Qaphela Ngezinto Ezibonakalayo Zenza "Izinto Eziqhelekileyo" ezicwangcisiweyo
Kukho iimpazamo ezidangayo abantu abazenzayo ngaphambi komhlalaphantsi. Zininzi zezi mpazamo ziqhelekileyo ukuba nabani na onokuzenza. Mhlawumbi oko kwakubonakala ngathi isicwangciso esilungileyo ngexesha elibuyela emva kwaye lilimaza ngokwemali endleleni. Okanye, mhlawumbi ulahlekiswe kwaye awufumani iingcebiso ezifanelekileyo. Ukuze kuphephe ukuba yingxenye yenkxalabo yomhlalaphantsi, kubalulekile ukuba nolwazi malunga nale mpazamo emithathu kunye nendlela yokuziphepha.
Ikhonkco # 1: Akunakunikelwa Iminikelo Yakho yomhlalaphantsi
Xa kuziwa ekwenzeni umnikelo wokuthatha umhlalaphantsi, kukulungele ukukhupha i-401 yakho (k) ukuba iyafumaneka kumqeshi wakho. Kubalulekile ukuba ukhumbule ukuba ukugcinwa kwentela phambi komhla womqeshi ka-401 (k) kuya kukushiya ngaphezulu kwiipokethi zakho kunokuba uyagcina emva kwentela. Ukubhalisa ngokuzenzekelayo kuye kwanceda ukwandisa inani labasebenzi abathatha inxaxheba kwiinkampani ezithile, kodwa kwezinye iimeko, abasebenzi babhalise ngokuzenzekelayo ukugcina imali engaphantsi kwexabiso abaza kulukhetha. Kubalulekile ukugcina iso kulo. Kananjalo unakho ukuxhobisa okanye ukufumana ukugcina kwakho. Khumbula ukuba ezinye iiplani zivumela ukuba ukhulise ngokuzenzekelayo inani owenza ngalo unyaka ngamnye. Ukuba uneminyaka engama-50 okanye ngaphezulu, unakho ukulungele ukufaka imali yokongezwa eyongezelelweyo ngokusebenzisa igalelo lokubamba.
Imfake # 2: Imali engaphezulu kweeNgxowa-mali
Nangona utyalo-mali aluyi kukhululeka, kubalulekile ukuba ufundiswe ngemali eyahlukileyo eya kuba nefuthe elikhulu kwi-savings yakho yomhlalaphantsi.
Iimali zengxowa mali. Thetha kumcebisi wakho malunga nemali engekho mthwalo. Le mali ayikho imbuyiselo okanye i-back-end fees, kwaye ayinayo nayiphi na imiqobo yokungena okanye ikhona. Unokuphinda ubuze malunga neeklasi zokwabelana ngezikolo eziqhelekileyo ngeemali zonyaka.
Iinkqubo zorhwebo zokuthengisa. Kwiminyaka edlulileyo, kusenokubakho iindleko ezingamakhulu ama-dollar (okanye ngaphezulu) ukuqhuba urhwebo lwee-securities.
Ngoku, unokuvula i-akhawunti ye-brokerage ye-intanethi uze wenze urhwebo nge-$ 15.
Iindleko zokusebenza zengxowa-mali zangaphakathi. Abaphathi be-Mutual fund bahlala bephila kwixabiso lemali yeengxowa-mali. Iindleko ziyahluka kwiimali eziphezulu, "imali" elawulwayo efuna ukukhupha i-market ukuze ichonge imali ebeka ingqalelo ekubuyiseleni ukuthengiswa kwemarike.
Phawula kwiimbopheleleko kunye nokukhutshwa kwemibandela entsha. Qaphela ukuba abacebisi kwiibhanki ezinkulu kunye namafayili omrhweba angathengisa iibhanki kunye nemasheya kwi-inventory yabo yeefenethi, phawula ixabiso xa bathenga wena, kwaye ugcine umehluko.
12-b 1 irhafu. Imirhumo ye-12b-1 iyimirhumo yokuthengisa ukuba iinkampani zengxowa-mali zihlawula abacebisi kunye neefemu ezibeka abaxhasi babo kwingxowa-mali.
Ikhonkco # 3: Ukuthatha ubunzima kwiimali zakho zokugcina umhlalaphantsi
Ebomini, unokuzifumana kwiimeko ezingaxakekanga zemali kwaye uzive ukuba indlela yodwa yokufumana imali eyongezelelweyo yimali ngokuthatha imali kwi-401 yakho (k). Kufuneka uqonde zonke iintlawulo zerhafu ezihamba kunye nokuthatha imali ebolekayo kunye nokuthi uza kuthintela njani ukukwazi ukufikelela kwi-savings yakho. Ngokomzekelo, ukuba ucinga ngokuthatha i-loan mboleko yokukhubazeka, khumbula ukuba kufuneka ukhuphe ngokupheleleyo kwaye ugcine ukukhupha imali kwi-401 yakho (k) ngaphandle kwesihlwayo.
Ukuba ukhangele ukufumana imali yeendleko zemfundo ephakamileyo, i-401 (K) iya kuhlawulisa isohlwayo se-10%, kodwa ukuhanjiswa kwe-IRA ihlawulwe ngesihlomelo.
Isiphelo
Kukho inani leempazamo ezongeziweyo zokukhusela umhlalaphantsi. Phakathi kwabo bathatha umngcipheko omkhulu, behluleka ukudibanisa kunye neqabane okanye iqabane, elijongene nokunyuka kwemali, kunye nokubophelwa ngetyala, nje ukubiza ezimbalwa. Ukuze ufumane inkcazo epheleleyo yee mpazamo kunye nendlela yokuziphepha, khuphela le khokhelo yamahhala, "Iimpazamo zokuthatha umhlala-phantsi ngokunyanisekileyo."
Ukongezelela, ungalibali ezi zihlanu iziphakamiso eziya kuvula indlela yakho ukuba ube ngumhlala-phantsi ovuyayo:
- Qala ukusindisa kwangethuba. Khumbula ukuba ipeni elondoloziweyo namhlanje likhulu kakhulu kunokuba imali isindiswe kusasa.
- Qondisisa into oyifunayo kwibhajethi yakho yenyanga ngokuthatha umhlalaphantsi ngaphaya kokuthi ukhuseleko lentlalo luya kunikezela, kwaye uphawule iminye imijelo engenayo "ukuzalisa igebe."
- Ukuhlawula ama-500,000 amawaka kwi-savings for retratirement.
- Yiba nesicwangciso sokuphelisa imali yakho yokuthenga ngemali ngexesha lokulungele ukuthatha umhlalaphantsi.
- Sebenzisa ngokuhlakanipha. Ngelixa unokuba nemali yokuthenga loo moto entsha okanye indlu enkulu, ngaba uyayifuna ngempela?
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi 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. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.