- Ipesenti yeempahla abaphatha ngayo egameni lakho, ngokubanzi naphi na 1% - 2% ngonyaka. Iimpahla ezingaphezulu, unomvuzo ophantsi.
- Iikhomishini ezihlawulwa zona ezivela kwimali okanye ngempahla ye-inshurensi oyithengayo.
- Ukuhlanganiswa kwemirhumo kunye neekomishini ngamanye amaxesha abizwa ngokuthi "umrhumo-mali."
- Ireyithi yehora.
- Imirhumo yentlawulo epheleleyo ukugqiba iprojekthi ethile.
- Imirhumo yekota okanye yokugcina.
Iinkcukacha nganye kwezi zikhetho zentlawulo zihlanganiswe ngezantsi.
Ipesenti yexabiso leAkhawunti
Le ngenye yeendlela eziqhelekileyo ukuba umcebisi wezemali, okanye umcebisi-mali, uya kuhlawula.
Xa uqesha umcebisi ohlawulelwa ngale ndlela, kubalulekile ukuqonda ukuba ngaba banikezela ulawulo lotyalo-mali kunye nocwangciso lwezemali, okanye ulawulo lotyalo-mali. Lindela ukuhlawula umrhumo ophezulu xa bebonelela ngenkxaso-mali ngokugcwele kunye nolawulo lotyalo-mali.
Uyakufuna kwakhona ukubuza umcebisi othe wenziwa ngamatyala ngale ndlela ukuba ngaba ahlawulwa imali kuphela okanye i-fee-basis based. Abacebisi bodwa abahlawulwa ngeemali banakho ukusebenzisa iindleko eziphantsi kweendleko kwiakhawunti yakho, ukunciphisa iindleko ezipheleleyo ozihlawulayo. Abacebisi abaxhomekeke kwiintlawulo banokukwazi ukuqokelela ama-commissions, ngaphezu koko, intlawulo yepesenti ehlawulwa kwii-asethi.
Ngepesente ye-asethi isivumelwano sokuhlawula njengoko ixabiso lakho le-akhawunti likhula, umcebisi uya kwenza imali. Ukuba inani lakho le-akhawunti lihla, baya kwenza imali encinci. Ngale ndlela, banokukhuthaza ukukhulisa iakhawunti yakho nokunciphisa ilahleko.
Abathengi abaninzi banjengolu hlobo njengoko iintlawulo zihlawulwa ngokufanelekileyo kwiakhawunti ngoko akukho ngcaciso kufuneka ibhaliwe kwaye iifowulini akufuneki ukuba ziphume kubhajethi yenyanga.
Kwaye iirhafu ezivela kwii- IRA zihlawulelwa ngeedola zerhafu ezingenakuhlawulwa.
Imirhumo yolawulo lweefayili yexabiso leempahla ingahlawulela kwi-2.0% ngonyaka ngecala eliphezulu .50% ngonyaka ngecala eliphantsi. Ngokuqhelekileyo izinto ezininzi onayo, umrhumo ophantsi.
Abanye abacwangcisi baye bezahluka ngeendlela ezikhethiweyo kule ndlela yokuhlawula, njengabacwangcisi abahlawula ipesenti yexabiso elifanelekileyo (ngenjongo yokukunceda ukwandisa ukubaluleka kwakho), okanye ipesenteji yokufumana ingeniso engaphezulu (ngenjongo yokunika iingcebiso ngomsebenzi ukukunceda ukwandisa ingeniso yakho).
Uninzi lweenjini zokukhangela umcebisi nge-intanethi likuvumela ukuba ukhangele ngeendlela ezikhethekileyo njengoluhlobo lwesakhiwo sentlawulo abacebisi basebenzisa.
2. iiKomishoni
Le ngenye yeendlela eziqhelekileyo ukuba umthengisi wezezimali ahlawulise iinkonzo zabo. Abanye bala bantu bacebisi ngezezimali; abanye bangabathengisi abalungileyo. Iingcebiso zabo zingathonyelwa yindlela abahlawulwa ngayo.
IiKhomishoni zinokuthatha ifom yokuthengiswa kokugqibela ekuthengisweni kwesikhwama sokubambisana, ukuhlawulwa kwentlawulo kwi-annuity okanye iikhomishini kungahlawulwa ngqo kumcebisi kwinkampani yotyalo-mali, njengokuba kuthengiswa abantu abaninzi abangaboni REIT ezithengiswayo.
Buza inkcazo ecacileyo yendlela umcebisi wakho ehlawulwa ngayo, kwaye ngokuthe ngqo ukuba baya kuthatha ntoni xa uthengisa iimali-mali okanye iimveliso ze-inshorensi ezicebisayo.
3. Udibaniso lweeMali kunye neeKomishoni
Abacebisi abaninzi namhlanje banokuqokelela iifizi kunye neekomishoni. Ngokuqhelekileyo basebenzisa i-term based fee. Kubalulekile ukuqonda umahluko phakathi komcebisi-kuphela umcebisi, kunye nomcebisi-mali-based based. Abacebisi bodwa beemali abakwazi ukuqokelela ii-commissions.
I-NAPFA, uMbutho kaZwelonke weeNgcebiso zezeMali, u-copyright wabo "i-fee-kuphela" logo kunye nabacebisi beelungu kufuneka bahambise amaxwebhu baze bafunge ukuba abasithengisi nayiphi na imali-mali okanye i-inshorensi. I-NAPFA ingaba luncedo olukhulu ukusetyenziswa ukuba ufuna umcwangcisi-mali kuphela okanye umcebisi-mali.
4. Ireyithi yeeyure
Le nto ingaba yindlela ephezulu yokuhlawula iingcebiso zezimali ukuba uzimisele ukuphumeza le ngcebiso ngokwakho.
Umzekelo, unakho ukuhlawula umcebisi wezezimali ngehora nganye ukuxelela indlela yokwabela utyalo-mali kwisicwangciso sakho se-401 (k). Emva koko uza kuba noxanduva lokwenzela utshintsho olucebisayo.
Ekubeni umyinge weeyure awuhambelani nexabiso lentyalo-mali, okanye iveliswe ngokuthengwa nayiphi na imali-mali, unokuqiniseka ukuba uya kufumana icebiso leengcebiso.
Njengamagqwetha, okanye iingxelo-mali, iirhafu zeeyure ziyahluka ngokubanzi ukusuka kumcwangcisi wokucwangcisa. Lindela ukuhlawula umlinganiselo ophezulu weeyure kubacebisi abanamava, okanye abacebisi abaneendawo ezizodwa. Amanani aphantsi aya kuhlawulwa ngabacebisi abangaphantsi kwamava.
Ukufumana umcebisi ohlawula ireyithi yehora ukujonga iNgcaciso yeNgcaciso yeGarrett enikezela ngenkonzo yokukhangela ukuxhuma kunye nenethiwekhi yabo yabacwangcisi abacebisa ngeengcebiso ngeyure nganye.
5. Iifama ezithethileyo zokugqiba iprojekthi ethile
Xa udinga iphrojekthi ezalisweyo, njengecebo lokuqala lokuthatha umhlalaphantsi , kuya kunengqiqo ukuhlawula umrhumo wendleko ukuze umntu ahlambele amanani, kwaye akuncede uqonde zonke izinto ezihambayo eziya kudala isicwangciso sokuthatha umhlala-phantsi ochanekileyo.
Ekubeni umrhumo ongezantsi ungabandakanyiswa kwixabiso lokutyalomali, okanye uveliswe ngokuthengwa kwanoma yiyiphi intsha-mali, unokuqiniseka ukuba uya kufumana icebiso leenjongo.
Intlawulo kufuneka icatshulwe ngaphambili, kunye nenkcazo ecacileyo yento eya kunikwa loo ntlawulo. Buza ukuba ngaba iintlanganiso zokulandela okanye iimbuzo zifakiwe.
6. Umrhumo wokuhlawula
Ukuba unesimo esiyinkimbinkimbi, njengento eqhubekayo yokuthengiswa kwezinto, i-shishini elincinci, izakhiwo zokuqashisa, okanye uncedo lwemali engenayo rhoqo kwi-investments yakho, ngoko unokuzuza ngokuhlawula iingcebiso eziqhubekayo.
Ekubeni imali yokugcina imali ingabandakanyiswa kwixabiso lentyalo-mali, okanye iveliswe ngokuthengwa nayiphi na imali-mali, unokuqiniseka ukuba uya kufumana icebiso leengcebiso.
Emva kokufunda malunga nobunzima beemeko zakho, umcebisi unokukuxelela okokuba imali yakho yokugcina i-quarterly okanye yaminyaka yonke iya kuba yintoni, kwaye yiziphi iinkonzo ezifakwe kule ntlawulo. Isivumelwano esibhaliweyo esichaza imali kunye neenkonzo zihlala zibonelelwa.
Ndingazi njani Njani Umcebisi wam Investment Will Pay?
Njalo ubuze umcebisi wezemali ngenqaku elicacileyo lokuba baya kuhlawulwa njani ngaphambi kokuba ubaqeshe. Lo ngumbuzo omnye ofuna ukuwubuza nawuphi na umcebisi wezezimali okhoyo. Khangela impendulo ethembekileyo, ecacileyo kunye nokucaca kubantu abazama ukuphepha umbuzo, xelela ukuba ungakhathazeki malunga nokuba uncedo lokuba iinkonzo zikhululekile.
Kwakhona phawula, kweli nqaku, ndisebenzisa igama lomcebisi wezezimali, umcebisi-mali, kunye nomcwangcisi wezemali, kodwa isihloko somntu singenakho ukunika umfanekiso ochanekileyo wenkonzo abonelelayo. Uya kufuneka ucele imibuzo ukuze ufumane uhlobo locwangciso okanye iingcebiso ababonelela ngazo.