Cov neeg txuag nyiaj laus muaj kev ntxhov siab, thiab leej twg tuaj yeem liam lawv? Lub lag luam bull ntev uas txhawb nqa 401 (k) sib npaug rau ntau tshaj ib xyoo caum tau xaus thaum muaj kev nce nqi nce ntxiv, kev cia siab ntawm kev lag luam poob qis, kev sib cav nom tswv, thiab kev ua tsov rog hauv Ukraine.
Cov khoom lag luam tau poob txog 19% rau lub xyoo, daim ntawv cog lus poob qis 11%, thiab cov phiaj xwm hnub tim, uas tuav ob qho tib si, tau nqis los ntawm qhov chaw nruab nrab. "Peb nyob hauv lub lag luam dais, thiab ntau tus neeg tawm tsam," said Stanley Teitelbaum, tus kws paub txog kev puas siab puas ntsws thiab tus kws sau ntawv. Cov Nyiaj Ntse: Ib Daim Ntawv Qhia Txog Psychologist kom kov yeej tus kheej-tsim qauv hauv Tshuag Kev Lag Luam Kev Lag Luam.
Qhov tseem ceeb, cov kws tshaj lij hais tias, yog tswj hwm txhua qhov kev ntxhov siab nyiaj txiag uas koj xav tau - thiab tsis txhob cia nws tswj koj. Nov yog qee cov lus qhia.
Mus Yooj Yim ntawm Koj Tus Kheej
Yog tias koj muaj kev ntxhov siab, txiav koj tus kheej ib co slack. Txhua tus tau dhau los ntau dhau los 21/2 xyoo. Sian Beilock, tus kws paub txog kev txawj ntse thiab tus thawj tswj hwm ntawm Barnard College tau hais tias "Nws tsis yog kev lag luam hauv kev sib cais xwb." “Nws yog qhov kev hloov pauv nom tswv. Nws tab tom cuam tshuam nrog Covid. "
Cov kev ntxhov siab no muaj kev cuam tshuam ntau dua, hais tias Michael Cunningham, tus xibfwb thiab kws kho mob hlwb hauv chav haujlwm ntawm kev sib txuas lus ntawm University of Louisville. Nrog rau cov txiaj ntsig ntxiv, koj yuav ntxiv qhov tsis zoo-10 thiab qhov tsis zoo-10 thiab tau txais qhov tsis zoo-20, tab sis nrog cov txiaj ntsig sib piv ob qhov tsis zoo 10s xav zoo li qhov tsis zoo 100.
Cov ntawv xov xwm sau npe
Nyiaj
Barron coj cov tswv yim npaj tawm nyiaj laus thiab tawm tswv yim rau koj hauv kev sau ntawv txhua lub lim tiam hais txog kev npaj rau lub neej tom qab ua haujlwm.
Yog li nws tsis xav tsis thoob tias qee cov tub ua lag luam tau ua rau lub lag luam dais tam sim no zoo li nws yog qhov tsis tshua muaj, kev puas tsuaj loj - "dub-swan xwm txheej," hauv kev hais lus nyiaj txiag - tsis yog lub vaj - ntau yam dais lag luam. Jonathan Blau, CEO ntawm Fusion Family Wealth hauv Woodbury, NY hais tias "Nruab nrab ntawm kev ntshai ntawm kev lag luam nyiaj txiag, kev nce nqi, kev nce qib thiab kev ua tsov ua rog, cov tshuaj tiv thaiv rau qhov kev tshwm sim dawb-swan tau ua rau cov tshuaj tiv thaiv dub-swan," said Jonathan Blau, CEO ntawm Fusion Family Wealth hauv Woodbury, NY.
Sim xyaum ua kev khuv leej tus kheej, Beilock tau hais. "Nws yog ib qho tseem ceeb, tshwj xeeb tshaj yog nyob rau lub sijhawm tsis paub tseeb uas peb nyob hauv tam sim no, kom ... nkag siab tias cov kev xav no zoo li qub," nws hais ntxiv. "Muab lub sijhawm nyuaj rau peb tus kheej tau pom tias ua rau cuam tshuam peb lub peev xwm ua kom pom tseeb, uas yog qhov tseem ceeb hauv kev txiav txim siab."
Tau txais qee qhov Kev Pom Zoo
Nws pab kom nco ntsoov tias kev lag luam yog cyclical, thiab lawv yuav tsum nce thiab nqis. Lawv zoo li nce mus ntev ntev - txij li xyoo 1926, S&P 500 tau tshaj tawm qhov nruab nrab rov qab ntawm ib ncig ntawm 10% - tab sis kev poob qis yog ib txwm muaj thiab tsis yog ib qho qhia tias lub kaw lus tau ploj mus.
Muaj 14 lub lag luam dais txij thaum Tsov Rog Ntiaj Teb Zaum II, suav nrog tam sim no. Nws yuav siv sij hawm 14 lub hlis ntawm qhov nruab nrab rau cov khoom lag luam kom tau rov qab mus rau qhov tawg-txawm tias tom qab lub vaj-ntau yam dais lag luam, Sam Stovall, tus thawj coj peev txheej rau CFRA Kev Tshawb Fawb, thiab nrog qhov tob tshaj plaws ntawm bears, nws yuav siv sijhawm li tsib xyoos kom rov qab mus rau. kev sib cais. Cov neeg so haujlwm feem ntau muaj kev nqis peev ntev dua li qhov ntawd. Qhov tseeb, kev tshawb fawb qhia tias qhov kev pheej hmoo ntawm kev tawm ntawm koj cov khoom muaj nqis yog qhov kev hem thawj loj dua rau kev ruaj ntseg nyiaj laus dua li kev lag luam volatility.
Qhov ntawd tau hais tias, kev tshawb fawb tau suav tias qhov poob zoo li 2.5 npaug ntau dua li kev yeej zoo siab, Teitelbaum tau hais. Thaum nws nyuaj siab pom koj qhov peev nyiaj tshuav hauv qhov liab, tsuas yog nco ntsoov tias koj tsis tau poob nyiaj tshwj tsis yog tias koj tau muag tawm ntawm koj txoj haujlwm. Yog tias koj tos kom txog thaum kev lag luam rov qab los, koj yuav tau ua kom tag nrho. "Ib daim ntawv poob tsuas yog qhov ntawd," Stovall hais. "Nws tsuas yog poob tiag thaum koj coj nws."
Xav txog Kev Tau Txais Kev Pab
Yog tias koj txhawj xeeb txog koj cov ntaub ntawv khaws tseg, tus kws npaj nyiaj txiag tuaj yeem pab xyuas kom koj cov peev txheej muaj ntau haiv neeg thiab nyob rau huab cua cua daj cua dub. Yog tias koj tsis muaj phiaj xwm nyiaj txiag, tam sim no yog lub sijhawm zoo los ua ib qho, ntawm koj tus kheej lossis nrog tus kws tshaj lij. Kev txheeb xyuas koj lub hom phiaj - thiab seb koj lub tswv yim peev yuav pab tau koj li cas - tuaj yeem pab koj rub los ntawm kev lag luam poob qis thiab kev lag luam poob qis.
Txawm hais tias kev txav mus los tsis zoo, xws li rub koj cov nyiaj tawm ntawm cov khoom lag luam, kev hloov pauv me me tuaj yeem pab koj nyob hauv chav kawm, hais tias Preston Cherry, tus tsim thiab tus thawj tswj hwm ntawm Concurrent Financial Planning hauv Green Bay, Wis., thiab tus thawj tswj hwm ntawm Kev Kho Nyiaj Txiag. Koom haum. Piv txwv li, koj yuav hnov zoo hu rov qab koj 401 (k) kev pab cuam los ntawm ob peb feem pua cov ntsiab lus. Cherry tau hais tias "Yog tias koj xav tau nce nyiaj me ntsis, tsis muaj dab tsi tsis ncaj ncees lawm," Cherry hais.
Lub Koom Haum Saib Xyuas Kev Kho Nyiaj Txiag yog tswj hwm tus kws kho nyiaj txiag uas tau lees paub, lossis CFT-I, kev xaiv, ib daim ntawv pov thawj uas sib yuav cov tswv yim nyiaj txiag thiab kev puas siab puas ntsws los tshawb xyuas seb tib neeg xav li cas, xav thiab coj li cas txog nyiaj txiag.
Yog tias koj muaj kev ntxhov siab txog koj cov nyiaj txiag, dab tsi yog hom kev tshaj lij tshaj lij los koom nrog?
Qhov ntawd nyob ntawm qhov ua rau koj nyob hmo ntuj, Cunningham tau hais. Yog tias koj sawv ib hmos txhawj xeeb txog kev lag luam, tab sis hmo tom ntej nws yog tus kab mob liab, thiab tom ntej nws yog tsov rog hauv Ukraine (thiab koj tsis muaj kev sib txuas ntawm tus kheej), ces koj yuav raug kev ntxhov siab ntau dua, thiab tus kws kho mob hlwb lossis lwm tus. Tus kws kho mob hlwb tuaj yeem pab tau, Cunningham tau hais. Tab sis yog tias koj cov ntaub ntawv khaws cia tsis tu ncua ua rau koj tig thiab tig, ces koj thawj qhov chaw yuav yog tus kws pab tswv yim nyiaj txiag.
Thiab tsis txhob txo cov tswv yim sim-thiab-qhov tseeb rau kev tswj kev ntxhov siab. "Tsuas yog vim nws yooj yim thiab koj tau hnov nws ua ntej, tsis tau txhais hais tias nws tsis yog lus qhia zoo," Cunningham hais. "Koj yeej ua siab ntev nrog kev ua pa tob."
Sau rau Elizabeth O'Brien ntawm [email tiv thaiv]
