kev nyab xeeb dua thawj koom ruam, tshwj xeeb tshaj yog cov neeg nyob ze rau cov nyiaj laus uas tsis xav ua phem rau lawv cov nyiaj khaws cia thaum lawv nyob ze rau qhov kawg.
Rau cov neeg uas muaj kev txhawj xeeb tshwj xeeb txog kev nce nqi, thiab cov uas tau nyob ze (lossis twb nyob rau hauv) cov nyiaj laus, Giardino hais tias Treasury Inflation-Protected Securities (TIPS) tuaj yeem yog ib qho kev nqis peev zoo rau cov nyiaj luv luv lossis cov nyiaj nruab nrab.
Cov ntawv cog lus no tau teeb tsa kom raws li kev nce nqi nce ntxiv, tus nqi tseem ceeb ntawm daim ntawv cog lus yuav nce nqi, Giardino hais. Txawm li cas los xij, nws tsim nyog sau cia tias TIPS tuaj yeem kim dua li koj daim ntawv cog lus nruab nrab vim tias lawv muaj qee qhov kev tiv thaiv kev nce nqi, yog li nws tsim nyog xav txog seb hom kev nqis peev no haum rau koj qhov xwm txheej thiab cov hom phiaj peev.
Hla cov nyiaj ntsuab thiab diversify koj cov peev txheej
Yog tias ib qho cuab yeej cuab tam twg yog qhov yooj yim tshaj plaws nyob rau lub sijhawm nce kev nce nqi, nws yog nyiaj ntsuab, hais tias Jon Ulin, CFP thiab tus tsim ntawm Florida-based Ulin & Co. Wealth Management.
Ulin hais tias "Tus nqi nce ntxiv ua rau tus nqi ntawm kev tuav nyiaj ntsuab, qhia txog qhov tseem ceeb ntawm kev nqis peev hauv cov ntaub ntawv sib txawv uas tsim nyog txawm tias koj so haujlwm lossis tsis," Ulin hais. Piv txwv li, nws suav hais tias tus nqi tuav $ 250,000 hauv cov nyiaj ntsuab yuav yog $ 17,500 poob hauv kev yuav khoom hauv ib xyoos uas xav txog 7% kev nce nqi.
"Rau cov tub ua lag luam, nws tseem yog ib qho tseem ceeb kom nyob twj ywm muaj ntau haiv neeg thiab tuav cov cuab tam uas tuaj yeem hloov mus rau kev hloov pauv nyiaj txiag ib puag ncig, Ulin hais. Ntau cov cuab yeej cuab tam uas cov tub ua lag luam twb muaj cov khoom no, suav nrog cov khoom lag luam, cov khoom muag, thiab vaj tse. Ulin hais tias nws twb tau siv los tiv thaiv kev nce nqi thiab cov paj laum nyob rau hauv nws cov neeg siv khoom cov tswv yim sib txawv cov ntaub ntawv uas suav nrog kev nqis peev hauv se thiab hauv nroog TIPS, cov nqi qiv nyiaj, thiab cov khoom lag luam nyiam ETFs, nrog rau cov khoom muag, roj, nyiaj txiag, kev lag luam, thiab REIT sectors.
Nws kuj tseem yuav tsim nyog ntxiv lwm txoj hauv kev rau koj cov ntaub ntawv, hais tias Ashton Lawrence, CFP nrog Goldfinch Wealth Management hauv South Carolina. "Kev ncaj ncees ntiag tug thiab qiv nyiaj ntiag tug yog tam sim no nthuav kev xaiv uas cov tub ua lag luam tuaj yeem ntxiv rau lawv cov ntaub ntawv rau kev sib txawv ntxiv," nws hais. Nws hais ntxiv tias cov ntawv sau tseg thiab buffered ETFs kuj yog cov kev xaiv uas tib neeg tuaj yeem xav txog yog tias lawv txhawj xeeb txog kev lag luam poob qis, tab sis tseem xav kom muaj peev xwm ntes qee qhov rov qab yog tias kev lag luam ua tau zoo dua li qhov xav tau.
Ntxiv rau kev hloov pauv kev nqis peev, cov neeg siv khoom yuav tsum tau saib lawv cov nyiaj tau los thiab kev siv nyiaj, hais tias Marco Rimassa, CFP thiab tus tsim ntawm Texas-based CFE Financial. Qhov ntawd suav nrog kev nthuav dav nyiaj txiag zoo li nrhiav txoj hauv kev kom tau nyiaj ntau dua, yog tias ua tau, thiab khaws cov nqi hauv kab, xws li kev hloov pauv rau cov kev xaiv pheej yig dua ntawm lub khw muag khoom noj thiab nquag tshawb nrhiav cov nqi zoo tshaj.
Rimassa hais tias "Cov tub lag luam yuav tsum tau ua si tiv thaiv kev nce nqi siab hauv lwm qhov chaw ntawm lawv lub neej nyiaj txiag," Rimassa hais.
Zaj dab neeg no tau pib tshwm sim rau ntawm Fortune.com
Tau qhov twg los: https://finance.yahoo.com/news/7-financial-planners-explain-invest-130000128.html