Ubala njani ixabiso langoku
Ukuba udinga i-$ 200,000 iminyaka elishumi ukususela ngoku, ngezantsi ixabiso elikhoyo ngokusekelwe kwiirhafu ezahlukeneyo zokubuyela:
- 3% i-148,818
- 4% eyi-135,112
- 5% i $ 122,782
(Ndazenza ezi zibalo kwi-app ye-hp12C yokubala engayisebenzisayo kwi-iPhone yami ne-iPad.) Amangeniso okukwenza oku: n = 10, i = izinga lokubuyela, PMT = 0, FV = $ 200,000. xabiso.)
Oku kubalwa kwexabiso langoku kukhombisa ukuba iphakamileyo izinga lokubuyisela, ixabiso eliphantsi elifunekayo namhlanje ukuxhaswa iindleko ezizayo. Lo mngeni ekucwangciseni umhlala-phantsi; Ukuze ufikelele kwimilinganiselo ephezulu yokubuyisela, kufuneka ukhethe iphothifoliyo ekhuselekileyo, oku kuthetha ukubuyela okuphezulu kunokwenzeka, kodwa akuqinisekanga.
Ukuba ufuna into ethile ngokuqinisekileyo, kufuneka wamukele ixabiso eliphantsi lokubuyisela, oku kuthetha ukuba imali eninzi yokufunwa iyadingeka ukuba ihambise umgangatho ofanayo wokuphila.
Ufumana I-Trickier Ngomhlala-phantsi ngenxa yexesha elingaziwa
Masithi uyazi ekuthatheni umhlalaphantsi ukuba ukuze uphile ngokukhululekile uya kufuna i-$ 20,000 ngonyaka ngaphezu kwentlawulo yeNhlalakahle yeNhlalakahle.
Kufuneka uninzi olunjani lokugcina ukuze unikezele i-$ 20,000 ngonyaka? Isibalo sokubaluleka kwamanje sinika impendulo.
Ukwenza oku kubalwa, kukho iinguqu ezimbini ezingaziwa; izinga lokubuyela kunye nokuphila kwakho. Etafileni apha ngasezantsi kweli nqaku, ixabiso elikhoyo elikhoyo lithatha zombini iinguqu kwiingxelo.
Kule tafile ubona ukuba:
- Ukuba uhlala iminyaka engama-20 kwaye unokufumana i-5% yentlawulo yokubuyela, uya kufuna i-$ 261,706 ukukunika i-$ 20,000 ngonyaka.
- Ukuba uhlala iminyaka engama-30 kwaye ufumana ireyenti ye-3% yokubuyisela udinga i-$ 403,769.
Ukuba intsapho yakho nembali yakho yempilo ibonisa ukuba unokuhlala ixesha elide, uya kufuneka ugcine ngaphezulu okanye usebenze ixesha elide kunomntu onomdla wokuphila okufutshane.
Indlela yokusebenzisa ixabiso langoku kwiCwangciso loPhuhliso
Ixabiso langoku lingasetyenziselwa kukunika ingcamango engalunganga yemali oyifunayo ukuba uyilondoloze ekuqaleni komhlalaphantsi ukuhlangabezana neemfuno zakho zokuchitha . Uya kufaka iindleko zakho zonyaka, okhupha izinto ezifunyenweyo zengeniso, njengeNgcaciso yeNtlalo, ukugqiba ukuba ucinga ukuba uza kuhlala phi , kwaye kubala inani lexabiso elikhoyo laloo ndleko. Thelekisa loo nto oya kugcina ngoku, okanye oko ucinga ukuba uya kugcina ngomhla wakho wokuthatha umhlalaphantsi kwaye uya kuba nombono onzima malunga nokuba uhamba okanye ungenzi.
Ungasebenzisa kwakhona izibalo zokubaluleka kwamanje ukwenza ukhetho malunga nobungozi.
Ngokomzekelo, cinga ukuba ungowesifazane oneminyaka engama-65 ubudala kwaye ufuna i-$ 20,000 ngonyaka ($ 1,666 ngenyanga) ebomini. Ukusebenzisa inkqubo yesicatshulwa kwi-immediatelyannuity.com ungabona ukuba ngoku (u-Apreli 2016) kuya kukubiza malunga ne-$ 320,000 ukubonelela i-$ 1,666 yengeniso yenyanga kwindlela yokufumana imali.
Kulo mzekelo, unokuqhathanisa ukuba nexabiso langoku etafileni apha ngasezantsi kwinqaku.
Ngaba i-$ 320,000 ngeedola ezingama-20 000 ngonyaka? Kuyaxhomekeka. Ukuba uhlala ixesha elide kwaye ungafuni umngcipheko wokutshala imali ngoko ke into enhle kakhulu!
Ukubala Ixabiso langoku kwi-Excel
Xa usebenzisa i-spreadsheet ye-Excel ungasebenzisa ifom ye-PV ukwenza izibalo kuwe. Isixhobo sefomula siza kukucela isantya, inani leentlawulo, inani lokuhlawula, ixabiso elizayo, nokuba ngaba iintlawulo kufuneka zisetyenziswe ekuqaleni okanye ekupheleni kwexesha.
Ixabiso leNkcazo yeeNtlawulo zeNtlalo
Ukubala kwamanani okwangoku yindlela efanelekileyo yokuthelekisa enye iNkcazo yeNqabileyo yoLuntu ifuna ukukhetha kwenye. Ezi zibalo ze- Social Security calculators zisebenzisa le ndlela kunye nokwenza izibalo kuwe. Oku kunokukunceda ubonakale ukuba yiyiphi into enokubaluleka ngayo ngaphezu kwexesha lakho lobomi elilindelekileyo.
Ixabiso leNkqubo yePension
Ukubalwa kwamanani ekhoyo kwanendlela efanelekileyo yokuqhathanisa ukhetho olukhethiweyo lwempesheni . Ukuba unokuhlala ixesha elide ithuba elilodwa linokubaluleka kuwe ngokwexabiso lenkxaso elingaphaya kwelinye inketho. Ukuba utshatile, kufuneka uqwalasele ixesha lokuphila ngokubhaliweyo kubalo bakho. Kwiwebhusayithi ye-Financial Architects, kwiphepha lesipredishithi sekhasi labo leeNcedisi, uza kubona ispredishithi ebizwa ngokuthi "I-Pension Options Analysis Spreadsheet". Isebenzisa ixabiso langoku kwaye liza kubangela ukuba kubekho amathuba okuphila okuza kukunceda uqhathanise ukhetho lomhlalaphantsi.
Itheyibhile yexabiso langoku
| Ixabiso leNkcazo ye $ 20,00 Ukusasazwa kweNgeniso yonyaka | |||
| Buyela | 20 engama | 25 iminyaka | Iminyaka engama-30 |
| 3% | $ 306,475 | $ 358,710 | $ 403,769 |
| 4% | $ 282,678 | $ 324,939 | $ 295,972 |
| 5% | $ 261,706 | $ 295,972 | $ 322,821 |