Indlela uMthetho oyiNyanga eyi-1,000-ngenyanga-Oya Kuyigcina Umhlala-phantsi wakho

Umgaqo obalulekileyo wabathathe umhlala-phantsi ukukhumbula

Kukho inani lezemali "imigaqo yesithupha" endiziva ngayo ngokumalunga nokuxhaswa kwemali yomhlalaphantsi kunye nokugcinwa komhlalaphantsi. Nangona ndiyathanda ukukholelwa yonke le mithetho ibambe ixabiso elincinci kwaye liqondwa kakuhle, enye yezintando zangexesha lonke i-$ 1,000-ye-Bucks-Month-Rule.

Ngaphambi kokuba sifunde kwiinkcukacha ze-R3 000-uMthetho we-Bucks-Month-, kuyimfuneko ukuba siqonde ukuba lo mgaqo ngumthetho wesithupha.

Umgaqo awusebenzi ngokusemgangathweni kunyaka nawuphi na unyaka, kwaye awusebenzi ngokufanayo kwimihla yonke. Ngaphambi kokubeka umgaqo ukusebenza, qiniseka ukuba uyaziqonda ezi zinto zibalulekileyo ezibalulekileyo:

1. Ngokusekelwe kwi-R1 000 yam-Règle---Month-Rule, omnye umntu ohlala kwi-retrait age age (62-65), unokucwangcisa izinga lokurhoxisa kwi-5%. Nangona kunjalo, abathathe umhlalaphantsi abancinane kuma-50s kufuneka baceba ukuhoxisa inani elingaphantsi kwama-5 ekhulwini ngonyaka, ngokuqhelekileyo ama-4 ekhulwini okanye ngaphantsi. Isizathu salesi sizathu kukuba ukuba uthetha umhlala-phantsi kuma-50s, kukho ixesha elide kakhulu lokuba uqale ukuhoxisa ama-5 ekhulwini-kusekuqaleni nje.
2. Kwiminyaka ukuba ixabiso lemarike kunye nemigangatho yemigangatho ibekwe kwinqanaba eliqhelekileyo lembali, i-5% yezinga lokurhoxisa isebenza kakuhle (kwakhona, ukuba uneminyaka yobudala yomhlalaphantsi okanye umhlalaphantsi osemdala). Kodwa kufuneka uzimisele ukulungelelanisa izinga lokurhoxisa kunyaka nawuphi na unyaka ukuba iimakethe zisebenza ngokuchasene nawe. Ungadinga ukuthatha ngaphantsi kule minyaka kwaye uguquguquke ngokwaneleyo ukulungelelanisa noko kwenzekayo kwimeko yethu yoqoqosho. Oku kunokuthetha ukuba ungathatha ixesha elincinci kwiminyaka emihle, kodwa kubalulekile ukuqonda ukuba unokufuna ukuthatha ngaphantsi kwiminyaka engafanelekanga.

Ukuchaza i-$ 1,000-iBucks-a-Month Rule

Ukubeka nje, iMithetho eyi-1000 ye-Bucks-a-Month Rule isebenza kanje: Kuzo zonke i-bucks zama-R1 000 ngenyanga ofuna ukuba nazo ngexesha lokuthatha umhlalaphantsi, kufuneka ugcine ii-240,000 zamawaka.

Ukujonga ngokukhawuleza, makhe sibone indlela i-$ 240,000 ebhankini elingana ngayo i-$ 1,000 ngenyanga:

Izigidi ezingama-240,000 x 5 (izinga lokurhoxa) = $ 12,000

Iingxowa ezili-12,000 ezihlukeneyo ngeenyanga ezili-12 = i-$ 1,000 ngenyanga

Kutheni le Mithetho ibalulekileyo?

Umgaqo-mali we-Bucks-Month-R3,000 ubalulekile ngoba uyongeza isahlulo esongezelelweyo se "pie engenayo" rhoqo ngenyanga. I-$ 1,000 nganye iya:

• Ukongeza imali yengeniso yoluntu
• Ukufumana umvuzo wempesheni
• Ukongeza umsebenzi wengqesho yesikhathi esithile
• Ncedisa nayiphina imilambo ongayilawula ukuyisebenzisa

Ngokuxhomekeke kubukhulu bokhuseleko lwakho loluntu, ipensheni okanye umsebenzi wexeshana zomsebenzi, inani lama-multiply $ 240,000 liyahluka. Umgaqo ngokwawo awuyi kuhluka; Umthetho we-Bucks-Month-rule ngumgaqo oqhubekayo. Kuyo yonke i-$ 1,000 ofuna inyanga nganye kumhlalaphantsi, kuyimfuneko ukuba ulondoloze okungenani i-$ 240,000.

Kwilizwe lexabiso lentengo elincinci kunye ne-market stock market, i-5% yezinga lokuhoxisa kakhulu lichanekile, ngokukodwa xa kukho ixesha-kwaye ngamanye amaxesha - xa i-market market ngokwayo ingaboni inzuzo enkulu. Kodwa i-5% yezinga lokurhoxisa lichazwe kwizinto ezimbini ezibalulekileyo:

1. Ingeniso yokutshala imali yindlela yokuvelisa ukuhamba kwemali ehambelana nokutyalomali. Ivela kwiindawo ezintathu: izabelo, inzala kunye nokunikezelwa. Ukuba inani lakho lokuhamba kwemali selisondele kuma-4 eepesenti, ngoko sele sele sisondele kwi-5 yepesenti yenani esiyifunayo.

1. Ipesenti ezingama-5 kunye nenzala. Yicinga ukuba unomhlalaphantsi wakho wokuhlala umhlala phantsi kwaye uvumela ukuba ungekho isivuno. Enyanisweni, masicinge ukuba isivuno siyinxalenye ye-0 ekhulwini ngonyaka. Nangona uthabatha ama-5 ekhulwini kwizinga le-interest rate ye-0, imali iya kuhlala idlule iminyaka engama-20. Ipesenti ye-5 yokuhoxiswa ngonyaka ngonyaka x 20 iminyaka = iipesenti eziyi-100. Zonke iimali zakho zihambile, kodwa kuthatha iminyaka engama-20, kwaye ayikho into eninzi. Kodwa kungcono kakhulu. Kuthekani ukuba uneminyaka engama-30 okanye engama-40 emva komhlalaphantsi? Kuthekani ukuba ucinga ngokushiya into kubantwana bakho?

I-# 1: (Ukusebenzisa utyalo-mali-mali ukuvelisa ukubuyisela umnyaka ngamnye kwi-portfolio yakho) kubalulekile kwi-1,000 Bucks-Month-Rule. Ivumela imali yakho ithuba elihle lokuhlala ixesha lokuphila lomhlalaphantsi kunokuba uphumelele kwiminyaka engama-20.

Njengoko kuhambelana neCandelo # 2, ukuba unesivuno seepotfoliyo sama-3 ukuya kuma-4 ekhulwini (igalelo kunye nomdla kuphela) kunye namava ephothifoliyo kunye nokukhula kancinci / ukuxabisa, ke i-3 ukuya kwi-4 ekhulwini ivelisa kunye no-1, 2, okanye iipesenti ezi-3 ekukhuleni kwixesha libonisa ukuba unokuthatha ama-5 ekhulwini ngaphezu kwexesha elide.

Ukuxoxa ngolawulo lwepesenti ezi-4; ulawulo olude lokucwangciswa kwemali yesithupha. Lo mthetho wawusungulwa nguWilliam Bengen, umcebisi wezezimali owabhengeza ukuba abahlala phantsi bangadla iipesenti ezi-4 kwiipotifoliyo zabo ngonyaka (ngaphezu kokulungelelanisa ukunyuka kwamaxabiso) kwaye kungabi nemali ubuncinane iminyaka engama-30. Abahlalutyi kunye nabafundi baqinisekisile idatha kaBangen kwaye baxhasa ukuxela kwakhe. Uthe ukuba abahlala ematyaleni abafumana umxube wee-60 zepesenti kunye nama-bond e-40 ekhulwini, kwaye bahlala kuma-4 ekhulwini okanye njalo ngonyaka, abaze babe nexhala malunga nokuphuma kwemali. Ndiyakholwa kakhulu ukuba le yindlela abantu abayifanele bayilungise ngayo, njengoko ixhasayo kwinxalenye yengeniso yokutsalwa kwemali.

Imithetho eyi-1000 ye-Bucks-Month-Rule iyisikhokelo sokusebenzisa njengoko uqokelela impahla (ukunyuka kwama-240,000), kunye nesikhokelo sokukuthatha kwiminyaka yakho yomhlalaphantsi. Ukukhangela kwakhona: Kuzo zonke ii-bucks zama-R1 000 ngenyanga kufuneka ube nazo ngexesha lokuthatha umhlalaphantsi, kufuneka ube ne-$ 240,000 ezigcinwe. Ubulumko obunzima bokulandela ukulandelelana kukunceda ukhumbule ukuba ulondoloza imali ukwenzela ukuba olunye usuku lube ngumtshini wokufumana umvuzo xa uyayeka ukusebenza.

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.