Amanyathelo asebenzayo ukukhusela ingeniso yakho yomhlalaphantsi
Isigaba sakho sokuphila
Ukuchitha imali phantsi komhlalaphantsi kunokugqitywa zibe zigaba ezintathu, iminyaka yokuhamba, inkqubela yokuhamba, kunye neminyaka engabikho.
Ngethuba lokuthatha umhlalaphantsi kwangaphambili (kwiminyaka yokuhamba), ukuchitha imali kuphezulu. Abathathe umhlala-phantsi bahamba, bathenge, igorfu, intlanzi, kwaye banandipha ixesha labo. Ngokuxhomekeke kwimpilo lesi sigaba sichitha iminyaka engama-55-75.
Emva koko uze iminyaka ehamba ngokukhawuleza, apho ngenxa yempilo okanye ubudala, uhlala ekhaya ngakumbi, kwaye uthengise kwaye uhambe ngaphantsi. Ukuchitha imali emigqabini yokuguqulwa kwamanani emveliso kuye kwaboniswa ukunciphisa ngeli nqanaba, elithatha ububanzi be-70-85 yobudala.
Ngexesha lokungabikho kweminyaka, ukuchitha imali kwiinkathalo zempilo kufaka indawo eye isetyenziswe kwizinto zokuzonwabisa. Kwimimiselo yokuchithwa kwexabiso lokunyuka kwexabiso lentengo yokunyuka kwexabiso lentengo yexesha eliqhelekileyo, ngokuqhelekileyo kwiminyaka eyi-80 nangaphezulu.
Umvuzo wakho
Inqanaba lakho lokufumana umvuzo libuye lenze umlinganiselo wokunyuka kwamaxabiso. Ukuthatha umhlala-phantsi ophezulu (imivuzo engama-75k yonyaka kunye neyona ndlela iphezulu) kunendawo yokuhlawula ixabiso lokunyuka kwizinto eziyimfuneko - ukunyuka kwamaxabiso akunayo impembelelo embi kweli qela. Ukwenyuka kwemali engaphantsi kwemali yokuthatha umhlalaphantsi kunyuke kwizinto ezisiseko ezifana nokutya, amandla, kunye nezokwelapha kuthatha i-bite enkulu kuhlahlo lwabiwo-mali.
Xa kulunge ukuphumelela umhlalaphantsi, ukukhetha kwam kuqala kukuthatha iindleko ziya kunyuka ngo-3% ngonyaka, ngokuhambelana nemilinganiselo yexabiso lokunyuka kwamaxabiso . Emva koko siqala ukusebenza "ngokuchitha ixesha-ngaphezulu ngoku cwangcisa" okungathi intsingiselo encinci yanda emva koko. Olu hlobo lokucwangcisa lunokuvumela imali engakumbi kwiminyaka yokuhamba.
Injongo kukufumana ukulinganisela phakathi kokunandipha ubomi ngoku - kunye nokugcinwa kweemali ezinokwaneleyo kwi-akhawunti yokuphila kwangaphambili.
Kukho amanyathelo athile onokuyithatha ukuze uqinisekise ukuba umvuzo wakho wokuthatha umhlalaphantsi unokunyuka ngokunyuka kwamaxabiso. Nazi izinto ezintathu onokuzenza ukukhusela amandla akho okuthenga esizayo.
1. Yenza oku ngakumbi kwikhuseleko lwakho loluntu
Ukhuseleko lwezeNtlalo luye lwahlengahlengiswa ngokuzenzekelayo oluthile lokuphila. Lona luhlobo oluyingcipheko lokuphila kwamanani entengo-mali kunye nokucwangciswa kobuchule kunokukunceda ukuba uphumelele. Phantse kwisithathu sakho uza kuxhomekeka kwi-Social Security ukubonelela nge-90% yengeniso yakho yomhlalaphantsi. Ingaphezulu kwesiqingatha sakho uza kuxhomekeka kwiKhuseleko loLuntu kwi-50% yengeniso yakho yomhlalaphantsi.
Enye yezona zinto ezibaluleke kakhulu ongayenza ukuze uzikhusele kumaxabiso akhulayo kukuqinisekisa ukuba ufumana uncedo olukhulu lwezoNcedo lweNtlalo (kubini kunye neqabane lakho).
2. Khetha utyalo-mali oluphakanyiswa ngamaxabiso
Olunye utyalo-mali kunye nemveliso ye-inshurensi banokuthi baqhubeke behamba ngokunyuka kwamaxabiso kunabanye. I-trade-off ingaba yingeniso encinane ngoku, kodwa enye ingeniso kamva. Iinqununu ezingezantsi zihlelwe kwiindawo ezikhuselekileyo, eziphakathi kunye nezobudlova.
Investments Safe
Investment Risk ephakathi
Investment Aggressive
Kuthiwani ngeGolide? Nangona kukho inkolelo evamile yokuba ukuphatha igolide kuyindlela efanelekileyo yokukhusela ukunyuka kwamaxabiso, kwigolide elidlulileyo kuye kwaba yintambo engcono kunokuba i-hedge ye-inflation. Oko kuthetha ngexesha lokunyuka kwexabiso elincinci, igolide ayigcinanga, kodwa ikhula ngexesha leemeko.
3. Hamba uhlaza, kwaye ukhule umyezo
Ukuba ulindele ukuba umlinganiselo wokunyuka kwamandla emveliso ukukhawulela, into engcono kakhulu ongayenza kukuthenga yonke into ongayifumana ngoku, kwaye uzenzele ngokwaneleyo kunokwenzeka. Qala ngalezi ngcamango:
- I-Stock Up - Ukuba unenkxalabo yokuba amaxabiso aya kuvuka ngokukhawuleza, ukubeka impahla kwizinto ezizinzileyo ngoku.
- Yiya kuGreen - Yenza ikhaya lakho libe namandla ngendlela enokwenzeka, ukunciphisa ukubonakala kwakho ekunyuseni kwamaxabiso emandla.
- Ukukhulisa umyezo - Khulisa ukutya kwakho, kwaye ukuba unako, ukufumana imfuyo, okanye ubuncinane iinkukhu. Uya kukhishwa kwixabiso lentengo yokutya, kwaye ukuba kuyimfuneko, uya kuba nenjongo yokubambisana nayo.
- Hamba, uhamba ngebhayisikili , Hamba- Hlala kwindawo yokuhlala apho uhamba khona, uhamba ngebhayisikili okanye uthathe uhambo lwezithuthi zoluntu kwiimfuno zakho zemihla ngemihla. Oku kunciphisa ukuxhomekeka kwakho ekunyuseni ukunyuka kwe-inshurensi, igesi kunye nezindleko zokugcina.