Jonga izi "ziflegi ezibomvu" ezinkulu ezibuhlungu ukubuyisela imali yakho
Gwema utyalo-mali kunye neerhafu zokuhlawula
Kuthekani ukuba ufuna ukuphuma (ukunikezela) utyalo-mali nangaliphi na isizathu? Utyalo-mali njengo- broker uthengisa i-annuities kunye ne- "B" yabelana ngemali kunye kunye nokunikezela iindleko kwaye ngaloo ndlela ukunciphisa ukuguquguquka.
Eminye imizekelo Utyalo-mali olunikezele iirhafu lungabangela iingxaki kwiimeko ezifana nale:
- Ukwahlukana: Amaqabane atyaliwe ngokubambisana, kuphela ukuqhawula umtshato kwiminyaka embalwa kamva. Babenokukhetha ezimbini: ukuhlawula iindleko eziphezulu zokukhutshwa kweentlawulo ezibandakanyekileyo okanye ukuhlala utyalomali kunye iminyaka emithandathu.
- Ukuhamba: Mhlawumbi ufuna ukuthenga indlu entsha kwaye ufuna iimali ukubeka phantsi ukude indlu yakho endala ithengise. Le meko ingavela ngokungalindelekanga ngenguqu yenguqu. Ngotyalo-mali olunikezela iirhafu, awukwazi ukufikelela kwimali yakho ngaphandle kokuhlawula oko kudla imali.
- LezeMpilo: Iindleko zempilo kuwe okanye othandekayo zingabiza. Nangona ezinye i-inshorensi-based investment kunye nokunikezelwa kweerhafu zinganikezela ukungena-mali okungahlawulwanga kwemali yakho, ngokubanzi ufuna ukufikelela ngokupheleleyo kwiimali zakho xa kule meko.
Yilumkele ukuTyala imali ngokuThengiswa kweMali
Olunye utyalo-mali alulula ukuphuma.
Ezi zibizwa ngokuba "ezingekho mthethweni". Eminye imizekelo yintsebenziswano yendawo yokuhlala, ukufakwa kwamashishini abucala, utyalo-mali lwangasese, kunye nee-REIT ezingekho phantsi esidlangalaleni (okanye kaninzi into ebizwa ngokuba yi-investment alternative). Ukuba unemali eninzi kwimali-mali engekho-mali, awuyi kuba lula ukufikelela kwiimali zakho.
Uninzi lwale mali-uhlobo oluthile-utyalo-mali luthembisa ukubuyiswa okuphezulu, kodwa khumbula ingqalelo ukuba ubeka ingozi yokulahlekelwa yonke into okanye phantse yonke inzala yakho. Ukwahlula kwiiklasi ze-asethi kunye namacandelo otyalo-mali kwaye ungabeki ngaphezulu kwe-15% yemali yakho kule mizekelo yamathuba.
Gwema utyalo-mali oluya kufuna amaKomishini aphezulu okanye iMithwalo yokuThengisa
Utyalo-mali ohlawula iikomishoni zangaphambili zingaba ziimali-mali ezimbi kuba umcebisi wakho akanakho ukukhuthaza ukunikezela inkonzo kunye nokufundisa okuqhubekayo emva kokuba utyalo-mali luphelile. Eminye imizekelo ibandakanya: "Iingxowa-mali" zengxowa-mali, i-annuities ethengiswa ngumthengisi, kunye nobomi bendatshana yobomi bendalo jikelele (VUL) njengotyalo-mali.
Xa uhlawula ikhomishana yangaphambili, akukho ngokwenene okunye okukhuthaza ukuba umcebisi wezemali ukubonelela ngeenkonzo eziqhubekayo. Gcina ukhumbule ukuba namhlanje kukho iindlela ezininzi zokuhlawula iingcebiso zezezimali kwaye ezininzi azibandakanyi ukuhlawula iikhomishini. Kukho amaxesha apho kunokuba kunengqiqo ukubeka ingqutyana encinane kwipotfoliyo yakho ibe yimali-mali efuna ikhomishini okanye intlawulo yokuthengiselana, kodwa kufuneka ibe yinto encinci.
Ngaphandle kwale ndawo yokuhlala. Umthengisi akanakho uxanduva oluqhubekayo lokuncedisa ipropati yakho, ngoko ukuhlawula ikhomishini kwintengiselwano yendawo yokuthenga impahla.
Umsebenzi wabo kukufumanisa ipropati efanelekileyo kwaye uxoxisane nento efanelekileyo.
Gwema utyalo mali
Utyalo-mali olungileyo luya kuba utsalo-mali olubi xa ungayiqondi indlela isebenza ngayo. Xa ungenakho ukuqonda okanye ulwazi, unako ukwenza isinqumo esibi. Ukuba ithuba lulukhuni okanye awuqondi kakuhle utyalo-mali, yenza enye yezinto ezintathu:
- Buza imibuzo eminye. (Ukuba umntu akafuni ukubonelela ngeempendulo zesiNgesi uze uhambe.)
- Hamba ngokukhululekile.
- Ukuqesha uchwepheshe ukuvavanya utyalo-mali. Bamele baphathe i-Error and Omission inshurensi.
Musa ukubeka yonke iMali Yakho ngohlobo olufanayo loTyalo-mali
Nabani na ocebisa ukuba uyibeke yonke imali yakho nayiphi na inxaxheba kulolu hlobo lulandelayo kutyalo-mali kukunika ingcebiso engalunganga yokutshala imali. Nangona naluphi na olu lulandelayo lunokuba yinxalenye ebalulekileyo yepotfolio yakho, ungabeki yonke imali yakho kwisinye sezi zinto:
- Izibonelelo - Izibonelelo zinikeza iziqinisekiso ezingabalulekile kuwe . Nangona kunjalo, ukuba umntu ucebisa ukuba ubeke yonke imali yakho, kokubili imali ehlawuliswayo kunye nemali ehlawulwe irhafu (njenge-akhawunti ye-IRA), ukuhlawulwa, oku akunakho ukuhlakanipha ngenxa yemirhumo ephezulu kunye nokuthengwa kwemali.
- I-REIT's- A REIT, okanye iTrust Real Estate Investment , ifana ne-joint fund ephethe i-commercial or retail estate. Ezinye ze-REIT zizityalo-mali ezinkulu. Nangona kunjalo, kufuneka babe yingxenye encinane kwipotifoliyo yakho yonke.
- IiAkhawunti eziThathwe kwiRhafu - Ufuna ukwakha ibhalansi phakathi kwama-akhawunti ahlawulwe irhafu (njenge-IRA okanye 401 (k) i-akhawunti) kunye nemali yerhafu emva kwenyanga. Ukuba yonke imali yakho ekhompyutheni echazwe ngerhafu ingabuya ukukulimaza xa uthabatha imali eninzi kunye neerhafu zifanelekile .
Ngelixa ungafuni yonke imali yakho ngohlobo olulodwa lotyalo-mali, unokukhetha ngokukhuselekileyo umcebisi omnye okanye uqinile ukuphatha uluhlu lwetyalo-mali. Umzekelo, unokubeka yonke imali yakho nge:
- Le nkampani ehloniphekileyo yenkampani yokuxhasa imali, njengeVanguard okanye Fidelity.
- Umcebisi wezezimali oqeqeshiweyo ofanelekayo , ukuba basebenzisa iphothifoliyo eyahlukeneyo.
- Inkampani efanayo ye-brokerage, njengeCharles Schwab , Fidelity, okanye i-TD Ameritrade, njengoko nje imali yakho ihlukeneyo kwiintlobo ezahlukeneyo zotyalo-mali ngaphakathi kwe-akhawunti.