Ngokuqhubeka ngokuthatha inxaxheba kwi-ESPP yakho ngokuchithwa kwemali yokuhlawula, unako ukuqokelela imali eninzi kwiminyaka yakho yokusebenza.
Kulula ukuqokelela ubutyebi ngale ndlela, kodwa wenzani nje ngokusondeza umhlalaphantsi okanye xa uthatha umhlalaphantsi ?
Ngaba uhamba ngokuthe ngcembe nale sitoksi ncinane kunyaka, okanye uthengise konke kanye? Yilapho iyanzima khona.
Kukho izinto ezimbini zokuqwalasela xa uthengisa izabelo ze-ESPP: umngcipheko kunye nentlawulo. Makhe sithethe ngengozi yokuqala, kuba ibaluleke ngaphezu kweerhafu.
Umngcipheko wokuThengisa iNkampani yeStock
Ukubamba ubutyebi bakho kwisitokisini esisodwa sinomngcipheko kunezinye iindlela zokutsalwa kwezoqoqosho, njenge-ownership index index. Kwinqanaba lethu lomngcipheko we- investment of 1 ukuya ku-5 , Ukuba nesitokethi esisodwa njengenqanaba lomngcipheko 5, ukubeka kwindawo ephezulu yengozi ngokuphathelele kwezinye izinto.
Njengoko usondele umhlalaphantsi imali yakho inomsebenzi ocacileyo ukuba uwenze, oku kukubonelela ngenzuzo engapheliyo yokuphila. Kuyizidenge ukubeka umngcipheko inxalenye enkulu yengeniso yakho yesikhathi esizayo kwi-stock stock yenkampani enye.
Unokuziva unxulumene nomoya kwinkampani. Oku kuqhelekileyo. Nangona kunjalo, oko akuthethi ukuba ufanele uqhubeke unesabelo esiphezulu seenkampani njengoko usuqulela kumhlalaphantsi.
Uninzi kangakanani? Yongeza ixabiso lakho lonke iimpahla zakho zezimali, ezifana nokulondoloza, utyalo-mali kunye neakhawunti yomhlalaphantsi. Ngoku kwahlula ixabiso lesitokethi onayo kwiimpahla zakho zezimali ezipheleleyo. Ukuba isitokethi esisodwa sibonisa ngaphezulu kwe-5% yeempahla zakho zezimali, eninzi.
Nasi umzekelo.
Yithi unayo i-$ 50,000 ye-stock stock, kwaye unayo i-$ 500,000 kwiimpahla ezipheleleyo zezimali. Oko kuthetha ukuba i-10% yeempahla zakho zezimali zikhoyo kwisitokhwe senkampani. Oku kuninzi.
Ukuba unama-5% eempahla zakho zezemali kwisitokisi senkampani uya kufuna ukubeka isicwangciso sokubonelela ukuthengisa izabelo. Yilapho irhafu ifike khona.
Imirhumo ekuthengisweni kwezabelo ze-ESPP
Isabelo sakho sesicwangciso sokuthengwa kwesitoko sinokuba neempawu zerhafu ezikhethekileyo. Ukuze siqonde oku, makhe sibone izinto ezintathu ezifaka isandla kwiirhafu zeSSPP.
- Okokuqala, ukubala umahluko phakathi kwexabiso leminikelo (oko uhlawulele isitokisi) kunye nexabiso elithengileyo lemarike (ukuba umntu oqhelekileyo uthenge isitokethi uya kufuneka ahlawule ngalo njengomhla wokunikezelwa). Le mali ngokuqhelekileyo iya kuthathwa njengembuyekezo yembuyekezo, okanye inzuzo engenayo , kwaye idlalwa ingxelo kwi-W-2 yakho.
- Emva koko, kukho inzuzo okanye ukulahlekelwa kwisitokisi. Lo umehluko phakathi kokuhlawulela isitishi kunye nexabiso layo xa uthengisa. Olu hlobo lwenzuzo okanye ukulahleka lubikwa njengalowo nawuphi na umvuzo okanye ukulahleka kwemali.
- Ngoku kuya kuba nzima nakakhulu. Ingeniso yenzeniso yakho ebanjelwe kwimbuyekezo yengeniso okanye ukuzuza kwempembelelo kuxhomekeke kwixesha elide ubeke ngayo isitokisi. Xa uthengisa i-stock yakho yenkampani, kuxhomekeke xa uthengisa, ikwahlulwa njengento efanelekileyo okanye engafanelekiyo. Ngomgangatho ofanelekileyo (ukuba uthe wagcina i-ESPP izabelo iminyaka engaphezu kweminyaka emibili ukususela kumhla wokunikela, kwaye unyaka owodwa ukusuka ngosuku lwakho lokuthenga) unako ukunika ingxelo engaphezulu kwenzalo yakho njengenzuzo eyinkunzi kunokufumana imali engenayo. Oku kunenzuzo njengoko inqanaba lentlawulo yexabiso lentlawulo liphantsi kunexabiso eliqhelekileyo lentlawulo yengeniso.
Kukho ngaphaya kweli nqaku ukuchazela zonke iinguqu zerhafu, kodwa ukuba ufuna ukumba kuyo I-FIDELity ye-ESPP yentlawulo eyenziwe lula yenza umsebenzi omkhulu wokuchaza, nangona ndiza kuthetha ukuba akusoloko kulula ukuyiqonda.
Inqaku eliphantsi: Ukuba ufaka umhlalaphantsi kunye nexabiso elithile lempahla yenkampani uya kufuna ukuqikelela iirhafu, ubone ukuba ngaba kukho naziphi na amathuba okucwangcisa.
Ngokomzekelo, mhlawumbi xa uthengisa izabelo zonyaka emva kokuba uthathe umhlalaphantsi xa ungenayo nayiphi na imali engenayo, ireyithi yentlawulo yexabiso lentlawulo ephantsi iya kusebenza ngaphandle kokuba uthengisa izabelo ngonyaka ohlala kuyo, apho unokufumana imali engenayo ukubika.
Ngexesha lokuthengisa iiSabelo
Uninzi lwabasebenzi abanokufikelela kwisicwangciso sokuthengwa kwesitoko baya kuxhamla ngokubandakanyeka kumjikelezo oqhubekayo wokuthenga isitoreji ngokuchithwa kwemivuzo kunye nokuthengisa isitishi ngokukhawuleza ukuba unako (ukuba ufuna ukunciphisa ingozi yokuba nesitokethi esinye) okanye ngokukhawuleza emva kokuba udibene nexesha lokubamba elifunekayo (ukuba uvakalelwa ukulawula irhafu kubaluleke ngakumbi kunobungozi bokutshala imali ekubonakaliswe ngokugqithiseleyo kwisitokethi esisodwa).
Ukuba ufumene uninzi lwezokhuseleko lwakho lwemali lubophelelwe kumqeshi wakho-olubhekiselele kwingeniso yakho yangoku, ngelixa usebenza, kwaye inxalenye enkulu yobutyebi bakho ngokusebenzisa ubunikazi besitokisi senkampani, isigqibo sengozi kufuneka sigxume nayiphi na amathuba okulondoloza irhafu. Kule meko kusebenza ngokubhekiselele ekunciphiseni umngcipheko ngokuthengisa impahla.
Ukuba unesitokisene esaneleyo ungasebenzisa kwakhona isicwangciso esicwangcisiweyo sefowuni esenza ingeniso kwisitokhwe ngelixa usungula amaphuzu exabiso eliphambili oza kulithengisa ngalo.
Ukuba unempahla eninzi yemali engaphandle kweso senkampani yakho, ukucwangcisa ukuthengiswa kwempahla yakho kwindlela efanelekileyo yerhafu ingaba yinto ebaluleke ngaphezu komngcipheko wokugqiba ixesha lokuthengisa amasheya.