ថ្មីៗនេះ SEC បានស្នើច្បាប់ថ្មីដែលអាចជះឥទ្ធិពលអវិជ្ជមានដល់អ្នកសន្សំប្រាក់ចូលនិវត្តន៍រាប់លាននាក់ — នេះគឺជាអ្វីដែលពួកគេមាន និងរបៀបរក្សាផែនការរបស់អ្នកឱ្យស្ថិតស្ថេរ។

The mutual fund industry has taken aim at the U.S. Securities and Exchange Commission over new proposed rules that could harm millions of Americans saving for retirement.

The SEC wants to change how mutual funds are run in order to better prepare them for stressed market conditions and to protect investors’ interests.

កុំនឹក

However, critics believe the SEC’s proposals are “unworkable and costly” — and they could make it “harder for families to achieve their financial goals,” according to Eric Pan, president and CEO of the Investment Company Institute (ICI).

Americans often turn to mutual funds to រក្សាទុកសម្រាប់ការចូលនិវត្តន៍, but with this path potentially at risk, there are other ways to keep your retirement plans on track.

What does the SEC want to change?

The SEC wants mutual funds and some exchange-traded funds (ETFs) to hold at least 10% of highly liquid assets — meaning cash or an asset that can be readily converted to cash — to help manage heightened redemptions during times of economic stress.

It also wants to enforce swing pricing and a hard daily close of 4 p.m. Eastern Time for traders — two amendments that have boiled the blood of fund managers.

Swing pricing tweaks the net asset value (NAV) of a fund in line with trading activity so that sellers bear the costs of exiting the fund without diluting the shares of remaining investors.

The proposed hard daily close is “a dramatic change,” according to Pan, who says that cut-off times — potentially as early as 7 a.m. on the west coast — will mean that “mutual fund investors will lose full access to trading at today’s price during normal market hours.”

រឿងរ៉ាវនៅតែបន្ត

The question that fund managers are asking is: Why fix what ain’t broken?

“Mutual funds have existed for almost a century,” argued Pan. “Over the years, they have withstood shocks ranging from depressions to global wars. Mutual funds work. They help people build financial security.”

Fidelity’s independent trustees are “deeply concerned” about the SEC’s proposals that “came without first collecting and analyzing the necessary data that demonstrates that a problem exists.”

You don’t have to sit back while policymakers spar over mutual fund management. Here’s how you can take control of your long-term financial planning.

អាន​បន្ថែម៖ នេះជា ប្រាក់បៀវត្សរ៍ជាមធ្យម ជំនាន់នីមួយៗនិយាយថា ពួកគេត្រូវតែមានអារម្មណ៍ថា "មានសុខភាពល្អផ្នែកហិរញ្ញវត្ថុ"។ Gen Z តម្រូវឱ្យមាន $171K ក្នុងមួយឆ្នាំ — ប៉ុន្តែតើការរំពឹងទុករបស់អ្នកប្រៀបធៀបយ៉ាងដូចម្តេច?

How to keep your retirement plans on track

To plan for the future, you should take a long hard look at your current finances and ask yourself:

Settling your debts is important because things like credit card debt, your car loan, the mortgage on your house, and the remaining balance on your student loan all accrue interest over time.

If you’re not in a position to pay and you’re tied down by multiple lines of credit, you can try negotiating with your lender or consider a ផែនការបង្រួបបង្រួមបំណុល, which pools your various debts into one simplified loan, often with a lower interest rate.

A shocking 60% of non-retirees are concerned about their retirement savings, according to data by the Federal Reserve Board. These concerns have become more acute as Americans battle record-high inflation.

There are real benefits to saving for retirement as early as possible. For starters, your nest egg can benefit from compound interest — when you earn interest on your interest over time.

To help with this, you may want to consider taking advantage of ធនាគារតាមអ៊ីនធឺណិត, where savings accounts are now returning 2.5% or more, which is a big advantage over brick-and-mortar banks.

While you may have to prioritize immediate financial milestones like buying a house or paying for your kids’ schooling, making a habit of saving — even if it is just a small amount every month — can be a huge benefit when you’re ready to retire.

When planning for your financial future, you should consider using tax-friendly investment vehicles like a 401(k) account if your employer offers one.

A 401(k) retirement savings plan will allow you to steer a portion of your pay into an account where you can invest and grow your money — and get a tax break.

If you don’t have access to a 401(k), you might consider opening a traditional IRA, where you can contribute pretax income and grow it tax-free until you make withdrawals in retirement.

You’re allowed to contribute up to $7,500 in a 401(k) and up to $1,000 in an IRA in 2023.

ជម្រើសមួយទៀតគឺ ក រ័ត្ន IRA, where your contributions are taxed upfront so that your withdrawals are tax-free in retirement. Roth IRAs are popular for their advantages and flexibility, but they do have certain rules and limitations and you can face penalties if you withdraw your earnings too soon.

The good thing about all of these accounts is they allow you to grow your wealth and put your money to work, giving you needed cash flow in retirement.

អ្វីដែលត្រូវអានបន្ទាប់

អត្ថបទនេះផ្តល់ព័ត៌មានតែប៉ុណ្ណោះហើយមិនគួរបកស្រាយជាដំបូន្មានឡើយ។ វាត្រូវបានផ្តល់ជូនដោយគ្មានការធានាគ្រប់ប្រភេទ។