Kushandisa Kutevedzeri Kwemutengi kuKutengeserana Kwemakiti Ekutengesa

Muenzaniso: Segmentation mu Defined Benefit Retirement Market

Iko kunotengeswa kwekutsvaga kwekutsvaga mararamiro kunonyanya "dhani" pakati pevashandi 'zvepfungwa dzepfungwa, mararamiro ezvoupfumi, uye mararamiro ehutano uye chaiyo chigadzirwa kana basa riri kutengeswa kune vatengi. Chimbofunga zvinhu izvi:

• Zvido zvepfungwa - Chimiro, kuzvidzora, rugare rwepfungwa, kuonekwa kuti kune ngozi yekuchinja;
• Mazano Edzimumiro - Kufungidzira mutengo, zvidzidzo, mazwi echikwereti, nekuwana mari.

• Maitiro Anoshanda - Kuvimbika, kuwanikwa, nyore nyore kushandisa, kubudirira, kubudirira, nekuchengeteka.

A Segmentation Muenzaniso weHurongwa Hwehupfumi Vanotsigira

Izvo zvinotarisirwa kumusika wekugadzirwa kwemuenzaniso wakaiswa pasi apa wakagadzirirwa kuronga basa rekubatira mari. Chirongwa chekushandira mari vanobatsirana vanosanganisira masangano anoisa mari yekubvisa mari yevashandi vehurumende uye yevamwe. Vanowanzozivikanwa hurongwa huripo vanosanganisira CalSTRS (California State Teachers Retirement System) uye TIAA-CREF [Teachers Insurance uye Annuity Association yeAmerica (TIAA) uye College Retirement Equities Fund (CREF)].

Zviyamupinyi zvakakosha zvepurogiramu 5 Purogiramu Vanotsigira Iti Market Yakanakira Kubatsirwa

• Zvikamu: Vatengesi, Menders, Exenders, Fenders, Enders
• Matanho Akakosha:
  • Zvichida Kusununguka (usaita chisarudzo chekuisa mari)
  • Financial Flexibility
  • Pension Exposure to Balance Sheet
  • Tsvaga uye Tsvaka Mhinduro Dzakanaka

Vatengesi = Deredza Minatility

Izvo zvirongwa zvinotsigira vavariro yekuchengetedza zvirongwa zvinoshingairira zvekugadzirisa tarenda (chinangwa chemakambani) kana nekuda kwekuti vari vanhu (hutsika kana hutano hwehutano).

Vatengesi vachava vatengesi vekutanga sezvo vane bhadharo yakakwirira yekusvitsa mari. Nemhaka yekukweretesa kwakanyanya, avo vanobatsiri vanogona kukwanisa kuchinja kuchinja. Vatengesi vachave vachifarira zvikuru michina yakagadzirwa uye kuwedzerwa kwenguva yakareba yakagadzirirwa mari.

Menders = Innovators

Izvo zvikwereti zvinobhadhara zvakakwana zvakakwana zvakakwana maererano nebhadha rega rega kuti ive nechokuita kwehuwandu hwehutano hwekushaya mari.

Vachange vachida kuchengetedza maitiro avo anotsanangurwa anobatsira, asi anogona kuvanetsa nyore kana vachida kuita saizvozvo. Izvo zvirongwa vanobatsiri vanofarira kufungidzira-kudzoka kugadzirisa. Vachafunga zvinhu zvitsva, kunyanya avo vanovimbisa alpha chizvarwa, masayeri-kutarisira mitemo, uye yakanyanya kudzivirira ngozi. Iri boka rerongwa rinotsigira uchapupu huri kukwidziridzwa kufarira kugadzirisa "dhizha rekudzoka."

Extenders = Chimirira & Nyengetera

Izvi zvirongwa zvinotsigira mumapoka maviri: Avo vanogona kukurumidza kuronga hurongwa neavo vanozoita sevasina simba rokugadzira.

Mafriji anosvika anenge 25 muzana emahofisi ega ega Defined Benefit assets pasi pevatungamiri (AUM) uye achabatana nehutano quo kwenguva yakareba sezvingaita. Vanowanzove vaine mari yakawanda uye vanogona nyore nyore nechando. Asi zvirongwa izvi vanotsigira shanduko uye tariro yokuti kuenzaniswa kwakanaka uye kufarira kunobatsira kubvumira kupera kwemari.

Izvo zvikwereti zvine zvishoma (maererano nebhadhiro yakazara) zvakakwana-zvakabhadharwa zvirongwa zve Defined Benefit. Havakwanisi kupisa zvirongwa zvavo sezvo vasingakwanisi kuderedza zvinyorwa zvenguva yemberi. Purogiramu yevashandi vanogona kuchengetedza inotarisa pamusoro pekuwedzera kwekukwanisa kuisa pangozi, kuverenga pamusika kuti vabate pamwe chete, uye ichaita kuti kuwedzera kwemafaji kugoverwa kuwedzere nguva.

Vanopera = Vhura Dice

Zvinonyanya kubhadharwa mari, idzi chirongwa chevatsigiri vane mukana wekukanda, asi chido chikuru chekudya. Mukuedza kukwira kunze kwegomba risina mari, vanozotengesa zvekutsamwira nokuda kwekudzoka kwepamusoro, vachitarisa kune zvinyorwa zvepa alpha uye mamwe mazvikwereti zvakadai sehedge funds uye kugoverana kwevamwe. Sekupedzisira kushandiswa, vanozovimba nePension Benefit Guaranty Corporation (PBGC) kupa zvipo zvepensheni.

Enders = Zvichida Kugumisa

Kubhadharwa uye vanoda kubhadhara mari yakawanda yekuita shanduko, idzi urongwa vanotsigira vanogona kufamba nokukurumidza. Havagone kumira-iyo kuverenga uye kupa mupiro usati wanyanyisa. Saka ivo vachasarudza kupisa kana kubuda zvirongwa zvavo zve Defined Benefit. Izvo zvirongwa vatsigiri vanozokwezeswa kutenga mhinduro, dzakawanda dzazvo, munguva yepedyo-nguva, dzichatora maitiro e annuity kutenga kubva kune vambisi.

Vachange vachiramba vachigamuchira zvakanyanya kugadziriswa kwekutengesa-mhinduro.