Cov neeg laus laus thiab cov neeg laus uas xav tias tus nqi siab dua tuaj yeem ua rau muaj kev tawm tsam ntev vim tias kev nce nqi qhia ob peb lub cim ntawm kev nce siab. Tab sis cov kws paub txog nyiaj txiag hais tias muaj qee cov tswv yim ntse uas tuaj yeem txo qhov mob, yog tias tsis tshem tawm tag nrho, vim tias Tsoom Fwv Teb Chaws Reserve nce nqi kom nce nyiaj nce ntxiv.
Ua ntej xav txog qhov muaj zog: Kev nce nqi nce mus rau 41-xyoo siab ntawm 8.6% nyob rau lub Tsib Hlis los ntawm tib lub hlis dhau los, tab sis cov neeg tau txais kev pab Xaus Saus tau txais tsuas yog 5.9% nce rau lawv cov txiaj ntsig rau xyoo 2022. Txawm hais tias Social Security tus nqi ntawm kev nyob. kev hloov kho kom nce xyoo tom ntej, nws yuav lig dhau los pab cov neeg uas tau mus nrhiav nyiaj khaws cia kom tiv nrog tus nqi siab dua. Kwv yees li 1 ntawm 5 Cov neeg tau txais kev pab Xaus Saus tau tshem tawm cov nyiaj laus lossis cov nyiaj khaws cia hauv 12 lub hlis dhau los, raws li kev tshawb fawb tsis ntev los no los ntawm Senior Citizens League.
Lub caij no, muaj ob peb qhov chaw nkaum hauv khw. Cov khoom lag luam thiab cov ntawv cog lus muaj ob qho tib si tshaj tawm kev poob qis, thiab cov 60/40 stock-and-bond portfolio uas tau ntev lawm ib qho kev faib tawm tswv yim tau nqis ib xyoos ib zaug, kev nce nqi-hloov kho 8.75% thaum kawg ntawm lub Tsib Hlis, raws li Morningstar. Dab tsi ntxiv, qhov no yog ua si tawm thaum cov tub ua lag luam ntshai tias lub tuam txhab nyiaj hauv nruab nrab tuaj yeem ua rau kev lag luam poob qis vim nws nce cov paj laum, suav nrog 0.75 feem pua ntawm cov ntsiab lus nce hnub Wednesday.
Nyob rau lub sijhawm tsis paub tseeb no, tom qab ntawd, cov kws tshaj lij nyiaj txiag hais tias nws yog ib qho tseem ceeb los tswj qhov koj tuaj yeem ua tau.
Deposit Yields
Qhov chaw zoo pib yog kom paub tseeb tias koj tso koj cov nyiaj ntsuab mus ua haujlwm. Cov nyiaj khaws cia hauv online nkaus xwb tau muab cov txiaj ntsig ntawm ib puag ncig 0.90%, thiab cov nqi no xav tias yuav nce ntxiv mus rau ib xyoos raws li Fed nruj txoj cai tswj hwm nyiaj txiag.
Hloov koj cov nyiaj khaws cia deb ntawm lub txhab nyiaj qub txeeg qub teg muab 0.01% tuaj yeem muab rau koj ntau dua rau koj cov nyiaj npib. Yog tias kev xaiv mus ntsib ib ceg yog qhov tseem ceeb rau koj, cov tsev txhab nyiaj hauv zej zog me thiab cov koom haum qiv nyiaj feem ntau muab cov nqi sib tw ntau dua li cov tsev txhab nyiaj loj, hais tias Greg McBride, tus kws tshuaj ntsuam nyiaj txiag ntawm Bankrate.com.
Cov txiaj ntsig credit
Daim npav rho nyiaj tau txais txiaj ntsig uas muab feem pua ntawm cov nyiaj tau siv tuaj yeem yooj yim rau kev siv nyiaj ntau dua rau cov khoom tsim nyog xws li zaub mov thiab roj. "Yog tias koj tsuas yog siv daim npav pob txha pob txha xwb, koj tab tom tso nyiaj rau ntawm lub rooj," Sara Rathner, tus kws tshaj lij credit card ntawm
NerdWallet
,
lub vev xaib uas tshuaj xyuas cov khoom lag luam nyiaj txiag thiab tau txais cov nyiaj them poob haujlwm thaum ib tus neeg kos npe rau lawv. Cov tuam txhab credit-card saib koj cov nyiaj tau los thaum koj thov, tab sis Social Security suav, xws li cov nyiaj faib thiab lwm qhov chaw ntawm cov nyiaj laus.
Ib qho ntawm NerdWallet's picks, Bank of America Customized Cash Rewards card, tso cai rau koj kom tau txais 3% nyiaj rov qab los ntawm koj qhov kev xaiv ntawm ib qho ntawm XNUMX pawg kev siv nyiaj: roj, khw hauv online, noj mov, mus ncig, txhim kho tsev / khoom vaj khoom tsev, lossis khw muag tshuaj.
Tswj Kev Kho Mob
Tsis zoo li, hais tias, Medicare Part B cov nqi them, uas tau kho, tej zaum koj yuav muaj qee yam kev tswj xyuas qhov koj them rau koj cov tshuaj. Thiab qhov ntawd yog qhov zoo uas tau muab cov nqi tshuaj kho mob tau nce 35% txij li xyoo 2014, thaum tus nqi ntawm tag nrho cov khoom thiab cov kev pabcuam tau nce 21%, raws li cov ntaub ntawv. qhia los ntawm GoodRx Research.
Ua ntej, yog tias koj txoj kev npaj tshuaj muaj ib lub tsev muag tshuaj, xyuas kom tseeb tias koj siv qhov ntawd, vim qhov ntawd yuav txuag tau koj cov nyiaj ntawm koj cov nqi tawm hauv hnab tshos.
Tsis tas li ntawd, nug koj tus kws muag tshuaj txog qhov pheej yig tshaj plaws los sau koj cov tshuaj, hais Rathner ntawm NerdWallet. Qee zaum, koj yuav txuag tau nyiaj los ntawm kev hla koj cov ntawv pov hwm thiab them nyiaj ntsuab xwb.
GoodRx
muaj daim coupon luv nqi (tsis suav nrog kev tuav pov hwm) uas tej zaum yuav txo tus nqi qis dua qhov raug Medicare Part D them nyiaj rau tej yam tshuaj.
Costco
muaj qhov kev pab txo nqi tshuaj rau nws cov tswv cuab. Qee lub tsev muag tshuaj, suav nrog Walmart's, muab qee yam tshuaj noj rau tsawg li $4 ib hlis, yog li nug seb koj lub tsev muag tshuaj puas zoo ib yam.
Txiav rov qab
Txhawm rau tiv thaiv tus nqi nce, cov neeg so haujlwm so haujlwm ntawm tus kws pab tswv yim Jaime Quiros tau siv txoj hlua khi es tsis txhob thim ntau ntxiv ntawm lawv cov nyiaj laus. Qee tus tau hla kev rho tawm thiab ua neej nyob ntawm cov txhab nyiaj hauv txhab nyiaj uas muaj dej ntws ntau dua tom qab muaj kev nyuaj siab siv nyiaj ntau.
"Lawv txhawj xeeb," said Quiros, tus thawj coj loj ntawm FBB Capital Partners hauv Bethesda, Md. Nws cov nyiaj laus cov nyiaj laus yog 50/50 cov khoom lag luam thiab cov ntawv cog lus, lossis 60/40 cov khoom lag luam thiab cov ntawv cog lus, thiab ob qho khoom vaj khoom tsev tau poob rau xyoo no. , nrog cov
S&P
500 down txog 21%, lub
iShares 5-10 Xyoo Investment Qib Corporate Bond
ETF (ticker: IGIB) nqis ib ncig ntawm 14%, thiab cov
iShares US Treasury Bond
ETF (GOVT) poob ib ncig ntawm 11%.
Txawm hais tias qhov kev poob qis hauv lub rooj sib tham yog qhov txawv txav hauv ntau qhov kev lag luam, cov tub ua lag luam yuav tsum tawm tsam qhov kev xav kom tawm mus. Txawm tias nyob rau hauv kev lag luam poob qis, qee qhov kev nqis peev yuav ua tsis tau zoo dua li lwm tus, hais tias Marta Norton, tus thawj coj kev nqis peev rau Asmeskas ntawm Morningstar Investment Management. "Kuv tsis xav tias nws tsim nyog muab tus menyuam mos tawm nrog dej da dej," nws hais.
Kev nqis peev zoo
Kev puas tsuaj mitigation yog qhov tseem ceeb li dais lag luam yog ib ntus, thiab koj cov ntaub ntawv khaws cia yuav xav tau cov khoom lag luam loj hlob kom nrawm nrog kev nce nqi mus ntev. Ntawm cov nyiaj tau los tas li, ib qho kev txiav txim siab yuav yog Treasury Inflation-Protected Securities, lossis TIPS, uas yog tsoomfwv daim ntawv cog lus uas nws tus thawj tswj hwm nce nrog kev nce nqi raws li ntsuas los ntawm cov neeg siv khoom-tus nqi ntsuas. Cov keeb kwm nruab nrab ntawm 10-xyoo TIPS txij li xyoo 1997 yog 1.44% piv rau 0.72% hnub no.
Norton tau hais tias nws tsis xav txog cov txiaj ntsig ntawm TIPS txaus nyiam txheeb ze rau qib keeb kwm, tab sis vim tias cov ntawv cog lus no tuaj yeem tau txais txiaj ntsig yog tias kev nce nyiaj nce siab tshaj qhov xav tau, nws pom muaj txiaj ntsig los tuav kev faib me me hauv ib puag ncig tsis paub meej hnub no. Quiros 'cov neeg siv khoom tuav ntawm 2% mus rau 8% ntawm lawv daim ntawv cog lus hauv TIPS.
Ua raws li kev xav
Thaum cov neeg siv khoom txhawj xeeb seb lawv cov nyiaj yuav kav ntev npaum li cas, nws tuaj yeem pab qhia lawv li cas lawv cov ntaub ntawv yuav ua tau raws li ntau yam kev lag luam, Quiros tau hais.
Cov kws pab tswv yim muaj software npaj nyiaj txiag uas tuaj yeem khiav ntau txhiab tus xwm txheej thiab qhia lawv cov neeg siv khoom yuav muaj peev xwm khiav tawm ntawm cov nyiaj hauv txhua qhov. Paub tias lawv muaj qhov zoo ntawm huab cua txawm tias qhov xwm txheej phem tshaj plaws tuaj yeem ua rau cov tub lag luam muaj kev thaj yeeb nyab xeeb, nws hais.
Sau rau elizabeth.obrien@barrons.com ua
Tau qhov twg los: https://www.barrons.com/articles/retirement-inflation-reward-cards-tips-51655320466?siteid=yhoof2&yptr=yahoo