Izindlela eziCwangcisiweyo kunye neNyaniso onokuzisebenzisa ukuze wenze utyalo-mali lwakho lusebenzele
Kwinqaku lwakutshanje , sixoxe ngento yokuba umhlalaphantsi ongaphantsi nje awulophupho eligcinwe kuphela ngenxa yezigidigidi. Kukho ngokwenene abantu abangaphezulu kunye nabasebenzi abasebenza emsebenzini wokuthatha umhlalaphantsi kwangaphambili, abanye baneminyaka engama-50 ubudala. Ngeke kube lula, kodwa kwabo baqeqeshwayo kwaye bahlanganiswe kakuhle, isicwangciso esiqinileyo, ukuthatha umhlala-phantsi kwangaphambili kunokwenzeka. Isinyathelo sokuqala kukuqala ngeendlela ezisiseko, okuquka ukufumana umbono ocacileyo engqondweni yakho yento ofuna ukuba umhlalaphantsi wakho abukeke ngayo.
Ngokomzekelo, ngaba uceba ukuchitha ixesha elininzi kunye nosapho lwakho kwaye uhlale usondele kwikhaya, okanye uceba ukuhamba ngehlabathi, uzame ukuzonwabisa, uze ube neentlanga? Ngaba uceba ukuhamba okanye uhlale apho ukhona?
Emva kokuba unomfanekiso entloko yakho yento ofuna ukuba umhlalaphantsi wakho ubonakale ngayo, lixesha lokujonga amanani. Uza kufuna ukufumanisa i-gap, okona umehluko phakathi kwemithombo yakho yengeniso eqhubekayo kunye nenkcitho yakho yenyanga. Le ngxakano engapheliyo uya kuyidinga ukuyizalisa, kwaye liyimali eya kufuneka ihlengahlengiswe ngaphezu kwexesha ngenxa yokunyuka kwamaxabiso. Ngomhlalaphantsi, ufuna ukufumana indlela yokwenza iqanda lakho linyama ukuvelisa umvuzo ongenamathuba angagcwalisa le gale ngaphandle kokuba usebenzise imali ngokutyalomali lwakho.
Kukho inani leengcamango ezinokuchaphazela isicwangciso sakho kunye nomhlalaphantsi kuquka nokuba ungacwangcanga ukusebenza kwithuba lesithuba ukuba unemali yokuboleka imali, ukunakekelwa kwezempilo kunye nentlawulo .
Ukongezelela, kukho iindlela ezithile ezibalulekileyo zokwenza utyalo-mali oluthile kunye nokuzisa imali eyongezelelweyo ngendlela yokuxabisa, ingeniso, izabelo kunye nomdla.
4 Iindlela ezigqwesileyo zokuthatha umhlalaphantsi
Khumbula, ukuhlala umhlala-phantsi kusengaphezulu kwezinto ozigcineleyo ukuze ulungiselele umhlala-phantsi kwenzeni nokwenza utyalo-mali olutsha emva kokuba uthathe umhlalaphantsi.
Nazi iindlela ezine ongayisebenzisa ukuze wenze utyalo-mali lwakho lusebenzele wena-qiniseka ukuba uthetha nomcebisi wezezimali oqeqeshiweyo kuqala.
1. I-$ 1000-Ulawulo lwee-Bucks-Month-Rule . Le Rule eyi-1000-ye-Bucks-A-Rule ingakugcina ugxininise kwixesha elizayo lomhlala phantsi njengoko ubeka imali namhlanje. Umgaqo ulula: kuzo zonke i-$ 1,000 uqinisekile ukuba unyaka ngamnye umhlala phantsi, kufuneka ugcine ii-240,000 zamaRandi. Le nombolo ivela kulandelelwano olulandelayo: i-240,000 x 5% yezinga lokuhoxisa = $ 12,000. Iingxowa ezili-12,000 ezidibeneyo ziinyanga ezili-12 ngonyaka ziyi-$ 1,000 ngenyanga malunga nomhlalaphantsi wakho. Lezigidi zeedola kufuneka zibonwe njengomthombo owongezelelweyo wenzuzo nganye ngenyanga. Ingasetyenziselwa ukuncedisa ingeniso yakho yeNhlalakahle yeNhlalakahle, ipensheni yakho, nayiphi na umsebenzi wesikhathi-nxaxheba oyithathayo okanye eminye imithombo yengeniso.
2. I-RIDD (Intlawulo, iNgeniso, iMahlulo, iMipasho). Le ndlela yindlela ephakamileyo yokuphumeza xa uceba umhlala-phantsi kwangaphambili kwaye uzayo nesigama esishukumisayo: RIDD. Ziphumelele loo msebenzi we-9 ukuya ku-5 kwaye ukuziva ngathi umhlalaphantsi kukude kakhulu ukuzonwabisa. Ephukile phantsi, i-RIDD imele izinto ezine: irenti, ingeniso, izabelo kunye nokuhambisa.
- Irente. Oku kuyandila kulula, kodwa iinzuzo zikhulu. Ukufumana indawo yokuqashisa ngumthombo wemali engenayo onokuyithemba kuyo ngomhlalaphantsi. Ukuba uqeshisa ipropati onayo i-$ 1,500 ngenyanga, uyayikhathaza imali. Ukukhumbula i-$ 1000-ye-Bucks-Month-Rule Ngalolu hlobo luza kwenza ukuba umhlala-phantsi kusenokwenzeka kufumaneka ngakumbi.
- Ingeniso, izabelo kunye nokunikezelwa. Ezi zinto zintathu zisebenza kunye: ingeniso evela kwiibhondi, izabelo ezivela kwiimpahla, kunye nokunikezelwa kwintengiso engabikhoyo kunye namasheya. Ngokuxhomekeke ekubeni bunzima bunjani kwicandelo ngalinye, i-portfolio yokuvelisa iphothifoliyo kufuneka ikwazi ukuvelisa "ukuhamba kwemali" yonyaka kwi-4 ukuya kwe-5 yeepesenti. Abathatha umhlalaphantsi bokuqala kufuneka baceba ukuhoxisa ama-4 ekhulwini ngamnye ngonyaka. Ngoko cinga ukuba unayo imali engama-1 000 000 kwi-investments yakho. Uyakwazi ukurhoxisa i-$ 40,000 ngonyaka ukuze ungeze kwingeniso yakho yepropati.
3. Ulawulo lwama-72. Nangona ukugcinwa ngandlela-thile kubalulekile, kunceda ukwazi ukuba ukubeka imali ongeke uyithinte ixesha (njengemali yakho yomhlalaphantsi) kwiityalo-mali kunokuba i-akhawunti yokulondoloza inokukunceda ukwandisa ingeniso yakho yesikhathi esizayo . Ngomthetho we-72 , unokubala ukuba uza kuthatha ixesha elingakanani imali yakho ukuphindwa kabini kwinzala-mali inomyinge onomdla.
Ngokwahlula i-72 ngomlinganiselo wonyaka wokubuyisela, abatyali-mali bangafumana uqikelelo olunzima lweeminyaka emininzi eza kuthatha utyalo-mali olusisiseko ukwenzela ukwandisa ipesenti eziyi-100. Ngokomzekelo, uMthetho we-72 uthi i-$ 1 etyalomali kwi-10 ekhulwini iya kuthatha iminyaka engama-7.2 (72/10 = 7.2) ibe yi-$ 2. Akukho mntu uyityebi ngobusuku bonke, kodwa ukugcina lo mgaqo engqondweni kunokukunceda uqonde ukuba kuya kuthatha ixesha elide ukufumana ukubuyela okuphindwe kabini kutyalo-mali.
4. Inkqubo yeBhakethi. Inkqubo yebhakethi yindlela enye yokugcina imali enokukunceda ubone apho utyalo-mali lwakho luya khona kunye noko bayenzayo ukunceda umhlalaphantsi wakho.
- Enye ibhakethi. Iimali-Iimali-Igalelo kule bhakethi zityalomali kwiindidi ezahlukeneyo zeebhonki-Uvimba-mali, umashishini, umasipala, isivuno esiphezulu, i-TIPS, izinga lamazwe ngamazwe kunye nesantya. Bakukubonelela ngengeniso enomdla. Iphothifoliyo yezibophelelo ezifanelekileyo zimele zikhusele inqununu yakho. Ukwandisa ukubuyela kwakho ngexesha elide, kufuneka udibanise ngaphakathi kweli bhakethi.
- Bucket ezimbini. Amasheya-Ukukhula-Eli bhakethi liya kubamba iintlobo ezahlukahlukeneyo kubantu abakuzigaba ezahlukeneyo zobomi. Ukuba uneminyaka engaphantsi kwe-60 kwaye usasebenza, kufuneka uqikelele ukuba neengqolowa zokukhula. Ezi zizahlulo kwiinkampani ezinokukhula okukhulu, kodwa ngokuqhelekileyo, azihlawuli igalelo ezibalulekileyo. Ingqwalasela yabo kukuxabiso lokubonga ngokukhula kwemali.
- Bucket ezintathu. Iintlobo ezahlukeneyo zeMali-mali-Inzuzo eyimfuneko-Leli bhakethi elincinane kunazo zontathu. Ibeka iimali-mali ezingahambelani kakuhle kwiikhekethi ezingentla. Ngokomzekelo, leli bhakethi lithatha utyalo-mali kumagunya olawulo lwama-royal (amashishini athengiswa ngorhulumente kunye ne-gas trusts), i-trust trusts, ii-stocks, kunye ne-MLP stocks (iipayipi kunye neenkampani zokugcina amandla). Ezi zithengiswa njengezinto eziqhelekileyo kwiintengiso, kodwa abahlawulanga izabelo zendabuko okanye inzala-bahlawula ukuhambisa.
Khumbula, ukucwangcisa umhlala-phantsi kwangaphambili akuthethi ukuba ufanele ugxininise kuphela uxinzelelo lwezemali. Ukuthatha umhlalaphantsi kusenokwenzeka kufuneka ube ngumnqweno ovuyayo ukusebenzela ukwenzela ukuba ufumane umhlalaphantsi wakho.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.