Menehelo ho Moralo oa Boipheliso oa Bohlale ke oa bohlokoa, empa ba ka u fumana ho fihlela joale. Senotlolo sa ho hōlisa chelete ena ke ho se tsetela.
Mekhoa e 'Meli ea ho Atela
Barupeluoa ba nang le bokhoni ba ho boloka chelete ba na le mekhoa e 'meli ea ho kenya chelete. Khetho ea pele ke ho kenya chelete ho Likoloto tsa Bophelo kapa Lichelete. Lichelete tsena li sebetsa joaloka letsatsi la ho tlohela mosebetsi chelete e fanoang ke likhamphani tsa lichelete. Khetho ea bobeli ke ho kenya chelete ka lichelete tsa batho ka bomong tse sebelisetsoang ho etsa lits'ebeletso tsa L. Barupeluoa ba ka sebelisa litsela kapa tse peli.
L Lichelete
L Lichelete li boleloa ka selemo seo bahoebi ba lumelang hore ba tla qala ho se ntša chelete litlalehong tsa bona tsa ho boloka chelete. Selemong sena ha se bolele hore selemo ke mosebetsi ea tla tlohela mosebetsi; Leha ho le joalo, selemo sa ho tlohela mosebetsi le selemo ha mosebetsi a qala ho tlosa chelete hangata a tšoana. Maemo a motho ka bomong a ka qobella moralo hore a tlohele chelete ka nako e telele.
Barupeluoa ba khetha ho kenya matsete L lichelete bakeng sa ho nolofatsa. Bahiri ba muso ba ka 'na ba se na nako, tsebo kapa boikemisetso ba ho laola chelete ea bona ea ho boloka chelete ea boipheliso ka chelete ea boipheliso ka bomong. L Lichelete li lumella mosebeletsi hore a etse qeto e le nngwe - ha a lebeletse ho qala ho tlosa chelete - 'me a lumelle chelete ho e etsa kaofela.
Ho latela melao-motheo ea motlakase, mofani-monyane o monyenyane o lokela ho ikemisetsa ho nka kotsi e fetang ea motsete-moholo. Mofani-monyane o monyenyane o na le nako e eketsehileng ea ho phallela holimo le ho theoha ha lichelete. Ho ikamahanya ha lichelete ka har'a lichelete tsa L ho fetoha ha nako e ntse e feta ho ba le boikemisetso bo eketsehileng ha selemo sa lichelete se atamela. Tsela e mengata ea ho itšireletsa e bolela kotsing e fokolang empa e ka fokotsa monyetla.
Hona joale ho na le Lichelete tse hlano tsa L tse fumanehang ho Moralo oa Boipheliso Barupeluoa:
- L 2050
- L 2040
- L 2030
- L 2020
- L Lefa
Letlōle la Lichelete la L ke la litho tsa barupeluoa ba seng ba ntse ba tlosa chelete kapa ba ikemiselitse pakeng tsa hona joale le 2014. Basebeletsi ba muso ba ikemiselitseng ho qala ho ntša chelete bohareng ba lilemo tse leshome ba lokela ho etsa qeto ea hore na ba ka 'na ba tlohela kapele kapa hamorao ho feta ba bona Selemong se khethiloeng le ho kenya chelete ho latela. Ha nako e ntse e tsoela pele, lichelete tse ling tsa L li tla bōptjoa ho nkela sebaka se seng sa nako.
Letlōle ka bomong
Haeba barupeluoa ba rera ba batla ho laola lik'hamphani tsa bona haufi-ufi, ba tla tlōla Lichelete tsa L le ho kenya chelete ea bona ka chelete ka bomong. Le hoja lichelete tsa L li ba kotsi haholo ha nako e ntse e ea, barupeluoa ba sebelisang chelete ka bomong ba lokela ho laola kotsi eo ba ikemiselitseng ho e mamella ho feta nako. Chelete eo ka boeona e iketsetsa motsoako oa lichelete ka har'a lichelete tsa L.
Ho na le lichelete tse hlano tsa barupeluoa ba Thrift Savings Plan:
Lefapha la Letlotlo la Letlotlo la Letlotlo la 'Muso (G)
Letlōle lena le iketsetsa chelete ea matlotlo a nakoana a US Treasury. Meputso e tšoana le ea matlotlo a nako e telele a matlotlo. Ha ho kotsi ea ho lahleheloa ke mookameli.
Letlōle le tloaelehileng la lichelete (Stock) Investment (C) Fund
Letlōle lena le etsisa Standard & Poor's 500 (S & P 500). Litheko li tsoa lik'hamphani tsa Amerika tse bohareng.
Letlōle la lichelete tsa lichelete tsa lichelete (F) Fund
Letlōle lena le etsisa Index ea Barclays Capital US Bonnet Bond Index. Litlamo tsa letlōle lena li tsoa likarolong tse sa tšoaneng tsa maraka a likoloto.
Letlōle la Small Capitalization Stock Index (S) Fund
Letlōle lena le etsisa Dow Jones US ho tlatsa Total Stock Market (TSM) Index. E fapane ho feta chelete e 'ngoe empa e fana ka bokhoni bo phahameng ba ho fumana chelete.
International Stock Index Index Investment (I) Letlōle
Letlōle lena le tšoana le Index ea Stock ea EAFE ea Morgan Stanley Capital.
E lumella hore o sebelise lik'hamphani tse kholo linaheng tse tsoetseng pele.
Tataiso ea Tlhaloso: Litaba tsa sehlooho sena ke tsa merero feela. Sehlooho sena ha se reretsoe ho fana ka keletso ea lichelete. Sheba setsebi sa lichelete tse tšoanelehang bakeng sa keletso ea lichelete