Ukwakha Ixabiso Lakho Elifanelekileyo Liyakhawuleza Ngale Nqununu Ezintathu Zokutyalomali
Hlanganisa Amandla Amandla e-Roth 401 (k) kunye neRoth IRA
Ukufumana inzuzo yokugqibela yomhlalaphantsi, ngokufanelekileyo, ukuba ufanelekile kwaye ubeke eceleni imali eyaneleyo ngokuphathelele ukuthintela iibhanki zakho zerhafu xa uya kukwenza ukurhoxiswa kamva ebomini, ukulungelelaniswa kwelinye ihoferari ukulungiselela abatyala-mali abaninzi, phantsi kweemeko ezininzi, mhlawumbi inxulumene neRoth 401 (k) kunye neRoth IRA . Phantse nabani na onokuvula i- Roth IRA kwisikripthi sokuthengisa isaphulelo kodwa ngeRoth 401 (k), kufuneka ube nethamsanqa ngokwaneleyo ukuba usebenze ishishini elinikeza omnye (ukuba ayenjalo, ukuphosa i-fit until they do - akukho zizathu zokungabi naso kwimenyu yekhetho lokuthatha umhlala-phantsi kule mini kunye neminyaka) okanye ube ngumqeshwa oziqeshisayo ukuze uvumeleke ukuba ufumane uRoth 401 (k) ngamnye .
Zomibini zee-akhawunti zomhlala-phantsi zikuvumela ukuba uncedise i-dollar emva kwentela (oko kukuthi, awufumani ukuthayibha irhafu kwixabiso elikhatyayo unyaka ngamnye ukuya kumda wokunikela , ngokungafani ne-IRA yendabuko kunye ne-401 rhoqo. (k) amanani), kodwa, phantsi kwemigaqo okwangoku isebenzayo, wena 1.) Ungaze uphinde uhlawule ipenethi kwiirhafu kwiintlawulo ezinkulu, izabelo, inzala, iireti , okanye enye ingeniso eveliswe kwiimpahla okanye izitokethi ezigcinwe ngaphakathi i-akhawunti ngokwayo, enikwe yonke imigaqo elandelwayo, 2.) unako ukuphepha ukuthatha izibonelelo ezifunekayo ezifunekayo (RMDs) xa ufikelela kwiminyaka engama-70.5 kwiRoth IRA, ekuvumela ukuba uhlalutye imali yakho yerhafu ngexesha elide (ngelanga, kufuneka ukuba wenze njalo kwi-Roth 401 (k) isicwangciso), kunye no-3) xa ufa, izindlalifa zakho ziyakonwabela phakathi kweminyaka emi-5 no-6 yendawo yokukhusela yentlawulo eyongezelelweyo, ngokuxhomekeka ngexesha elifanelekileyo lokufa kwakho, ngokuxhoma ngaphezu kwe-IRA.
Ukuba ungumtyalo-mali oswele umhlala-phantsi ofuna ukugcina yonke into onokuyenza ngaphandle kwezandla zikaRhulumente, kwaye ufanelekile (kungekhona wonke umntu uya kuthi), unokungongeza i-IRA yesigxina ngendlela ye-Akhawunti Yokulondoloza Impilo, okanye i-HSA. , ngaphezulu kwalokhu ukuthabatha imingcele yenkxaso yeminyaka yonyaka engayongeza kwimali ethile yangempela ngelixa ufikelela kwiminyaka yakho yegolide.
Esi sihloko esiyinkimbinkimbi ngaphezu kweli nqaku.
Bhalisela ukunyuka kwama-401 (k) Iminikelo
Uninzi lwabaqeshi abaphambili linikeza, ngokungabonakali ubuncinane, ukulungiswa kwemali yokunyuka kwamaxabiso ngonyaka. Oku kungabi nakuninzi, kwaye kungenakukugcina ekuthengeni amandla okulinganisela amandla , kodwa unokwenza ngokufanelekileyo ulungelelaniso lwezibonda ngokuya kwiSebe lezeLuntu kunye nokucela ukuba ubhalisele kwizinto ezibizwa ngokuba zikhula ngokunyuka kwama-401 (k) iminikelo.
Ungatsho into enjengale, "Ndifuna ukuba ungaligodli u-5% wam wokuhlawula kwam, ke ukwandise loo mali nge-2% yehokheji yam yonke yonyaka olandelayo kuze kube yilapho ubamba i-15% iyonke. 5% Ngonyaka ozayo, ungayigcina i-7%. Ngonyaka olandelayo, uya kubamba i-9%. Oku kuya kuqhubeka, ngo-6 ngonyaka, uthatha i-15% epheleleyo. " Ukuba benza njalo oku akunakwenzeka, unokuba ufuna ukuqhubeka ucinezela ngenxa yokuba ezininzi iifemu kufuneka zibe neendlela zokwenza esi sicelo, apho abasebenzi abaninzi abangazi nokuba khona.
Ukwenziwe ngokuchanekileyo, mhlawumbi awuyi kubona nayiphi na indlela eyahlukileyo yokuphila. Yenza ngokukhawuleza ngokwenza umsebenzi wakho, olo lungiso oluthile lunokubangela ukuba kube ngamashumi amawaka, nokuba ngamakhulu eenkulungwane, zeedola ezingaphezulu kwintsimi engaphezulu.
Ibuyela kwisigwebo esidala esenziwe esidumiweyo ngabadlayo abangabonakaliyo: "Ngaphandle kwamehlo, engqondweni." Kuyinyaniso ngemali njengoko kukutya. Njengoko kunjalo, le nto iyimfihlo emva kwecebo elithi "Zihlawulele okokuqala" elisebenza kakuhle kubantu abaninzi abanomhlalaphantsi.
Yakha iNgxowa-mali Yakho yoLondolozo lwezeMhlala-phantsi ngaphandle kweSicwangciso soThengiselo lweNtengo yokuThengisa
Ngaphambi kokuba sixoxe ngezicwangciso zokuthengwa kwempahla, makhe sixoxe ngokubaluleka kwexabiso lokungabikho komhlala-phantsi kunye "neendleko zokunyusa imali". Ngaphandle kokuba ukhule kwintsapho ecebileyo okanye ngomcebisi wemali owaqonda indlela yokwakha ukulungelelanisa, iimeko ezintle zentsapho yakho ayizange ikhulise i-assets yayo yokungeniswa kwemhlala-phantsi nangayiphi indlela enentsingiselo. Ihlazo ngenxa yokuba yenziwe ngokuchanekileyo, unakho ukufumana imirhumo yemivuzo okanye iindleko ngexesha lokusebenza kwakho iminyaka, idola ngalinye liyalima kwimpahla yakho yokuthenga imali eyongezelelweyo yengeniso .
Kulungile, ukuba ufa uqhubeka ubambe isitokisi okanye ukhuseleko olufanako, iindlalifa zakho ziyakuthi zifaneleke into into eyaziwa ngokuthi "ixabiso lokunyuka kweendleko". NgesiNgesi esicacileyo, oko kuthetha ukuba intlawulo oye uyihlawula izabelo iminyaka, mhlawumbi kwamashumi eminyaka, ngaphambi kokuba ibe yimpumelelo kwaye zonke iirhafu ezichaseneyo oye wazikhangela kwimbuyekezo ephezulu zixolelwe ngokuthe tye! Enye yezinto ezikufutshane kwixesha elisemasimini ekhululekile ngokwezomnotho abantwana bakho okanye abanye abaxhamli baya kunandipha. Musa ukuthobela umdla wakhe.
Khawucinge ngomfundi ophumelele eklasini ophumelelayo osindisa i-$ 10,000 ngonyaka. Ubeka imali ngaphandle kwaye ufumane amazinga abuyele kuwo. Unyaka ngamnye kwiminyaka engama-40 ezayo, u-Socks akhuphe imali engama-$ 10,000 kwi-savings yakhe engenakho utshintsho olulandelayo kwixabiso elondolozwe ukubonisa ukunyuka kwamaxabiso, ukutshala imali kwisitokisi esifanayo. Ngethuba lexesha, isiseko seendleko kwizabelo zakhe (siza kuthatha ukuba isahlulo esingenasabelo sehlawulelo ngenxa yokulula ukugxininisa kwinqanaba elikhulu) liza kuba ngama-400,000. Isitokethi ngokwayo siya kuba nexabiso elingamaRandi 4,425,926. Kukho iRhafu ye-4,026,926 ehlawulwa irhafu eyobe ihlawulwe ukuba ikhutshwe isikhundla.
Ukuba uyafa ngelixa ephethe isitokisi, kunjalo, abantwana bakhe (okanye ezinye iindlalifa) banikezelwa yonke i $ 4,425,926. I-IRS iqhubela phambili ukuzenza njengokuba ihlawule i-$ 4,425,926 epheleleyo kwisitokisini, nto leyo ithetha ukuba akukho ntlawulo ye-capital earnings ifanelekile ukuba ilahlwe ngokulandelelana.
Kutheni ungapheli nje izabelo ngexesha usaphila? Le nto ingaba isicwangciso serhafu solawulo lwezindlu kwalabo abangaphezu kwemida yokuxolelwa kwentlawulo yerhafu kwaye abafuna ukuxhamla ukukhutshwa kwentela yesipho sonyaka kodwa ngokuqhelekileyo ukunika imali ukuze bathenge amasheya amatsha ngqo. Ukuba uyasiphosa izabelo ngelixa usaphila, iindlalifa zakho azikwazi ukunyusa isiseko seendleko. Ummkeli kufuneka abike isiseko sakho seendleko zokuqala, nokuba ngaba yincinci nje yexabiso lentengiso ekhoyo. Ukuba azinjalo, i-IRS iya kuthatha iindleko ze-$ 0 ize ihlawulise yonke ixabiso lemarike ekutyaleni! Ngokufanayo, ukuba uthengisa isitokthi ngenkathi usaphila kwaye uyabanika isibonelelo, uhlawulisa irhafu, ekugqibeleni unciphisa ifa labo, nokuba kunjalo. Sithetha imali yangempela. Ngaphantsi kweemeko ezifanelekileyo, le nto i-$ 1,210,000 eyongezelelweyo okanye unokwazi ukubeka ezandleni zentsapho kunokuba izandla zezopolitiko, eziza kuzichitha kwiimfazwe kunye nezinye izinto ezingenangqondo.
Indlela ekhawulezileyo, eyinqabileyo, yokuqala ukwakha i-asethi njengaleyo kukusebenzisa ngokunxulumene nezicwangciso zokuthengwa kwempahla, okanye i-DRIP, apho amashishini amaninzi anika khona. Ezi ziintlobo zee-akhawunti ezikhethekileyo ezikuvumela ukuba uthenge ubunikazi ngqo kwi-corporation, ngokusebenzisa i-agent yokudlulisa ophethe amaphepha. Uninzi lwama- chips aluhlaza kwi-Fortune 500 hlawula konke, okanye ngokukodwa, zonke iindleko ukuze utyalomle nje nge-$ 50 ngenyanga ngaphandle kwentlawulo. Baza kuninika amaqhekeza angamaqhekeza ukuze ungalindelanga ukwakha ibhalansi yakho yemali ukufumana izandla zakho kwisitokisi esiphezulu. Unako ukubenza ukuba baqondise idilesi kwi-akhawunti yakho yokujonga okanye yokulondoloza ukuba ungathanda, ukudala enye imvelaphi yokuhamba kwemali kwindlu yakho.
Ndibhalile kwiblogi yam kwixesha elidlulileyo malunga nendlela intsapho yam isetyenziswe ngayo enye yale nto kum udade wam omncinci, owathi, kwiminyaka embalwa ekugqibeleni kwiikholeji, kufuneka abe ne-$ 15,000 engaphezulu kwii-Coca-Cola stock kwi-DRIP. Ukuba akalokothi asindise enye ipenny, kodwa ayikhohlwa malunga nesitokisi sakhe ngokupheleleyo, ngeli xesha ekufikelele ekupheleni kokuphila kwakhe kwithuba ebeza kuhlala kwi-$ 3,774,566 kwi-Coke stock esithatha isilinganiso semali yokubuyisela (apho, kwimeko yeCokeke, mhlawumbi ixhomekeke ekubeni sele ifumene ngokuthe ngcembe ithengi ngokubanzi ngo-3% ukuya kwi-4% malunga nekhulu leminyaka ngenxa yezo shishino eziqhayisa ukubuyiswa okuphezulu kwi-capital). Isiseko sakhe sexabiso siya kuba yi-$ 9,000 okanye kunjalo, bonke abanesipho. Abantwana bakhe nabazukulu baya kulidla ngaphandle kokuhlawula irhafu. Kukonke. Naphi na. Le yindlela emangalisa ngayo xa ihlala yodwa ixesha elide. Ukwazi indlela ikhowudi yentlawulo esebenza ngayo inokukunika inzuzo enkulu.
Kubalulekile ukuqonda ukuba abantu bokwenene kwihlabathi lokwenene bakwenza oku ngamaxesha onke. Oku akukona nje ukulandelwa kwemfundiso. Ininzi yamadoda nabasetyhini bayakha inqaba ngale ndlela. Ndandibhala ngenye i-millionaire eyimfihlakalo, ngeli xesha umgcini-mali osondelene nomvuzo osondeleyo, owakhele i-cache efihlakeleyo eyi-8,000,000 kwi-stocks ezathengiweyo ngokusebenzisa ezi ntlobo eziphantsi kweendleko okanye ezicwangcisiweyo. Wayefumana into efana namashishini angama-95-amashishini owaziyo njengeColgate-Palmolive, iCoca-Cola, uMcCormick, uJohnson & Johnson - ngokuthumela ngokunyanisekileyo ukunyamekela kwakhe ngokukhawuleza xa wayenako ukuthenga imali ngaphandle kwemranki . Emva koko wathabatha ingeniso engenayo kwi-checks and checks and dividends those dividends . Inxalenye epholile kakhulu? Akazange aqalise ukutyalomali ade aneminyaka engama-30. Le yayingekho enye i-bloom yokuqala eyayenza konke ngokufanelekileyo. Wahlala nje ebambelele kuyo, kuyo yonke into; iimakethe zeenkomo, zithwala iimakethi, iimfazwe, ukutshitshiswa kweoli, ukutshatyalaliswa kwezinto ezinobungozi, ukuhlaselwa kwamaphekula, utshintsho lomthetho werhafu, ukulawulwa kukaMongameli.
Kutheni abantu abangakumbi bathetha ngalezi zicwangciso? Azingabhenkco. Abantu bafuna ukuzityebi ngokukhawuleza. Ezi zinokukunceda ufumane ubutyebi, kodwa kuya kuthatha amashumi eminyaka yesigulane se- dollar ibiza imali . Ndiyifumene, uya kudala, mhlawumbi (ukuba unethamsanqa), ngoko kutheni ungalimi ixabiso leemithi ze-oki? Uya kufumana enye imthunzi kodwa abantu olahlekileyo banako ukuqala intloko ebomini ngokubulela ubulumko bakho nokuziphatha kwakho.