Iindlela ezili-9 zokuvelisa umvuzo weRhafu

by Dana Anspach

Izatifikethi ze-01 zeDistim kunye nezinye i-Investment Safe

I- CD yiSatifikethi seDispositi esikhishwe yibhanki. Ngokuqhelekileyo i-FDIC iqinisekisiwe kwaye ixesha elide liyi-CD yakho, iphakamileyo yentlawulo oyifumanayo.

Iinkonzo: Inqununu iphephile.

Umqhina: Esi sicwangciso siza kuvelisa ingeniso engenayo yangoku. Ingeniso iyahluka ngezinga lentengo njengoko i-CD iqokelele kwaye ivuselelwe. Ingeniso ayinakuqhubeka nomlinganiselo wokunyuka kwamaxabiso. Ngokuxhomekeke kwimilinganiselo yenzalo, kunokufuna imali eninzi yokwenza umvuzo wokufumana umhlalaphantsi oyifunayo. Inzala esuka kumaCD i-100 ekhulwini ityala ngaphandle kokuba unayo i-CD ngaphakathi kwe-IRA okanye i-Roth IRA.

Xa kuziwa ekukhetheni phakathi kweendlela zokungenisa imali ezikhuselekileyo zithathe ixesha lokufunda ukuba zingasetyenziselwa njani inxalenye yepotfolio yakho kunokuba zonke iiphothifoliyo yakho. Ngale ndlela, ungasebenzisa ezinye iindawo ukutyalomali kwizinto ezinokuthi zinikezele imali ephezulu.

02 Bondered Bonds

Ikhonkco, njengeCD, inomhla wokukhula. Unokuthenga izibophelelo (okanye iiCDs) ngoku ukuze ziqokelele kwiindawo ezahlukahlukeneyo zexesha elizayo xa ufuna ukufumana ingeniso. Kukho ezininzi iintlobo zeekhonkiloni ukwenzela ukuba ukhethe izibophelelo ezikhuselekileyo zikaRhulumente ezikhuphekileyo, okanye iinkonzo ezikhutshwe ngokugqithisileyo ezikhutshwe ngamashishini.

Iinkonzo: Iibhonki ziyakwazi ukubonelela ngeniso engaphezulu kweCD okanye enye inketho ekhuselekileyo. Unokufanisa ukukhula kwezibhanki kunye neemfuno zokuhamba kwemali. Ukuba unqanaba eliphezulu lentela ungasebenzisa izibhonkco zikamasipala ezinokungenise imali engenayo irhafu kuwe.

Umhlala-mali: Ingeniso ayinakuqhubeka nomlinganiselo wokunyuka kwamaxabiso. Ngokuxhomekeke kwimilinganiselo yenzalo, kunokufuna imali eninzi yokwenza umvuzo wokufumana umhlalaphantsi oyifunayo.

Ukwakha iphothifoliyo yezibophelelo kunokuba nzima ukwenza ngokwakho, ngoko kubalulekile ukuqonda indlela yokutyalwa kwinqanaba lokubambisa ngaphambi kokuthenga izibophelelo ngokulandelana.

03 Ingeniso yeSahlulo seMpahla

Ezinye iisitokethi (ezibizwa ngokuba yi-Dividend Artistocrats) zinomlando wokwandiswa kwemivuzo ngamnye kunyaka kunye nemali yesahlulo sokwabiwa kwempahla esivumelekileyo ukuvumela ukuba utyalomali kwiqela lezi sitoksi yonke kanye.

Iziphumo: Ngokomlando, inkunzi iya kukhula, kwaye iinkampani ngokunyuka ziyakwandisa izabelo, ukubonelela ngeendlela zokufumana umvuzo wakho ukunyuka ngexabiso lentengo. Ukongezelela, ezininzi iinkampani zihlawula izabelo ezifanelekileyo ezihlawuliswayo kwizinga eliphantsi kunenzuzo yengeniso.

I-Cons: Iinqununu ziyashintsha ngexabiso kunye nemakethe. Iinkampani zinokunciphisa okanye ziphelise amaxabiso ngexesha lamaxesha amanzima.

Ihlawulela ukuqonda indlela umvuno wesahlulo esitokisini osebenza ngayo ngaphambi kokuba uhambe ufune isivuno.

04 Utyalo-mali ophezulu

Olunye utyalo-mali luhlawula izivuno eziphezulu; inokuba yindlela yokuboleka imali yangasese, iimali ezivaliweyo, okanye intsebenziswano emfutshane. Qaphela-isivuno esiphezulu esivame ukuza nezingozi eziphezulu.

Iinkonzo: Ixabiso eliphezulu lemali engenayo yokuqala eyenziweyo.

I-Cons: Iinqununu ziya kuguquka kwixabiso. Utyalo-mali oluvunyiweyo oluphezulu lunokunciphisa okanye luphelise ukusasazwa kwabo ngexesha lobunzima. Utyalo-mali olusenyuka phezulu luhlala lukhuphe ngaphezu kweendlela ezisezantsi zokunikezela.

Utyalo-mali oluphezulu lwezityalo lunokuba yingozi kakhulu. Ngamanye amaxesha umngcipheko owongezelelekileyo unika imali engenayo kwi-akhawunti yakho.

05 Ukurhoxiswa ngokusesikweni kwi-Portfolio

Iphothifoliyo enokulinganisela inamasheya omabini kunye nezibophelelo (ngokuqhelekileyo ngokwemali yemali). Ukurhoxiswa kweenkqubo ngokubonelela ngeendlela ezizenzekelayo zokuthengisa isixa esilinganiselweyo sezinto kwi-akhawunti ngamnye unyaka ukuze ukwazi ukurhoxisa kwi-akhawunti ukuhlangabezana neemfuno zakho zokufumana umhlalaphantsi.

Iinkonzo: Ukuba kwenziwe ngokuchanekileyo, le ndlela inokuvelisa inani elincinci lokufumana ingeniso lokunyuka kwamaxabiso emali. Inxalenye yesitokisi inika ukukhula kwexesha elide; inxalenye yesondlo yongeza ubume.

I-Cons: Iinqununu ziya kuguqulwa ngexabiso kwaye kufuneka ukwazi ukunamathela kwisicwangciso sakho ngexesha lokuhla. Ukongezelela, kunokubakho iminyaka apho uya kuyidinga ukunciphisa ukuhoxiswa kwakho.

Indlela yokulinganisela iphothifoliyo kulula ukuba ilandele kwaye iguquguquke ngokwaneleyo ukuze imelane nokunyaniseka kwemakethe. Funda isilinganiselo sokuhoxiswa kwemithetho oyifunayo ukuyisebenzisa ukunika le ndlela indlela enkulu yokuphumelela.

06 Annuities ngokukhawuleza

Iinkampani zomshuwalense zikhupha izivumelwano ezibizwa ngokuba yi-annuities. Ngomhla wokukhawuleza ngokutshintshiselwa isamba sentlawulo, ufumana ingeniso yobomi.

Iingeniso: Imali engenayo yokuphila-nangona uphila iminyaka eyi-100.

Umthamo: Ingeniso ayiyi kugcina intlawulo ngexabiso lentengo ngaphandle kokuba uthenge ukunyuka kwamaxabiso okutshintshiselwe ukuhlawula (okuya kuba nohlawulelo oluphantsi). Ukuba ufuna ukuhlawula okuphezulu kunako ukufumana inqununu, kwaye akukho naliphi na inqununu inokuyidlulisela kwiindlalifa.

Ukuhlawulwa ngokukhawuleza kunokuba yindlela efanelekileyo yokufumana ukuhamba kwemali eninzi xa ufuna ukuhlawulwa okuphezulu kunokwenzeka kwinqununu yakho yangoku. Funda i-ins kunye nokuphuma kwenyanga ngaphambi kokuba uthenge.

07 I-Income for Model Model

Le ndlela isebenzisa into ebizwa ngokuba yindawo yokwakheka kwexesha ukwenzela ukufanisa utyalo-mali lwakho kunye nexesha ekufuneka lifuneka. Inika inkqubo enengqiqo malunga nokuba lukhulu kangakanani ukubeka utyalo-mali olukhuselekileyo kunye nokuba lukhulu kangakanani ukubeka utyalo-mali olujoliswe ekukhuleni.

Iinkonzo: Kulula ukuqonda kwaye unako ukunikela iziphumo ezinkulu.

Umgca: Ngendlela ecocekileyo, eli qhinga libandakanya ukuthatha ingozi yokutshala imali, kodwa ingaguquleka ukuze usebenzise iimveliso eziqinisekileyo.

Ndizikhethele ingeniso yomhlala-phantsi kwaye le ndlela yindlela endikhethayo yokunikezela ngeniso yomhlala-phantsi-ndiyisebenzisa lo hlobo lwemodeli kodwa gcwalisa iinqununu ngeendleko zeekhonkco kunye neenkcukacha zokukhula. Iziqwenga zingagcwaliswa kunye nezinye iindlela ezifana neeCD, iimali zenkcazo, i-annuities, njl. Khangela ingeniso yesicwangciso sobomi bekhonkco apho unokufunda khona.

08 I-Annuity ehlukileyo kunye neNkcazo yeNgeniso eqinisekisiwe

I-annuity eguquguqukayo inkontileka ekhishwe yinkampani yenkampani yinshuwalense-kodwa ngaphakathi kwi-annuity ikuvumela ukuba ukhethe iphothifoliyo yemali-mali-based based. Into eyenziwa yinkampani yomshuwalense yinkxaso-mali yokufumana ingeniso yokuphila eqinisekisa ukuba utyalo-mali awenzi kakuhle, uya kuba ne-income pension.

Izinzuzo: Ingeniso eqinisekisiwe yokuphila engagcina isantya kunye nokunyuka kwamaxabiso xa kuthengiswa imarike. Iinqununu zihlala zikhona ukuba zidlulele kwiindlalifa.

Umnxeba: Unako ukufumana iimali eziphakamileyo kunezinye iindlela-kunye nemirhumo ethile kwimveliso inokuphakanyiswa kangangokuthi uyanyanzelekile ukuba uthembele kwiiqinisekiso njengoko utyalo-mali bengenakukwazi ukufumana ngokwaneleyo ukunqoba iindleko.

Ndiya ku nya niseka, oku kuluhlu lwam encinci lokufumana umhlala-phantsi. Bayi-inshurensi-kunye nale mveliso uqinisekisa ingeniso yakho yesikhathi esizayo-kwaye oko kudla ngokubiza. Nangona kunjalo, xa isetyenziselwa isahlulo semali yakho, kwaye xa iirhafu zifakwe kuyo, ezi mveliso ezilawulwa yi-IRA zingangena kwisicwangciso somvuzo wokuthatha umhlalaphantsi.

09 Isicwangciso soLwabiwo lweeNdawo zokuHlaliswa koMhlalaphantsi

Xa ukhangela zonke iinketho ezitholakalayo, uninzi lwexesha elikhethiweyo licebo elisebenzisa ezininzi izigqibo ezixoxwa ngazo. Injongo yesicwangciso sokwabiwa kwempahla yesabelo somhlala-phantsi asiyikuphakamisa ukubuyela-kukunyusa imali engenayo yokuphila. Leyo njongo eyahlukileyo kunokuba ulwabiwo-mali lwentengiso-mantra ye-maximal return return unit unit.

Iinkonzo: Udibaniso lweengcamango zengeniso zomhlala phantsi ezibizwa kule slide bonisa ngokuqhelekileyo okufunekayo ukudala umlinganiselo wokufumana umvuzo wakho kwiimfuno zakho.

Umqhina: Unomsebenzi omningi ukuwubeka ngokufanelekileyo, kodwa iiyure zocwangciso zinganelungelo lomzamo kwiinyanga kunye neminyaka ezayo!

Ukuba usondele kufuphi nomhlalaphantsi, into ebalulekileyo kufuneka uyazi ukuba ukutshala imali yomhlala-phantsi kufuneka kwenziwe ngokwahlukileyo. Ufuna inzuzo ebomini-kungekhona isitshixo esishisayo.

Okwangoku, kufuneka ulungele ukusebenzisa ezi ndlela ngendlela edibeneyo. Kwaye khumbula ukucwangcisa-ukucwangcisa akukona ukulingana komlinganiselo omnye. Iimeko kunye neendawo ezizodwa kufuneka ziqwalaselwe.