Ukuba Ufuna Ukuthatha Isityebi Sicebile, Gwema Ezi Ziphulo Zokuhlala
Kulula ukuba luncedo ekulondolozeni umhlalaphantsi, ufuna nje ukuzithemba kwaye kufuneka uhlale ucacile kwezinye iimpazamo eziqhelekileyo. Nantsi into ongayenziyo ukuba ufuna ukugcina umhlalaphantsi ophumelelayo.
01 Ukungahoyi iNkcazo yoMhlala-phantsi ngokupheleleyo
Ukuba awukwenzi ukugcina umhlala-phantsi kuqala, ngelishwa wenze iphutha elikhulu. Yimvakalelo eqhelekileyo: umhlalaphantsi usekude, into ongayilungiselela kamva. Ayonyani. Kungakhathaliseki ukuba unobutsha kangakanani, ixesha lokuqalisa likhawuleza xa ufumana imali engenayo . Ngenzuzo yentlawulo kunye neenzuzo zokuqulunqwa kwexesha, imali yakho ikhula ngokukhawuleza ekuqaleni kwakho kuqala. Ukuba ulahlekile ekuqalekeni kumncinane, qala ngoku ngokubanzi nawuphi na ubudala kwaye ubeke nje kancane kancane. Xa kuziwa ekuthatha umhlalaphantsi, ukungazi kuya kukhokelela ekuvuyiseni.
02 Ukungabonisi Umdlalo wakho
I-401 (k) nomdlalo womqeshi uncedo lomqeshwa ukuvakalelwa-ukungawuboni ukuba yimpazamo. Yithi umqeshi wakho uhambelana nxalenye yegalelo lakho ukuya kuma-6 ekhulwini. Yimali! Ibhonasi! Ukuphakanyiswa! Cinga ngolu hlobo nangona ufuna, kodwa ukuba ungancedisi ukuya kumdlalo wokudlala, usho ukuthi hayi ngemali.
03 Ukulibala i-401 yangaphambili (k)
Uneminyaka engama-401 (k) utyalomali ngonaphakade. Enyanisweni, awunayo enye 401 (k), unamahlanu 401 (k) s-omnye ngomsebenzi ngamnye owawusekholejini. Impazamo enkulu! Ukushiya indlela ehleliweyo ye-401 (k) iiplani emva kwakho ayiyi kukunceda ukwakhiwa komhlalaphantsi . Akunakwenzeka ukuba ubeke ingqalelo kutyalo-mali lwakho, ulwabiwo lweefa kunye nemirhumo, kwaye unokuba uhlawula imali eninzi kwiimali ezininzi ezingongezi naziphi na iintlobo kwiifotfoliyo yakho.
Esikhundleni saloo nto, gxotha imali ngaphandle kwe-401 (k) ibe yinto entsha: nokuba ngu-401 (k) kumqeshi wakho omtsha okanye i-rollover IRA. Ukuba utyalo-mali lwama-401 omtsha (k) ahlukeneyo kwaye iifizi zifanelekile, akusiyo ingcinga embi ukuhambisa yakho 401 (k) imali kumsebenzi omtsha . Kunomdla ukuba ube ne-401 (k) yakho yonk nut kwi-akhawunti enye. Nangona kunjalo, ukuba akuyiyo inketho, i-rollover IRA ilula ukuvula, kwaye ikuvumela ukuba uhambe yonke imisebenzi yakho 401 (k) kwi- akhawunti eyodwa edibeneyo .
04 Ukufumana i-Nickled neDeded
Ngaba ukhetha utyalo-mali lwakho ngaphandle kokuqonda oko uhlawulayo? Uyenza impazamo. Ukuba ubeka ingqalelo enye into malunga nokutyalomali, qwa lasela iirhafu. Nantsi oku ku funeka ukwazi:
- Kukho iimali ezininzi ezidityanisiweyo ezithengiswa ngaphandle kwee-commissions, okanye imithwalo, kufuneka uhlale ukhetha ukhetho olungenamthwalo.
- Ngengxowa-mali, imirhumo ibalwa njengepesenti yezinto zakho kwi-fund. Kubizwa ngokuba ngumlinganiselo weendleko , kwaye kufuneka ukuba ube ngaphantsi kweepesenti ezi-1 (ezantsi zingcono).
- Ngokuqhelekileyo, iimali ezibiza kakhulu zilawulwa ngokunyanisekileyo , oku kuthetha ukuba umntu uthatha utyalo-mali kwi-fund ngokuphathelele uhlalutyo lwakhe kunye nophando. Ulwahlulo lolawulo olusebenzayo lubonakalisa. Inkcazo yeengxowa-mali ityala kwiqela elikhethiweyo leenkampani ezimela inxalenye yemarike. Iimali zee-Index zithengi kwaye zivame ukwenza ngokusemthethweni okanye ngaphandle kwemali elawulwayo. Kwiimeko ezininzi, unokwenza ngokukhuselekileyo ukhetho lwekhowudi.
05 Ukukhupha Imali Ngaphambi Kwexesha Elifanelekileyo
Unokwenza konke ngokufanelekileyo ngesicwangciso sakho sokuthatha umhlalaphantsi, kodwa ukuba uhoxisa imali ngaphambi kokuba ufikelele kwiminyaka yobudala yomhlalaphantsi (okanye ubuncinane iminyaka engama-59 1/2, obuncinane ubuncinane bokuthatha umhlalaphantsi wokuthatha umhlala-phantsi), uya kulahlwa i-chunk kwiirhafu kunye neerhafu zokuhlawulwa . Ngaphezulu, uphoswa kuyo nayiphi na imali ekukhuliseni imali yakho eyayiqhubeka iyenza. Le mpazamo.
Ndiyazi indlela yokulinga ngayo ukuqwalasela imali yakho yomhlalaphantsi xa ufuna indlu yokuhlawula indlu, indlela yokuhlawula iindleko zonyango okanye iindlela zokufumana umsebenzi wokuqhawula umsebenzi. Ndiyicinga ngale nto. Kodwa kufuneka wenze isigqibo kwaye ugxininise ukuba isikhwama somhlala-phantsi sikhuphe umda. Yileyo ndlela ukwakha ubutyebi. I- 401 (k) mboleko yinto yokhetho ukuba unenanto ekunye ukuba ungene kwiimeko ezingxamisekileyo zemali , kodwa kukho iingozi. Ingcebiso yam engcono kukuqwalasela ukuba imali ilifa ongeyifumana de ubuncinane iminyaka engama-59 / 1/2.