Txhua lub hlis kuv qhia kuv cov kev txhawj xeeb rau kuv tus kws pab tswv yim, tab sis nws hais tias tsis txhob txhawj thiab nws yuav rov qab los.
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Lus Nug: Kuv 401(k) tau ua zoo ib ntus, tab sis txij lub Ib Hlis xyoo no nws tau poob nyiaj uas kuv tsis muaj peev xwm poob lawm. Kuv xav so haujlwm hauv ib xyoos thiab kuv 401 (k) tau poob ntau dua 20% thiab tsis yog qhov loj heev los pib nrog. Txhua lub hlis kuv qhia kuv cov kev txhawj xeeb rau kuv tus kws pab tswv yim, tab sis nws hais tias tsis txhob txhawj thiab nws yuav rov qab los. Kuv tsis pom qhov ntawd tshwm sim sai sai no. Kuv yuav ua li cas? (Xav nrhiav tus kws pab nyiaj txiag? Koj tuaj yeem siv cov cuab yeej no kom tau txais txiaj ntsig nrog tus kws pab tswv yim nyiaj txiag uas yuav ua tau raws li koj xav tau ntawm no.)
teb: Feem ntau, 20% poob rau ib tus neeg so haujlwm hauv ib xyoos qhia tias tus as-qhauj yuav raug nqis peev ntau dhau, hais tias tus kws npaj nyiaj txiag tau lees paub Daniel P. Forbes ntawm Forbes Financial Planning, Inc. Hais tias, tus kws tshaj lij nyiaj txiag tau lees paub Grace Yung ntawm Midtown Financial taw qhia. tias qhov no yog xyoo kev xaiv tsa ib nrab xyoo thiab keeb kwm, xyoo kev xaiv tsa nruab nrab yog qhov hloov pauv vim tsis paub tseeb. Yung hais tias "Peb muaj ntau lwm yam uas ua rau kev ua lag luam tam sim no xws li kev nce nyiaj nce siab, nce cov paj laum thiab kev tsis sib haum xeeb hauv thaj chaw," Yung hais.
Muaj lus nug txog kev cuam tshuam nrog koj tus kws npaj nyiaj txiag lossis nrhiav ntiav ib tus tshiab? Email [email tiv thaiv].
Yog li koj puas xav tau tus kws pab tswv yim nyiaj txiag tshiab (koj tuaj yeem siv cov cuab yeej no kom tau txais kev sib tw nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau)? Pros hais tias nyob ntawm. Thawj qhov yuav tsum muaj kev sib tham loj nrog koj tus kws pab tswv yim tam sim no vim tias nws zoo li koj cov peev txheej peev txheej yuav ua rau muaj kev txhoj puab heev rau koj txaus siab caij tawm ntawm kev lag luam nce thiab nqis. "Tsis txhob cia siab rau qhov rov qab-rov qab, tus neeg siv khoom thiab tus kws pab tswv yim yuav tsum rov mus saib xyuas qhov kev pheej hmoo thiab nyiaj laus cov nyiaj tau los kwv yees kom paub tseeb tias txhua yam tau ua tiav," Forbes hais. Thiab John Piershale, tus kws npaj nyiaj txiag muaj ntawv pov thawj ntawm John Piershale Wealth Management hais tias: "Nug koj tus kws pab tswv yim rau kev ntsuas kev pheej hmoo ntawm koj cov ntaub ntawv tiv thaiv koj qhov kev pheej hmoo thiab tom qab ntawd hloov kho."
Rau nws feem, Ian Rea, tus kws npaj nyiaj txiag tau lees paub ntawm Slate Peak Financial Services, hais tias: "Yog tias koj tsis txaus siab tiag tiag nrog cov qib tsis hloov pauv hauv koj cov ntaub ntawv, tham ncaj qha txog qhov ntawd nrog koj tus kws pab tswv yim. Koj muaj kev xaiv tshaj li tsuas yog muag txhua yam thiab ua kom poob mus tas li. Nug koj tus kws pab tswv yim kom hloov pauv cov ntaub ntawv mus rau kev saib xyuas me ntsis, "Rea hais. Uas tau hais tias, qhov ntawd yuav txhais tau tias kaw qee qhov kev poob tam sim no.
Ib yam uas tus kws pab tswv yim yuav ua qee yam yog, cov kws tshaj lij hais, yog qhia koj kom nyob twj ywm hauv chav kawm. Tseeb, Rea hais tias nws yog ib qho tseem ceeb uas yuav tsum nco ntsoov tias koj tseem tsis tau muaj qhov poob 20%. “Qhov ntawd tsuas yog tshwm sim yog tias koj muag. Nyob rau lub sijhawm no, nws tsuas yog poob qis ntawm tus nqi, uas tuaj yeem xav tias yuav tshwm sim ib ntus, txawm tias qhov kev nqis peev zoo tshaj plaws, "Rea hais. Thiab rau nws feem, Elliot Dole, tus kws tshaj lij kev npaj nyiaj txiag ntawm Buckingham Strategic Wealth, hais tias tsis muaj leej twg nyiam pom lawv cov ntaub ntawv poob qis, tab sis kev ntshai ntawm kev muag khoom tuaj yeem ua rau muaj kev puas tsuaj nyiaj txiag tiag. "Qhov ntawd 'tawm kuv tawm' kev muag khoom yuav zoo siab rau lub sijhawm luv, tab sis thaum kev lag luam rov qab los thiab koj raug tso tseg, koj tab tom ntsib lwm qhov kev txiav txim siab nyuaj ntawm lub sijhawm rov qab los, tam sim no ntawm tus nqi siab dua," Dole hais.
Tab sis nws yog me ntsis ntawm tus chij liab uas koj tus kws pab tswv yim yuav tsis tau nqis peev koj cov nyiaj hauv txoj hauv kev uas haum rau koj txoj kev pheej hmoo: Qhov ntawd yog qee yam nws yuav tsum tau txiav txim siab ua ntej nqis peev nyiaj. Thiab tus kws tshaj lij kuj yuav tsum muaj kev sib koom ua lag luam kev cia siab nrog koj. "Tus kws npaj nyiaj txiag yuav tsum tau teeb tsa qhov kev cia siab tiag tiag hauv kev lag luam nce thiab nqis thiab mloog cov neeg siv khoom xav tau thiab kev pheej hmoo txaus ntshai. Hauv qhov piv txwv no, tus neeg siv khoom zoo li tau ntxhov siab thiab tsis xis nyob thiab qhov no tuaj yeem ua rau muaj kev sib raug zoo tsis zoo, "hais tias tus kws npaj nyiaj txiag tau lees paub Andrew Feldman ntawm AJ Feldman Nyiaj Txiag. (Koj tuaj yeem siv cov cuab yeej no kom tau txais kev sib tw nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.)
Tau qhov twg los: https://www.marketwatch.com/picks/every-month-i-express-my-concerns-to-my-adviser-but-he-says-not-to-worry-my-401-k- has-poob-over-20-and-i-cant-afford-to-poob-that-zoo-of-money-is-it-time-to-find-a-new-adviser-01654891132?siteid=yhoof2&yptr= yahoo