Lus Nug: Ob xyoos dhau los kuv tus txiv tau txais nyiaj laus thaum ntxov thaum nws lub tuam txhab muab. Lub sijhawm ntawd peb muaj 401 (k) nrog txog $ 550,000 uas peb tau muab rau lub tuam txhab kev pabcuam nyiaj txiag loj los daws. Txij thaum ntawd los peb tau poob $88,000 vim kev lag luam tsis zoo thiab kev txiav txim siab. Peb tau qhia peb qhov kev xav tau rau txoj hauv kev zoo. Ib feem loj yog khi rau hauv daim ntawv cog lus thiab qhov nyiaj ntawd zoo li ntau dhau los poob!
Dab tsi yog qhov phem dua, tus neeg sawv cev tseem qhia peb tias peb $ 4,750 ib hlis kos ntau dhau. Peb puas hloov cov neeg sawv cev hauv lub tuam txhab? Dhia nkoj thiab hloov txhua yam mus rau lwm lub tuam txhab? Peb puas yuav tsum nyob tsawg dua li peb xav kom tsuas yog ua kom poob? (Xav nrhiav tus kws pab nyiaj txiag ib yam nkaus? Cov cuab yeej no tuaj yeem pab koj nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.)
teb: Muaj ob peb lo lus nug los nug ntawm no: Ua ntej, koj tus kws pab tswv yim puas tau ua txhaum rau cov kev poob loj; thib ob, koj qhov kev rho tawm yog tsim nyog; thiab peb, koj ua li cas txog qhov xwm txheej tus kws tshaj lij?
Cia peb pib ntawm sab saum toj: Puas yog $ 88,000 ntawm $ 550,000 portfolio ntau dhau los poob, tshwj xeeb tshaj yog xav tias koj nug txog kev saib xyuas? Raws li cov ntaub ntawv no, koj poob 16%, uas yog qhov tseeb tsawg dua US Tshuag lag luam poob tag nrho (raws li kev sau tsab ntawv no), tab sis me ntsis siab dua tag nrho cov nyiaj ua lag luam. Koj tus kws pab tswv yim yuav xav tias daim ntawv cog lus yuav yog ib qho kev nqis peev zoo, vim tias lawv muaj kev nyab xeeb tsis zoo, tab sis cov paj laum nce siab thoob plaws xyoo tas los ua rau cov nyiaj rov qab los ntawm cov ntawv cog lus tau poob qis hauv keeb kwm tshiab.
Puas muaj teeb meem nrog koj tus kws pab tswv yim nyiaj txiag lossis nrhiav tus tshiab? Email [email tiv thaiv].
Tseeb tiag, xyoo tas los no yog lub xyoo nyuaj rau ob qho tib si Tshuag thiab daim ntawv cog lus lag luam, nrog rau US cov khoom lag luam yuav luag 20% raws li Fortune thiab bonds down around -13% raws li CNBC. "Thaum nws los txog rau kev nqis peev, ob qho tib si hauv cov khoom lag luam thiab cov ntawv cog lus, nws yuav tsum cia siab tias koj cov ntaub ntawv yuav nce thiab nqis. Keeb kwm, nws zoo li nce mus ntau dua li nws nqis mus, tab sis xyoo tas los tau tshwm sim yog ib xyoos thaum nws poob qis, "hais tias tus kws npaj nyiaj txiag tau lees paub Taylor Jessee ntawm Impact Financial. (Xav nrhiav tus kws pab nyiaj txiag ib yam nkaus? Cov cuab yeej no tuaj yeem pab koj nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.)
Tab sis lwm qhov teeb meem loj ntawm no yog koj tus nqi rho tawm - thiab ntawm qhov uas koj tus kws pab tswv yim muaj lub ntsiab lus. "Ib $ 4,750 rho tawm txhua hli sib npaug li kwv yees li 10% rho tawm ntawm koj cov ntaub ntawv. Qhov feem ntau lees txais tus nqi rho tawm hauv cov nyiaj laus yog nyob ib puag ncig 4%, txhais tau tias koj tau thim ntau dua ob npaug uas feem ntau suav tias yog tus nqi nyab xeeb, "Jessee hais. Qhov tseeb, tus kws tshaj lij nyiaj txiag uas tau lees paub Jim Hemphill ntawm TGS Advisors hais tias qhov no yog "tsis muaj tseeb, tsis muaj kev ruaj ntseg siab, tshwj tsis yog tias koj ob leeg so zoo rau koj 80s. Peb paub tias tsis yog li ntawd txij li thaum koj tau so haujlwm ntxov. "
Xav txog nws li no: Nrog 10% rho tawm tus nqi, koj cov ntaub ntawv yuav tsum tau khwv tau tsawg kawg yog 10% rau koj kom tawg, txwv tsis pub koj poob rau hauv tus thawj tswj hwm. "Keeb kwm, kev lag luam khoom lag luam rov qab txog 9% hauv ib xyoos tab sis feem ntau cov khub niam txiv laus cov ntaub ntawv tsis yog 100% nqis peev hauv cov khoom lag luam, txhais tau hais tias nkawm niam txiv so haujlwm feem ntau yuav tsum tsis txhob cia siab tias yuav tau txais cov khoom lag luam nruab nrab. Cov ntaub ntawv sib txawv tuaj yeem khwv tau li ntawm 5% mus rau 6% ntawm qhov nruab nrab, yog li yog tias koj rho tawm 10% hauv ib xyoos los ntawm cov ntaub ntawv, koj tuaj yeem pom tias lej yuav pib ua haujlwm li cas rau koj sai sai, "Jessee hais.
Tseeb tiag, Hemphill hais tias koj yuav tsum nyob qis dua qhov koj xav tau vim qhov koj xav tau yog qhov tsis muaj tseeb. Hemphill hais tias "Tsis yog vim kev ua lag luam, vim tias cov khoom xa rov qab tsis muaj nyob uas yuav txhawb nqa 10% ntxiv rau kev faib tawm," Hemphill hais.
Rau nws, tus kws npaj nyiaj txiag muaj ntawv pov thawj Derieck Hodges ntawm Anchor Pointe Wealth hais tias kev ua neej nyob ntev dhau los ua kev txhawj xeeb nrog kev rho tawm koj tab tom noj. "Kev txo qis koj qhov nyiaj tshuav txhua xyoo yuav tsis muaj kev txhawj xeeb yog tias koj nyob hauv koj 70s lossis 80s, tab sis nws yuav cuam tshuam koj kev ruaj ntseg nyiaj txiag yav tom ntej yog tias koj tseem yau. Kev ntsuas koj cov kev siv nyiaj thiab kev xav tau tshem tawm yog qhov ntse, ”Hodges hais. Dab tsi ntxiv, yog tias koj tuaj yeem txo koj qhov kev faib tawm thaum lub sijhawm nyuaj kev lag luam kev lag luam, nws yuav muaj peev xwm txhawb koj txoj kev ruaj ntseg nyiaj txiag, raws li Hodges.
Mus rau pem hauv ntej, koj yuav xav ntsuas koj lub hnub nyoog, kev noj qab haus huv, zoo li lub neej ntev thiab kev xav tau kev siv nyiaj yav tom ntej. “Koj tuaj yeem tiv taus kev nqis peev ntau npaum li cas? Cov kev pheej hmoo siab rau kev nqis peev tsawg ua rau cov peev nyiaj qis dua. Koj puas tuaj yeem ua tiav koj cov hom phiaj nyiaj txiag nrog cov nyiaj me me no? Tsis txhob ntsuas qhov pheej hmoo thiab rov qab los ntawm tsuas yog xav txog keeb kwm tsis ntev los no, koj yuav tsum tau saib ntev dua, "hais tias Hodges.
Koj yuav tsum tau tshuaj xyuas koj qhov kev sib xyaw ntawm kev nqis peev thiab ntsuas cov keeb kwm rov qab los piv rau cov qauv tsim nyog. "Yog tias koj nyiam qhov sib xyaw ntawm 60% cov khoom lag luam thiab 40% daim ntawv cog lus, tsis txhob sib piv koj cov txiaj ntsig kev nqis peev rau S&P 500, uas yog 100% cov khoom lag luam. Hloov chaw, siv qhov ntsuas zoo li Morningstar US Lub Hom Phiaj Nruab Nrab los txheeb xyuas qhov ua tau zoo lossis ua haujlwm dhau, "hais tias Hodges.
Qhov tseem ceeb tshaj plaws, tsis txhob ntshai lossis txiav txim siab ua pob liab liab. Hodges hais tias "Kev txhob txwm tshaj tawm ntsuas koj cov kev xav tau, lub hom phiaj thiab kev xav tau thiab nco ntsoov tias 2022 tau mob siab rau txhua tus neeg ua lag luam, txawm tias cov muaj txiaj ntsig zoo, kev nqis peev sib txawv," Hodges hais.
Hemphill pom zoo kom tau txais cov lus qhia lub hom phiaj los ntawm tus kws pab tswv yim uas muaj ntawv pov thawj uas yuav qhia koj cov ntaub ntawv koj yuav tsis nyiam mloog. Hemphill hais tias "Ib leeg lossis ob leeg ntawm koj yuav tsum rov qab mus ua haujlwm," Hemphill hais.
Txhawm rau tshawb nrhiav cov kws pab tswv yim uas muaj ntawv pov thawj, mus ntsib National Association of Personal Financial Advisors (NAPFA) lossis XY Planning Network, qhov chaw koj tuaj yeem siv cov cuab yeej los nrhiav cov phiaj xwm nrog CFP xaiv thiab qee yam tshwj xeeb.
Puas muaj teeb meem nrog koj tus kws pab tswv yim nyiaj txiag lossis nrhiav tus tshiab? Email [email tiv thaiv].
Cov lus nug edited rau brevity thiab clarity.
Cov lus qhia, cov lus pom zoo lossis cov qeb uas tau hais hauv tsab xov xwm no yog cov ntawm MarketWatch Picks, thiab tsis tau raug tshuaj xyuas lossis pom zoo los ntawm peb cov koom tes ua lag luam.
Tau qhov twg los: https://www.marketwatch.com/picks/it-feels-like-way-too-much-to-lose-we-had-550k-invested-and-told-our-adviser-we-wanted- a-conservative-approach-since-then-weve-lost-88k-i-know-the-market-is-bad-but-should-we-fire-him-01673635039?siteid=yhoof2&yptr=yahoo