Ukusebenza kweRhafu kunye neNgxowa-mali eLawulayo
Ukuba uthanda iindleko eziphantsi, ukulula, ukudibanisa, kunye nokuthembeka kwexesha elide lokusebenza kwemali yenkcazo, uya kubabathanda ngakumbi xa ufunda indlela yokunciphisa irhafu ehambelana nentlawulo.
Ixesha elichazela indlela utyalo-mali oluthile oluvelisa iirhafu ezingaphantsi okanye ezingaphantsi xa kuthelekiswa nabanye kukusebenza kwerhafu.
Ukuba enye ingxowa-mali ehlangeneyo iyinkqubela-yerhafu, ithetha ukuba ayivelisi irhafu eninzi kumtyalo ngamnye xa kuthelekiswa nezinye iimali.
Ngenxa yobungakanani berhafu, abatyali-mali abambe imali kwi-akhawunti ehlawulweyo (kungekho 401 (k) okanye i-IRA) banokunciphisa irhafu ngokusebenzisa imali elawulwa ngokungapheliyo.
Ngenxa yesi sizathu, imali yenkcazo kuthiwa yinkxaso-mali yerhafu . Nasi isizathu:
Iingxowa-mali zeNkcazo eziNinzi
Elinye iqhosha eliphambili lemali yenkcazo eyenza ukuba i-tax-efficient isilinganiselo esezantsi yokubuyisela , esilinganiselweyo esichaza ipesenti yebhanki ethile yebhanki ethathelwe indawo (iphendulwe) ngunyaka odlulileyo. Ngokomzekelo, ukuba ingxowa-mali yokubambisa iifaki ezi-100 ezahlukileyo kunye nama-20 zazo zatshintshwa ngonyaka omnye, umlinganiselo wenzuzo uza kuba ngama-20%.
Yintoni ephosakeleyo ngemali ephezulu? Xa iimali zombambiswano zibuye zithengi kwaye zithengise umsebenzi, ziza kuthengisa ezinye izitheno kwixabiso eliphezulu kunokuba umthengi weengxowa uthenge.
Oku kuthetha ukuba kukho inzuzo enkulu kwaye xa iimali zengxowa-mali zifumana inzuzo enkulu, zidlulisa kunye neenzuzo kubatyalomali ngendlela yokufumana imali eyinzuzo . Yintoni ephosakeleyo ngemali eyinzuzo eyinzuzo? Zivelisa iirhafu zentengo!
Ngako oko iholo eliphezulu lidla ngokubangela ukuhlawulwa kwentela ephezulu.
Kodwa ngokwemvelo, iimali zenkcazo zinexabiso eliphantsi kakhulu - ngokuphindaphindiweyo liphantsi kwe-1% okanye i-2% - ngelixa imali elawulwa ngokunyanisekileyo kaninzi inokufikelela kuma-20% kwaye ngamanye amaxesha iphakamileyo njenge-100% okanye ngaphezulu.
Iingxowa zeeNgxowa-mali ngokuqhelekileyo zihlawula iiMali ezahlukileyo
Izahlulo ezivela kwiimali zengxowa-mali zihlawulwa njengeniso kunye neengxelo zenkxaso-mali ngokubanzi zivelisa izabelo ezingaphantsi kuneemali ezilawulwa ngokuzimeleyo ngaphakathi kwoluhlu olufanayo.
Ngaphandle kokuba uthenge inkcazo yeengxowa-mali eyenzelwe ukuthenga nokugcina iintengiso ezihlawula iindleko okanye ngaphandle kokuba uthenge iimali zenkxaso-mboleko yebhanki, akunakwenzeka ukuba ubambe ingxowa-mali eyabonakalisa irhafu yengeniso kwizabelo okanye inzala.
Kungcono, ukuba ihambelana nokunyamezela kwakho kunye neenjongo zokutyalomali, ungathenga i-index index growth, njenge- Vanguard Growth Index (VIGRX). Izitokhwe zokukhula azihlali zihlawula igalelo (kuba iinkampani ezizikhuphayo zivuselela iinzuzo zabo kunokuba zibahlanganyele nabo abatyali-mali ngendlela yezabelo).
Umgca ongundoqo kukuba ukuba unayo i-akhawunti yerhafu yokurhafisa, iifowuni zenkcazo zingabamba i-smart, zicinga ukuba ufuna ukugcina iintlawulo ubuncinane.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali okanye iingcebiso zerhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.