Qhubekani Umsebenzi Olungileyo Oqalayo Kwi-20 yakho kunye ne-30
Njengama-30 yakho, akusoze kubekho ixesha elibi lokuhlala phantsi kwaye uphawule isicwangciso esilula okanye icebo lokufezekisa kwaye ufumene iinjongo zakho zemali. Isicwangciso sakho esilula 30 sigxile kwimhlala-phantsi, imfundo yabantwana, iimali zoshishini kunye nokunyamezela kwakho inzuzo yokutshala imali. Esi cwangciso esifanayo kufuneka senzeke minyaka yonke.
Isicwangciso se-40 esilula
Ixesha lokubeka isicwangciso sakho esilula 40. Umxholo wale minyaka elishumi kukukhumbula ukuba yimarathon, kungeyi-sprint.
Uya kufuna ukuqhubeka nokwakha kuwo wonke umsebenzi owenzayo kwisicwangciso sakho sezimali kwiminyaka yakho-20 nangama-30. Qinisekisa ukuba uquka iinkalo ezi sixhenxe kwisicwangciso sakho:
1. Qhubeka konke. Okwangoku, i-401K okanye 403B yakho kufuneka ipheke, kwaye ii-IRA zakho kufuneka zifakwe kwaye zongezwe kwinyanga nganye. Ukuba usanda kuba nabantwana kwaye ungasetyenzisanga ii-akhawunti zokulondoloza ikholeji njengesicwangciso se-529 okanye isicwangciso sokulondoloza imfundo, akukho xesha linjengoku. Qhubeka uxubusha kunye neqabane lakho malunga neenjongo zakho, osebenza ngokugcwele okanye ngexeshana, kunye neenjongo zakho kunye.
2. I-Cash yinkosi. Ingxowa apha ibhekisela kwimali yokugcina imali, imali engxamisekileyo kunye nekhefu elifutshane. Iinyanga ezilishumi ukuya kwezilishumi elinambini zemali yemarike yemali, iiCD, kunye nezibophelelo zangexesha elifutshane aziyi kucebisa kwiphepha, kodwa ziya kukunika uxolo kwengqondo, ukuthengiswa kwempahla kunye nokuguquguquka okuza kwenza uzive ucebile. Esi sikhokelo semali siza kukunika ukuguquguquka komsebenzi, kukuvumela ukuba uthathe inzuzo yamathuba emisebenzi emfutshane okanye ephakathi kwithuba elide lokufumana i-degree degree ( ewe nakwi-40s yakho ) okanye ukwazi ukuqala okanye ukudibanisa iqumrhu elitsha loshishino.
I-cash equals flexibility, kwaye uxolo lwengqondo oluhamba kunye nalo luxabisekileyo.
3. Umsebenzi. Qhubeka ukhangele umsebenzi wakho njengokuba ungayifumana isitokisi okanye ibhondi. Enye indlela ingaba yingozi kakhulu ngemiphumo ephezulu. Enye; ukhuselekileyo, uqikelele ngakumbi, kwaye uzinze ngakumbi. Oku kufuneka kukuchaphazele indlela osebenzisa ngayo utyalo-mali.
Yenza umngcipheko wakho wotyalo-mali ngokuchasene nomngcipheko wakho wemisebenzi Ukufumana ezinkulu, ukubetha okanye ukuphosakela imisebenzi yolu hlobo njengempahla yokuthengisa impahla, iqinisekisa ukuba utyalo-mali olusisigxina. Ootitshala besikolo esiphakathi okanye oongikazi kufuneka bajonge umsebenzi wabo kunye nokuhlawula njengokhuselekile kunye nokunyaniseka, ukwandisa inani lomngcipheko onokuthatha kwi-portfoliyo yabo yokutshala imali.
4. Ingeniso. Kaloku ukuba uneminyaka engama-40, indlela yakho yomsebenzi kunye nolwalathiso luyilungele kakuhle ukuba uyayithanda okanye cha. Akuthethi ukuba awukwazi ukutshintsha isilathiso esihle, kodwa kufuneka ube negalelo elihle kakhulu malunga nento wena kunye nomlingane wakho oza kuzuza ngonyaka. Eli lixesha lokuba neengxoxo eziqhubekayo kunye neqabane lakho malunga nokuba ngubani okhululekileyo usebenza ngokugcwele okanye nxalenye yexesha.
5. I-Autopilot. Okwangoku, iqhosha le-autopilot kufuneka libandakanye ngokugcwele "kwisigaba sokuqokelela-inxenye II," njengenxalenye ndaqalisa kwiminyaka engama-30. Okwangoku, awudingi ukukhathazeka ngesigaba sokusabalalisa, njengoko kuya kuza kamva Ubomi xa iqela lakho linyama lwakhiwe. Qhubeka ugcina i-10% yengeniso yakho eninzi njengenjongo encinci, kodwa ukugcina i-15% okanye i-20% kuya kwenza ukuba le minyaka isebenze kuwe. ukuhlanganiswa.
Nantsi umyalelo:
* 401k (ukuya kumdlalo)
* I-ROTH okanye i-IRA yesigxina
* 401k (ukuya phezulu xa kunokwenzeka)
* Emva kweerhafu zeakhawunti
6. Iimpawu: Ukwahlukana, ukwabiwa kwempahla, kwaye ugcine iirhafu kunye neerhafu eziphantsi. Impendulo elula apha yi-Exchange Traded Funds (ETFs). I-ETF ziyizithuthi zotyalo-mali ezingafezekisa zonke ezi zi-3 kwezi njongo. Eminye imizekelo (nceda uqaphele oku akuyiziphakamiso) zezi:
* I-US: I-Vanguard ye-Total Market Index VTI.
* I-Internationally: iShares MSCI EAFA (EFA).
* Ingeniso eHlomelo: I-Index ye-Vanguard Total Bond Index BND iShares Investment Bond Bond ETF (LQD).
* Ngokwenyaniso ye-inflation ye-inflation: I-iShare TIP (ubuncwane be-inflation ekhuselekileyo) kunye ne-GOLD enokufikelela kwi-SPDR ETF uphawu lweGLD.
7. Funa uncedo. Ngoku bekuya kuba lixesha elifanelekileyo lokubandakanya umrhumo-mali kuphela, uqeqesho lwezezimali oluqinisekisiweyo .
Abacebisi bodwa beemali kufuneka babe yi-agnostic yemveliso kunye nenjongo ngokupheleleyo ekuncedeni ukhethe izithuthi ezifanelekileyo kunye nezicwangciso zokufeza iinjongo zakho. Ukusebenza neCFP® ubugcisa kuya kuphinda kukhulise iingxaki osebenza ngazo nomntu obhalisela kwi-code ephezulu yekhompyutha yokuziphatha, ukuziphatha kunye nemfundo. Umqeqeshi wakho weCFP® kufuneka akwazi ukuqalisa i-quarterback yakho mali kunye neengxaki zokunyamezela ngengozi, kunye nokusebenzisana nawe ngecandelo lezentlawulo ezifanelekileyo (CPA), ummeli wezocwangciso zezinto zokuthanda kwakho kunye nethemba, kunye neprofensi yomshuwalense eya kukunceda ngobomi kwaye inshorensi yokukhubazeka.
Ngaba usuqale isicwangciso sakho esilula nje 40?
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.