Daɣ 30 n awatay immik wa s addobat awadim ad isassaɣ iddikud n azruf net i ad issiwil alwaq wa id ilan 65 n awatay?
Iddikud n azruf i alxidmat amos majrad assohen i awadim fuk meɣ egadach fuk  Daɣ Amerik, inaxdiman ajjotnen n alwaq fuk ilan alxaqqan i 401K meɣ Roth IRA program tan n afanaz n alxidmat s amšǝkki nasan, hakkinen turhajat i asidu n azruf fal riba tan nasan tolas daɣ ihandagan iyyad, ijrawan tinfa tan ajjotnen har iddikud n amšǝkki wan amšǝkki  Daɣ 401K, alwaqqan iyyad tila assahat i nefran n awa s itawan index fund tan, meɣ amichak n alqim tan wi idasnen taqqimen n stock tan, bond tan meɣ alxidmaten tiyyad n azruf Awen addobat ad eqqil axakam fal as taggayt meɣ awadim n anafham izjar id isalan win asidu n azruf wen meɣ axakam fal as taggayt t aqqal fal hebu n hebu meɣ lista n taggayen (almital: XLF, taggayt taqqal fal asidu n alxidmat tan bancaire)  Daɣ awa id eqqalan awikkal n tizunawen, daɣ alasal ilanat iddikud maqqoran n timašɣulen meɣ azruf daɣ portfolio net s tizarat daɣ alxidmat net, s amliliy wen eway id tizunawen n tizunawen andarran alwaq wa id ewad achal wan tadhilt Daɣ majrad fuk kuddeɣ as active managed fund tan ijjan alxidmat hullan daɣ ihandagan iyyad, aqqalan a olahan hullan daɣ alxidmat nasan id index fund tan wi war n axdem tolas fal alqim tan nasan wi osaɣnen, imusanan ajjotnen ardahan as amos a ilan musnat ijjan titbaqet fal index fund tan win hebu  Portfolio n alxidmat n afanaz n awadim ilan 30 n awatay addobat ad eqqil 50 har 75% n asidu n azruf n akal n kapital maqqoran Eqqal a ilan musnat ijjuch n hebu tan win addawla tan d hebu tan n akal madroynen meɣ wi ahanen kapital meɣ ichrutan n hebu tan iyyad s bonds meɣ azruf andarran har s data daɣ tamudre