Ukuphulwa kweBond Ipesenti yoLawulo lweThumbana
Ngaphambi kokuba siqale ukutshabalalisa i-adage endala yokutsalwa kwezimali, makhe sijonge oko kuthethwa ngumgaqo-nkqubo kwaye kutheni kubonakala kunengqondo kwixesha elidlulileyo. Njengoko sikhankanywe ngokufutshane ngasentla, lo mgaqo wesohlwayo ubonisa ukuba ipesenti yakho yeebhondi kufuneka ifanelane neminyaka yakho.
Iingcamango ezilandelayo kule ngcamango zizwakala. Iibhonki zithathwa njengezinzileyo kwaye zingekho nengozini kunezikhokelo , kwaye umgaqo ubonisa ukuba iphothifoliyo yakho kufuneka ibe nzima ngakumbi kunye neebhondi njengoko uneminyaka ubudala kwaye usondele ngakumbi kumhlalaphantsi. Oku kuyinyaniso. Kwiimeko ezininzi, ulunge ngakumbi ukufaka iintsimbi ezininzi kwiipotifoliyo yakho njengoko usondele kumhlalaphantsi. Ukuba utyalomali kwingxowa-mali yokubambisana, utyalo-mali lwakho lulawulwa ngalokhu engqondweni, kwaye utyalo-mali lwakho kwingxowa-mali uhamba ngokukhawuleza ukusuka kwiimpahla ukufikelela kwiimbopheleleko emva kwexesha.
Ngale nto engqondweni, yintoni ephosakeleyo ngomgaqo? Ixesha alisayi kuqonda. Siphila ixesha elide kunanini ngaphambili, kwaye ukunyuka kwimali engaphantsi kwesivuno esisebuncinci kwenza kube lula ukuqonda.
Omnye kwiminyaka engama-20 ubudala kufuneka abe neebhonkco ezithile kwiipotifoliyo zabo, kodwa loo pesenti kufuneka ibe ngaphantsi kwekota yezinto zabo. Kuyafana kunjalo kwi-30s, 40s, ne-50s yakho.
Nangona uneminyaka engama-50 ubudala, abaninzi abantu baceba ukusebenza iminyaka engama-15 ukuya kweye-20 ngaphambi kokuyibiza. Ubudala bomyinge wokuhlala umhlala-phantsi e-US uneminyaka engama-63 ubudala , kodwa oko kuyahluka ngokusekelwe kwindawo kunye nemfuno zezemali.
Ngaphezulu kweminyaka elishumi ngaphambi kokuba uqale ukufaka imali kwizo zimali zokuthatha umhlalaphantsi, ngaba kufuneka ukuba ubuncinane ama-50 ekhulwini kwiibhondi? Kwakhona, mhlawumbi akunjalo.
Kufuneka ube neebhonki ezimbalwa kunye neeShishini ezininzi ukuya kufutshane nomhlalaphantsi
Ngenxa yokuba siphila ixesha elide, kufuneka ubalekele ukubophelela ezinxulumeneyo xa uselula kwaye usebenza . Xa uneminyaka engaphantsi kweminyaka elishumi ngaphambi kokuba uthathe umhlalaphantsi, lixesha lokuba ube nobudlova ngokubeka izibophelelo kwipotfoliyo yakho. Ngaphambi koko, unokuba uzibiza kakhulu kwiimbuyekezo zokutshala imali.
Enye yezona zibophelelo ezigqithiseleyo kwi-bond ye-Vanguard Total Bond Market Index Fund (VBMFX). Umyinge wendlela yokusebenza yonyaka kule ngxowa ihamba malunga neepesenti ezi-2 ukuya kuma-4 ekhulwini kule minyaka elishumi edluleyo. I-stock egxile kwiVanguard 500 Index Index (VFINX), ngakolunye uhlangothi, ibuyele malunga neepesenti ezili-9 ukuya kuma-14 ekhulwini ngeli xesha elifanayo. Utyalo-mali obuthathaka obunzima bebeza kulahleka okukhulu ngexesha elifanayo. Nangona ama-stocks ayingozi, athambe ukwenza ngcono ngaphezu kwexesha elide kunezibophelelo.
Yakha i-Bond Yakho-Hlanganisa ukuze ufanisane neenjongo zakho
Njengoko ufikelela kwiminyaka engamashumi ama-60 nangaphezulu, unomgca omfutshane kakhulu ngaphambi kokuba uzakufuna ukuthatha utyalo-mali. Ngexesha elikufutshane neminyaka yakho yegolide, awunayo iminyaka elishumi ukuba ufumane ukuhla
Eli lixesha lexesha xa kufuneka utyalo kakhulu kwiibhondi.
Kodwa njengomtyalomali omtsha oneminyaka elishumi okanye ngaphezulu ngaphambi kokuba uceba ukuthatha umhlalaphantsi, akukho sizathu sokubeka ezininzi kwiimbopheleleko. Ingakumbi kubatyalomali abatsha kwi-20s, 30s, kunye no-40, lo myalelo wezithupha ufanele uhla kwiincwadi zembali, kungekhona incwadi yakho yokudlala yotyalo-mali.
Iinjongo zokutsalwa kotyalomntu zihlukile , kwaye wonke umntu unelungelo lokunyamezela. Ukufumana indawo enothabathekileyo apho ukunyamezela kwakho kunye neenjongo ezijongene nazo ziza kukunceda wenze isigqibo sokuba yeyiphi ipesenti yepototifoliyo yakho kwimarike embophelelweyo. Kuba abatyali-mali abaninzi basasebenzisa umsebenzi wexesha elizeleyo, elo nani liya kuba liphantsi kakhulu kuneminyaka yakho.