Tsoom Fwv Teb Chaws Reserve Cov paj laum Hikes ua rau koj cov nyiaj laus ua haujlwm li cas?

Tsoom Fwv Teb Chaws Reserve nyuam qhuav nce cov paj laum dua thiab txuas ntxiv ua qhov kev lees paub tiv thaiv cov lej nyiaj txiag hauv keeb kwm.

Qhov ntawd ua li cas rau koj cov peev nyiaj lag luam?

Robert R. Johnson, xibfwb ntawm Heider College of Business ntawm Creighton University hauv Charlottesville, Virginia hais tias "Cov paj laum yog cov khoom tseem ceeb rau cov txheej txheem ntsuas-thiab cuam tshuam rau tus nqi ntawm cov khoom lag luam thiab cov ntawv cog lus," "Warren Buffett tau hais tias, 'Cov paj laum yog cov khoom vaj khoom tsev nqi dab tsi lub ntiajteb txawj nqus yog rau cov kua. Thaum muaj cov paj laum tsawg, muaj qhov qis heev rub ntawm cov khoom vaj khoom tsev.' Cov txiaj ntsig ntawm zero cov paj laum yog ua kom nce tus nqi ntawm cov khoom lag luam vim tias txo qis kev txhawb nqa los tuav tsoomfwv cov nuj nqis tsis muaj kev pheej hmoo. Raws li peb pom cov nqi nce, peb yuav pom qhov txaus nyiam ntawm tsoomfwv cov nuj nqis nce ntxiv thiab rov qab mus rau cov khoom lag luam thiab lwm yam khoom muaj feem pheej hmoo txo ​​qis. Qhov thib ob, tus nqi nce siab nce lub tuam txhab tus nqi peev, thiab, tag nrho lwm yam sib npaug, txo cov txiaj ntsig ntawm kev lag luam vim tias cov tuam txhab them cov paj laum ntau dua. Qhov thib peb, ntau tus tub ua lag luam siv cov paj laum - qiv nyiaj - los yuav cov khoom lag luam thiab lwm yam khoom muaj nqis. Kev nce hauv cov paj laum tsawg dua qhov kev thov qiv nyiaj ntawm cov paj. Thib plaub, muaj qhov hloov pauv yooj yim uas ua rau muaj kev nce nqi paj laum raws li qhov txaus nyiam ntawm cov ntawv pov thawj tshiab (nrog cov nyiaj cog lus siab dua) nce ntxiv rau qhov xav tau ntawm lwm yam kev nyab xeeb. "

Yog tias koj so haujlwm lossis tab tom yuav so haujlwm, Fed qhov kev tawm mus sai los ntawm kev txo qis rau hawkish aggression tau ua rau muaj kev cuam tshuam rau koj qhov teeb meem nyiaj txiag meej thaum koj xav tau kev ruaj ntseg thiab kev ntseeg siab hauv kev rov qab los.

Tommy Gallagher, tus thawj tswj hwm kev nqis peev thiab tus Founder ntawm Top Mobile Banks uas nyob hauv Berne, Switzerland hais tias "Kev nce cov paj laum tuaj yeem ua rau muaj kev cuam tshuam rau kev nqis peev nyiaj laus, vim tias lawv tuaj yeem ua rau nws nyuaj rau cov tub ua lag luam los tsim cov nyiaj rov qab," thiab Ann Arbor, Michigan. "Thaum cov paj laum nce siab, nws txhais tau tias cov tub ua lag luam yuav tsum tau them nyiaj ntau dua rau lawv cov peev txheej, thiab nws tuaj yeem nyuaj dua kom tau txais txiaj ntsig los ntawm lawv. Qhov no tuaj yeem cuam tshuam tsis zoo rau cov nyiaj laus, vim tias cov nyiaj rov qab yuav tsis siab npaum li lawv ib zaug. "

Cov neeg laus feem ntau sau lawv cov nyiaj laus thaum lawv so haujlwm. Qhov no txhais tau tias lawv yuav siv cov nyiaj tau los lossis muag qee cov cuab tam los them cov nuj nqis so haujlwm. Cov paj laum nce, ua ke nrog cov ntaub ntawv nyiaj txiag siab, sawv cev rau rab ntaj ob sab.

"Yog tias cov neeg so haujlwm thim nyiaj los ntawm cov khoom lag luam thiab / lossis cov ntawv cog lus rau cov nyiaj tau los uas xav tau (nqa cov nyiaj tau los, paj paj, thiab muag qee tus thawj tswj hwm), lawv yuav tsum tau muag cov khoom muaj nqis ntxiv ntawm lawv cov nqi qis dua los tswj cov nyiaj tau los uas tau txais ua ntej. qhov nce ntawm cov paj laum, "said Mark D. Kinsella ntawm Family Planning Services hauv Wheaton, Illinois. "Yog tias cov paj laum nce, cov nqi hauv khw muag khoom thiab cov lag luam wholesale tej zaum yuav nce. Yog li, txhawm rau pab kom lawv cov nyiaj tau los ua kom cov nqi nce ntxiv, cov neeg so haujlwm yuav tsum tau muag cov khoom muaj nqis ntxiv kom tau txais cov nyiaj tau los uas xav tau los tswj kev ua neej nyob. Nyob rau tib lub sijhawm, qhov no tuaj yeem ua rau muaj kev puas tsuaj rau cov peev txheej. "

Yog tias koj tseem khaws koj cov nyiaj laus nyob rau hauv 401 (k) txoj kev npaj, lossis yog tias koj nqis peev hauv cov nyiaj sib koom ua ke uas muaj cov ntawv cog lus (nrog rau cov nyiaj tshuav thiab cov nyiaj hnub tim), koj cov ntaub ntawv tau ntsib qhov tsis txaus ntseeg ntawm cov paj laum.

"Rau cov neeg uas muaj 401 (k) s, uas suav nrog cov peev nyiaj sib koom ua lag luam hauv cov ntawv cog lus, nws zoo li cov paj laum yuav cuam tshuam tsis zoo rau lawv cov nqi sib koom thiab, thaum kawg, tus nqi ntawm cov cuab tam," hais tias Richard Gardner, CEO ntawm Modulus hauv Scottsdale, Arizona.

Cov xov xwm, txawm li cas los xij, tsis yog txhua yam phem.

"Qhov nce ntawm cov paj laum yuav ua rau poob qis hauv cov nqi sib koom thiab cov khoom muaj nqis ntawm ib qho kev sib koom ua ke uas koj muaj hauv koj li 401(k) txoj kev npaj ua lag luam hauv daim ntawv cog lus," said Steven Holmes, Senior Investment Advisor ntawm iCASH raws li tawm ntawm Toronto, Canada. "Ntawm qhov tod tes, raws li cov nyiaj no ntxiv kev tuav pov hwm tshiab them tus nqi siab dua rau lawv cov ntaub ntawv, lawv cov nyiaj tau los yuav nce ntxiv raws sijhawm."

Yog tias koj xav nyob hauv chav kawm cov nyiaj tau los tas li, lub tswv yim zoo tshaj plaws uas koj tuaj yeem ua raws li yuav txwv koj cov peev nyiaj rau ib tus neeg daim ntawv cog lus thiab ntaiv uas portfolio.

Rubin Miller, Tus Thawj Saib Xyuas Kev Lag Luam ntawm Perspective Wealth Partners hauv Austin, Texas hais tias "Rau cov ntawv cog lus-cov neeg so haujlwm feem ntau siv lawv lub sijhawm xav txog-nws yog qhov yooj yim heev," "Yog tias koj tab tom nqis peev hauv kev nqis peev qib qiv nyiaj (raws li feem ntau koj yuav tsum zam kom tsis txhob muaj kev pheej hmoo), ces txoj cai zoo tshaj plaws ntawm tus ntiv tes xoo yog tias koj lub sijhawm yuav tsum luv dua li koj txoj kev nqis peev. Qhov no yuav muab sijhawm txaus rau koj los khaws cov ntawv poob rau hauv cov nqi raws li cov nyiaj koj muaj muaj cov ntawv cog lus qub kom loj hlob mus yuav cov nyiaj tau los tshiab dua lossis sijhawm txaus rau tus kheej daim ntawv cog lus koj muaj rau kev loj hlob, thiab koj tuaj yeem ua txoj haujlwm no koj tus kheej. "

Yog tias koj muaj hmoo txaus tsis tas yuav tsum muag cov khoom muaj nqis kom muaj kev so zoo, qhov cuam tshuam ntawm kev nce nqi, tsawg kawg yog nws cuam tshuam rau koj cov ntaub ntawv, yuav tsis cuam tshuam.

Kinsella hais tias "Rau cov neeg so haujlwm tsis tau txais cov nyiaj tau los ntawm cov khoom lag luam thiab cov ntawv cog lus, vim tias cov paj laum nce, cov txiaj ntsig ntawm cov khoom lag luam thiab cov ntawv cog lus yuav poob qis, thiab, ntawm qhov chaw, qhov no yuav raug mob," Kinsella hais. "Txawm li cas los xij, yog tias cov cuab tam tsis raug muag txhawm rau muab nyiaj rau tus tswv, yuav tsis muaj kev phom sij rau tus neeg ua lag luam / tus tswv."

Kev nce nqi paj kuj tseem cuam tshuam rau vaj tsev, txawm tias koj tuav nws rau kev siv tus kheej lossis kev nqis peev.

Alex Byder, tus tswv ntawm BD Home Holdings, LLC hauv Lafayette, Indiana hais tias "Qhov kev pheej hmoo loj tshaj plaws ntawm cov paj laum yog tias nws ua rau nws kim dua qiv nyiaj," "Yog tias koj muaj qhov sib txawv ntawm cov nqi tsev, piv txwv li, ces koj muaj kev pheej hmoo ntawm kev them nqi tsev ntau dua."

Los ntawm kev pom kev nqis peev, nce paj paj tuaj yeem txwv lub peev xwm los kos cov nyiaj tau los ntawm kev tuav vaj tsev. Tsis tas li ntawd, cov nqi tsev qiv nyiaj ntau dua ua rau muaj kev sib tw thaum sim muag cov cuab yeej. Qhov no siv rau cov neeg laus uas xav txav mus rau ib lub tsev me me.

"Thaum tib neeg muaj cov ntaub ntawv nyiaj laus zoo, tsuas yog thaj chaw uas tuaj yeem ua rau cov neeg laus laus tuaj yeem nyob hauv lawv cov khoom vaj tsev vim tias tsawg dua cov neeg tuaj yeem tuaj yeem yuav av nrog cov paj laum ntau dua," hais tias Omer Reiner, Thawj Tswj Hwm ntawm FL Cash Home Buyers, LLC hauv Ft. Lauderdale, Florida Asmeskas. "Muaj ntau tus neeg tau tshaj tawm tias cov neeg so haujlwm yuav muaj lub sijhawm nyuaj txo qis, tab sis yog tias lawv muag lawv lub tsev thiab muaj cov nyiaj laus zoo, lawv yuav tsum muaj peev xwm txo qis siv nyiaj ntsuab ib leeg."

Thaum nce cov paj laum cuam tshuam rau kev nqis peev, qhov cuam tshuam tsis zoo ib yam ntawm txhua qhov kev nqis peev. Nws ua rau kev nkag siab txog qhov sib txawv thiab nqis peev raws li.