Ntshai mus kuaj koj 401 (k) li Dow tumbles? Nov yog thaum koj yuav tsum saib - thiab thaum twg koj yuav tsum tsis txhob

Lub S&P 500
SPX,
-3.25%
nkag mus rau kev lag luam dais kev lag luam hnub Monday. Qhov 20% swb los ntawm lub Ib Hlis thaum ntxov blotted tawm kwv yees li $ 9.3 trillion hauv kev lag luam tus nqi ntawm cov tuam txhab uas muag suav nrog cov qauv ntsuas. Cov naj npawb no tuaj yeem nyuaj rau ntawm lub qhov muag, tsis hais lub plab.

Hnub Tuesday, S&P 500 ntog tob mus rau hauv dais thaj chaw thiab White House tus tuav ntaub ntawv xov xwm Karine Jean-Pierre lees paub cov neeg Asmeskas ua rattled los ntawm kev lag luam flailing.

Hnub Wednesday, Tebchaws Asmeskas Tsoom Fwv Teb Chaws Reserve tau tshaj tawm 75-piv tus nqi nce rau tus nqi paj tseem ceeb. Kev lag luam pib nyiam cov xov xwm hais txog kev nce nqi loj tshaj plaws txij li xyoo 1994 thiab ua tiav rau hnub Wednesday. Txog hnub Thursday, lub siab hloov pauv. Cov txiaj ntsig tau tso tseg tag nrho hnub Wednesday qhov txiaj ntsig thiab poob qis dua rau kev txhawj xeeb ntawm qhov muaj peev xwm thim rov qab.

Dow Jones Muaj Nruab Nrab
DJIA,
-2.42%
poob 793 ntsiab lus, lossis 2.6%, rau ua 29,875. S&P 500 poob 134 cov ntsiab lus, lossis 3.6%, kom kaw ntawm 3,666. Meanwhile lub Nasdaq Composite
COMP,
-4.08%
poob los ntawm 495 cov ntsiab lus, lossis 4.5%, rau 10,603.

Cov no yog tag nrho cov xwm txheej raug cai ua raws. Kev paub yog lub zog, tom qab tag nrho. Tab sis dab tsi txog kev paub txog koj cov ntaub ntawv khaws tseg li cas?

Nyob rau hauv ib tug pullback, muaj yuav tsum tau nqis peev bargains thiab portfolio rebalancing lub sij hawm. Ua cov kauj ruam no pib nrog kev tshuaj xyuas ntawm cov ntaub ntawv khaws cia kom pom cov neeg yeej thiab cov neeg poob.

Yog li ntawd, muaj kev sib cav los saib thiab tsis saib, cov kws txawj ua lag luam hais rau MarketWatch.

Tshwj xeeb, nws nyob ntawm hom neeg koj yog, hom nyiaj koj muaj thiab lub sijhawm ua ntej koj xav tau nyiaj, cov kws pab tswv yim sau tseg. Koj puas tuaj yeem ua lub plab loj viav vias hauv tus nqi ntawm koj cov ntaub ntawv? Koj nyob ze npaum li cas rau cov nyiaj laus?

"Thaum kev lag luam tsis hloov pauv, feem ntau nyuaj rau cov tub ua lag luam los saib deb, tab sis nyob hauv chav kawm thaum koj muaj ib txoj kev npaj nyob rau hauv qhov chaw feem ntau yog qhov kev txiav txim siab zoo," said Leanna Devinney, tus lwm thawj, ceg thawj coj ntawm Fidelity Investments.

"Yog tias koj pom koj tus kheej txheeb xyuas cov nyiaj tshuav ntau zaus, xyuas kom koj tseem nco ntsoov tias koj lub hom phiaj mus ntev yog dab tsi thiab qhov tseeb tias kev sim txav mus rau hauv thiab tawm ntawm kev ua lag luam tuaj yeem raug nqi," nws hais ntxiv.

“Nws yuav zoo yog tias cov lus teb yooj yim thiab universal. Zoo li feem ntau hauv lub neej, cov lus teb yog me ntsis ntxiv nuanced, ”Eric Cooper, tus npaj nyiaj txiag ntawm Commonwealth Financial Group. "Kev coj tus cwj pwm tib neeg yog qhov muaj txiaj ntsig zoo tshaj plaws ntawm kev tswj nyiaj txiag thiab cov txiaj ntsig nyiaj txiag ntawm tus kheej."

"Thaum peb nkag siab qhov ntawd, cov lus teb rau lo lus nug no dhau los ua ib qho tseem ceeb tswj hwm los ntawm lub hom phiaj los txo qhov tsis zoo ntawm kev tsis ncaj ncees (lossis myopic) tib neeg txoj kev xav thiab tsuas yog ib qho thib ob ntawm kev siv tswv yim," said Bedford, NH-based adviser.

Muab qhov yooj yim, yog tias koj yog hom kev ntshai, tsis txhob saib.

Kom meej meej, tsis muaj leej twg tawm tswv yim teev nyiaj tshuav nyiaj li cas check-ins. Thiab tsis muaj leej twg hu ua kom tsis quav ntsej tag nrho rau qhov ntev, tsis paub meej stretches. Qee qhov kev tshawb fawb qhia tias thaum xov xwm nyiaj txiag tsis zoo los rau ib tus account, tib neeg tsis txhob saib cov ntaub ntawv tsis zoo hauv qhov hu ua "ostrich" effect.

Tseem muaj qhov sib txawv nruab nrab ntawm qhov siab tshaj thaum yuav los peeking ntawm kev nqis peev kev ua tau zoo. Hauv qab no yog ib phau ntawv qhia seb koj haum qhov twg.

Thaum twg tsis tuaj yeem tshawb xyuas koj li 401 (k) qhov nyiaj tshuav lossis tus account brokerage

"Yog tias koj nyob 10-ntxiv xyoo deb ntawm kev so haujlwm, muaj tsis muaj yuav tsum tau kuaj xyuas koj li 401 (k) qhov nyiaj tsis tu ncua, "said Danika Waddell, tus tsim thiab tus thawj tswj hwm ntawm Xena Financial Planning uas tsuas yog xyuas nws cov nyiaj laus ib zaug ib hlis twg.

Tom qab tag nrho, cov neeg Amelikas feem ntau yuav tsum muaj hnub nyoog 59 ½ xyoo kom thim tawm ntawm lawv cov phiaj xwm 401 (k) thiab ib txwm IRAs yam tsis muaj kev nplua hnyav, yog li lawv yuav tsum tau caij tawm ntawm hav thiab lub ncov, thiab tiv thaiv cov nyiaj ntawd hauv khw muag khoom. .

Yog hais tias ib tug neeg muaj ib tug account lawv tsis tas yuav kais tsawg kawg yog xya xyoo, nws "yuav tsum tau saib xyuas ib ntus, tab sis tsis tu ncua saib," Cooper hais. Qhov ntawd txhais tau tias kev tshuaj xyuas peb lub hlis twg, ib nrab xyoo lossis ib xyoos yuav tsum txaus. Nws dhau los ua kev suav sib txawv thaum lub sijhawm lub qab ntug luv dua, Cooper lees paub.

Tseem muaj lub siab xav thiab. "Kev puas siab puas ntsws, feem ntau cov neeg tsuas yog tsis vam meej thaum lawv lub qhov ntswg nkag mus rau hauv lub rollercoaster ntawm lawv cov nyiaj tshuav nyiaj li cas hauv kev lag luam tsis hloov pauv - tsis hais lawv lub sijhawm ntawm lub qab ntug," Cooper tau hais.

Xav txog dab tsi yuav ua rau muaj kev ntxhov siab ntau dua: Kev kuaj xyuas ntau zaus lossis kuaj xyuas tsawg dua, Waddell tau hais. Yog tias kuaj ntau tshaj ib hlis ib zaug ua rau muaj kev ntxhov siab, tsis txhob ua. Tab sis yog tias kev kuaj xyuas peb lub hlis twg xav tias nyob deb dhau, mus nrog cov tshev txhua hli lossis txhua lub limtiam uas xav tias muaj kev ntxhov siab tsawg dua.

Tab sis tsis muaj qhov taw tes hauv kev txheeb xyuas txhua hnub, uas Waddell piv rau kev mus ncig txhua hnub rau qhov ntsuas. “Kuv yuav tsis xav hnyav kuv tus kheej txhua hnub. Sij hawm dhau mus, paub meej, tab sis kev hloov pauv txhua hnub yog qhov tsis muaj qab hau. "

Thaum twg los saib koj 401 (k) lossis peev nyiaj

Lub sij hawm horizons thiab temperament yog ob yam uas yuav tsum nco ntsoov nyob rau hauv cov lus nug ntawm tsis tu ncua peeping.

Yog li ntawd yog hom nyiaj - thiab yog tias nws yog tus account brokerage, qhov ntawd yog qhov laj thawj tseem ceeb los saib ntau zaus, raws li Todd Minear, tus thawj coj ntawm Open Road Wealth Management, hauv Liberty, Mo. Ib qho laj thawj yog qhov chaw ua lag luam laggards. thiab pov tseg lawv rau lub hom phiaj ua se, nws piav qhia.

Kev muag cov khoom muaj nqis, zoo li cov khoom lag luam, ntawm qhov poob tuaj yeem ua rau cov tswv lag luam poob lawv tuaj yeem thov tawm tsam cov peev nyiaj se. Yog tias qhov nyiaj poob ntau tshaj qhov tau txais, Internal Revenue Service yuav cia tus neeg them se txiav tawm qhov poob txog li $3,000 tawm tsam lawv cov nyiaj tau los.
Batching poob thiab kev muag khoom lag luam yog sau se poob, thiab nws yog ib lub tswv yim qee cov tub ua lag luam yuav xav xav txog lawv tus account brokerage Minear tau hais.

Rebalancing IRA lossis 401 (k) account los ntawm kev ntxiv thiab tshem tawm qee qhov kev nqis peev tsis ua rau muaj kev tshwm sim se rau lub caij se nram qab no. Tab sis yog tias koj xav hloov los ntawm ib txwm IRA mus rau Roth IRA muab lub khw rub rov qab, Qhov ntawd yog lwm qhov laj thawj kom kaw cov tabs ze dua ntawm lawv tus lej ua haujlwm li cas, Minear tau hais.

Hauv Roth IRA, kev koom tes tsis raug txiav tawm, tab sis kev faib tawm tuaj tawm se dawb. Yog tias koj cia siab tias yuav nyob rau hauv ib qho nyiaj se ntau dua thaum tapping cov nyiaj rau kev faib khoom, nws tuaj yeem ua tau zoo kom tau txais cov se them se tawm sai dua. Hloov los ntawm ib txwm IRA mus rau Roth IRA yuav tsum muaj cov nyiaj ntsuab ntawm tes los them cov nqi se txuas nrog rau qhov hloov.

Ib tus as-qhauj uas muaj nuj nqis raug ntaus los ntawm kev lag luam rog yuav ua rau tus nqi se me me rau kev hloov pauv, Minear piav qhia. Tau kawg, koj yuav tsum tau kuaj xyuas koj tus as-qhauj nyiaj tshuav ua ntej kom pib xav txog qhov kev txav mus los.

Qhov ntawd tau rov qab mus rau cov ntsiab lus ntawm cov nyiaj laus thiab cov neeg nyob ze yuav tsum tau saib yog tias hnub so nyiaj laus tuaj txog.

Cov neeg uas yuav xav tau pib siv nyiaj hauv peb mus rau rau xyoo tom ntej, lub sijhawm nruab nrab ntawm lub sijhawm, tej zaum yuav tau them "me ntsis ntxiv vim tias kev sib tw loj niaj hnub no yuav lossis tsis tuaj yeem rov qab los ntawm lub sijhawm uas koj xav tau. nyiaj kom muaj qee qhov kev thov tshem tawm, "Cooper sau. Xav txog kev tshuaj xyuas peb lub hlis twg lossis txhua hli ntawm no.

Rau cov neeg uas xav tau nyiaj hauv cov nyiaj hauv ob xyoos lossis tsawg dua - tej zaum cov nyiaj ntsuab rau kev them nqi hauv tsev lossis kev faib khoom kom pib so haujlwm - Cooper tau hais tias koj yuav tsum nyob twj ywm "sib koom nrog cov ntaub ntawv pov thawj."

Qhov ntawd yog qhov kev kuaj xyuas txhua hli, lossis ob lub lis piam los ntawm cov tub ua lag luam lossis lawv tus kws pab tswv yim tsim nyog, Cooper ntxiv.

Thaum kawg, nws yog qhov sib npaug ntawm qhov tseem ceeb, tus cwj pwm (koj) thiab hom ntaub ntawv koj muaj.

"Qhov kuv hnov ​​​​los ntawm cov neeg tsis tuaj yeem yog 'Yog, Kuv tsuas yog tsis qhib kuv cov lus.' ” Tab sis, nws hais ntxiv tias, "Tus neeg uas tsis paub tias muaj dab tsi tshwm sim tuaj yeem muaj kev ntxhov siab ntau."

Txawm li cas los xij, muaj kev txwv ntawm tus account peeks, Minear ntxiv: "Tsis txhob rub nws ntawm koj lub app tsib zaug hauv ib hnub."

Related:

Ib lo lus nug nug koj tus kheej txog koj 401 (k) thaum cov khoom lag luam poob qis

Yuav tswj hwm koj li cas - thiab kev xav - thaum nws zoo li lub ntiaj teb poob sib nrug

Tsis txhob ntshai txog koj 401(k)

Zaj dab neeg no tau hloov kho rau lub Rau Hli 16.