Ezi ngcebiso zezemali mazibe nolwazi oluqhelekileyo kodwa azinjalo.
Vula i-akhawunti ye-HSA esikhundleni se-IRA
I-akhawunti ye-HSA okanye i-akhawunti yokulondoloza impilo ihamba kunye nenqubomgomo yomshuwalense ochithwe kakhulu, ngoko ke akuyona inketho kuwo wonke umntu.
Kodwa ukuba kwenzeka ukuba ube nomgaqo-nkqubo ophezulu, kungcono ukuba uhlawule i-HSA yakho ngamnye ngonyaka kunokuba i-IRA yakho. Ngoba? Ngenxa yokuba imali yakho iya kuhlawulwa irhafu kwaye iphuma ngaphandle kwentela kwiindleko zonyango ezifanelekileyo, kunye neendleko zonyango zininzi ngokuqinisekileyo kumhlalaphantsi. Kodwa ukuba usebenzisa i-IRA yokurhoxiswa, imali oya kuyifumana iyahlawulwa.
Thatha iPensheni Yakho NjengeNyaka, engekho Ingqungquthela
Akunzima kakhulu ukudala ispredishithi esilula kukukunceda ukuba ubone ukuba kufuneka uthathe umhlala-phantsi njengesixa-mali okanye ngendlela yokuhlawulwa kwemali . Kungaba nzima ukuvelisa umlinganiselo ofanayo wokufumana imali epheleleyo, kunye nengxowa-mali ekukhethiweyo.
Unokuqhathanisa iziphumo ezinokubakho kwezi zikhetho kwixesha lokuphila kwakho ukwenza isigqibo. Isicwangciso ngasinye siya kuhluka, ngoko akukho naluphi uhlobo olufanayo-olufanayo-wonke umyalelo. Uya kufuneka wenze uhlalutyo olusekelwe kukhetho lwakho lomhlalaphantsi olukhoyo, ubudala bakho kunye nesimo sakho somtshato.
Ungavumeli umntu ukuba akholise ukuba isamba semali siphumelele kude ude wenze izibalo.
I-Roth IRAs ifanelwe ukuBheka kwesiBini
I-Roth IRAs inokuthi ibe yintalo-mali enkulu kakhulu eyaziwa ngumntu ngezizathu ezininzi. Unako ukurhoxisa iminikelo yangaphambili naliphi na ixesha ngaphandle kweerhafu okanye isohlwayo. Imali ngaphakathi kwiRoth ikhula ihlawula irhafu.
Xa uthabatha iRhooth, i-distributions yeRoth ayithethi kwezinye iifomula zerhafu, njengaleyo inquma ukuba ubuninzi bakho boKhuseleko loLuntu luhlawuliswa okanye ngubani oya kubeka ingakanani imali kwi-premiums premium ye-Medicare Part B. Ngokungafani nee-IRA eziqhelekileyo, awunyanzelwanga ukuthatha isabelo kwiRoth kwi-70 / 1/2 yobudala. Fumana ukuba unelungelo lokufaka isandla kwiRoth IRA ngasentla kwaye ngaphaya kwemali nayiphi na umlinganiso womqeshi oyifumanayo, okanye ukuba umqeshi wakho unikeza i- Roth 401 (k) inketho .
Sebenzisa i-Index yemali
Usenokumangaliswa xa ufumanisa ukuba kukho into enye ongayibona ngayo ukuba ufumane i -funds jointly performing . Iindleko zezimali. Iimali ngeemali eziphantsi zivame ukugqithisa ukuhlawulwa kwamanani abo aphezulu, kunye neengcombolo zemali zineminye yemali ephantsi kakhulu kumashishini. Kutheni uhlawula ngaphezulu kwiqonga elifanayo leempahla okanye iibhondi xa unokuba ngumntu ongaphantsi?
Ukukhansela Umgaqo-nkqubo Womshuwalense Wobomi
Ubomi bomshuwalense kubalulekile xa umntu exhomekeka ngemali kuwe, kodwa ingeniso yakho kunye nengeniso yakho yomhlala-phantsi yomhlalaphantsi inokukhuseleka kungakhathaliseki ukuba kwenzekani njengoko usondele kumhlalaphantsi. Akunakudinga inshorensi yobomi ngeli nqanaba ngaphandle kokuba ufuna ukubonelela umntu emva kokufa kwakho.
Kulungile, kodwa kubalulekile ukwazi ukuba kutheni uhlawula into kwaye ugqibe isigqibo sokuba kulungile ukuchitha imali.
Thenga ii-Bonds, Hhayi i-Annuity Fixed
Iimbopheleleko zininzi ezihlukile kuma CD, imali yemarike yemali, kunye ne-akhawunti yokulondoloza. Ufumana umrhumo ohlawulwe intela, inzala ehlaziywe ngamanani emveliso kunye nokuthengwa okupheleleyo emva kokuba ube neenyanga ezili-12. Iibhondi azinakuzithengwa ngaphakathi kwe-akhawunti ye-brokerage ukuze umcebisi wezemali azinako ukuhlawulisa okanye ukuthengisa imali. Yingakho ungayiva ngezinye iinkcukacha. Eyona nto ibalulekileyo: Iimbopheleleko ngenye yezona zimali ezikhuselekileyo onokuzenza.
Ukhuseleko Lentlalo Unokukwenza Imali Engakumbi
Ukwenza isigqibo esicacileyo nangenolwazi malunga nokuba uqalise nini inzuzo yakho yoKhuselo loLuntu kunokuncedisa "ukubuyela" kwingeniso yakho yonke yomhlalaphantsi kunokuba umcebisi-mali uya kuba.
Sichitha ixesha elingakumbi kwiCwangciso loKhuseleko loLuntu kunye nezinye iindlela zokucwangciswa kwemali kunye nexesha elincinci kuhlalutyo lotyalo-mali kwaye uya kuphelisa ngemali eninzi.
Amasheya angeke aphephe kwixesha elide
Ininzi yamagrafu kunye namashadi abonisa ukuba izitokisini azizithobeki kangangexesha elide. Imarike yemasheya inokukhuphuka kuma-40 ekhulwini okanye ihla i-40 ekhulwini kwithuba lonyaka, kodwa ukubuya kunokwenzeka ukuba kuvela kwi-low-zero ukuya kwi-2 ekhulwini ukuya kuma-10 ukuya kwe-14 kweepesenti ngaphezu kweminyaka engama-20. Oko okukhethiweyo kunye negrafu akukuxeleli ukuba izifuba zingenakho ukubuyisela phezulu kunezinye iindlela ezikhuselekileyo kwixesha elide elide elineminyaka engama-20. Mhlawumbi abayi kukulahlekelwa yimali, kodwa oko akuthethi ukuba baya kukhangela ukhetho olungenamngcipheko. Abantu bacinga ukuba izitokisini ziya kuhlala zizisa imbuyekezo ephezulu xa unabo ixesha elide, kodwa le ngcamango ayinyani.
Hlela kwakhona i-Investment yakho ukuba ibe neRhafu engaphezulu-efanelekileyo
Abacebisi abaninzi bezezimali baya kulawula i-akhawunti enye kunokuba bajonge yonke i-akhawunti yakho yokutshala imali ngokubanzi. Ngokomzekelo, unakho u-401 (k) kunye ne-akhawunti engenayo imali yomhlala-phantsi eyabanjwe ngumcebisi. Uyakwazi ukulawula i-akhawunti yakho engeyiyo yomhlala phantsi ngaphandle kokuqwalasela i-401 (k) yakho, kwaye uza kufumana i-1099 ngonyaka unika ingxelo yengeniso kunye neengeniso-mali kule akhawunti.
Kodwa ngamanye amaxesha utyalo-mali luya kulungiswa ukuba lube lukhulu lweerhafu . Ingayenza ingqiqo-bulumko yokufumana iimbophelelo ezingaphezulu kwi-401 (k) iakhawunti kunye nokunyuka kwe-investments yakho engekho 401 (k). Xa unama-akhawunti amaninzi afana ne-IRA, 401 (k) kunye nokugcinwa komhlala-phantsi, zikho izizathu ezininzi zokujonga ulwabiwo-mali lwakho ngokubanzi kunokuba nganye kwi-akhawunti nganye.