Yenza Ukunqunyulwa Kwetyala liPhambili
I-20 yakho yinqanaba elibi kakhulu lobomi. Kuya kuba nezinto ezininzi zetikiti eziza kubhalwa ngexesha elinye. Ukuboleka kwemali yabafundi ukukhaba, ungase ukhangele ukuthenga indlu yakho yokuqala okanye ikhaya (kwaye unikezele!), Mhlawumbi kukho umtshato ekugqibeleni, mhlawumbi nabantwana. Kuninzi ukuhlawula kulokho kubonakala ngathi lifutshane ixesha. Nangona uziva uselula (kwaye unjalo!), Sekuyisikhathi sokuqala ukuhlanganisa isicwangciso semali.
Indawo engcono kakhulu ukuqala kukugqiba ekubeni uya kuphelisa ityala elininzi ngangokunokwenzeka. Khumbula, ukuphuma kwetyala ngoku kuya kukumisela kwikamva elikhuselekileyo. Kusoloko ilungileyo ukuqala namhlanje ngokulindela ngomso.
Isicwangciso sakho semali asiyidingi ukuba sibe nzima kakhulu kwaye kufuneka sithathe isimo sengqondo esilula, esicacile sokuhlaselwa. Ukuze uzibekele uphumelelo olufanelekileyo, qi niqiniseke ukuba uquka ezi zinto ezibalulekileyo kwisicwangciso sakho:
1. Kucima ityala. Into engcono kakhulu ongayenzayo kwiminyaka yakho-20 kukuba uhlanganise " ukuphuma kwetyala " isicwangciso senzo. Yenza uluhlu lwawo onke amatyala akho ukusuka kwincinci ukuya kwelona likhulu. Oku kuquka nayiphi na ikariti yekhredithi kunye netyala lekholeji. Ukuhlasela abancinci kuqala, ngale ndlela uza kubona inkqubela. Emva koko ubahlasele omnye ngomnye, ade ahambe.
2. Ukuqonda indlela umsebenzi wakho ochaphazela ngayo utyalo-mali. Khangela umsebenzi wakho njengokuba ungayifumana isitokisi okanye i-bond.
Enye indlela ingaba yingozi kakhulu ngemiphumo ephezulu. Enye indlela ingaba yindawo ephephile, inokuqikelelwa ngakumbi, kwaye izinzile. Oku kufuneka kukuchaphazele indlela osebenzisa ngayo utyalo-mali. Yenza umngcipheko wakho wotyalo-mali ngokuchasene nomngcipheko wakho wemisebenzi Ukufumana ezinkulu, ukubetha okanye ukuphosakela imisebenzi yolu hlobo njengempahla yokuthengisa impahla, iqinisekisa ukuba utyalo-mali olusisigxina.
Ootitshala besikolo esiphakathi okanye oongikazi kufuneka bajonge umsebenzi wabo kunye nokuhlawula njengokhuselekile kunye nokunyaniseka, ukwandisa inani lomngcipheko onokuthatha kwi-portfoliyo yabo yokutshala imali.
3. Qiniseka ukuba uyasindisa kwingxowa-mali yakho yexakeka. Njengoko uhlawula phantsi kwetyala lakho, uya kufuna kwakhona ukuqinisekisa ukuba uyasindisa kwingxowa-mali yakho yongxamiseko . Injongo kukuba neenyanga ezili-6 ukuya kwezi-12 zemali ukugubungela zonke iindleko zezobomi xa kwenzeka isiganeko esiyingozi njengokulahlekelwa ngumsebenzi. Ingxowa-mali yexakeka ngokukhawuleza ukuze ungagcini kwenye imali okanye uhoxise imali kwi-401 yakho (k). Ngaphezulu, i-fund yakho engxamisekileyo iya kukunceda ulale ubusuku obuhle.
4. Qalisa ukutshala imali ngekamva lakho. Akukaze kusondele kakhulu ukuqala ukutshala imali nokugcina. Emva kokuba ugcine imali yakho yesikhwama sokuxakeka kwi-autopilot, ngoko uqala ukufaka inxaxheba kwi-401 yakho (k) . Nangona awukwazi ukwenza umnikelo omkhulu, khumbula ukubaluleka kokuhlanganiswa kunye nokuba imali yakho iya kukhula ngexesha elide. Qala ngeminikelo yakho kwi-401 (k) ukuya kwisixa esiza kuhamba ngayo nenkampani yakho ukuba kunokwenzeka. Khumbula, le nto ikhululekile kuwe, ngoko-ke uyisebenzise! Ukujonga ngokulandelayo utyalo-mali kwiRoth okanye i-IRA yendabuko. Ukongezelela, kukho inamba yeenkonzo ezintsha zokucebisa ngezezimali ezisekhompyutheni kwimeko ngoku ihambisa imali ephantsi.
Kungenzeka kube yithuba elifanelekileyo lokujonga enye.
5. Khumbula ezi 4 zitshixo zokutyalo-mali: ukudibanisa, ukwabiwa kwempahla, nokugcina iirhafu kunye neerhafu eziphantsi. Indlela ephumelelayo yokwenza oku kuhamba nge-Exchange Traded Funds (ETFs). I-ETF iyisithuthi sotyalo-mali esingafezekisa zonke ezine ezi njongo.
6. Qinisekisa ukuba uneshuwarensi efanelekileyo. Ininshurensi ibandakanya ukunakekelwa kwezempilo, inshorensi yobomi kunye ne-inshorensi yokukhubazeka Zizo zonke izinto eziyimfuneko zokunyamekela okwangoku, kwi-20 yakho. Ukuba awufihliwe ngumqeshi wakho, thetha nomcebisi ukukunceda uhambe nge-inshorensi yamanzi.
Khumbula: Okongeziweyo okwenzayo namhlanje, kunye nemibingelelo ongayenzayo namhlanje ukuba ube nemali yokugcina imali, ngakumbi uya kuba nako ukuxhaswa ngamathuba kwixesha elizayo.