Akunakunciphisa umlinganiso wakho womqeshi
Ukuba unelungelo lokwenza umsebenzi kumqeshi onika i- 401k okanye esinye isicwangciso somhlala-phantsi kunye nenkqubo yomdlalo , uyisebenzise! Emva kokuba ubeke isicwangciso (oko kukuthi, xa ususebenze kwinkampani ixesha elide ukuba ube nelungelo elipheleleyo kunoma iyiphi nayinye inxalenye yexabiso le-akhawunti umqeshi wakho anikezele yona egameni lakho), loo mqeshi ufanisa nemali yakho, kodwa kuphela ukuba uye waba negalelo kwisicwangciso sakho.
Into ehla kuyo kukuba umlinganiso womqeshi ungumvuzo wamahhala kunye nokubuya okuhle kwi dollar yakho oya kufumana. Ngokomzekelo, ukuba umqeshi wakho ulingana nedola nge dollar ukuya kwi-3% yomvuzo wakho, ngoko kufuneka ube negalelo eli-3% nganye yokuhlawula kwisicwangciso.
Ngokwenza njalo, ugcine u-6% womvuzo wakho ngamnye ngonyaka kodwa ulahlekelwa ngaphandle kwe-3%. Ngokungasondeli umdlalo womqeshi ukushiya imali kwitafile ezingasetyenziselwa ukuxhasa uxanduva lwezezimali kunye nendlela ophila ngayo oyifunayo.
Ukuthatha iNgxowa-mali kwiAkhawunti yakho yomhlalaphantsi
Abantu abaninzi banophatha isicwangciso somhlala-phantsi somqeshi njenge-akhawunti yokulondoloza ukuba icebo livumela ukubolekwa kwemali mboleko, eyinto eqhelekileyo. Ukuboleka imali kwimali yakho yokugcina umhlala-phantsi kunokuyiphutha elibi. Xa uhlawula imali, imali owayifumayo kwindawo yokuqala yilahlekelwa ithuba lokukhula.
Xa uqonda iimpembelelo ezinamandla zokuqulunqa umdla, kufuneka uqaphele iindleko zithuba lokuphazamisa inkqubo. Ngelixa unokuzihlawula umdla, ngokuqhelekileyo akenzi ixesha elilahlekileyo.
Olunye umngcipheko owenzayo xa uthatha imali mboleko kwisicwangciso sakho somhlala-phantsi kuvela xa ushiya umsebenzi wakho ngaphambi kokuhlawula imali mboleko. Kwezinye iimeko, umboleko ungabalwa njengokusasazwa ukuba awuhlawulwanga ngokupheleleyo, oku kuthetha ukuhlawula irhafu kwaye mhlawumbi i-penalty ye-retrait early.
Ukungabonakalisi imali yakho.
Ibinzana elidala liya kuthi, "ungafaki onke amaqanda akho ngebhasikidi enye." Isiluleko esilungileyo, kwaye ngokukhawuleza sisebenza ngendlela yakho kwipotfoliyo yakho yokutshala imali, kodwa abantu bahlala bengayilandeli. Kulula ukufumana utyalo-mali xa i-marhwebo isebenza kakuhle, kwaye ukuxoshwa kwezo ntlawulo ezinkulu kunokubonakala ngathi yingcamango enhle. Ukubuya okulungileyo kukulingana neqanda leyona ndawo. Kodwa ngaphandle kokungafani kakuhle, uyazibeka phantsi kwengozi ephezulu kakhulu kwaye unakho ukubuyisela okungcono.
Ukungabi naluphi uhlobo lwezinto ezihlukeneyo kubaluleke kakhulu phakathi kwabo batyali-mali abafumana i-stock employer njengengxenye yeenzuzo zabo okanye iimbuyekezo.
Nangona kukho imithetho ejikelezileyo malunga nokuba nini kwaye ungakanani umthengi wakho ongasithengisa ngexesha elithile, ngokuqhelekileyo umkhuba obi ukugcina kuyo yonke isabelo esivumela ukuba ibe yingxenye enkulu nakakhulu yepotfolio yakho. Ekugqibeleni, iphothifoliyo eyahlukeneyo iya kukuncedisa ukunciphisa umngcipheko wakho ngelixa ukhulula ukubuyela kwakho.
Ukungabonakali kwiPortfolio yakho
Nangona ukudibanisa iipotifoliyo zakho zokutshala imali kubalulekile, akunakulungile ukuba ungabonakali ngokuphindaphindiweyo kwipotifoliyo yakho . Ngokuhamba kwexesha, iphothifoliyo eyaqala njengama-stock% ama-50 kunye nezibhondi ezingama-50% mhlawumbi ayiyi kuba yinto embalwa kwiminyaka embalwa okanye iinyanga eziphantsi komgca.
Ukuba ama-stocks afumana ixesha lokukhula okuphawulekayo, isabelo se-stock of your portfoliyo siya kukhula ngelixa iibhanki zakho ziyakhula kancane.
Oku kungalingani kungenza iipotifoliyo yakho ibe ngumxube we-70% wee-stocks kunye ne-30% izibophelelo, okulungileyo kukuba ukuxuba kulungele ixesha lakho kunye nokunyamezela, kodwa ukuba ibhalansi ye-50/50 yinto efanelekileyo, ngoku i-portfolio ibe yingozi ngakumbi kunokuba kufanelekile.
Ukutshatyalaliswa kwesiCwangciso sakho
Xa ushiya umqeshi oye wabamba i-akhawunti yomhlala phantsi, unokhetho oluninzi malunga noko ukwenza ngeakhawunti yakho. Okokuqala, ungayishiya kwisicwangciso, esingesona sikhetho esiyingozi xa ungenayo enye i-akhawunti yomhlala phantsi (njenge-IRA) apho ungafaka khona imali. Okwesibini, yenza i-trustee ukudluliselwa kwetrasti (eyaziwayo njenge-rollover ye-IRA) kwenye i-akhawunti yomhlala-phantsi ofanelekileyo njenge-IRA okanye isicwangciso sakho somqeshi omtsha.
Okwesithathu, unako ukuphuma. Yilapho iimpazamo ziqala khona. Abantu abaninzi banquma ukukhipha isicwangciso somhlala-phantsi wabo umqeshi xa beshiya inkampani. Eminye imali kunye nenjongo yokubuyisela imali kwenye i-akhawunti, kodwa kukho umlinganiselo omkhulu phakathi kokuphuma kunye nokugqithisa . Xa uphuma kwisicwangciso somhlala-phantsi phambi kobudala be-59½, awugcini nje kuphela kwintlawulo yengeniso kwixabiso lonke, kodwa nakwi-penalty ye-withdrawal yokuqala. Oku kunokuhamba ngokunyuka. Kubantu abathile, oku kuthetha ukucima ixabiso le-akhawunti kwisiqingatha!
Xa uqala ukutshintshwa kwe-trustee-to-trustee, ngakolunye uhlangothi, unako ukudlulisela yonke ixabiso le-akhawunti kwenye i-akhawunti efanelekileyo ngaphandle kokuhlawula irhafu okanye iintlawulo. Ngoko xa ushiya umqeshi, kufuneka uqikelele ukugxotha imali kwi-IRA. Oku akupheli nje kuphela nayiphi irhafu ekhoyo okanye ihlawuliso, kodwa ivula kwakhona amathuba akho okutyalo-mali (izicwangciso ezingama-401k zineendlela ezincinci zokutshala imali) kwaye mhlawumbi iyanciphisa kakhulu imali yokutsalwa kwezimali (izicwangciso ezingama-401k zihlala zineemali eziphezulu).
Ukukhubazeka ngamaChoice
Ukucwangciswa komhlala phantsi kuzaliswe imibuzo. "Ndifuna imali engakanani ukuba ndisindise?" "Ndifuna imali engakanani kumhlalaphantsi?" "Ziziphi iimali-mali ezifanelekileyo kum?" Nangona isicwangciso sokuthatha umhlala-phantsi sigcwele ukhetho olubalulekileyo, musa ukuzivumela ukungenzi.
Ukuphepheka nokungenzi nto mhlawumbi iiphosiso ezinkulu ozenzayo xa ucwangcisa umhlalaphantsi wakho. Ngoko thabatha izinto ngeyure. Ukususela kwixesha (kunye nomhlobo walo unyanzelisa inzala) yinto yakho ebaluleke kakhulu, into ebaluleke kakhulu ukuyenza nje ukuqala ukugcina nokutshala imali kwi-akhawunti yomhlala phantsi, nokuba ingaba isicwangciso somqeshi okanye i-IRA.
Emva koko, njengoko iqanda lakho linyama likhula kwaye usondela ngakumbi kumhlalaphantsi, qwaba usebenza kunye neComputer Financial Certified (CFP) ejongene nemali ukuxubusha isicwangciso sakho somhlala-phantsi kunye neendlela ozilungele zona.