Yiyiphi idoli ebiza ixabiso leendlela kwaye isebenza ngayo kwipotfoliyo
Nangona kukho ukungavumelani ngokumalunga neqondo elithatyathwa ngayo idoli elinganciphisa amathuba omhlaba , kubonakala ngathi ukuvunyelwa ngokubanzi kwembono yokuba umtyalo-mali olandela idireji ixabisa isicwangciso esiphezulu, ukuthenga nokuthengisa ngaphandle kweemeko zemarike ngokukhawuleza. kunye / okanye kwi-dollar eqingqiweyo okanye isabelo semali, unokukwazi ukulungelelanisa ingozi yomzwelo yokuzithemba ngokweqile okanye ukwesaba ngexesha lexesha elibi kakhulu lokuthengiswa kwemakethe .
Enyanisweni, imfihlo yeholarlar iyabiza ixabiso elithintelayo kukuba inokunceda ukuhlula umz Kuba batyala abanamava, ingakumbi abo bathengisa iibhasiki zeempahla okanye izinto ezifana nezindleko zenkcitho ephantsi , oku kunokuba luncedo olukhulu. Enyanisweni, ukuziphatha okungenangqiqo-mali kubandakanya ngamaxesha alinga .
Iyini i-Dollar Ixabiso lentengo?
I-Dollar iyabiza ixabiso elingabonakaliyo ingachazwa ngokufanelekileyo njengendlela yokuqulunqa imali ngendlela echanekileyo yexabiso lemali elichanekileyo okanye ukufumana inani elinqununu leeyunithi zezabelo kwixesha elimiselweyo ukukhawuleza ukwakha isikhundla kwinqabiseko.
Oko kukuthi, endaweni yokutyalo-mali kwixabiso , umtyalomali usebenza ngendlela yakhe kwisithuba ngokuthenga ngokuthe ngcembe imali encinci kwixesha elide. Oku kusasaza ixabiso lentlawulo kwiminyaka emininzi kunye namaxabiso ahlukeneyo, ukubonelela ngeenguqu ezizayo kwixabiso lemarike.
Kuthetha ukuba ngamaxesha okunyuka kwamanani entengo, umtyalomali uza kuba neendleko eziphezulu ngaphezu kokuba mhlawumbi wayeza kuba kunye nangamaxesha okuhla kwamanani emasheya, umtyalo-mali uza kuba nexabiso eliphantsi kunokuba yena ayenayo.
Ingqwalasela yendlela uMtyalo-mali angenza ngayo i-Dollar Iindleko zoHlelo lokuHlola
Ukuqalisa isicwangciso semali esabiza imali, umtyalomali kufuneka enze izinto ezintathu eziphambili.
Nquma ngokucacileyo ukuba ingakanani imali engayinayo nyanga nganye. Kubalulekile ukuqiniseka ukuba imali eyenzileyo ihlakaniphile kwaye ifikeleleke kangangokuthi loo mali ingahlala ihambelana nobude bexesha, ngaphandle koko, isicwangciso asiyi kusebenza.
Khetha utyalo-mali okanye iqela lotyalo-mali afuna ukubamba ixesha elide kunye nexesha elide lichazwe ubuncinane iminyaka emihlanu okanye elishumi.
Ngexesha eliqhelekileyo - lingaba ngeveki, ngenyanga, okanye ngekota, umzekelo - utyalomali imali leyo ekukhethiweyo. Ukuba umthengisi wakhe unikezela, umtyalo-mali wethu unokusungula isicwangciso sokurhoxisa ngokuzenzekelayo ukwenzela ukuba le nkqubo iqhubekele ngokuzenzekelayo ngaphandle kweendleko. Kusenokwenzeka nokuba kwenzeke ngaphandle kwe-stockbroker .
Umzekelo weDolala Iindleko zoHlelo lokuHlola
Kulula ukubonakalisa i-mechanics ye-dollar ixabise isicwangciso esiphezulu ngokukuhamba ngomzekelo wokucinga. Khawucinge ukuba unama-$ 15,000 ongathanda ukutyalomali kwizabelo ze-ABC, Inc., inkampani eneqhinga.
Umhla ngoJanuwari 1. Unokukhetha ezimbini - ungayifaka imali njengemali eseleyo ngoku, hambani kwaye uyibale ngoku, okanye unokwenza i-dollar cost plan plan kunye nokunciphisa indlela yakho kwisitokisi.
Ukhetha ukugqibela kwaye unqume ukutshala i-$ 1,250 nganye kwikota nganye iminyaka emithathu.
Ngaphezulu kweminyaka emithathu edlulileyo, imali yakho inotyalwe ngamaxabiso alandelayo:
Itheyibhile 1: I-Dolp Hypotothey Cost Cost Plan
Umnyaka wekota wokuqala 1 = i-50.00 yamanani entengo, i-$ 1,250.00 utsalo-mali = ama-25.00 amasheya athengiweyo
Unyaka wekota wesi-1 1 = i-40.00 yamanani entengo, u-$ 1,250.00 utsalo-mali = i-31.25 izabelo ezithengiweyo
I-Quarter Year 1 = $ 70.00 yentengo yempahla, i-$ 1,250.00 yotyalo-mali = i-17.86 izabelo ezithengiweyo
I-Quarter Year 1 = $ 50.00 yentengo yexabiso, i-$ 1,250.00 utsalo-mali = 25.00 izabelo ezithengiweyo
Umnyaka wekota wokuqala 2 = $ 30.00 intengo yempahla, i-$ 1,250.00 utsalo-mali = 41.67 izabelo ezithengiweyo
I-Quarter Year 2 = = 20.00 intengo yexabiso, i-$ 1,250.00 utsalo-mali = 62.50 izabelo ezithengiweyo
I-Quarter Year 2 = = 25.00 intengo yempahla, i-$ 1,250.00 utsalo-mali = 50.00 izabelo ezithengiweyo
I-Quarter Year 2 = = 32.00 intengo yentengo, i-$ 1,250.00 utsalo-mali = i-39.06 izabelo ezithengiweyo
Umnyaka wekota woku-3 3 = i-35.00 intengo yesitokhwe, i-$ 1,250.00 yotyalo-mali = i-35.71 izabelo ezithengiweyo
Umnyaka wekota wesi-3 3 = i-51.00 yamanani entengo, i-$ 1,250.00 utsalo-mali = ii-24.51 izabelo ezithengiweyo
I-Quarter Year 3 = i-$ 65.00 yentengo yempahla, i-$ 1,250.00 utsalo-mali = i-19.23 izabelo ezithengiweyo
I-Quarter Year 3 = $ 50.00 yentengo yexabiso, i-$ 1,250.00 utsalo-mali = 25.00 izabelo ezithengiweyo
Ukuba utyalomali i-$ 15,000.00 yakho ekuqaleni kwexesha, uzuze izabelo ezingama-300 kwi $ 50.00 ngesabelo ngasinye. Kwixabiso lempahla yokuphela ye-$ 50.00 ngesabelo nganye ekupheleni konyaka wesithathu, isikhundla sakho siza kufumana i-$ 15,000.00 efanayo.
Nangona kunjalo, ngokuthengwa rhoqo kwi-dollar yakho kwindleko yokuphawula imali, ugcine utyalomali i-$ 15,000.00 kwaye ufumana izabelo ezingama-396.70 njengoko utshintshiselweyo lwakho lwama-$ 1,250.00 nganye kwikota liyakwazi ukuthenga izabelo ezininzi xa ixabiso lesitoko liyekekile kunye nezabelo ezimbalwa xa intengo yesitoko ixabiswa . Nangona ixabiso lempahla yokuphela laliyi-$ 50.00, inani elilinganayo leminyaka emithathu ngaphambi kokuba, isibonda sakho sinexabiso lemarike lika-19,839.50.
Ukuthabatha inyathelo elilodwa, ngaphantsi kweendleko zeedola-mali, isigxina sakho siza kuphuka-nangama-$ 15,000.00 ukuba isitokhwe sithengise kwi-37.81 ye-$, e-24.38 yepesenti eyancipha kwixabiso lokuqala lokuthenga.
Lo mcimbi ubonakala kwiingxelo ze- 401 (k) abatyali-mali abahlala bencedisa ekugcinweni kwabo umhlala-phantsi ngaphandle kweemeko zemakethe yempahla kwiminyaka elandela ukuchithwa kwemakethe ye-stock market ka-2009. xa iimarike zabuyisela emva kweminyaka, zazikwazi ukufumana umvuzo wokunyamezela nokuqeqeshwa kwabo.
I-downside ye-dollar ebiza ixabiso eliphezulu kukuba xa ufumana i-market bubble bubble, okanye ubeka kwindawo efumana ukunyuka okukhulu kwindleko, isiseko sakho seendleko siya kuphakama kunokuba bekungekho.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela, okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.