30  ella vyakti  65  ella vayassulopu padav viramanha pondenduku vaari dabbunu elaa pettubadi pettali ?
 padav viramanha choose podhupu anede e vyakti ledha kutumbaaniki ayinava pariganinchavalasina mukhyamaina amsham .

US loo ,  chaaala mandhi porthi samayam vudyogulu vaari yajamaani dwara  401K  ledha  Roth IRA  padav viramanha podhupu kaaryakramaalaku arhulu ,  idi mee aadaayampai pannulanu vaayidaa veydaniki mimmalni anumatistundi mariyu konni sandarbhaallo ,  mee yajamaani nundi kontha motham varku adanapu anubandha viraalhaalanu andukuntaaru . .

 mee  401K  dwara meeru indices funded ‌ lu ledha stoke ‌ lu ,  band ‌ lu ledha itara aardika saadhanaala yokka nirdishta samuuhaalanu trac chese securityla misramaalu ani pilavabade empika shraeniki tarachugaa yaakses kaligi untaruu .  ooka kompany ledha salahadaru yea funded ‌ lalooni antarleena pettubadulanu niyantristhe ledha nishkriyaatmakamgaa nirvahinchabade choota vitini churukugaa nirvahinchavachchu ,  ikda funded nirdishta maarket ledha companyla jaabitaanu trac chesthundu  ( udaaharanha : XLF,  visthrutha byanking parisramanu trac chese funded ).

 risku nirvahanha paranga ,  saadharanamga meeru mee kereer ‌ loo mundhuga mee Port ‌ pholiolo stoke ‌ lu verses band ‌ lu ledha nagadu ekuva saatam kaligi untaruu ,  meeru ritair ‌ ment ‌ ku daggaravutunna koddi yea mixes takuva risky bandla vaipu mallutundi .  saadharanamga cheppalantey ,  active ‌ gaaa nirvahinchabade funded ‌ lu konni sandarbhaallo manchi paniteerunu kanabarichinappatikii ,  avi sagatuna vaati paniteerulo nishkriyaatmakamgaa nirvahinchabade indices funded ‌ lato samaanamgaa untai mariyu vaati anubandha rusumu kaaranamgaa ,  chaaala mandhi nipunhulu visthrutha maarket indices funded ‌ lapai drhushti pettedam telivaina pania ani angeekaristunnaaru . .

30  samvatsaraala vayassu galawari choose ooka sadarana padav viramanha Port ‌ folio peddha capitalisation dhesheeya stoke fundlaloo  50-75%  kaligi vumdavacchu .  videsi maarketlu mariyu chinna / madyastha capitalisation dhesheeya stoke ‌ lu ledha nirdishta maarket segment ‌ laku kontha bahirgatam cheeyadam ,  jeevitamlo tharuvaathi varku kaneesa band ‌ lu ledha nagadutho undatam saadharanamga telivaina pania .