Nangona abaninzi banokukhetha, umbala omnye wokuthatha umhlalaphantsi unokukhokelela ekubeni ukholelwe ukuba uya kuba namawaka angaphezulu kwimali engenayo yomhlalaphantsi, ngelixa omnye unokuthi unokutshatyalaliswa kwemali.
Lo mbhalo uxwebhu lubhalwe kwintetho ethi "Ingxaki ezayo kunye neCommunity Planning Calculators" nguMbutho wezeNkxaso yoMhlala-phantsi.
Ngoko, uyayazi njani nawuphi na umatshini wokuthatha umhlalaphantsi onokuwusebenzisa? Kuxhomekeke kwimibandela embalwa, kubandakanywa isigaba sakho sokuphila kunye nendlela enzima ngayo imeko yakho.
Indlela
Kwinqanaba lekhadi eliboniswe ngezantsi, kukho iindlela ezintathu eziphambili kwii-rankings: ukuchaneka, ukusetyenziswa, kunye nemfundo. I-calculator nganye yabelwe izikolo kwiqela ngalinye, kunye ne-3 ibe yinto engcono. Ukuchaneka ekugqibeleni kunzima kuma-60 ekhulwini kumanqaku okugqibela, kunye nokusebenza kunye nemfundo nganye emele ama-20 ekhulwini.
Retirement Calculator Scorecard
| Ukuchaneka | Ukusetyenziswa | LeMfundo | Isiphumo esinzima | |
|---|---|---|---|---|
| ESPlanner Basic | 3 | 3 | 3 | 3 |
| Umhlalaphantsi omtsha | 3 | 3 | 2 | 2.8 |
| AARP | 3 | 2 | 2 | 2.6 |
| MarketWatch | 3 | 1 | 2 | 2.4 |
| T. Rowe Price | 2 | 3 | 2 | 2.2 |
| Schwab | 2 | 2 | 2 | 2 |
| Vanguard | 1 | 3 | 2 | 1.6 |
| Banking | 2 | 1 | 1 | 1.6 |
| Ukunyaniseka | 1 | 2 | 1 | 1.2 |
Ukuchaneka
Icandelo elichanekileyo lekhadi lokubala lomhlalaphantsi libhekisela ekuthembekeni kweziphumo eziboniswayo.
Impazamo eyona mbi kakhulu yokuthatha umhlala-phantsi ingenza oko kuceba kuphela imeko efanelekileyo. Emva kokuphanda amathuluzi amaninzi kwi-intanethi, kubonakala ukuba abanye babonisa kuphela imeko efanelekileyo kakhulu, enokushiya abasebenzisi besengozini yokungaphumeleli kwiinjongo zabo zomhlalaphantsi.
I-calculator eneempembe eziphezulu ngokuchanekileyo iya kuba yinto enxulumeneyo, oku kuthetha ukuba iya kunika ezininzi iindlela zokukhetha ezikuvumela ukuba wenze ngokwezifiso idatha ngendlela ehambelana nemeko yakho.
Ezi zikhethi zibandakanya, kodwa azikhawulelwanga, iziphumo zoKhuseleko loLuntu, ipensheni, ukunyuka kwamaxabiso, ukunyuswa kweendleko eziphambili, iintsuku zomhlalaphantsi ezihlukeneyo phakathi kwabatshatileyo kunye nokunye. Isizathu sokuba i-calculator esebenzayo ichanile ngakumbi kuba ibamba amanqaku eenkcukacha kunye nokunciphisa umngcipheko wesiphumo esilula esithembele kwi-data engalungile.
Ukusetyenziswa
Ukusebenziseka kubandakanya izixhobo ezininzi, njengokulula ukusetyenziswa kunye nesibheno sibonakaliso. Isixhobo esinzima ukuyifunda sinzima nakakhulu ukuqonda. Izixhobo ezisebenzisa iigrafu ngaphezu kweenombolo zinokuba luncedo, njengokuba sibona indlela imali ezayo ngayo kwaye kulula ukuba abantu abaninzi baqonde.
Elinye iqela eliphambili ekusebenzeni ukukwazi ukuguqula lula iziphumo. Isixhobo esivumela ukuguqulwa kwiphepha lemivuzo kubaluleke ngakumbi kuba likhusela abasebenzisi ukuba baqalise kwakhona inkqubo yonke xa benza iphutha okanye bafuna ukuqhuba esinye isicwangciso. Kwakhona, ukuba ukhetho lokugcina luhlala luncedo kuba unokungaphantsi ixesha elifunekayo lokugqiba inkqubo, okanye unokufuna ixesha lokuqokelela ulwazi olufanelekileyo.
LeMfundo
Icandelo lemfundo yamanqaku liqukethe inkcazo yezoxhobo, iindlela zokuncedisa kunye nokukhokelwa ngokubanzi.
I-calculator ecacisa yonke into kakuhle kodwa ayivumeli ukuba umsebenzisi afumane kalula inkcazo ayiyi kubaleka kakuhle kule ndawo. Ngokomzekelo, ngamanye amaxesha indlela ichazwe kakuhle, kodwa ifihliwe phantsi kwewebhu kwiimimiselo kunye neemeko zamaphepha. Esi sikhundla sizenza singabi nantoni kuba abasebenzisi abaninzi abanakuyifunda okanye baqwalasele xa bezalisa i-calculator.
Isikhokelo yenye enye imigaqo ebalulekileyo kule candelo. Nangona kungabikho kumabalawuli amaninzi omhlala phantsi, isikhokelo sinokuba yinxalenye ebaluleke kakhulu yezixhobo ezinikezelayo. Isikhokelo sivame ukuboniswa ekupheleni kwenkqubo, okanye kwiphepha lempembelelo kwiphepha lephepha.
Izibalo zerhafu kwiRhafu
Enye ingxaki kunye nabahlawuli bemveli bemihlala-phantsi ngaba kaninzi abakuniki umfanekiso ochanekileyo wento engenayo yentlawulo yomhlala-phantsi emva kwakho.
Kungenzeka ukuba uza kuhlawula irhafu ngomhlalaphantsi, kwaye inani lentela oya kulihla liya kuxhomekeka kwiimeko ezininzi ababalaseleyo abathengi bemhlalaphantsi.
Nangona i-calculator yomhlalaphantsi isisiqalo esihle, kukulungele ukudibana nomcwangcisi womhlalaphantsi okhuselekileyo ekuncedeni ukuphuhlisa isicwangciso esifanelekileyo esifanele imeko yakho.