Ukufumana Imali Yenzuzo Yentlawulo Yemivuzo Yenzuzo Yomhlala-phantsi
Ingeniso yeMali kaMasipala iyaxhaswa kwiiNkcazo zeRhafu kunye neNgeniso kaRhulumente
Cinga ukuba uneminyaka engama-65 ubudala. Awunayo ityala, yiba nekhaya lakho ngqo, kwaye ube ne-$ 500,000 ekulondolozeni, eyakhelwe phezu kwexesha elide lokusebenza.
Unokuzikhethela phakathi kokutyalomali kwiibhanki eziqhelekileyo kunye nokutyalomali kwiibhondi zikamasipala ezingenanto. Izibophelelo zenkampani zivelisa i-7%, kwaye iibhondi zikamasipala ezingenaspala zivelisa ama-5%.
Oko kuthetha ukuba izibophelelo zenkampani ziza kuvelisa i-$ 35,000 kwiingeniso zenzalo ngamnye ngonyaka, apho uhlala khona, uhlawula iibhilikhwe zakho, ugcine ukutya kwi-cupry kunye neyeza kwiikhabhinethi. Uya kufuneka uhlawule irhafu yentlawulo epheleleyo kule mali. Ngakolunye uhlangothi, iibhanki zikamasipala ezingenaserhafu, ngakwelinye icala, ziza kuvelisa i-$ 25,000 ngonyaka ngenzuzo yengeniso. Awuyi kuba netyala elilodwa kwi-Federal federal tax tax on these bonds if you are buying securities issued in your home state.
Yiyiphi na yezi zimbini ukhetho olungcono lokutshala imali kwipotfoliyo yakho? Ukuze ufumane impendulo yaloo mbuzo, kufuneka ubale into eyaziwa njengesivuno esifanayo . Ngokuqhelekileyo, i-bracket yakho yerhafu esezantsi, iibhondi ezinxulumene neyona nto iya kuba njengotyalo-mali, kanti i-bracket yakho yerhafu ephakamileyo, kubonakala ukuba kukho izibophelelo zomasipala.
Enye umgibe onokuyiphephela umkhuba omtsha otyalo-zimali kubonakala uthabatha obangela ukuba bacingisise ukubeka izibophelelo zikamasipala kwiiplani zomhlalaphantsi ezikhuselekile kwiirhafu ngenxa yesakhiwo sazo. Bu budenge! Nangona uhlala kwi-bracket yerhafu ephezulu efunyenwe e-United States, ingeniso kwi- 401 (k) isicwangciso okanye ezinye iakhawunti yomhlala-phantsi sele ikhuselekile kwi-IRS, ukwenza ubophelelo bequmrhu luvelise ukhetho olungcono kumbono werhafu kwiimeko ezininzi.
Umthetho osebenzayo: "Ukuchasisa ukutsalana: Ubunzima bokuhlawuliswa buya kuma-akhawunti angenahla-ntlawulo, kwaye iimbophelelo ezingenaserhafu zihamba kwiingxelo ezihlawuliswayo."
Iimali zeMasipala ziyakwazi ukugqithisa ngaphantsi kwamaSitokisi
Ngokuxhomekeke kubude beebhanki zikamasipala ubambe kwi-portfoliyo yakho yokutshala imali, i-asethi yakho ingashintsha ngaphezulu okanye ngaphantsi kwama- stocks . Ngokuqhelekileyo, isibophelelo kunye nobude obufutshane (enye ekhula ngokukhawuleza) iya kuguqulwa kakhulu kunesibophelelo sexesha elide (elikhula iminyaka emininzi kwixesha elizayo). Zonke izinto ziza nexabiso-ngoko ke umgangatho wezoqoqosho, "Akukho nto enjengokutya kwamahhala." Ubuncinane bobudlelwane bexesha eliphantse bahlala benandipha isivuno esincinci kunezibhondi ezide zide. Yiloo nto yokurhweba kufuneka uyenze. (Qaphela: Iimeko eziqhelekileyo zenzeka rhoqo emva kwamashumi embalwa eminyaka xa oku akukwenyaniso. Iyaziwa ngokuba yi "curve yield yield").
Abaninzi abatshali-mali abatsha bafumana i-Idea yokuTyala imali kwiimali zeeMasipala
Xa uthengisa ibhondi kamasipala kwikharityhulam ephambili, imali yakho inikwe ulawulo lwengingqi okanye urhulumente kwiiprojekthi ezenza ubomi bube bhetele kumntu oqhelekileyo. Ukuba uthengisa izibhanki ezikhutshwe sisikolo sesithili, imali yakho iya kusetyenziswa ukukwakha isikolo esitsha okanye i-gymnasium.
Ukuba uthengisa ibhondi kamasipala ekhutshwe likhaya lakho, imali ingasetyenziselwa ukwakha iindlela, amabhuloho, izibhedlele, izityalo zokuthuthwa kwamanzi kunye neminye imisebenzi kawonkewonke.
Kuzo zonke iimeko, umkhupheli wembopheleleko uthembisa ukuhlawula umdla kwimali yakho. Ngexesha elithile kwixesha elizayo, ngomhla wokuvuthwa, uthembisa ukubuyiswa kwexabiso lexabiso le-bond. Kwiimeko ezininzi, ngokuqinisekileyo kwimeko yesikhokelo sikamasipala esingenasiphelo, inokulingana nemali yemali owawubole umniki-mali.
Kuba abatyali-mali abaninzi, bebazi le nyaniso-ukuba uya kubuyela kwimali ethile kwixesha elizayo xa nje umkhupheli wombopheko engenzi phantsi - ukwenza ukuba izibophelelo zikamasipala ezingenasipho lula lula ngokwengqondo nangokomzwelo. Ndiyazi abantu abatyalile umhlala-phantsi abahleli kwiipotifoliyo ezisixhenxe ezifakwe zibophelelwano zikamasipala, abangenakucinga ukuguqulwa kwintengo kodwa abangenako isisu ngesigqibo sokubamba iintengiso, kungakhathaliseki ukuba umgangatho ophezulu, uncedo kangakanani okanye edibeneyo, nokuba wazi ukuba ngaphezu kwexesha elide, ama-stocks ahlalutye ngokupheleleyo amabhondi kwisebe elibuyayo.
Ngokucacileyo, njengengenangqiqo kunye nobuwula njengokuba kunjalo, abatsha-mali abatsha bacinga ngezibophelelo ngendlela ethile "ngokukhuselekileyo" kuneendawo ezinobungozi, ukunganaki izinto ezifana nomngcipheko wezinga lokunyuka kwamaxabiso . Nangona kunjalo, akudingeki ukuba utyalole kwiimpahla ukuzakhela ubutyebi ngoko ukuba ugxininise imali yakho kwiingxowa-mali ezingenasistim ezifana neentlawulo zikamasipala ezingenaserhafu ezikuvumela ukuba ulale ubusuku busuku, ngoko makube njalo. Akukho nto eyenza uzive ukhululekile nje ukuba ufikelele ekubuyeni okuphezulu xa uthengisa impilo yakho.