Imithetho Yokufumana Imali Yakho Ku-401 (k), i-IRA okanye iSicwangciso soMhlala-phantsi
Unokuhoxisa ngaphaya kangakanani okanye uthathe ekuqaleni? Liliphi izinga lokurhoxiswa kwexesha elikhuselekileyo kangangokuba awuyi kuphucula imali yakho, kodwa ukhulule ngokwaneleyo ukuba uyonwabele ukugcina ubomi bakho kunokuba uyigcine?
Kwakhona, qwalasela oku: Isicwangciso sakho sokulondoloza umhlala-phantsi asipheli xa uqala umhlalaphantsi wakho. Le mali isenalo ithuba lokukhula njengoko uqala ukurhoxisa imali ukuze uncede ukuhlawula iindleko zakho zokuhlala. Kodwa izinga apho liya kukhula liyancipha njengoko uthabatha imali. Ukulinganisa izinga lokurhoxa kunye nezinga lokukhula liyingxenye yesayensi kunye nobugcisa bokutshala imali.
Umlinganiselo okhuselekileyo we-401 (k) Ukurhoxiswa
Abacebisi abaninzi bezezimali bacebisa ukuba "ulawulo lwe-4%" njengesigqeba esisisiseko sokuqala xa uvavanya ukuba ungayifumana phi iakhawunti yakho yomhlala-phantsi ngaphandle koyiko lokulondoloza imali yakho. Oko kukuthi, unako ukuhoxisa u-4% ngonyaka kwaye ugcine ukhuseleko lwemali. Uphando oludumile kuma-1990s nguBill Bengen lubonise indlela izinga lokuhoxiswa kwe-4% ngaphezu kweminyaka engama-30 elinemiphumo engcono yokuphumelela njengoko lilungelelanise ukunyuka kwamaxabiso. Kodwa iinguqu ezininzi zinokwenza le pesenti ye-rule-of-thumb iyalondoloze okanye ingozi kakhulu.
Kukho abo bangakuxelela ukuba izinga lokuhoxiswa kwe-7% likhuselekile, abanye bathi ukhuseleko oluchanekileyo lusondele kwi-2%, ngakumbi kunyaka wokuqala okanye kunjalo. Njengazo ezininzi izisombululo zemali, impendulo ixhomekeke kuwe. Ubomi bakho obude , ukusebenza kotyalo-mali, ubuninzi obufunekayo ukuhlangabezana neendleko, iqabane lakho, ukhuseleko lwezeNtlalo , umsebenzi wesibini, njalo njalo.
Ukuthelekisa, jonga ukuba ingaba u-4% wenqanaba lokuhoxiswa liza kubalwa ngokulondolozwa kwakho, kwaye uhlengahlengele ukusuka apho. Ungakwazi ukuqhuba izibalo zakho zokuthatha umhlalaphantsi ukuze ufumane ingqiqo yento oyakuyifuna kunye noko unokukwazi ukuyibala. Kukho amaninzi amanqaku abasebenzisi abaqeshwe ngomhlalaphantsi kwiWebhu. Kodwa njengoko usondelene nomhlalaphantsi, kuluvo oluhle ukufumana iingcebiso kumsebenzi wezezimali ezingabandakaliyo.
Utyalo-mali kwi- Period yakho yokuLawula umhlalaphantsi
Isicwangciso esiqhelekileyo sokunikezela ngaphezulu kwipotfoliyo kwiimali-mali ezingenakunjelo-mali njengoko uhlala kufuphi nomhlalaphantsi. Ingeniso ekhompyutheni ingabhejwa ngokukhuselekileyo, ewe, kodwa inokukunceda ukutshintsha iphothifoliyo yakho kwindawo ekuvelisa ngayo ingeniso kunokuvelisa ukukhula. Utyalo-mali luvelisa igalelo okanye inzala, kungekhona nje iimbophelelo kodwa izitokethi, i- real estate , kunye nezinye iintlobo zeefa zihlawula umvuzo okanye umlinganiselo ongenayo . Ngokufanelekileyo, ungasebenzisa loo ntlawulo ukuze uhlawule iindleko zokuphila ngaphandle kokuthintela inqununu okanye inani lokuqala lotyalo-mali.
Ingxaki kukuba, le mihla kunzima ukufumana nayiphi na isivuno kutyalo-mali ngaphandle kokuthatha ingozi enkulu. Nangona uzimisele ukufumana umngcipheko othile, umvuzo awukhulu. Ngaphandle kokuba i-akhawunti yakho ine-balance balance, unganakho ukuhlala kwi-4% ngonyaka.
Abanini-zimali abaninzi abafuna ukunyuka kweemveliso ziza kuzama icebo lokumamela ngeeCD, okanye iibhondi ezifutshane kunye nexesha elide. Kwimimandla ephantsi kunye nenqanaba elincinci lenzalo-mali abatyala bafuna ukuba isivuno esiphezulu sifumaneke. Iibhondi zexesha elide zinomyinge ophezulu ophezulu kunamabhonkco emfutshane, kodwa xa ukhiba imali yakho ngexesha elide, ubeka ingozi yokulahlekelwa imali ekutshaleni imali engcono. Isicwangciso sesitebhisi sizama ukudibanisa ukuthengiswa kwexesha elifutshane, kunye nezivuno eziphezulu ezibonelelwa ngotyalo-mali olude. Esikhundleni sokuthenga isibophelelo seminyaka emihlanu esihlawula i-3%, uya kuthenga iintlobo ezintlanu ezivuthiweyo kumaxabiso ahlukeneyo kwiminyaka emihlanu ezayo. Utyalo-mali olufutshane olufutshane luya kuhlawula ngaphantsi, ixesha elide liza kuhlawula ngaphezulu. Ukusasaza imali yakho kwiimeko ezahlukeneyo kunokukunceda ukuba ufumane ukubuyiswa okulungileyo ngaphandle kokushiya ubuqhetseba bakho (ngamanye amagama, indlela yokufumana izandla zakho ngemali kufuneka uyifune).
Ngobudlelwane obukhula minyaka yonke, unethuba lokuvuselela (kwaye sonke sinethemba lokuba amaxabiso aya kuba ngcono kangako).
Yiyiphi i- akhawunti yomhlala phantsi ohoxisa kuyo kuqala?
Olunye uqikelelo yiyiphi i-akhawunti ekudwebeni ukusuka kuqala. Kodwa indlela yokwenza oku kwindlela efanelekileyo kakhulu yokurhoxisa irhafu incike kwiimeko zakho. Unokuqala ukurhoxisa imali kwi-akhawunti yomhlala phantsi ngaphandle kwesigwebo emva kweminyaka yobudala engama-59 / 1/2, kodwa akudingeki ukuba uqale ukuthabatha ulwabiwo oluncinci olufunekayo kwii-akhawunti zokuthatha umhlala-phantsi ezihlawulwe irhafu ukuya kwi-70 1/2 yobudala. I- Roth IRA isebenza ngokuhlukileyo. Akukho nto isasazwayo esincinci , ngoko ke ke loo mali makhulise i-tax-free for long as you would like.
Kodwa kukho ezinye iimeko apho ufuna ukucwangcisa ukurhoxisa kwakho ukunciphisa ibhajethi yakho yerhafu yonyaka. Ngenxa yokuba ukurhoxiswa kwiRoth IRA akuhlawulwa irhafu xa umhlala phantsi, unokufuna ukuthatha imali kuloo mali ngaphandle kwesinye. Ukuba unxulumene ne-akhawunti ye-investment , khuluma nomcebisi wezemali okanye ingcali kunye nomcwangcisi wecebo lakho ukuze ubone ukuba kukho iqhinga elenzayo. Ungaqwalasela nokuguqula kwiRoth IRA ngaphambi okanye ngexesha lomhlalaphantsi. Kwakhona, uchwepheshe wezezimali unokubonisa ukuba ngaba oku kuqondakala kuye kuxhomekeke kwiimfuno kunye neenjongo zakho.
Yintoni eyenzekayo engasetyenziswanga 401 (k) ukulondoloza?
Ukuba awuyikukhupha imali yakho okanye, imeko enzima kakhulu, awukwazi ukurhoxisa imali yakho yomhlalaphantsi ngaphambi kokufa, imali iya kudluliselwa kubaxhamli ozikhankanyileyo xa uvula ii-akhawunti. Yingakho kuyilungileyo ukujonga abaxhamli ngexesha elifanelekileyo, okanye emva kokutshintsha ubomi njengomtshato, ukuzalwa komntwana, umtshato, njl njl. Abaxhamli bakho baya kuhlawula irhafu yengeniso kulezi zihoxiso.
Ukuziphendulela: Umxholo okweli siza unikezelwa ngolwazi kunye neenjongo zengxoxo kuphela, kwaye akufanelekanga ukuchazwa nje ngeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.