Kodwa ngelixa libonakala lifana ne-gimmick enokuthi yinto enyanisekileyo, kukho iindlela ezisemthethweni zokuba ungaziphinda imali yakho ngaphandle kokuthatha nayiphi na ingozi engadingekile, ukunqoba ilotto okanye ukubetha igolide.
Nazi iindlela ezintathu zokuncedisa ukuphinda imali yakho emibini.
Ukuchitha ngaphantsi kunokuba uzuze
Isixa esishiywe phezu kwakho ukugcina kwakho.
Gcina iindleko ezintathu zeendleko zakho zokuhlala kwi -fund yengxowa-mali .
Emva koko, qala ukutshala imali yakho yonke imali.
Unokuyifaka imali kwiingxelo zomhlala-phantsi, ezifana ne-401 (k) okanye i-IRA, okanye unokutshala imali yakho kwi-akhawunti yokurhweba. Ukuba uthengela iimali zenkcazo ezilawulwa ngokungapheliyo (ingxowa-mali efanisa inkcazo jikelele, njenge- S & P 500 ), utyalo-mali lwakho luya kwenza kunye noqoqosho jikelele.
Ukususela ngo-1990 ukuya ku-2010, i-S & P 500 ibuyele iipesenti ezili-9 ngonyaka malunga nomyinge wexesha elide. Oko kuthetha ukuba kunoma yimuphi unyaka onikeziweyo, amasheya ayenyuka okanye awile. Nangona kunjalo, ukuba uhlale utyalomali kule minyaka engama-20 ubudala, kwaye ubuye wabuyisela yonke into eyifumanayo ngokuzenzekelayo, unokufumana ngemali engama-9 ekhulwini ngonyaka.
Musa ukulibala, ngo-1990 ukuya ku-2010 lixesha lexesha elibandakanya ukuhanjiswa kwamakhulu amabini. Ngamanye amazwi, andizange ndizenzele i-cherry-ithathe iminyaka eqineleyo ukwenza ukuba iipesenti ezi-9 zibuye.
Iipesenti ezili-9 zibuyela njani ngokumalunga nokuphindaphinda imali yakho?
Ewe, uMthetho we-72 uyindlela efutshane ekuncedayo ukuba uza kuthatha ixesha elide ukuthatha utyalo-mali lwakho. Ukuba ulwahlula umyinge wonyaka wokubuyela kwi-72, unokufumana ukuba unyaka oza kukuthabatha ukuba uphinde kabini imali yakho.
Masithi, umzekelo, ukuba ulindele ukufumana inzuzo yeepesenti ezili-9 ngonyaka.
Hlukanisa ama-9 ukuya kwe-72, kwaye ufumanisa inani leminyaka likuthatha ukuba uhlaziye imali yakho, eyiminyaka esibhozo.
Ngokuchitha imali engaphantsi kokufumana, ukutyalomali kwezo zigcinwe kwingxowa-mali elandelela i-S & P 500, nokubuyisela imali yakho kwimali, unakho ukuphindaphinda imali yakho ngokuphindaphindiweyo kwiminyaka emithandathu, uthatha imarike yemasheya yenza njengoko yenziwa ngo-1990 ukuya ku-2010 ngamaxesha amandulo .
Ukuxolisa imali yakho yonke iminyaka yesibhozo ivakalisa kakhulu, akunjalo?
Invest in Bonds
Uxube lwakho lweempahla kunye nezibophelelo kufuneka zibonise ubudala, iinjongo kunye nokunyamezela. Ukuba awufanelanga iphrofayili yomntu omele atyalole kakhulu kwii-equities, njenge-S & P 500 yeenkcukacha zezimali, unokukhangela kwiibhondi ukuba uhlawule kabini imali yakho.
Ukuba iibhondi zakho zibuyela kuma-5 ekhulwini ngamnye ngonyaka, ngoko ngokoMthetho we-72, uya kuba nako ukuphindaphinda kabini imali yakho yonke iminyaka eyi-14.4.
Oku kungathi ukukhathazeka emva kokuba uva nje ngabatshali-mali abanokuphinda kabini imali yabo kwiminyaka eyisibhozo, kodwa khumbula, ukutyalo-mali kukufana nokushayela emgwaqweni omkhulu. Bobabini abaqhubi abahamba ngokukhawuleza kunye nabaqhubi abahamba ngokukhawuleza baya kufikelela ekufikeni kwabo. Ukwahlukana kuphela ngumyinge wengozi abawenzayo ukwenza.
Ngokuthobela umda wokukhawuleza, uzibeka kwisikhundla apho ufike khona kwindawo yakho yokugqibela kwindawo enye.
Ngokubethelwa kwi-accelerator, abatyali-mali bangakwazi ukufikelela kwindawo yabo yokugqibela ngokukhawuleza ... okanye ukuphazamiseka nokutshisa.
Kuyinyaniso ukuba ukuqhuba ukuqhuba ngokuhlala kusengozini, njengoko utyalo-mali luhlala lusengozini. Kodwa utyalo-mali oluthile lukubeka kumazinga aphakamileyo emngciphekweni kunabanye, njengokuba ukungathobeli umda wokukhawuleza kukubonisa ingozi enkulu kunokuthobela umda wokukhawuleza.
Umgca ophantsi: Unokuziphinda kabini imali yakho ngokutyalomali kwiibhondi. Kungenzeka ukuthatha ixesha elide, kodwa uya kunciphisa umngcipheko wakho.
Thatha inzuzo yoMdlalo wakho woMqeshi
Ukuba umqeshi wakho uhambelana neminikelo yakho kwi-401 (k) , unendlela elula kakhulu, engenayo ingozi yokuphindaphinda kabini imali yakho ekhoyo. Uza kunyuka ngokuzenzekelayo kuyo yonke idola oyibekayo kumdlalo wakho womqeshi.
Makhe sithi, umzekelo, ukuba umqeshi wakho ulinganisa ama-50 engama-dollar onke obeka kuyo ukuya kuma-5 ekhulwini.
Ufumana ipesenti ezingama-50 "buyela" kwigalelo lakho. Yiyo kuphela ukubuyiswa okuqinisekileyo kwihlabathi lokutshala imali.
Ukuba umqeshi wakho akahambisani no-401 (k) wakho, ungadikibali. Khumbula ukuba usenokufumana inzuzo yentlawulo ngokufaka isandla kwiakhawunti yakho yomhlalaphantsi. Nangona umqeshi wakho engafani nelinye negalelo lakho, urhulumente uya kuxhasa isabelo sawo ngokukunika ukuhlawulwa kwentela ngaphambili okanye ukukhutshwa kwentela phantsi kwendlela (kuxhomekeke ekubeni usebenzisa i-akhawunti yeNdabuko okanye yeRoth ngokulandelanayo ).
Inkcazo yemali ye-Equity, izibophelelo kunye nokusebenzisa ama-akhawuntini yomhlala-phantsi ziindlela ezintathu ezinkulu zokuphinda kabini imali yakho.
Khawukhumbule ukuba zonke ezi zintathu zala maqhinga zibandakanya ukudala nokugcina isabelomali esomeleleyo .
Yakha uhlahlo lwabiwo-mali olukhokela apho iidola zakho ziya kuhamba ngenyanga. Kuya kukunceda uchithe ngaphantsi kokufumana. Emva koko unokutshala imali.
Ngamanye amazwi, isiseko sexesha elizayo lezemali liqala ngebhajethi yakho.