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Thursday, September 17, 2026
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HomeInvertirEl error de $ 130,000 que muchos inversores IRA cometen

El error de $ 130,000 que muchos inversores IRA cometen

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Alterar en una cuenta de subvención individual (IRA) es una excelente modo de racionar para la subvención, siempre y cuando positivamente invierta su efectivo.

Sin requisa, un número sorprendentemente detención de inversores que dan el paso crítico de contribuir con efectivo a una IRA que se pierde el beneficio más conspicuo de la cuenta: llegada a activos de crecimiento de riqueza como acciones, fondos mutuos, ETF y otros activos.

¿Qué están haciendo con su efectivo? Mínimo. Fielmente. En lado de modificar contribuciones para aumentar sus ahorros de subvención, lo fundamental Propósito de usar una IRA Para racionar, lo dejan quedarse inactivo en efectivo. Y no solo por unos meses, siquiera.

El detención costo de ignorar tu IRA

Vanguardiauno de los proveedores de cuentas de subvención más grandes, encontró que más de la medio de los 279,000 IRA que los clientes financiaron permanecieron directamente no invertidos durante al menos un año.

Volviendo a 2015, descubrió que casi un tercio de los ahorradores que hicieron una reinversión del IRA (trasladando efectivo a Vanguard desde un antiguo plan de trabajo o una cuenta en una institución financiera diferente) todavía tenía sus fondos en efectivo siete abriles luego. En otras palabras, estos ahorradores no hicieron una sola inversión en su cuenta de subvención desde 2015 hasta finales de 2022.

Ira Cash es un punto ciego de mil millones de dólares. Muchos titulares de IRA quieren modificar sus ahorros de subvención en el mercado de títulos y piensan que invierten luego de una reinversión. En verdad, están sentados en fondos del mercado monetario.

– Andy Reed
Presidente de Investigación del Comportamiento de Inversores en Vanguard

De acuerdo a Cálculos de Vanguardesta supervisión cuesta al inversor promedio pequeño de 55 abriles al menos $ 130,000 en riqueza de subvención adicional (la diferencia entre modificar en un fondo mutuo de término objetivo frente a restante en efectivo). Eso es suficiente para cubrir más de dos abriles de gastos de subvención para el hogar estadounidense promedio.

See also  7 Errores de inversión Los profesionales financieros dicen que debe evitar

Se empeora: muchos ahorradores de subvención ni siquiera se dan cuenta de que están cometiendo este error.

Por qué los inversores de IRA se quedan con efectivo

No es temor a la turbulencia del mercado de títulos o una organización intencional de papeleo de activos que impulsa a los inversores a acumular efectivo en sus IRA. Es un error del legatario, o, más caritativamente, un concepto incorrecto sobre la forma en que funciona las IRA.

Cuando Vanguard encuestó a los inversores de trastorno cuyos activos todavía estaban en efectivo más de un año luego, la mayoría de ellos dijo que era completamente involuntario. Casi la medio (48 por ciento) asumió que sus contribuciones del IRA se invirtieron automáticamente; El 68 por ciento dijo que no se dieron cuenta de cómo se invirtieron sus activos y que un tercio de los encuestados dijeron que preferían una inversión similar a un efectivo. (Los encuestados podrían informar más de una razón para estar en efectivo).

Tiempo de PSA de IRA

Una IRA no es una inversión en sí misma. Es simplemente un tipo exclusivo de cuenta de ahorros, una celda de retención protegida por impuestos para su efectivo, que le permite comprar una variedad de inversiones (acciones, bonos, fondos mutuos, etc.), si así lo desea.

Puede pensar que son los ahorradores nuevos que no entienden la mecánica de las IRA. Pero Vanguard descubrió que los inversores aún más conocedores creían erróneamente que sus contribuciones se invirtieron automáticamente.

Esa es una suposición moderado si su experiencia de inversión en subvención proviene de racionar en un plan de trabajo como un 401 (k). Muchos planes de subvención en el lado de trabajo dirigen automáticamente las contribuciones a una alternativa de inversión de incumplimiento calificada (QDIA), generalmente un Fondo mutuo de término objetivo Basado en la momento del participante que incluye la exposición a acciones y bonos.

Los participantes del plan son libres de designar una opción de inversión diferente adentro de su 401 (k). Pero incluso si optan por no hacerlo, o no saben que pueden, al menos su efectivo se invierte en una combinación de inversiones apropiada para la momento.

Las IRA asimismo tienen una opción de inversión predeterminada: es efectivo. Y a casi cualquier momento, una cartera de subvención concentrado 100 por ciento en efectivo no es apropiado asignación de activos.

¿Necesitas un asesor?

¿Necesita orientación experta cuando se proxenetismo de ordenar sus inversiones o planificar la subvención?

El asesor de Bankrate puede conectarlo con un profesional CFP® para ayudarlo a alcanzar sus objetivos financieros.

Cómo evitar la inercia de inversión de IRA

Las cuentas de subvención están diseñadas para ser portátiles, lo que facilita tomar el efectivo que ahorró en un 401 (k) cuando deja su trabajo y conserva las mismas protecciones fiscales por Enrollándolo en una cuenta similar. (Mientras el efectivo sea transferido adentro de los 60 díasno debes impuestos.)

Relacionado: Los mejores lugares para ocurrir por encima de su 401 (k)

Hay dos formas de transferir efectivo De un proveedor a uno nuevo:

  • Hacer una transferencia directa (o transferencia de efectivo): Esta es la opción más sencillo y popular para los reinversos. Aquí está la captura: para realizar la transferencia, su cuenta debe liquidarse, todas las inversiones vendidas, y convertirse en efectivo.

    Hasta que le indique a su nuevo proveedor financiero de lo contrario, su efectivo no invertido quedará inactivo o se trasladará a una cuenta bancaria afiliada (una “cuenta de barredura de efectivo“) Obtener una cantidad nominativo en interés. Esta” inversión “por defecto se aplica a si financia una IRA directamente o mediante una reinversión.

  • Hacer una transferencia en especie: Esta opción le permite transferir las inversiones reales (acciones, ETF y tal vez fondos mutuos). Algunas capturas (y por qué no es típicamente la opción para los reinversos del IRA): no todos los corredores ofrecen transferencias en especie y algunos cobran una tarifa (ya sea plana o un porcentaje de activos transferidos).

    Incluso si un corredor ofrece transferencias en especie gratuitas, una gran parte de su IRA aún puede terminar en efectivo si la inversión exacta o similar no está adecuado del nuevo proveedor, como es el caso con muchos tipos de fondos mutuos. En ese caso, la antigua inversión se venderá y el efectivo se transferirá a la IRA de reinversión.

Si la idea de designar inversiones por su cuenta es demasiado desalentadora, un avisador de robo – Un servicio automatizado de papeleo de cartera – puede hacer el trabajo pesado por usted por una tarifa. (Ver nuestras elecciones para Los mejores robo-advisors para IRA.)

Final

Persistir algunos de sus ahorros de subvención en efectivo no es un error, siempre que sea parte de una organización de inversión intencional. Recuerde ocasionalmente echar un vistazo debajo del capó de su IRA, o Haga que un asesor financiero realice un chequeo de cartera -Identificar cualquier desalineación que pueda dañar sus rendimientos a holgado plazo.

Descargo de responsabilidad editorial: se aconseja a todos los inversores que realicen su propia investigación independiente sobre estrategias de inversión antaño de tomar una intrepidez de inversión. Adicionalmente, se informa a los inversores que el rendimiento del producto de inversión pasada no es respaldo de una futura apreciación de los precios.

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