Indlela Inomdla Ekhuselekileyo Inokusenza Ubutyebi Ngezimali Zentengiso
Ngokwemigaqo elula, umdla wokwenza umlinganiselo uthetha ukuba uqala ukufumana inzala ngenzuzo kwimali yakho engenayo, obangela ukuba imali yakho ikhule ngezinga elikhawulezayo.
Ngamanye amazwi, ukuba unayo i-$ 500 kwaye ufumene i-10% kwimali, unayo i-$ 550.
Emva koko, ukuba ufumana i-10% yemdla kuloo nto, ugqibe nge-$ 605. Kwaye njalo njalo njalo uze ube nenani elikhulu lemali.
Yisizathu sokuphumelela kwawo wonke umntu kwiluhlu lwe-Forbes 400, kwaye nabani na onokuyisebenzisa inzuzo ngeprogram yokutyalwa kwemali. UBenjamin Franklin wayedumile ekuchazeni abantu ukuba yayiyindlela engcono kakhulu ayesazi ngayo ukufumana ubutyebi .
Izinto EziThathu eziMisela iNkcazo Yakho Yomdla
Izinto ezintathu ziyakuchukumisa izinga apho imali yakho ihlanganiswa khona . Zezi:
- Inzala enomvuzo oyifumayo kwi-investment yakho, okanye inzuzo oyifumanayo. Ukuba utyalo-mali kwiimpahla , le nto iya kuba yinzuzo yakho yonke kwimali eyinzuzo kunye negalelo .
- Ixesha. Imali yakho ingasakwazi ukuhlala ingaphazamiseki, inkulu yakho inokukhula. Akunjalo ukutshala umthi. Ngokuqhelekileyo, umthi uya kuba mkhulu xa uneminyaka engama-50 ubudala kunokuba wawuneminyaka engama-20 ubudala.
- Intlawulo yentlawulo , kunye nexesha lokurhafisa irhafu, kufuneka uhlawule urhulumente. Uya kugqiba ngemali engaphezulu xa ungenayo ukuhlawula irhafu kuwo onke, okanye kude kube sekupheleni kwexesha elixakile kunokuba uphele ekupheleni konyaka. Yingakho ii-akhawunti ezifana ne- Traditional IRA okanye i-Roth IRA , 401 (k) , i-SEP-IRA, kwaye loo nto ibaluleke kakhulu.
Inzala kunye nexabiso lexesha lemali
Umxholo wenzalo yenkomfa yisiseko sexabiso lexabiso lemali , elichaza ukuba inani lemali liguquka kumntu kuxhomekeke kulo xa lufunyenwe. Ukufumana i-$ 100 namhlanje kulungele ukufumana i-$ 100 iminyaka emininzi ukususela ngoku. Emva kwakho konke, ukuba unayo ngesandla sakho ngokukhawuleza, unako ukutyalomali ukuze wenze igalelo kunye nemali engenayo . Emva koko, ungayichitha kwizinto ozifunayo, unokuhlawula phantsi ityala lakho ukunciphisa iindleko zakho zemali, okanye ungayinika inceba. Ngokuhlehliswa kokufumana i-$ 100, ulahlekelwa yinto ethile yezoqoqosho iindleko zexesha lokubiza umnxeba.
Xa ufunda malunga nexabiso lexesha lemali , uya kufunda iifomula ezibonisa indlela yokubala inzala. Oku kuya kunika amandla ukuphendula imibuzo efana nale nto, "Ukuba ndifuna i-$ 1 yezigidi ukuhlala phantsi kweminyaka engama-30 ukususela ngoku, kwaye ndinako ukugcina i-$ 800 ngenyanga kwaye ndifumane i-8% ngonyaka kunyaka lwam, ndingayi kufinyelela iinjongo zam?" okanye "Ndibeka i-$ 12,000 ngonyaka ngeminyaka eguquguqukayo endiyilindeleyo ukuba ndifumane i-7% kwiminyaka eyi-18. Ziza kuba zixabisa kangakanani, xa ndikulungele ukuhlawula imali?"
Iziphumo Zomdla Eziqinileyo Ngethuba
Indlela efanelekileyo yokuyiqonda le ngqiqo ukuyibeka kwitafile yenzalo ebonisa ukuba ubukhulu bakho bunokuncedwa njani, okanye ukuphazamiseka, ngeenguqu ezincinane kwixesha.
Cinga ukuba unomtsalo-mali obeka eceleni isamba semali eyi-$ 10,000. Khangela ingqalelo kwitekti yenzalo ekwiphepha lephepha ukuze ubone impembelelo yexesha kunye nezinga lokubuyisela kwisityebi sakhe esiphezulu. Emva kokuba uqonda oku, kuyacaca ukuba ukugcina imali yedwa akucacisi ukuba kutheni abanye abantu banenzuzo enkulu kunabanye.
Ngokomzekelo, umntu oneminyaka engama-20 ubudala onotyala i-$ 10,000 namhlanje kwaye uyifake kwiimali-mali ze-Nondyebo, efumana u-4% ngokuqhelekileyo kwiminyaka engama-50 ezayo, uzakufumana i-$ 71,067 xa kuthengwa kwenziwe nge -akhawunti engenakho irhafu efana ne- akhawunti . Roth IRA . Ukuba wayenotyalomali kwiimpahla kunye ne- estate , ekufumaneni i-12% yesilinganiso sembuyekezo yokubuyela ngethuba elifanayo, uza kuba ne $ 2,890,022. Ukongeza iiklasi ze-aseset eziphezulu ziza kubangela imali engaphezu kwama-40 ngaphezulu kwemali ngenxa yamandla enzala.
Ukuba oko akukuqinisekisi ukuba ukuthatha ixesha lokufunda kunye nokuqonda ukutyalwa kwemali kulungele umzamo, andazi ukuba akukho nto iyakwenza.
Musa ukuxhamla kwisilingo sokufumana ukubuyiswa okuphezulu ngeengozi eziphezulu
Ukhangele kwi-chart yenzalo kwaye unokufuna ukwenza nantoni na eyenzayo ukuze ufumane umgangatho ophezulu wokubuyela-kule ngxaki, i-16%. Oku kunokuba yingozi. Ngaphandle kokuba uyazi into oyenzayo, kungakhathaliseki ukuba uphumelele kangakanani endleleni, uhlala ufuna ukuphepha ukulahlekelwa konke ukugcina kwakho. Kwi-finance, i-20%, i-40%, i-60% ebuya kwiminyaka yokuqala iyinkulu, kodwa ukuba kukho i-80%, -90%, okanye i--100% apho nawuphi na umdlalo ngenxa yokuba uya kulahlwa . Ngaphandle kwemali, awukwazi ukwenza utyalo-mali oluya kukhula emva koko.
UBenjamin Graham , owaziwa ngokuba nguYise woLondolozo lweNtengo, wayeyazi loo mngcipheko xa wathi imali elahlekileyo ilahlekile ifikelele ukubuyela okufutshane okanye isivuno kunokulahlekelwa ukucinga. Wacetyisa ukuba ngenye yezilingo ezinkulu kunazo zonke abatyala-mali abajongene nayo xa kwakhiwa iphothifoliyo .
Iimpawu zeNkcazo eziCwangcisiweyo - Ixabiso le-R10 000 elityelwe kwiSump Sum
| 4% | 8% | 12% | 16% | |
| Iminyaka eyi-10 | $ 14,802 | $ 21,589 | $ 31,058 | $ 44,114 |
| 20 iminyaka | $ 21,911 | $ 46,610 | $ 96,463 | $ 194,608 |
| Iminyaka engama-30 | $ 32,434 | $ 100,627 | $ 299,600 | $ 858,500 |
| 40 iminyaka | $ 48,010 | $ 217,245 | $ 930,510 | $ 3,787,212 |
| 50 iminyaka | $ 71,067 | $ 469,016 | $ 2,890,022 | $ 16,707,038 |