Oku akufanele kube yinto emangalisayo. Ngamazwi omtsalane-mali oqhelekileyo uBenjamin Graham, imali elahlekileyo ilahlekile ifikelele ukubuyisela okufutshane ngaphezu kwesinye isono semali. Xa uthetha ngemali ongenakuyenza ngaphandle-nokuba ingaba ukuxhaswa kwephahla phezu kwentloko yakho, iindleko zonyango, ukulungiswa kwemoto, okanye ingxowa-mali yokuxakeka ngokukhawuleza xa ulahlekelwa ngumsebenzi wakho, kufuneka ukhumbule uzama ukufeza.
Le mali "yokugcina" imfuno kufuneka ifumaneka kuwe kwiincinci nje iintsuku ezimbalwa. Imela imali engenziwanga ukuvelisa ukubuya ngenxa yokuba inenjongo eyodwa kwaye awufuni ukuthatha ingozi. Inkunzi yakho inoxanduva lokukhulisa ubutyebi bakho.
(Ngokwemiqathango elula, "i-capital" yimali oyibeke eceleni ngenjongo yokwenza imali kuwe, nokuba uthenge amasheya esitokisini kwishishini, uqale iqela lakho ekhaya okanye utyalomali kwiibhondi zemali engenayo.
Imali oyilondolozayo emsebenzini ngo- 401 (k) okanye 403 (b) isicwangciso , umzekelo, iya kuthathwa njengengxowa-mali yomhlalaphantsi.)
Iintlekele ezininzi zezemali zibangelwa kwisigqibo esibonakalayo singenasici sokwamkela ingozi engaphezulu kunokuba unokukwazi ukufumana. Ngokuqhelekileyo, kuqala ngokuzigweba isigqibo kuwe ngokwendlela, "Ndiyazi ukuba ilula, kodwa kuya kusebenza ngokuqinisekileyo." Oku kunokuba yinyaniso ngokuphindwe kwezihlandlo ezithoba kwishumi kodwa xa izinto zihamba ezantsi, imiphumo ingaba eziphazamisayo, zombini ngokwezimali nangokomzwelo.
Kuphi ukuTyala imali yakho yokuhlawula imali
Oku kushiya umbuzo: Yintoni onokuyenza ngayo ngemali oyigcinayo yokuhlawula? Kukho iindawo ezimbalwa zeendawo ezifanelekileyo ukugcina ngokukhuselekileyo loo mali ide ifike ixesha lokuthenga ipropati yakho. Ziquka:
Ii-akhawunti zeBhanki eziqinisekisiweyo ze-FDC
Ezi ziquka ukubheka iakhawunti kunye ne-akhawunti yokulondoloza kwiibhanki zamalungu e-FDIC. Awunako kuphela ukufikelela kwimali yakho kwixesha eliqhelekileyo leebhanki ngaphandle kwesohlwayo, ukuba ibhanki yakho ihluleka, urhulumente uza kukubuyisela kwi-100 000 yeeRhafu (okwenyuka okwesikhashana ukuya kuma-250,000 kwi-depositor ngamnye ukuya kuDisemba 31, 2013). Kulabo abahlala phantsi kwemida, oku kwenza ukuba i-akhawunti ifune i-akhawunti, njengoko ziyaziwa kwishishini, kungabikho mngcipheko.
I-FDIC Iimqinisekiso zeeNkxaso zeeNtlawulo (i-CDs)
Ukunikezelwa ngamaziko e-FDIC amalungu eemali ezifana neebhanki ezininzi zasekuhlaleni, isatifikethi se-deposit sisisigqibo esithile esikontraki apho uboleka imali ebhankini malunga nesixa esithile sexesha, zithi inyanga ezintathu okanye kwiminyaka emibili, ukutshintshela inani eliqinisekileyo yokubuya . Ngokuqhelekileyo, xa uvumelekile ukubopha imali yakho ebhankini, inzala enkulu baya kukuhlawula.
Ukuba awuyidingi imali yakho ixesha elithile elingaba lilungile.
Ukuba ufuna ukufikelela kwimali yakho ngokukhawuleza kunokukhula ku-CD, ibhanki inokukuhlawulisa ubuninzi beemfuno ezintandathu ezintandathu njengesihlwayo. Kwiakhawunti engxamisekileyo enokufuna ukuyifumana kwixesha elifutshane, oku kwenza kubekho ukukhetha okulungileyo. Ukuba uyazi ukuba awuyi kuthengela ikhaya, yithi, ubuncinane ubuncinane kweenyanga ezintandathu, unokufumana imigaqo efanelekileyo ngokuthenga i-CD.
Iimithetho zeeMali zeSebe leMelika
Ezi zibophelelo zikaRhulumente waseUnited States ovuthiweyo kunyaka omnye okanye ngaphantsi. Ziyabonwa njengenye, ukuba kungekhona, inqabileyo kuzo zonke indawo ukupaka imali yakho. Kungenxa yokuba ngamnye uBhili weNondyebo uxhaswa ngamandla agunyazisiweyo ka rhu lumente ngoko, kwinqanaba, ukusilela kungenakwenzeka. Uya kuthengwa iindleko zeNondyebo kwisaphulelo kwaye xa zivuthiwe, ufumana "ngokupheleleyo". Le nto inengqiqo xa unemali eninzi esele igcinwe ukuhlawula kwindlu yakho.
Uya kufuna ubuncinane i-$ 10,000 okanye i-20,000 zamawaka ukuze wenze okusebenzayo.
Iimali zeeNkcazo zeMali-kodwa ayikho imali yeeMali zeMarike
I- akhawunti yemarike yemali kwibhanki yakho yendawo inokuba yindlela ephakamileyo yokukhusela imali yakho ngelixa uzuza amanqanaba aphezulu amanqanaba ngokubhekiselele kwindlela omele uyibeke ngayo. Ezi ngxelo zihlala zixhasiwe yi-FDIC, ikukhusela kwiingxaki ezinokwenzeka xa ibhanki yakho ingaphumeleli.
Ngenkxaso-nye, isikhwama semarike yemali, ngakwinye icala, utyalo- mali oluthile oluninzi oluthile lokuthenga imali oluthenga zonke iintlobo zeempahla ezilinganayo zemali. Ezi ngokuqhelekileyo azikho i- FDIC eqinisekisiwe. Njalo, rhoqo, ngaba soloko ndihlala ndithetha njalo - cela umnini-bhanki wakho okanye ingaba i-akhawunti yakho yemarike yemali inge-insured ye-FDIC. Ukuba kunjalo, kufuneka ibe yindawo ekhuselekileyo yokupaka imali yokugcina imali. Ukuba akunjalo, ungacingi ngento.
Iimali zeMali yaseMelika
Izibophelelo zokulondolozwa kwe-US zivela kwiintlobo ezibini eziphambili: I- Series Series I-bond yokonga kunye ne- Series EE yokugcina imali . Zombini zinenzuzo ezikhethekileyo. Ukuba uneminyaka engaphezu konyaka ukungafuneki imali yakho yokuhlawula, zibonelela ngeenzuzo ezinkulu kuba abatyali-mali baqinisekisiwe ukuba bangalahlekelwa yimali. Lelo nqanaba lokukhusela libaluleke xa usebenza ngemali oyifunayo, njengokuba uhlawula imali yentlawulo ye-estate.