Tom qab tus menyuam coaster ntawm ib lub xyoo, cov nyiaj laus yuav xav tau kev kho me ntsis thiab kev sab laj.
Cov Lus Qhia Txog Nyiaj Laus ntawm Lub Limtiam: Yog tias koj tsis tau txheeb xyuas qhov faib koj cov peev txheej tsis ntev los no, ua tam sim no kom paub tseeb tias kev pleev xim ntawm koj cov ntaub ntawv yuav ua rau koj taug qab rau koj lub hom phiaj. Yog tias koj cov ntaub ntawv poob qis, nws yog lub sijhawm los rov ua kom rov zoo.
Nws yog ib qho tseem ceeb rau kev faib cov cuab yeej cuab tam, uas yog li cas cov ntaub ntawv tau txais txiaj ntsig ntawm ntau hom kev nqis peev, hloov pauv thaum lub sij hawm kev lag luam tsis hloov pauv - dheev, dab tsi yog ib zaug 60/40 cov ntaub ntawv faib tawm ntawm cov khoom lag luam thiab cov ntawv cog lus yuav yog 50/50 lossis 70/30. Kev faib cov cuab yeej cuab tam yog ib qho tseem ceeb hauv kev ua kom ib tug neeg mus rau lawv lub hom phiaj, thiab kev sib xyaw tsis raug tuaj yeem ua rau cov neeg txuag rov qab.
Kev Muab Nyiaj Nws yog ib qho tseem ceeb rau txhua xyoo, tshwj xeeb tshaj yog tom qab ib xyoos zoo li 2022, thaum cov tub ua lag luam tau ntsib cov xov xwm tsis txaus ntseeg nyob ib puag ncig kev hloov pauv, kev nce nqi thiab kev txaus siab.
Tab sis nco ntsoov tias cov ntaub ntawv no yog txhais tau tias yuav mus ntev, thiab yuav tsum tau nqis peev rau hauv txoj hauv kev uas yuav ua rau huab cua nce thiab nqis ntawm kev lag luam rau lub hom phiaj mus sij hawm ntev, hais tias Matthew Gelfand, tus kws tshaj lij nyiaj txiag thiab tus thawj coj tau lees paub. ntawm Tricolor Capital Advisors.
Nws tau hais tias "Kev sib npaug yuav tsum tshwm sim thaum cov khoom vaj khoom tsev nkag mus sab nraud lawv qhov kev faib tawm," nws hais. Piv txwv li, cov ntaub ntawv pov thawj uas tau nqis peev 65% hauv cov khoom lag luam thiab 35% hauv daim ntawv cog lus thiab muaj 3% kev kam rau siab txhais tau tias cov ntaub ntawv tseem tuaj yeem ua haujlwm zoo yog tias cov khoom lag luam yuav dhau los ua qhov nruab nrab ntawm 62% thiab 68% ntawm cov ntaub ntawv. Nyob rau hauv cov ntaub ntawv no, lub portfolio yuav tsum rebalanced. (Qhov kev txwv tsis pub muaj peev xwm ntau dua li ntawd - koj yuav tsum xav txog kev sab laj nrog tus kws npaj nyiaj txiag lossis tus kws tshaj lij ntawm lub tuam txhab tswj hwm koj cov nyiaj laus.)
Cov tub ua lag luam nrog cov phiaj xwm hnub tim muaj cov ntaub ntawv uas tau txais kev sib npaug, txij li cov kev nqis peev no raug khi rau ib xyoo so nyiaj laus (xws li 2055, lossis 2060) thiab yog li kos ntau qhov kev saib xyuas raws li lub xyoo mus ntxiv. Cov neeg siv khoom ntawm cov phiaj xwm nyiaj txiag kuj tseem tuaj yeem muaj ib tus neeg uas twb tau txheeb xyuas cov nyiaj tau los thiab ncua sij hawm rov ntsuas cov ntaub ntawv. Cov tswv hauj lwm txhawb nqa cov phiaj xwm nyiaj laus, zoo li 401 (k), kuj tseem yuav muaj cov yam ntxwv uas suav nrog kev rov ua kom rov zoo li qub, xws li txhua xyoo lossis peb lub hlis twg.
Xav tau cov lus qhia ntxiv rau koj li kev so nyiaj laus so? Nyeem MarketWatch's “Nyiaj Hacks” kem
Txawm li cas los xij, nws yeej tsis mob siab rau kuaj. Thiab nws yog ib qho kev xyaum zoo los teem caij kuaj xyuas koj tus kheej. Xyoo tshiab yog lub sijhawm zoo los ua nws, hais tias William Parrott, tus kws tshaj lij kev npaj nyiaj txiag thiab tus thawj coj ntawm Parrott Wealth Management. Nws tau hais tias "Lub Ib Hlis yog lub sijhawm zoo rau kev sib npaug ntawm cov peev nyiaj vim tias tag nrho cov nyiaj tau los thiab cov peev nyiaj tau txais txiaj ntsig tau muab tso rau hauv tus as khauj," nws hais. Lwm tus kws tshaj lij hais tias kev kuaj xyuas tuaj yeem ua ib nrab xyoo, lossis peb lub hlis twg.
Nws muaj qhov sib txawv me ntsis ntawm kev sib npaug thiab kev nqis peev zoo, yog li yog tias koj hloov pauv koj cov ntaub ntawv ntau dhau, koj tab tom "kev kwv yees, tsis nqis peev," Larry Luxenberg, tus kws tshaj lij nyiaj txiag thiab tus thawj coj ntawm Lexington Avenue Capital Management tau hais.
Cov phiaj xwm so haujlwm feem ntau yog "teeb nws thiab tsis nco qab nws" hom nyiaj. Luxembourg tau hais tias "Qhov tseem ceeb tshaj plaws yog muab cov ntaub ntawv zoo sib xws thiab tom qab ntawd tso nws ib leeg los ua nws txoj haujlwm," Luxembourg tau hais. "Tsuas yog muaj kev cuam tshuam loj hauv kev lag luam lossis kev hloov pauv loj hauv tus kheej yuav tsum ua kom muaj kev hloov pauv ntau zaus."
Koj puas muaj lus nug txog nyiaj laus, Social Security, Nyob qhov twg or yuav ua li cas them nws txhua? Sau rau [email tiv thaiv] thiab peb tuaj yeem siv koj cov lus nug hauv zaj dab neeg yav tom ntej.
Tau qhov twg los: https://www.marketwatch.com/story/your-401-k-has-had-a-wild-year-how-to-know-when-its-time-to-rebalance-11668437021?siteid= yhoof2&yptr=yahoo