Izimiselo ezisisiseko ezinokukunceda ukuba uvule uMnyango kwi-Independence yezeMali
Le nqaku yashicilelwe ekuqaleni ngo-2005, kodwa emva kweminyaka engaphezu kweyishumi emva koko, ndiyihlaziya, ndandisa, kwaye ndiyilungisa ukuze unikezwe ngokucacileyo ngakumbi malunga nohlobo lwengqondo ongayithatha ukukhusela, ukulondoloza nokuqokelela ubutyebi .
Utyalo-mali # 1. Ukugxininisa Kwinqanaba loKhuseleko
UBenjamin Graham , ubaba wohlalutyo lwezokhuseleko lwangoku, ufundise ukuba ukwakha umda wokhuseleko kwimali yakho yinto ebaluleke kakhulu ongayenza ukukhusela iphothifoliyo yakho. Kukho iindlela ezimbini ongayifaka le mgaqo kwinkqubo yokukhetha utyalo-mali.
Okokuqala: Yiba ne-Conservative Kwiimvavanyo zakho zokuxabisa
Njengeklasini, abatyali-mali banomkhuba oqhelekileyo wokuphucula iziganeko zakutshanje kwixesha elizayo. Xa amaxesha amnandi, aba nethemba ngokuthe xaxa ngamathuba amabhizinisi abo. Njengoko uGraham ubhekiselele ekuphathweni kwakhe kotyalo-mali okumangalisayo, uMngciphekisi onobulumko, umngcipheko ophezulu awukhokheli ngokubanzi ama shishini aphezulu, kodwa kunoko, ukuhlawula amaninzi kumashishini athile ngexesha elifanelekileyo.
Ukuze ugweme le meko ebuhlungu, kubalulekile ukuba uphambuke kwicala lokulumkisa, ngokukodwa kwindawo yokuqikelela amaxabiso okukhula esizayo xa uxabisa ishishini ukufumanisa ukubuya okungenzeka.
Kuba umtyalomali ngeepesenti ezili-15 ezifunwayo ukubuyela kwexabiso, ishishini elidala i-$ 1 isabelo ngasinye kwinzuzo libiza u-14.29 we-$ ukuba ibhishino lilindelekile ukuba likhule kuma-8 ekhulwini. Ngokulinganisela ukukhula kweepesenti eziyi-14, nangona kunjalo, inani elilinganiselwayo elilinganiselwa kwisabelo ngasinye yi-$ 100, okanye amaxesha asixhenxe!
Okwesibini: Ukuthengiswa kwee-Asset kuphela kufuphi (Kwimeko yezoBhishino eziPhambili) okanye ngaphaya kwezantsi (Kwimeko yezinye i-Amashishini) Ukulinganiswa kwakho kokubaluleka kokubaluleka kwangaphakathi
Emva kokuba uqikelele ngokubaluleka kokubaluleka kwangaphakathi kwesitishi okanye ishishini langasese, njengokuhlamba imoto eqhutywe ngenkampani ejongene nokunyaniseka , kufuneka uqiniseke ukuba ufumana inzuzo efanelekileyo. Ubungakanani ukukulungele ukuhlawula kuxhomekeke kwiinkalo ezahlukeneyo, kodwa elo xabiso liya kugqiba izinga lokubuyisela .
Kwimeko yenkampani ebalulekileyo - uhlobo lwenkampani eneenzuzo ezinkulu zokuncintisana, uqoqosho lwezinga, ukukhuselwa kwegama lomtshini, ukubuyisela umlomo kumthamo, kunye nekharityhulam eqinile, isitatimenti sengeniso, kunye nesitatimende sokuhamba kwemali - ukuhlawula ngokupheleleyo xabiso, kwaye rhoqo ukuthenga izabelo ezongezelelweyo ngokuthenga okutsha kunye nokubuyisela izihlawulelo zakho, kunokuqiqa. Ndisandula ukubhala umxholo walo mbandela kwiblogi yam ibhino usebenzisa i-Hershey Inkampani njengomzekelo wecandelo lokufunda. Ndacacisa ukuba, nangona xa kuninzi, iHershey inakho ukuvelisa i-returns ephezulu ngokwaneleyo, abatyali-mali banokukhuselwa kancinci kusetyenziswe ixabiso lexabiso le-bubble dot-com njenge-starting point, ngo-1990, ngokuthelekisa umenzi we-chocolate kwi-Vanguard neS & P 500 yeengxowa-mali. Nangona kuthengiswa kwexabiso lentengiso, u-Hershey waphula i-index, njengokuba sele yenzelwe isizukulwana emva kwesizukulwana ngaphezu kwexesha elide.
(Qaphela: Iminyaka yomntu ngamnye, nokuba ngamaxesha eminyaka engama-3-5, ibali elifaniyo. Kumdlalo wokugqibela, iqumrhu elinjengeHershey libhetele kunomyinge, kodwa akukho nto ichaza oko kuya kukwenza kwiinyanga ezizayo ezingama-60. Kubaluleke kakhulu ukuba unqume ukususela ekuqaleni ukuba ngaba ungumtyalo-mali wexesha elide okanye udlala umdlalo ohlukileyo ngokupheleleyo.)
Ezi ntlobo zamashishini azinqabile. Uninzi luwela kwintsimi okanye kumgangatho wesibini okanye wemfundo ephakamileyo. Xa usebenzisana nale meko, kuqikelele ukufuna umgama okhuselekileyo wokhuseleko ngokukruthisa umvuzo ngokuguqulwa kwezinto kunye / okanye ukuhlawula ixabiso elilinganiselwa ngaphezu kwe-2 / 3rds okanye ixabiso lakho elilinganiselwayo, eliza kulufumana amaxesha ngamaxesha. Luhlobo lwentengiso yemasheya. Enyanisweni, ngokudlulileyo, ukunyuka kwexabiso leemarike ezicatshulwa ngama-33% okanye ngaphezulu akukho into engaqhelekanga kwiminyaka embalwa.
Ukwakha kumzekelo wethu wangaphambili wekampani enexabiso elilinganiselwa kwi-14.29 ye-$, oku kuthetha ukuba awufuni ukuthenga isitishi ukuba kuthengiswa kwi-$ 12.86 ngenxa yokuba le nto ikhuselekile kwi-10%. Kunoko, ungathanda ukulinda ukuba ufike kwi $ 9.57. Kuyakukuvumela ukuba ube nokukhusela okungekho phantsi kwimeko ethile yokudakumba okukhulu okanye u-1973-1974 ukuwa.
Utyalo-mali oluphambili # 2. Yenza imali kuphela kwiiShishini okanye iiAfa oziqondayo. Kubalulekile Uyakwazi ukulinganiselwa kwakho
Unokulinganisela njani i-earnings nganye ngekampani? Kwimeko yeCoca-Cola okanye i-Hershey, unokwazi ukubheka ukusetyenziswa kwemveliso nganye ngamazwe ahlukeneyo kwihlabathi, iindleko zengeniso, njengemali yentshukela, imbali yokulawula ukwabiwa kwemali, kunye neloluhlu lwezinto. Uya kwakha amaspredishithi, uqalise iziganeko, kwaye ufike ngeendlela ezininzi zokujonga ngokuzayo ngokusekelwe kumanqanaba okuzithemba ahlukeneyo. Konke oku kufuna ukuqonda indlela amashishini enza ngayo imali; indlela imali ehamba ngayo kwi-treasury.
Ukutshatyalaza, abatyali-mali abaninzi bayayinaki ingqiqo kwaye batyala imali kwiinkampani eziqhuba ngaphandle kwesiseko sabo solwazi. Ngaphandle kokuba uyayiqonda ngokwenene uphuhliso lwezoshishino kwaye unokuqikelela apho ishishini liza kuba khona kwiminyaka emihlanu ukuya kweyishumi ngokuqinisekileyo, ungathengi isitokisi. Kwiimeko ezininzi, izenzo zakho ziqhutyelwa ukwesaba ukushiywa ngaphandle kwe "into eqinisekileyo" okanye ukuyeka ukufumana umvuzo omkhulu. Ukuba oko kuchaza wena, uya kududuzeka ukwazi ukuba emva kokuveliswa kwemoto, ithelevishini, ikhomputha kunye ne-intanethi, kwakukho amawaka eenkampani eziye zavela khona, kuphela ukuba ziqhube ekupheleni. Ukusuka kwimbono yentlalo, le ntuthuko yezobuchwepheshe yayiyimpumelelo enkulu. Njengoko utyalo-mali, uninzi lwabafundi. Isibalulekileyo kukugwema ukukhohlisa ngokuzonwabisa. Imali ichitha enye, kungakhathaliseki ukuba uthengisa izinja ezishushu okanye ii-microchips. Ulibale oku, kwaye ulahlekelwa yinto yonke. Abanye abanini-nxaxheba be-GT Advanced Technologies, abangazange bafumane amava okanye ulwazi loshishino okanye ukuchazwa kweengxelo ezichaphazelekayo, babhekene nendawo yokuchitha ngenxa yokuba bengenelisekile ukwenza imali kwi -index index-cost index okanye i-port-chip stock portfolio. Ingozi engadingekile.
Ukuze ube ngumtyalo-mali ophumelelayo, akudingeki ukuba uqonde i- arbitrage eguqulwayo, izicwangciso zokurhweba zengeniso-esoteric ezizinzileyo, ukulinganiswa kwezinto ezikhethiweyo, nokuba nokubalwa kweengxelo. Ezi zinto zandisa nje indawo enokuthi utyalo-mali lufumaneke kuwe; luxabiseke, kodwa kungabalulekanga ukuba uphumelele amaphupha akho emali. Abanini-zimali abaninzi, ngenxa yezizathu ezaziwa kuphela kwiinkwenkwezi, abanqweneli ukubeka amanye amathuba phantsi kweengcambu "ezinzima kakhulu," ukungafuni ukuvuma ukuba abayi kukhangela umsebenzi okanye ngokuziqhenya. Kuyindlela eyingqiqo yokuziphatha. Nangona i-billionaire uWarren Buffett, owaziwayo ngobungakanani bakhe boshishino, imali, ukubalwa kwemali, umthetho werhafu kunye nolawulo, uyamkela iimpazamo zakhe. Ngomhlangano we-Berkshire Hathaway wokugcina impahla, ngo-2003, uBuffett, ephendula umbuzo malunga nomboniso we-telecom, wathi: "Ndiyazi ukuba abantu baya kusela iCoca, basebenzisa iGalette kunye nokutya ii-Snicker bars kwiminyaka eyi-10 ukuya kwe-20, kwaye banomdla onzima inzuzo enkulu abaya kubayenza. Kodwa andiyazi nto malunga ne-telecom. Akundikhathazi. Omnye uya kwenza imali kwiimbotyi ze-cocoa, kodwa kungekhona mna. Andikhathazeki malunga noko andingaziyo-ndixhalabile ngokuqinisekileyo malunga noko ndiyaziyo. "Ukukwazi ukuhlola ngokuqinisekileyo amandla akhe kunye nobuthakathaka yindlela enye uBuffett uye wakwazi ukuphepha ukwenza iimpazamo ezinkulu kwi-career .
Utyalo-mali olungundoqo # 3. Ukulinganisa Impumelelo Yakho ngokuSebenza ngokuSebenzayo kweShishini, kungekhona i-Stock Price
Enye yeziphazamiso ezinkulu zomsebenzi wam ukhangele ngenye indlela abantu bathetha njengokuba beengcali kwiimpahla, izibophelelo, imali kunye kunye nezinye izinto abaziqondi kakuhle. Ngelishwa, amadoda amaninzi nabasetyhini bajonga kwixabiso lentengo ekhoyo yamanani ekwi-validation kunye nokulinganisa xa, ngexesha elide, lilandela nje ukusebenza kwe-cash cash generated by asset. Isifundo? Gxila kulo msebenzi ophantsi. Yiyo ebalulekileyo.
Omnye umzekelo wembali: Ngethuba lowe-1970, abantu babathengiswa kwiimpawu ezidlulileyo zexesha elide ezibethelwa kwi-2x okanye i-3x yokufumana imali, ukucima izibonda zabo kwiihotele, kwiindawo zokutya, izityalo zokuvelisa, iinkampani zomshuwalense, iibhanki, abenzi be-candy, i-flour mill, izigulana zezobisi, kunye neendlela zomzila ngenxa yokuba belahlekelwe ngama-60% okanye 70% kwiphepha. Amashishini angundoqo ayenzileyo, kwiimeko ezininzi ezikhupha imali eninzi. Abo baqeqeshwayo kunye nokubona kwangaphambili ukuba bahlale ekhaya baze baqokelele izahlulelo zabo baqhube imali yabo ekuhlaleni i-jaw-dropping rates kwiminyaka engama-40 eyalandela nangona ukunyuka kwamanani kunye nokuchasana, imfa noxolo, utshintsho oluthile lwezobuchwepheshe, kunye neentlobo ezininzi zeemakethe zentengiso .
Lo mbandela obalaseleyo ubonakala ungenakwenzeka ngokwenyaniso kubantu abambalwa ukuba baqonde, ngakumbi abo banomdla wokugembula. Emuva ngethuba le-dot-com, ndifumene i-imeyile enomsindo evela kumfundi oye wafaka isibindi kunye nam (ukungaqiniseki, ukuxhaswa ngemfundo) ukuba iziphumo zokusebenza kunye nexabiso lentengo azihlanganiswa ngokungenakulinganiswa kwixesha elide. Wayecinga ukuba le nto yayingcikiva. "Awazi na ukuba ixabiso lentengo alinanto yokwenza ibhizinisi?" Wacela.
Wayenzulu.
Kubantu abanjalo, izitokisi azikho ngaphezu kwamathikithi e-lotto. Ezi ntlobo zababalandeli ziza zihambe, zitshitshiswa emva kokuphela kokuphela kokutshatyalaliswa okulandelayo. Umtyalo-mali oqeqeshwe ngokwenene unokuphepha zonke izinto ezingenangqondo ngokufumana izinto ezivelisa iimali zemali ezihlala zikhula, zibambe ngendlela efanelekileyo yokufumana irhafu kubo, kwaye ivumela ixesha lokuphumla. Ingaba ufike kwi-30% okanye i-50% kunoma yimuphi unyaka onikeziweyo awunandaba nangona nje ukuba inzuzo kunye nezihlawulelo ziqhubeka zikhula esibhakabhakeni ngokwezinga elingaphezulu kwexabiso lokunyuka kwamaxabiso kwaye limela ukubuya okuhle kwi-equity .
Yimitha esiyilinganisayo endlwini yam. Mna nomyeni wam sinemithombo yespredishithi ehlawula zonke izinto zethu zokubambisa kuwo onke amashishini ethu, iindawo zokukhusela zerhafu, iinkampani zomthetho, amathenda kunye neakhawunti. I-spreadsheet isetyenziswe ukukhangela i-sales-to-date-sales date, inzuzo, kunye nedatha yezabelo ukusuka kwisiseko sedatha, ukuhlaziywa njengoko ulwazi olutsha lukhutshwa. Emva koko kudala isitatimende sezemali esisibonisa ukuba izinto zethu ezinokuthi zibukeka njani ukuba zingabanye bamashishini abucala esinawo, njenge-mailman ye-jacket nkampani. Unyaka ngamnye, sihlala phantsi size sihlolisise indlela esiye sakhawuleza ngayo inzuzo esekelwe kwinqununu esisebenza ngayo; ingeniso enkulu kangakanani inzala yethu eyahlukileyo ifaniswa nexesha elidlulileyo; apho iifemu zanda okanye zinciphisa ukuthengisa. Intengo yemarike ixutywe ngaphandle, ingabi nentsingiselo kuba singenaso isicwangciso sokwenza nantoni na ngaphandle kokuba isinika ithuba lokuthenga ngaphezulu kwamashishini esicinga ukuba afanelwe neenjongo zethu zesikhathi eside.
Utyalo-mali olungundoqo # 4. Yiba neZingqinisiso zokuHlasela kwixabiso
Kukho umgaqo owodwa wemathematika ongenakukhuseleka: Ixabiso eliphakamileyo ohlawula ngayo i-asethi ngokumalunga nomvuzo walo, ukubuyisela kwakho ukuhlawula ngokuphindaphindiweyo . Yinto elula. Isitokisi esifanayo esasisityala-mali esibi kwi-40 yeesabelo ngasinye sinokubakho utyalo-mali oluhle kwi-20 nganye isabelo ngasinye. Kwi-Wall Street, abantu abaninzi bayalilibala le siseko kwaye, ngokudabukisayo, bahlawule ngeencwadi zabo.
Cinga ukuba uthenge indlu entsha nge $ 500,000 kwiindawo ezihle kakhulu. Kwiveki kamva, umntu uyakhonkca emnyango wakho kwaye anike imali engama-300,000 kwi-house. Uya kuhleka ebusweni babo. Kwimarike yemasheya, usenokuba nexhala kwaye uthengise inzala yakho ebantwini ngenxa yokuba abanye abantu bacinga ukuba kuxabiseke ngaphantsi kokuhlawula kwakho.
Ukuba ukwenzile umsebenzi wakho wesikolo, unika umgama okhuselekileyo wokhuseleko, kwaye ukhuthazwa malunga noqoqosho lwexesha elide loshishino, kufuneka ujonge ukunciphisa intengo njengethuba elihle lokufumana enye into entle. Ukuba ezo ngxelo ziyenyani, ngoko akufanele uthenge i-stock kwindawo yokuqala. Kunoko, abantu bathambekele ekuvuyiseni ngamasheya okunyuka ngokukhawuleza kwixabiso; isikhundla esingafanelekanga kubo bonke ababethemba ukwakha isikhundla esikhulu kwi shishini. Ingaba unokwenza umthamo wokuthenga iimoto ezininzi xa iForne neGeneral Motors yanda amaxabiso ngama-20 ekhulwini? Ngaba ufuna ukuthenga i-gesi ngaphezulu xa amaxabiso angama-gallon aphindwe kabini? Akunjalo! Kutheni, ngoko, kufuneka ujonge ukulingana kwinkampani ngokuhlukileyo? Ukuba wenza, kungenxa yokuba ungeyomngcakaza, ungenalo imali. Musa ukuzikhohlisa.
Utyalo-mali # 5. Ncitshiswe iindleko, iiNdleko kunye neeMali
Kwinqaku le- Frictional Iindleko: Intlawulo yeTyalo-mali efihlakeleyo , ufunde ukuba ukuthengiswa rhoqo kunokunciphisa kangakanani iziphumo zakho zesikhathi eside ngenxa yee-commissions, iintlawulo, ukucela / ukusabalalisa ibhidi, kunye neerhafu . Ukudibene nolwazi oluvela ekuqondeni ixabiso lexesha lemali , uyaqaphela ukuba iziphumo zinokudakalisa xa uqala ukuthetha malunga ne-10, 15, 25 ne-50-year-stretched.
Cinga ukuba ngawo-1960, kwaye uneminyaka engama-21 ubudala. Uceba ukuhlala phantsi ngomhla wokuzalwa oneminyaka engama-65, ukunika iminyaka engama-44 ekhulayo ngemali. Unyaka ngamnye, utyalomali i-R10 000 kwikamva lakho kwiimpahla ezincinane. Ngelo xesha, ubuya kuzuza i-12% yentlawulo yokubuya. Ukuba uchithe u-2% kwiindleko, uza kugqiba nge $ 6,526,408. Ngokuqinisekileyo akuyikuguquka kwe-chump ngamanqanaba omntu. Ukuba wayenokulawula iindleko zokuxhatshazwa, ukugcina ubuninzi be-2% kwipotfoliyo yakho enyanzelisa intsapho yakho, ubuya kuphelisa nge $ 12,118,125 ngomhlalaphantsi. Iphantse iphindwe kabini!
Nangona kubonakala kungenangqondo, umsebenzi oqhelekileyo ngokuqhelekileyo uyintshaba yeziphumo eziphambili zexesha elide. Njengomhlalutyi omkhulu omkhulu kwiinkampani zobunini bobucala benkxaso-mpahla enexesha elide elide landixelele, "Ngamanye amaxesha umthengi usihlawulela ukuba angabi nantoni na."
Utyalo-mali olungundoqo # 6. Gcina Amehlo Akho Avulelekile Ngethuba Ngamaxesha Wonke
Njengabo bonke abatyali-zimali abakhulu , umphathi-mali ohloniphekileyo we-mutual Peter Lynch wayehlala ekhangele ithuba elilandelayo. Ngethuba lokuhlala kwakhe kwi-Fidelity, akazange enze imfihlo yomsebenzi wakhe wesikolo: Ukuhamba kweli lizwe, ukuphonononga iinkampani, iimveliso zokuvavanya, ukuhanjelwa kolawulo, nokucebisa intsapho yakhe malunga nohambo lwabo lokuthenga. Kwamkhokelela ekufumaneni amanye amabali okukhula okugqithiseleyo emini yakhe ngaphambi kokuba iWall Street ibone ukuba ikhona.
Kuyafana nento yakho kwiphothifoliyo. Ngokugcina nje amehlo akho evulekile, unokukhubeka kwi- enterprise ezuzisa kakhulu kunokuba unakho ngokuskena amaphepha eBharons okanye Fortune. Ukuba udinga uncedo ukuqala, khangela Ukufumana Iingcamango Zotyalo-mali: Iindawo Ezifanelekileyo Zokufumanisa Amathuba Ayingenelo .
Utyalo-mali olungundoqo # 7. Ulwabiwo-mali ngeNkcitho yeThuba
Ngaba ufanele ukuhlawula ityala lakho okanye utyalomali ? Ukuthenga izibophelelo zorhulumente okanye isisitye esivamile? Hamba ngezinga elimisiweyo okanye umhlala-mboleko kuphela? Impendulo kwimibandela yezemali enjengaleyo kufuneka ihlale isekelwe kwixabiso lakho elilindelekileyo.
Ngendlela elula kakhulu, ukunyuswa kweendleko zokufumana ithuba kuthetha ukujonga zonke iindlela zokusetyenziswa kwemali kunye nokuthelekisa nalowo owanikezela ukubuyela okulungelelaniso oluphezulu. Ku malunga nokuhlola ezinye iindlela. Nasi umzekelo: Khawucinge ngentsapho yakho inekontra yeevenkile ezibucayi. Uyakhula ukuthengisa kunye nenzuzo kwi-30% njengoko ukwandisa kulo lonke ilizwe. Ayinakuyenza ingqiqo enkulu ukuthenga izakhiwo ze-estate nge-4% kwizinga le-cap e-San Francisco ngenxa yokunciphisa imali engenayo. Uya kugcina uhlwempuze kakhulu kunokuba ubungekho. Kunoko, kufuneka uqikelele ukuvula enye indawo, ukongeza ukongezwa kwemali eyongezelelweyo kubuncwane bentsapho yakho ukwenza oko uyaziyo ukuba wenze okulungileyo.
Uyabona ukuba ndisebenzisa i - returns yokulungiswa kwemingcipheko . Kwiimeko zendleko zokutyala imali, oku kubaluleke kakhulu. Awukwazi ukujonga nje umlinganiselo wesitifiketi uze uze kwisiphetho; kufuneka ufumane ukuhla kwezinto ezinokwenzeka, izinto ezinokwenzeka, kunye nezinye izinto ezifanelekileyo. Umzekeliso unokunceda. Zibone wena njengomgqirha ophumelelayo. Wena nomfazi wakho ninamaRandi ayi-150 000 kwi-mboleko yemali-mboleko yabafundi kwi-5%. Kule meko, akukhathazeki ukuba unako ukufumana i-10% ngokutyalomali loo mali, kunokuba bubulumko ukuhlawula amatyala. Ngoba? Ikhowudi ye-bankruptcy e-United States ithatha umboleko wesikolo-mboleko semali njengoluhlobo oluthile olunobuthi. Kungaba nzima ukukhupha. Ukuba usweleka emva kweebhilikhwe zakho, iifizi zokugqibela kunye nemigangatho yenzalo iya kuphuma ekulawuleni, kuxhomekeke kuhlobo lomboleko wesikolo. Unokwenza uhlolo lwakho loKhuselo lweNtlalo lulungiswe ngexesha lomhlalaphantsi. Kububi kakhulu, kwiimeko ezininzi kunezinto ezinjengee-mortgages okanye nokuba netyala lekhadi lesikweletu. Nangona kubonakala ngathi uyisilumko ngokuqala, kuyinkqubo enobulumko yokuphelisa ummandla wehlabathi ngexesha lempumelelo.
Nangona ulandela (kwimbono yam yobuchule, isilumko) isenzo sokuthengwa rhoqo kweengxowa-mali ngemali ebiza iindleko eziphezulu , umba wendleko uxanduva. Ngaphandle kokuba uphumelele kunokuba usapho lwangaphakathi, mhlawumbi awuyi kuzuza imali engenayo eyaneleyo ukuze ukwandise yonke imingcele yakho yomhlalaphantsi . Kuthetha ukuba kufuneka ujonge iinketho zakho ezikhoyo kwaye uzibeke phambili apho imali yakho ihamba khona kuqala, ukuqinisekisa ukuba ufumana ingqungquthela yengxowa yakho.
Masithi usebenza kwinkampani ene-100% engqinelanayo kwi-3% yokuqala yengeniso kwi-401 (k) icebo. Umvuzo wakho i $ 50,000 ngonyaka. Kule meko, abaninzi abacwangcisi bezemali baya kukuxelela into ehlakanipheleyo yokwenza (ekucingeni ukuba ungekhredithi) kuya kuba:
- Ingxowa ye-401 (k) ukuya kumyinge we-3% ohambelana nayo ukuze ufumane imali eninzi kakhulu. Kule meko, bekuya kuba ngu-1 500. Uza kufumana i-$ 1,500 ngemali ehambelanayo, ukubonelela ngokukhawuleza okungekho mngcipheko wemali yakho.
- I-Fund i-Roth IRA ukufikelela kumda ophezulu ovumelekileyo wenkxaso yakho kunye neqabane lakho. Zikulungcono kuneeNkcubeko ze-IRA kwiimeko ezininzi .
- Yakha isikhwama seenyanga ezi-6 esiphuthumayo kwi-akhawunti egciniweyo, i-akhawunti ye-akhawunti yokulondoloza inshorensi ongayisebenzisiyo.
- Buyela emva kwaye uhlawule imali yakho engama-401 (k) ukuya kumda wegalelo elisele. Nangona ungeke ufumane enye imali efana nayo, uya kukwazi ukuthabatha inkunkuma enkulu, kwaye imali iya kukhula i-akhawunti ngaphandle kokuba uthathe umhlalaphantsi okanye uyiphathe ngaphandle kokukhusela i-tax indawo yokuhlala.
- Thenga iimali zenkcazo, iimpahla zeblue blue, amabhondi, okanye ezinye iimpahla ngokusebenzisa iirekhodi zemali ehlawuliswayo kunye / okanye ufumane i-real estate kwingeniso yerenti ngokuxhomekeka kwiintetho zakho, izakhono, iphrofayili yengozi kunye nezibonelelo.
Ngokubambelela kwisicwangciso esifana nale, uyaqinisekisa ukuba imali iya kubelwa kwizinto ezisemgangathweni kuqala, ukunika uncedo kakhulu kuwe nakwintsapho yakho ukuba uphume ngaphandle kwemali ukugcina ngaphambi kokufikelela phantsi kweluhlu.