Kuyafana neenhlekelele zemali.
Sathetha nabacwangcisi bemali kweli lizwe malunga neentlekele abazibonayo zichithisa izicwangciso zabaxhasi-kunye nendlela onokuzenza ngayo.
Ukuyeka ukuThengisa ukuThengwa kwe-Intshuwalense yobomi
"Ukuba uyabathanda abantwana bakho, fumana inshorensi yobomi," utshilo uChris Chen, umcwangcisi wezobutyebi kwi-Insights Financial Strategists eWaltham, eMassachusetts. Ukungaboni kakuhle, ewe, kodwa nakwi-target. Ubomshuwarensi bomi ayingakhethi xa unabanye abantu kuxhomekeke kwingeniso yakho, uchaza. UKelly Graves, umcwangcisi wezemali oqinisekileyo kwiCharrollte-based Based Planners, uCarroll uyavuma-kwaye ubona le ntlekele ebandakanya intsapho enezingane ezine eziselula. Uthi, "awuyi kuphepheka ukufa, kodwa unako ukuphepha ingozi yemali. Iimali ezilishumi umvuzo wakho uyisiqalo sokuqala, kodwa kubalulekile ukukhumbula ukuba awuyikutshintsha nje ingeniso, kodwa kunenzuzo, i-inshurensi yezempilo, iminikelo yomhlala-phantsi, ukufundiswa kweekholeji kunye nokunye.
Ngaphambi kokuthenga, kungenokuba yinto efanelekileyo ukuthetha nomcebisi-mali kuphela (umzekelo, kungekhona umcebisi oza kuzama ukukuthengisa inshuwalense yezempilo) ukuqinisekisa ukuba uthengisa imali efanelekileyo kuwe kunye lakho intsapho. Unokufumana umntu ohlawulwa ngeyure kwiNgcaciso yeCarrett Planning.
Ukuthenga iNdlu entsha ngaphambi kokuthengisa i-Old One
Njengoko kungekho nto efanelekileyo ukushiya umsebenzi omnye ngaphambi kokuba usayine iifowuni ngakwesibini, kufuneka ugweme ukuthenga indlu entsha uze udayise ngokusemthethweni umntu omdala- okanye ubuncinci ukuya kutsho iikontraki zisayinwe . Ngaphandle koko, uqhuba umngcipheko omkhulu wokuthengiswa kweentengiso (okanye uwela) ngokushiya ukuba uphathe uxanduva lweendawo zokuhlala ezimbini-kunye neeseti ezimbini zeerhafu zepropati, ukugcinwa kwamanye amazwe kunye nazo zonke ezinye iindleko ezihambelana nomnini-propati. USylan Kaplan, ongumongameli we-Kaplan Financial Services Inc. eNewton, eMassachusetts, onokuthi unabakhweli ababini kule meko. "Akukho nto ibuhlungu njengokuba uxhasa ezimbini zokuhlala." Kungenxa yoko isizathu sokuthengisa ezinye? Abantu bahlala bexhamla kwiindawo abahlala kuyo, ngoko banokuthi baveze ixabiso, ukulibaziseka nokubethekisa ukuthengisa. Ukulungiswa? Kungakhathaliseki ukuba intengiso ezayo ikhangeleka njani-nokuba ngaba u-realtor utshilo "into eqinisekileyo" -ukungayiboni indlu entsha ngaphambi kokuba uvale umcimbi omdala.
Ukunceda Abantwana abadala ... Kuninzi kakhulu
"Enye yeengozi ezinkulu eziye ndazibona nabathengi bam umhlala-phantsi ngaba inkxaso yabantwana [abasakhulayo]," kusho uKaplan.
Nantsi ingezantsi: Nitshatileyo ekulungele ukuthatha umhlalaphantsi kwaye inokwaneleyo ekulondolozweni mhlawumbi ayinayo imali eyaneleyo yokuxhasa abantwana babo abadala ixesha elide-ngakumbi ukuba abo bantwana abadala banemindeni yabo. Nangona iindleko zomhlala-phantsi zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zihlala zikhona (iindleko zokunakekelwa kwempilo zikhula kwixesha elizayo), iindleko zabafundi abadala ziyakwanda ngonyaka. Ngokusuka ngokukhawuleza ukunceda xa umntwana elahlekelwa ngumsebenzi okanye engenayo imali eyaneleyo yokuthenga ikhaya lokuqala, "ukulibaziseka okungenakwenzeka," kusho uKaplan. Iintsingiselo: Ukuba ekugqibeleni baya kufuneka bafumane omnye umsebenzi, batshintshe amasimu, bahambe okanye bagcine ngaphezulu. Yaye ukuba ubhalela imali kwaye umntanakho ulahlekelwa ngumsebenzi, unokuba ngumgca we-total sum.
UKelly Graves ufumene iingxaki ezifana nalezi zenza ezinye izicwangciso zezimali zabaxhasi bakhe.
Uthi: "Ngexesha elithile, kufuneka uzingca. Umele uthi, 'Ndiyifumene nale ngane kwiikholeji, ndaye ndaza ndaza ndixhalabele ngoku ngoku.' "Ngoko ke, ukuba ubona umntwana wakho omdala kwisitratho esichukumisayo, qalisa ukucela inkxaso kunye ncokola ingxoxo ehleli phantsi. Zama ukuxhaswa ngokunika oonxibelelwano, iingcebiso kunye nolwazi ngeli xesha ngexesha elifanayo ukuba ubazise ukuba nangona uya kuhlala ukhona ngenkxaso yemoya, awukwazi ukunceda ngemali.
Ukulondoloza Umhlala-phantsi Kusesikhatywe kwiMidlalo okanye ...
Nanku umthetho omhle wesithupha: Londoloza umhlala phantsi nangona ucinga ukuba awuyi kuphinda uthathe umhlalaphantsi. "Andizange ndidibane nomntu ondixelele ukuba bayaxolisa ukuba basindise kangako njengoko benzayo," kusho uKen. Okwangoku nje xa bekwenza. Lezo iidola ezinqanyuliweyo kude kwi-20s kunye ne-30s zifana neqhekeza elihle lokuqala. Bangakwazi ukukhula iminyaka emininzi kwaye unokubukela umlingo wokuqulunqa kwisenzo. Ukuthi: Thatha umntu oneminyaka engama-30 ubudala ofumana i-$ 60,000 ngonyaka obeka iipesenti ezili-10 zengeniso yakhe engaphambi kwentela ngaphandle komhlala-phantsi okanye i-$ 500 ngenyanga. Ngama-65, ngokuthatha i-7 yeepesenti ngonyaka, uya kuba ne-906,000. Ukuba wayevukile endleleni kwaye wandise iminikelo yakhe yokufanisa, wayenokuningi. Kodwa ukuba wayelinda kude kube ngu-40 ukuba aqale ukucofa i-$ 500 awayedlule, wayenayo i-$ 407,000 engama-65 ubudala. Nangona waqala ngegalelo eliphakamileyo-lithetha i-$ 750 ngenyanga, akayi kubamba. Wayebetha 65 kunye ne $ 611,000 kuphela. Iphuzu: Qala kusasa. Gcina rhoqo.
... Ukunqanda iStash Stash oye wakha
Kwaye, ngelixa ulapho, thintela ukuboleka imali yakho engama-401 (k) , kwakhona, uthi uDavon Barrett, umhlalutyi kwi-Francis Financial yaseNew York. U-Sophia Bera, umsunguli weGen Y Planning, wafumana abathengi kule meko emva kokufaka iindleko eziphezulu zokuhamba, kwaye naye ubona nabantu bezama ukuhlawula ityala lekhadi lesikweletu. Imithetho ye-401 (k) mboleko ithetha ukuba uza kuhlawula umdla kuwe kwimali-mboleko ekuhambeni kwexesha, kodwa kukho iingqungquthela abaninzi abantu abazicingayo xa beboleka imali. Imali iya kuphuma kwisicwangciso, oku kuthetha ukuba ulahlekelwa kulolo kukhula. Ngelixa uhlawula ngokwakho, awukwazi ukukwazi ukuxhasa ngokupheleleyo inkxaso. Kwaye-enkulu-ukuba uyishiya inkampani ngesizathu esithile, loo mboleko ngokuzenzekelayo iya kuba yimihla engama-60 iintsuku. Ukuba awukwazi ukuyibuyisela, uyaphathwa njengokrhoxiswa, oku kuthetha ukuba uhlawule irhafu yengeniso kunye nesigwebo se-10 sepesenti.
Ukuthatha umhlalaphantsi kwangaphambili ngaphandle kokuhlola imeko yakho ye-inshorensi yempilo okanye iSicwangciso B
Njengombono wokuthatha umhlalaphantsi kwangoko? Ngubani ongenziyo? Kodwa yenza uphando lwakho ngaphambi kokuba udibanise i-trigger-ingakumbi ukuba uceba ukuphuma ngaphandle kwabasebenzi ngaphambi kokuba uneminyaka engama-65 ubudala kwaye ufanelekile kwi-Medicare. "Ndinamakhasimende ahlawula imali engama-$ 2,000 nganye ngenyanga ngenyanga yomshuwalense wezempilo ngenxa yokuba bahlala umhlalaphantsi ngaphambi kokuba babe ne-Medicare abafanelekile," kusho amaGraves. Intshuwalense yezempilo ingabiza i-dollar ephezulu xa inkampani yakho ingathathi ezinye iindleko. Nangona usebenzise i-COBRA-inkqubo evumela abantu abafanelekileyo ukuba baqhubeke nokufikelela kwimpilo yabo yezempilo kwiinyanga ezili-18 emva kokushiya umsebenzi-ezo xabiso azixhaswanga. Umthetho wenza ukuba izibonelelo zifumaneke kuwe, kodwa ngaphandle komncedi womncedisi, uya kukhankanya umlinganiselo ofanayo owenzela ngamnye umntu kwi-inshurensi yezempilo. Ukulungiswa: Yenza zonke izibalo phambi kokuba uthathe isigqibo sokuthatha umhlalaphantsi ukuze uqinisekise ukuba ulungele imali. I-AAR ine-calculator yomhlalaphantsi engakuqalisa.
Ngokufanayo, ukuba uthabatha umhlala-phantsi usebenze ixesha elide okanye uthathe uhlangothi lwegigs, kodwa xa luhla kuwo, unokufumana lukhuni kunokuba ucinge. "Kufuneka ube neendawo phambi kokuba unqande ibhanti yokuthutha," kusho uKaplan. Ngoko ngaphambi kokuba uhambe kude ne-gig yakho yexesha elipheleleyo, kubalulekile ukwazi ngokuqinisekileyo ukuba unemali eyaneleyo yomhlalaphantsi. (Vanguard inomlinganiselo wokufumana umhlala-phantsi oqhathaniswa nento onokuyenza ngoku ngokuya kuyifunayo.)
Ukuzama ukuThengisa iMarike
Ekugqibeleni, ixesha kunye nexesha kwakhona, uphando lubonise ukuba ngokwemitha, i-index elawulwa ngokukhawuleza ixilongo ixilongo ephathekayo. Njengabantu, sinqwenela ukucinga ukuba siyazi kakuhle-ukuba isiqhelo singasitshela apho imali yethu iya kukhula ngokukhawuleza kwaye i-guts yethu iya kusixwayisa xa kufike ixesha lokuphuma. Inyaniso kukuba uhlobo lokuzithemba ngokweqile lungasenza sibuyele xa kufike kwimbuyekezo yeemarike. Ihlobo lasekupheleni, ngenxa ye-Brexit kunye nokungaqiniseki kokhetho, omnye umthengi kaBarrett wayeziva ukuba imakethi yase-US ibangelwe ukulungiswa. Nangona kukho izilumkiso ezivela kubacebisi, wathuthela yonke imali yakhe kwi-akhawunti enye ngenkokhelo, ekulindeleke ukuba ayibuyisele kwimarike emva kokulungiswa. Waphoswa kwi-15 yeepesenti ekubuyiselweni kwemakethe yaseMelika ngonyaka odlulileyo. "Ekuhambeni kwexesha, awufuni ukubeka onke amaqanda akho kwibhaksi enye kunye nokubheja kwento engacacile," kusho uBarrett. Musa ukubeka umngcipheko ngekamva lakho lemali kumzingeli-khumbula udlala umdlalo omde.
Kunye neHayden Field