Iseluleko seMali ebalulekileyo kubatsha-mali abatsha
Xa kuziwa kutyalo-mali, ixesha lakho ngumhlobo wakho omhle. Ikunika ithuba lokukhwela kwehla kwiimarike nokwakha iphothifoliyo yakho ukuba ininzi imali xa izinto ziphakanyisiwe kwakhona. Kodwa ngokuqhelekileyo, sibona abantu abaselula abashiya imali yokugcina iminyaka yabo yomhlalaphantsi. Kunzima ukucinga ubomi bethu iminyaka engama-40 okanye engama-50 kwixesha elizayo kwaye ukungabi nolwazi okanye ukuqonda kwimarike yemasheya kungenza utyalo-mali luyike.
Nangona kunjalo, ekuqaleni uqala, ixesha elongezelelweyo lokulondolozwa kwakho kuya kufuneka likhule kwixabiso kwaye ngokubanzi uza kufezekisa iinjongo zakho zokutyalomali. Yingakho sibeke ndawonye iingcebiso ezimbalwa ezibalulekileyo zokutshala imali abantu abanamava amaninzi kwihlabathi lezezimali kufuneka bahlale bekhumbula xa beqala.
1. Qala Ukulondoloza Umhlala-phantsi Ngomsebenzi Wakho Wokuqala
Ukuphuma kwi-401 (k) isicwangciso esinikezwa ngumqeshi wakho yindlela efanelekileyo yokuphucula umhlala-phantsi wakho ngenxa yezizathu ezininzi. Okokuqala, iminikelo yentsingiselo engaphambili yentlawulo iphuma kwi-paycheck yakho phambi kwentlawulo yokunciphisa ingeniso yakho engenayo yonyaka. Inkampani yakho inokubonelela ngeprogram ehambelana nomrhumo wakho kwi-401 (k) ngokuqhelekileyo ifanisa ukuya kuma-6 eepesenti yomvuzo wakho. Ekugqibeleni, i-401 (k) izicwangciso zinikezela ngeendlela ezahlukeneyo zotyalo-mali ezijoliswe kwi-investing investment.
2. Gwema iMida yoLuhlu lweZiThoba ezisixhenxe xa Utyalo-mali
Ukuba awuzange ungene emhlabeni wezitokisi kunye nezibophelelo ngaphambili, ukhetho lokutshala imali lunokubonakala lunzima.
Iindaba ezilungileyo ukuzinyameka kwezemali zakho kunokuphucula kakhulu ngokukhokelwa ngumcebisi wezezimali okanye umthengisi ngelixa ugcina iindleko ubuncinci. Ukuhlawula imali eninzi kuninzi akuyi kunceda usebenziso lwakho lotyalo-mali emva kwexesha. Ngoko, njengoko ukwakha iipotifoliyo zakho zokutshala imali, qiniseka ukuba ubukele kule mali elandelayo yokuhlawula imali:
- Iimali zeMutual Fund
- Izigwebo zokuTyala kwiMatual Fund
- IiKomishoni zoRhwebo zoRhwebo
- Iindleko zokuPhathwa kweMatual Fund zangaphakathi
- Imirhumo yoLawulo lweMpahla
- Ukukhangela kwiiBond kunye neNew Issue Securities
- Imali eyi-12b-1
Kuhlala kubalulekile ukubuza umcebisi wakho malunga neerhafu zabo kwaye uyaziswa ngazo zonke iindlela ohlawula ngayo inkonzo yabo.
3. Yenza igalelo rhoqo
Zama ukufaka ipesenteji ekhethiweyo yakho yokuhlawula nganye nyanga kwi-akhawunti yakho yokutyalomali. Ukuba wenza oku kwangoko, awuyi kuphona imali. Ukunikela rhoqo kwiakhawunti yakho kuseka uqeqesho oluhle lokutshala imali kuwe, ngaphezu kokuncedisa imali yakho yokuphila kwithuba.
4. Gcina iPortfolio kwaye uthabathe ezinye iingozi
Yonke into ebomini iqulethe umngcipheko othile kwaye oku kuyinyani ngakumbi xa kufikelele ekutyalweni. Nangona i-akhawunti yokulondoloza yindlela efanelekileyo yokubamba ubutyebi kwixesha elizayo akuyi kukhula ngokubanzi ukuze utyalomali kwi-equities ngenkathi usemncinci. Oku kunceda ukwandisa ukugcina kwakho kwaye kukuvumela ukuba uthathe umngcipheko omkhulu kumvuzo ophezulu kunokuba utyalo imali kuphela kwiibhondi.
Khumbula, ungafaki onke amaqanda akho kwibhaksi enye! Ukubamba iphothifoliyo eyahlukeneyo yamasheya, amabhondi kunye nezinye izinto ezibonakalayo kumacandelo amaninzi eemarike zinciphisa iingxaki zakho zokulahlekelwa ngetoni yemali.
5. Ungalokothi uthathe amaKhankaso okuPhumela kwi-401 yakho (k)
Gcina ukhumbule ukuba injongo ye-401 (k) ukugcina umhlalaphantsi. Ukuba uthabatha imali kuso ngoku ubeka ingozi ekusebenziseni ubutyebi ngexesha lokuphila kwakho kwithuba. Ukuba oko akunakukukholisa, qwa lasela iindleko eziza kutshintshwa kwangaphambili. Ngokomzekelo, ukuba unayo i-$ 10,000 kwi-akhawunti yakho kwaye usekhokheni yeerhafu engama-25, uza kulahleka i-$ 2,500 kwiirhafu, kunye nokuhlawula esinye isohlwayo se-$ 1,000 sokuphula imali phambi kokuba ufike kwiminyaka yobudala engama-55. (IRAs, Isohlwayo sokuqala sokurhoxisa sisebenza ukuya kwiminyaka yobudala engama-59 / 1/2, kunye nokunye okungafaniyo.) Ezantsi: I-$ 10,000 yakho iyancipha ukuya kuma-6 500.
Ukulungiselela ukuphuthuma kwezilwanyana ezingxamisekileyo ezingalunganga ukulungiselela ngokufaka imali ngemali kwingxowa-mali engxamisekileyo. Ukwenza izinto zibe lula, ukuguqula ngokuzenzekelayo isahlulo sakho sokuhlawula kwi-akhawunti yokulondoloza ngaphezu kwe- 401 (k) okanye iminikelo ye-IRA .
Ngokuqeqeshwa ngokwaneleyo nolwazi lwesicwangciso sakho sokutyalomali, unesimo esifanelekileyo sokwakha iqanda elibalulekileyo lokuthatha umhlalaphantsi. Gcina iliso kwipotfoliyo yakho yokutshala imali, ukulungelelaniswa xa kufuneka, kwaye qi ni sekise ukuba ii-commissions kunye neentlawulo zokutyalomali ziphantsi. Qala utyalo-mali ngokukhawuleza ukuba unike ixesha lakho lokutshala imali ukuze wakhe ixabiso kwaye ekugqibeleni, ungayeki ukufunda okumalunga nokutyalomali. Xa uyazi ngakumbi, ithuba elihle ukuba uvelise umvuzo omkhulu. Ukubopha konke oku kunye ngokugcina rhoqo, ukutshintsha iipotifoliyo zakho zotyalo-mali , nokwamkela ukuthathwa kwengozi njengenxalenye yehlabathi lokutshala imali kwaye uhamba ngendlela efanelekileyo yokuba ngumtyalo-mali ohlakaniphile.