Iipredishithi ze-Intanethi kunye neZiko loMququzeleli Wakho-Ngaba-Wena ngokwakho
Njengoko uhamba phantsi uluhlu uluhlu oluthile luyinkimbinkimbi, oku kuthetha ukuba izinto ekupheleni kwoluhlu zakhiwa ngabaqeqeshi, kodwa zingasetyenziswa kwaye ziqondwe ngumntu ozenzayo umcebisi-mali.
Umququzeli wezeMhlalaphansi weFlexible
Esi siza sinikeza inguqu yokuhlaziywa kwamahhala kweseyile yabo yokucwangcisela umhlala-phantsi ebizwa ngokuba yi-Flexible Retirement Planner. I-spreadsheet ithatha iziphumo ezisisiseko ezifana nobudala bakho obukhoyo, ubudala bomhlala-phantsi, imali epheleleyo egcinwe kwirekhodi ehlawulwa irhafu, irhafu, kunye neerhafu ezingenaserhafu, izinga elilinganisiweyo lokubuyisela ekulondolozeni, izinga leerhafu, kunye neminikelo yonyaka yokugcina imali. Emva koko uqhuba imimiselo eyahlukeneyo kwi-akhawunti yeziphumo zotyalo-mali, kwaye uvavanya amathuba akho okuphumelela (oko kuthetha ukuba imali yakho ihlala ixesha lakho lobomi).
Kwakhona, ngokusebenzisa ithuluzi lokucwangcisa umhlala-phantsi, banikela uluhlu lweesepredishithi ezongezelelweyo zamahhala zokukhuphela phantsi kwecandelo lazo zixhobo. Eli candelo liquka ezinye iipredishithi ezinjengeThuluzi lolwabiwo lweeAthifoliyo , i- TIPS Ladder Builder , kunye nePortfolio Retarding Simulation .
UkuCwangcisa okulula
Isicwangciso serhafu sinokukunceda ukugcina imali kwaye kubaluleke kakhulu ukuyenza xa ufika kwindawo apho uhoxisa imali kumhlalaphantsi.
Uphando lubonisa ukuba abahlala phantsi bavame ukugqithiswa ngoluphi umrhumo omkhulu werhafu kwi-retrait. Ngelishwa, amaninzi amathuluzi e-intanethi angasiniki iinkcukacha eziza kufuneka uzenzele ukucwangcisa intela. Ukucwangciswa okulula, nangona kunjalo, kunika isisombululo esikhulu kwi-Detailed Tax Calculator yakho evumela ukuba uhlawule irhafu epheleleyo yentlawulo.
Banikela ingcaciso yeedemo yespredishithi yabo yokukhuphela ukuze ukwazi ukubona ukuba isebenza njani. Uyakwazi ukuphucula kwiphepha elipheleleyo kwi-$ 19.95 kuphela. Ukuba ufuna umsebenzi obongezelelweyo kunye nomcwangcisi wokuthatha umhlala-phantsi, umcwangcisi wohlahlo lwabiwo-mali, umcwangcisi onelungelo lokuthenga imali, umcwangcisi wokuthenga imali kunye nokunye, uzame i-Complete Planner Premium version ye-$ 59.95.
ZeMali
AbaPhathi bezeMali ngumbutho wolawulo lobutyebi obenza ezininzi iipredishithi zabo zifumaneke kwi-intanethi mahhala kwikhasi labo lokuhambisa. Skrolela phantsi kwekhasi labo ukuze ubone ama-spreadsheets kunye namaqaku ngento. Kukho uninzi lwabathathe umhlala-phantsi onokufuna ukukhangela, njenge- One Person Person Social Security Breakeven Spreadsheet , iSpredish Option Analysis Spreadsheet , u- Investment Buyisela iMaster Matrix , kunye ne- Joint Life Probability Spreadsheet , nje kuthiwa ezimbalwa. Uzakufuna ulwazi olusebenzayo lwe-Excel ukusetyenziswa kwezi zixhobo.
Izixhobo zerhafu
Izixhobo zerhafu zinikeza isofthiwe yeengcali zerhafu, kodwa ixabiso lilingqiqo ($ 199 ngonyaka) ukuba ezo zentlawulo zerhafu zingaba nomdla. Esinye sezixhobo zabo zokucwangcisa irhafu sikuvumela ukuba uthelekise iminyaka ezayo kwikota. Ukuthatha umhlala-phantsi oku kukuvumela ukuba ufanise oko kwenzekayo xa uthatha iirejista ze-IRA.
Ukuba sele uthabatha uKhuseleko loLuntu xa uqala iRRA ukurhoxisa irhafu yakho inokuba nzima kunokuba ulindele. Banikela ngokuzenzekelayo ngokuzenzekelayo ngaphandle kokuthenga (iinguqulelo zeedemo nje akunakho ukuphrinta okanye ukuvelisa ifomu yakho).
I-Ultimate Estate Planner, Inc.
Le webhsayithi kunye nezixhobo zalo zikhokelela ekusebenziseni abacwangcisi bemali, abacwangcisi berhafu, nabacwangcisi beempahla, kodwa zichanekile ngokuchanekileyo amashadi, kwaye ngokokufundisa, ukuba abaninzi abatyala-mali kunye nabacebisi banokuzifumana zibalulekile. Ezintathu zam intandokazi yiTrafik Management Chart , iTransing Grains Grarting Chart , kunye ne- Traditional IRA Distribution Flowchart . Unokuzifumana ezi zinto kwiCats Friendly Charts / Ikhasi lokunika ngesandla.
I-Software ye-Real Real Retirement Software
Eli sayithi linetayili yolwazi kunye nespredishithi okufundwayo ezikhoyo kwi-demo kunye nokuthengwa ngeSofthiwe yeSizwe soMhlala-phantsi we-Real Real njengelinye labaninzi.
Izaziso zinika ulwazi oluninzi ukuba kunzima ukufumana oko unokukhangela, kodwa ukuba ungokoqobo uzakufumana izixhobo zokuhlalutya kuyo yonke into esuka kwi-Rental Real Estate Analysis kuya kwi-Bond Calculators kwi-Asset. IApport Calculators.