Ukuqokelela: Akukho Zongeza, Akukho Ulandelelwano Lokubuyisela Ingozi
Masithi utyalomali u-$ 100,000 ngo-1996, kwi-S & P 500 Index.
Ngezantsi i-index iyabuya.
- 1996 23.10%
- 1997 33.40%
- 1998 28.60%
- 1999 21.0%
- 2000 -9.10%
- 2001 -11.90%
- 2002 -22.10%
- 2003 28.70%
- 2004 10.90%
- 2005 4.90%
I $ 100,000 yakho ikhule ibe ngama-238,673. Akukubanga. I-100 000 yakho yeeRhafu izuze ngaphezu kwe-9% yezinga lokubuyisela. Khawuthethe ukuba le ntlawulo eboniswe ngasentla yenzeke ngokuchaseneyo (njengoko kuboniswe ngezantsi apha kweli nqaku) .... uphelile ngemali efanayo: $ 238,673. Umyalelo apho ukubuya kwenzeka khona akukho mphumela kwisiphumo sakho ukuba awuyi kutyalomali rhoqo (ukuthenga utyalo-mali) okanye ukuhoxisa rhoqo (ukuthengisa utyalo-mali).
Ukurhoxiswa kweNgeniso kunye nokuFumana okufanayo
Khawuthethe ukuba, endaweni yesimo esingentla ungasethatha umhlala-phantsi ngo-1996. Utyalomali i-$ 100,000 kwi-S & P 500 Index, kwaye ususe i $ 6,000 ekupheleni konyaka ngamnye. Ngaphezulu kweminyaka elishumi, ufumane imali engama-60,000 engeniso kwaye unayo i-162,548 yeenqununu. Yongeza ezo zibini uze ufumane i-$ 222,548.
Kwakhona, uzuze ngaphezu kwe-9% yentlawulo yokubuya.
Ukubuyisa kuvela kwiNkundla yokuchasene
Khawuthethe ukuba uthatha umhlala-phantsi ngo-1996, utyalomali i-$ 100,000 kunye no-6,000 ngonyaka-ke yona imbuyekezo echazwe ngentla yenzeke ngokulandelanayo, njengoko kuboniswe ngezantsi.
- 1996 4.90%
- 1997 10.90%
- 1998 28.70%
- 1999 -22.1%
- 2000 -11.90%
- 2001 -9.10%
- 2002 21.0 %%
- 2003 28.60%
- 2004 33.4 %%
- 2005 23.10%
(Ukubuyisela ulwazi olongezelelweyo olufumaneka kwimbuyekezo yeemarike zembali ).
Xa usuhoxisa ingeniso yenguqu ekulandelelaneni apho ukubuyiswa kwenzeka khona kukuchaphazela. Ngoku ekupheleni kweminyaka elishumi, sele ufumene imali engama-60,000 yengeniso kwaye ushiye i $ 125,691. Yongeza le mibini kunye kunye ne-$ 185,691. Oku kufana ne-7.80% yentlawulo yokubuyela. Akulunganga, kodwa kungekuhle nje nge $ 222,548 oya kufumana ukuba ibuyiselo yenzeke ngenye indlela.
Ngethuba leminyaka yakho yomhlalaphantsi, ukuba inani eliphezulu lembuyekezo engalunganga lwenzeka kwiminyaka yokuqala yomhlalaphantsi wakho, kuya kuba nefuthe elibi elingapheliyo kunye nokunciphisa inani lemali engenayo ongayihoxisa ixesha lokuphila kwakho. Oku kubizwa ngokulandelelana kwembuyekezo yerhafu.
Xa uthatha umhlalaphantsi, kuba kufuneka uthengise iimali-mali ngezikhathi ezithile ukuxhasa iimfuno zakho zokuhamba kwemali, ukuba ukubuyela okungekho mvelaphi kuqala, ugqiba ukuthengisa izinto ezithile, kwaye ngokunjalo unciphise izabelo ozifumanayo ukuba zithathe inxaxheba kwixesha elizayo kubuya.
Ulandeleliso lwengozi lufana neseDolari Iindleko zokulinganisela kwi-Reverse
Ukulandelelana kweengcipheko zentlawulo yinto echaseneyo nedola yexabiso .
Ngamaxabiso edoli ubeka imali rhoqo kwaye uthenge amanye amasheya xa utyalo-mali luhla (apho imeko ilandelelaniso engafanelekanga yokubuyisela kwangaphambili kwimisebenzi ukufumana inzuzo xa uthenga amanani angaphezulu). Kodwa xa uthatha ingeniso, uthengisa rhoqo, ungathengi. Kufuneka ube nesicwangciso esikuyo ukuqinisekisa ukuba awuphepheli ukuba uthengise amanani amaninzi xa utyalo-mali luhla.
Ukuzikhusela Ngomngcipheko olandelelanayo
Ngenxa yokulandelana kwengozi yokufaka ireyithi elula yokubuyisela kwisixhobo sokucwangcisa umhlala-phantsi akuyona indlela efanelekileyo yokucwangcisa umhlalaphantsi. Isixhobo se-intanethi sithatha ukuba ufumana imali efanayo ngonyaka. Iphothifoliyo ayisebenzi ngaloo ndlela. Unako ukutyalomali ngendlela efanayo kwaye ngexesha lonyaka elinamashumi amabini unokufumana i-10% kunye neenzuzo, kwaye kwithuba elinesibini leminyaka uya kuzuza i-4% yentlawulo.
Umyinge wokubuyisela awusebenzi. Isiqingatha sexesha elizayo liya kuba ngaphantsi komyinge. Ngaba ufuna isicwangciso somhlala-phantsi esisebenza kuphela isiqingatha sexesha? Ukhetho olungcono kunokuba usebenzise imilinganiselo kukusebenzisa ukubuyiswa okuphantsi kwisicwangciso sakho; into ebonakalisa ezinye zezona zidlulileyo kwiminyaka edlulileyo. Ngaloo ndlela xa ufumana ulandelelwano olubi (uqoqosho olubi) sele ululungele oko.
Ukuba nenkqubo yotyalo-mali oluthileyo inokukunceda ukulawula ingozi elandelelanayo. Imirhumo yeRhafu yokuLawula ukuKhutshwa kweNgxowa-mali yomhlala phantsi inikeza izikhokelo ezithandathu ongayisebenzisa ukukunceda ulungelelanise ukukrazula kwakho njengoko uhambayo. Enye inxaxheba kukusebenzisa utyalo-mali olunikezela ngeniso eqinisekileyo. Iindlela ezi-7 zokwakha umgangatho we-Retirement Revenue Income iza kukunika iingcamango malunga nendlela yokwenza oku.
Ungakwazi kwakhona ukwenza iphothifoliyo yebhanki edibeneyo ukwenzela ukuba unyaka ngamnye uqokelele iibhanki ukuhlangabezana neemfuno zakho zokuhamba kwemali (uza kubhala iminyaka yokuqala emihlanu ukuya kwe-10 yokubiza kwemali efunekayo). Ngaloo ndlela, yonke iphothifoliyo yakho inokubakho kwii-equity kwaye le nxalenye yokulingana isekwenene kwisigaba sokuqokelela - ungakhetha ukuvuna i-earnings kuyo ukuze uthenge iintsimbi ezingaphezulu kwiminyaka okanye emva kokubuya kweemarike ezinamandla.
Into engcono kakhulu ongayenzayo iyaqonda ukuba zonke izigqibo ziquka ukuhweba phakathi kwengozi nokubuyela. Ukuphuhlisa isicwangciso sengeniso somhlala - phantsi , landela indlela ehlolwe ngayo ixesha, kwaye uceba ukulungelelanisa.