Yog tias koj txiav txim siab hloov cov kws pab tswv yim, ua kom meej txog koj qhov kev cia siab thiab tau txais kev nkag siab zoo ntawm tus kws pab tswv yim tshiab lub tswv yim peev.
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Lus Nug: Kuv so haujlwm thaum Lub Kaum Hli 2016 thiab kuv tus poj niam so haujlwm thaum Lub Ib Hlis 2018. Peb muaj lub qe zoo nkauj zoo nkauj ntxiv rau lub sijhawm ntawd, yog li ntawd peb thiaj li muaj peb tus txiv neej nyiaj txiag coj peb cov nyiaj los pab lawv loj hlob. Thaum Lub Ib Hlis Ntuj xyoo 2022, peb muaj ntau tshaj $500,000 tau txais kev cawmdim thiab peb tsis tau rho tawm ib qho ntawm cov nyiaj no kiag li. Ceev ceev mus txog thaum Lub Kaum Hli 2022, peb saib lub khw lag luam ua nws cov khoom siv rau cov menyuam coaster thiab xyuas peb cov nyiaj tag nrho txhua lub hlis thiab kos rau hauv daim ntawv teev npe. Peb pom tias peb 401 (k) tau poob hauv ib cheeb tsam ntawm $ 100,000 txij thaum kawg ntawm 2021.
Kuv tau hu rau lub tuam txhab peev peb siv thiab lawv teeb tsa lub rooj sib tham hauv xov tooj nrog ob peb tus kws pab tswv yim peev. Txhua yam kuv xav paub yog vim li cas peb cov nyiaj laus tau poob ze li 25% vim tias kuv tau nkag siab tias txij li thaum lawv tau tswj hwm peb cov peev txheej, nws yuav raug saib xyuas thiab kev nqis peev yuav hloov pauv kom tsis txhob tshwm sim. Thaum kawg ntawm lub rooj sib tham no, ib tus kws tshaj lij tau hais tias peb tuaj yeem poob ntxiv $ 100,000 hauv 2023. Txij li thaum kawg ntawm 2022, peb cov nyiaj laus tau nce txog $ 9,000. Peb puas yuav tsum nqos peb cov kev poob thiab mus rau lwm lub tuam txhab peev lossis lo nrog peb tam sim no? (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab? Cov cuab yeej no tuaj yeem phim koj rau tus kws pab tswv yim uas ua tau raws li koj xav tau.)
teb: Peb thov txim uas tau hnov tias koj tus account tau ntsib qhov kev poob no. Cia peb saib seb koj tus kws pab tswv yim yuav daws qhov teeb meem li cas, seb qhov kev poob ntawd puas yog qhov sib npaug rau cov kev kawm hauv kev lag luam nyuaj, thiab seb koj puas yuav tsum tso koj tus kws pab nyiaj txiag. (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab? Cov cuab yeej no tuaj yeem phim koj rau tus kws pab tswv yim uas ua tau raws li koj xav tau.)
Los ntawm qhov koj tau piav qhia, nws zoo li koj tus kws pab tswv yim yuav ua rau koj qhov xwm txheej tsis zoo (hais txog $ 100,000 poob zoo li tsis zoo) thiab tej zaum yuav tsis muaj kev sib txuas lus tseem ceeb. Tseeb tiag, tus kws npaj nyiaj txiag muaj ntawv pov thawj Matt Bacon ntawm Carmichael Hill & Associates, hais tias tus kws pab tswv yim yuav yog "flippant thiab tactless lossis blasé" uas "tsis zoo," txawm hais tias nws hais ntxiv tias "kev pom siab thiab lub suab tseem ceeb, tab sis ua ncaj ncees."
Puas muaj teeb meem nrog koj tus kws pab tswv yim nyiaj txiag lossis nrhiav ntiav ib tus tshiab? Email [email tiv thaiv].
Rau nws feem, tus kws npaj nyiaj txiag muaj ntawv pov thawj Robert Persichitte ntawm Delagify Financial hais tias, "Kuv tej zaum yuav tsis siv lo lus 'poob' hauv kev sib ntsib cov neeg siv khoom, hloov, kuv xav hais tias tus nqi ntawm tus as khauj yuav poob $ 100,000 hauv lub sijhawm luv. ” Tab sis nws hais ntxiv tias nws yuav "tsis yig los tso tus nqi qis dua nrog txoj haujlwm hnyav" raws li SEC cov cai xav kom koj nthuav tawm cov kev pheej hmoo rau cov neeg siv khoom thiab "nws ua rau kev sib raug zoo ntawm cov neeg siv khoom."
Hauv ntej, koj tus kws pab tswv yim muaj qee qhov teeb meem kev sib txuas lus thiab qhov ntawd yog qhov teeb meem loj heev. Qhov ntawd tau hais tias, tus kws npaj nyiaj txiag tau lees paub Cristina Guglielmetti ntawm Yav Tom Ntej Perfect hais tias 25% kev poob qis yog kwv yees raws li kev lag luam tau ua xyoo tas los - uas yog, yog tias koj pom zoo nrog koj tus kws pab tswv yim txog seb cov nyiaj yuav tsum tau ua li cas. Vim tias koj so haujlwm lawm, qee tus kws tshaj lij tau sib cav tias koj tus kws pab tswv yim yuav tsum tau ua kom muaj kev saib xyuas ntau dua, lossis qhov tsawg kawg tau qhia rau koj tias koj tau nqis peev ncaj ncees aggressively.
Tus yuam sij rau kev vam meej yog txhua tus neeg, suav nrog cov kws pab tswv yim peev thiab lawv cov neeg siv khoom nyob rau tib nplooj ntawv txog kev pheej hmoo thiab cov hom phiaj. "Hauv qhov no, cov lus qhia yuav zoo lossis tsis zoo, tab sis nws tau hais tsis zoo. Yog tias koj xaiv lub tswv yim kev nqis peev hnyav, cov txiaj ntsig no zoo li tsim nyog, "Persichitte hais.
Koj kuj tau sau tseg tias koj xav tias txij li thaum lawv tswj hwm koj cov peev txheej, lawv yuav ua kom poob tsis tshwm sim. Nug koj tus kheej: “Puas yog qhov kev xav uas koj tau ua lossis koj tus kws pab tswv yim qhia tias qhov no yuav ua tau? Qhov tseem ceeb tshaj, qhov kev sib tham tau tshwm sim ntawm koj thiab koj tus kws pab tswv yim txog kev faib cov cuab yeej cuab tam thiab koj qhov kev pheej hmoo? Koj puas tau qhia tias koj xav tau txoj hauv kev txuag thiab nkag siab tias koj yuav zoo li yuav tau txais txiaj ntsig mus ntev hauv kev sib pauv rau qhov kev ruaj ntseg, "hais tias Guglielmetti. (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab? Cov cuab yeej no tuaj yeem phim koj rau tus kws pab tswv yim uas ua tau raws li koj xav tau.)
Nyob rau hauv luv luv, ib qho loj tshaj plaws los daws qhov teeb meem yog tias nws tsis zoo li koj tus kws pab tswv yim sib txuas lus zoo nrog koj txog qhov tseeb tias koj cov ntaub ntawv tuaj yeem txhawb nqa qhov poob ntawm qhov loj me no. Tseeb tiag, thaum tswj kev nqis peev, cov kws pab tswv yim muaj (tsawg kawg) ob txoj haujlwm. Ua ntej, lawv yuav tsum tau paub txog kev xaiv txog kev nqis peev zoo. Qhov thib ob, lawv yuav tsum tau qhia lawv cov neeg siv khoom txog cov txiaj ntsig tau zoo, suav nrog kev pheej hmoo thiab txiaj ntsig, hais tias Persichitte.
Tej zaum nws yuav yog qhov kev faib tawm hnyav dhau - yog li koj qhov kev poob loj - thiab nws yuav tsim nyog sab laj ob peb lwm tus neeg npaj los ntsuas nrog lawv cov kev xav ua ntej hloov cov kws pab tswv yim, hais tias Bacon. Hmoov zoo, koj tuaj yeem ua qhov no nrog kev sib tham dawb vim ntau tus kws pab tswv yim muab kev hu dawb lossis kev sib tham. "Kev ua lag luam tau dhau lub xyoo txaus ntshai thiab kev ua haujlwm tsis zoo ib leeg feem ntau tsis tsim nyog hloov cov kws pab tswv yim, tab sis cov nyiaj tsis tsim nyog lossis cov tswv yim tsis txaus ntseeg tau muab rau cov neeg siv khoom lub hom phiaj tuaj yeem yog," Bacon hais.
Yog tias koj tus kws pab tswv yim tsis tuaj yeem piav qhia txog cov txiaj ntsig thiab kev pheej hmoo ntawm lub tswv yim, Persichitte hais tias nws yog lub sijhawm ua haujlwm nrog lwm tus. "Tus kws pab tswv yim tshiab yuav pom zoo tib lub tswv yim peev, tab sis yog tias lawv tuaj yeem piav qhia txog qhov txaus ntshai thiab tau txais kev pom zoo ntawm tus neeg siv khoom, tus neeg siv khoom yuav nyob hauv txoj haujlwm zoo dua," Perischitte hais.
Lub sijhawm no, tus kws tshaj lij nyiaj txiag uas tau lees paub James Daniel ntawm Lub Chaw Pabcuam Tswvcuab hauv Alpharetta, Georgia, hais tias nws cov lus pom zoo yog kom muaj kev sib tham nrog koj cov kws pab tswv yim tam sim no kom nkag siab zoo txog lawv txoj hauv kev. "Puas yog lawv txiav txim siab nqis peev lossis yog koj cov ntaub ntawv pov thawj ntawm tus qauv ruaj khov? Lawv puas tseem muaj kev tiv thaiv nyob rau hauv qhov chaw kom txwv tsis pub rub tawm, "Daniel hais.
Paub qhov no ib yam nkaus: nws muaj peev xwm koj yuav tsis muaj qhov poob tag nrho, piv txwv tias koj cov nyiaj tseem nqis peev. "Koj tsuas yog paub qhov poob yog tias cov kev nqis peev hauv koj tus account raug muag rau tsawg dua lub hauv paus. Ceev faj txog kev muag ib qho ntawm koj cov peev txheej thiab kaw qhov kev poob qis, "hais tias tus kws npaj nyiaj txiag muaj ntawv pov thawj Mark Humphries ntawm Sentinel Financial Planning. (Xav nrhiav tus kws pab tswv yim nyiaj txiag tshiab? Cov cuab yeej no tuaj yeem phim koj rau tus kws pab tswv yim uas ua tau raws li koj xav tau.)
Rau nws feem, tus kws tshaj lij nyiaj txiag uas tau lees paub Alonso Rodriguez Segarra ntawm Advise Financial hais tias 2022 yog xya xyoo phem tshaj plaws hauv cov txiaj ntsig txij li xyoo 1926 rau S&P 500. "Nco ntsoov, hauv khw muag khoom koj tsuas yog poob thaum koj muag thiab koj yeej ib txwm yeej ib yam dab tsi vim cov khoom lag luam thiab bonds them koj cov nyiaj faib thiab paj. Tsis txhob saib ntau zaus ntawm koj qhov nyiaj tshuav nyiaj li cas vim qhov ntawd yuav ua rau koj ntxhov siab thiab kev lag luam tau pom tias lawv rov zoo dua lub sijhawm, ”Segarra hais.
Yog tias koj txiav txim siab hloov cov kws pab tswv yim, paub meej txog koj qhov kev cia siab thiab tau txais kev nkag siab zoo ntawm tus kws pab tswv yim tshiab kev nqis peev los xyuas kom meej tias koj yuav paub tias muaj dab tsi tshwm sim. Guglielmetti hais tias "Yog tias ob tus kws tshaj lij muaj qhov zoo sib xws, nws tsis zoo li qhov tshwm sim yuav txawv heev," Guglielmetti hais.
Puas muaj teeb meem nrog koj tus kws pab tswv yim nyiaj txiag lossis nrhiav ntiav ib 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.
Source: https://www.marketwatch.com/picks/were-retired-and-recently-lost-100k-from-our-portfolio-our-adviser-said-we-could-lose-another-100k-in-2023-is-that-crazy-01675712019?siteid=yhoof2&yptr=yahoo