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Lus Nug: Kuv tau hnov ib txhiab zaus: "Cov neeg tau nyiaj ntau dua nrog tus kws pab tswv yim nyiaj txiag, tsis txhob xauv koj qhov kev poob, nyob twj ywm," thiab lwm yam. Yog li kuv tau pib nrog tus kws pab tswv yim nyiaj txiag ntawm lub tuam txhab hauv lub tebchaws thaum Lub Peb Hlis. Nws pom zoo 50/50 qhov nyiaj tshuav nrog cov nyiaj qiv nyiaj luv luv thiab cov nyiaj sib koom.
Nws tau muaj ze li ntawm kev poob qis ntawm kuv cov nyiaj khaws tseg, nrog rau 13% poob hauv kuv cov ntaub ntawv khaws tseg, thiab tseem tsis tau muaj ib qho kev hloov kho. Thiab lub tuam txhab tau txais ib xyoos ib zaug 1% tus nqi ntawm kuv cov ntaub ntawv khaws tseg, them nqi txhua hli. Lawv txawm hais tias lawv tsis tuaj yeem xam RMD ntawm ib qho IRA qub vim yog kev lav phib xaub. Yog li puas muaj txiaj ntsig rau tus kws pab tswv yim nyiaj txiag thaum lawv tau txais nyiaj txawm tias kuv tus kheej poob thiab lawv tsis txo qis ntxiv? Pab! (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab thiab? Cov cuab yeej no tuaj yeem pab koj nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.)
teb: Peb muaj tej xov xwm zoo (ish) thiab tej xov xwm phem. Cia peb pib nrog qhov zoo (ish) xov xwm. Yog tias koj muaj cov ntaub ntawv khaws tseg uas yog 50% cov khoom lag luam thiab 50% daim ntawv cog lus, thiab koj tsuas yog qis dua 13%, uas txhais tau hais tias koj tau ua tiav zoo, piav qhia Joe Favorito, tus kws tshaj lij nyiaj txiag ntawm Landmark Wealth Management. "Qhov nruab nrab 50/50 cov ntaub ntawv tau nqis los ze rau 17% rau lub xyoo raws li thawj lub lim tiam ntawm Kaum Ib Hlis. Thaum peb yeej tsis xav poob nyiaj, koj tau poob tsawg dua li feem ntau, "hais tias Favorito.
Thiab qhov tseeb tias tus kws pab tswv yim tsis tau hloov kho tej zaum yuav tsis yog qhov phem, cov kws tshaj lij hais. "Cov kws pab tswv yim nyiaj txiag feem ntau tau them tus nqi 1% los ua qee yam uas tib neeg feem ntau tsis muaj peev xwm: tuav mus rau kev nqis peev ntev. Txij li thaum muag thaum lub lag luam poob qis feem ntau kaw hauv koj qhov kev poob, cov kws pab tswv yim tuaj yeem tuav cov khoom muaj nqis txawm tias nws zoo li tsis zoo," Alana Benson, tus kws tshaj lij nyiaj txiag ntawm NerdWallet hais. Hauv qhov xwm txheej no, tus kws pab tswv yim tseem yuav tuav tau vim nws ntseeg tias txhua yam yuav nce mus ntev. Raws li tus kws tshaj lij kev nqis peev zoo tshaj plaws Warren Buffett ib zaug tau hais tias, "Peb lub sijhawm nyiam cov khoom lag luam yog nyob mus ib txhis."
Nrhiav ib tus kws pab tswv yim nyiaj txiag tshiab thiab? Cov cuab yeej no tuaj yeem pab koj nrog tus kws pab tswv yim uas yuav ua tau raws li koj xav tau.
Txhua yam uas tau hais, nws zoo li koj tus kws pab tswv yim yuav tsis tsim nyog rau 1% koj them nws, qee tus hais. Tseeb tiag, yog tias koj tus kws pab tswv yim tau them 1% txhawm rau xaiv cov nyiaj nruj me ntsis, tsis muaj lus qhia txog nyiaj txiag lossis se, tsis muaj phiaj xwm nyiaj txiag, tsis muaj kev sib txuas lus tsis tu ncua thiab lawv tsis tuaj yeem xam RMD, koj tau them nyiaj ntau dhau, hais tias tus kws npaj nyiaj txiag tau lees paub Eric Presogna ntawm OneUp Nyiaj Txiag. "
Puas muaj teeb meem nrog koj tus kws pab tswv yim nyiaj txiag lossis nrhiav tus tshiab? Email [email tiv thaiv].
Dab tsi ntxiv, txawm tias nws yuav yog qhov zoo tshaj plaws los ua tsis muaj dab tsi tam sim no, "yog tias kev tswj hwm qhov xwm txheej yog qhov zoo tshaj plaws, nws yuav tsum tau sib tham ntxov thiab feem ntau rau tus neeg siv," hais Presogna. Tseeb, nws suab zoo li kev sib txuas lus nrog koj tus kws pab tswv yim yog subpar, uas yog qhov teeb meem. Koj tsis tsuas yog tsis paub vim li cas lawv tsis ua lag luam, koj kuj tsis paub dab tsi tshwm sim nrog lawv RMD tsis kam. Favorito hais tias "Ib txwm ib txwm, tus kws pab tswv yim nyiaj txiag tsis muaj teeb meem ua qhov kev suav RMD, yog li koj yuav tsum tham txog qhov no nrog lawv kom paub tseeb tias koj tsis txhais dab tsi yuam kev," Favorito hais.
Yog li ntawd txhais tau tias ib kauj ruam rau koj yuav yog hu rau koj tus kws pab tswv yim thiab tau txais kev pom tseeb ntawm txhua qhov no. Nco ntsoov: "Ob yam uas koj tus kws pab tswv yim yuav tsum tau ua yog kev sib txuas lus thaum lub sij hawm kev lag luam tsis hloov pauv thiab rov lees paub lawv cov lus thiab nrhiav nyiaj los yog yeej me me txawm hais tias kev hloov pauv feem ntau tsis yog qhov ua tau zoo," hais tias tus kws npaj nyiaj txiag muaj ntawv pov thawj Tracy Burke ntawm Conrad Siegel.
Tej zaum koj yuav xav nug tus kws pab tswv yim txog tej yam xws li "kev poob peev sau nyiaj yog tias tus as-qhauj tsis tau them se tau poob, rov ntsuas cov ntaub ntawv thiab maj mam ua kom muaj kev ncaj ncees hauv kev lag luam qis kom koj tab tom yuav ntau qhov sib npaug thaum lawv muag," hais. Burke. Thiab tus kws npaj nyiaj txiag tau lees paub Ryan Townsley ntawm Lub Nroog Peev hais tias nws kuj tseem yuav tsim nyog nug txog "kev ua lag luam poob Roth hloov dua siab tshiab", uas "tuaj yeem ntxiv tus nqi ntau dua li qhov nyiaj rov qab rau lub sijhawm no," Townsley hais.
Qhov ntawd tau hais tias, Townsley sau tseg tias: "Koj tsuas yog nrog tus kws pab tswv yim txij li lub Peb Hlis thiab cov kws pab tswv yim yuav tsum tau txiav txim siab tiag tiag ntawm kev ua lag luam tag nrho. Kuv xav tias tseem tsis tau muaj sijhawm txaus los ntsuas, "hais Townsley. Uas tau hais tias, nws tau muaj sijhawm txaus los tham nrog zaum rov qab thiab saib yuav tsis yog lus teb.
Dab tsi ntxiv, koj yuav tsis xav tau tus kws pab tswv yim txhua. Los yog koj tuaj yeem xaiv ua tus kws pab tswv yim robo. Nrog kev nce qib hauv thev naus laus zis thiab kev nce ntawm robo-cov kws pab tswv yim, kev tswj hwm kev nqis peev tau dhau los ua cov khoom lag luam, hais tias tus kws npaj nyiaj txiag tau lees paub Eric Presogna ntawm OneUp Financial. "Raws li qhov loj ntawm tus as-qhauj, tus neeg ua lag luam tuaj yeem tau txais tus nqi qis, thoob ntiaj teb cov ntaub ntawv sib txawv los ntawm tus kws pab tswv yim zoo li Betterment lossis Wealthfront raws li lawv qhov kev pheej hmoo siab, suav nrog kev sib npaug tsis tu ncua thiab kev sau se poob rau .25% rau . 30%, "hais tias Presogna.
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-has-been-a-nearly-continuous-plunge-my-accounts-are-down-13-this-year-but-my-financial-adviser- hasnt-made-a-single-adjustment-and-is-still-taking-his-1-do-i-even-need-him-anymore-01669923868?siteid=yhoof2&yptr=yahoo