Ukufikelela kwiSithandathu-Isimo seMpawu kwi-Age 30 sifuna iSicwangciso seMali esiPhezulu
Ukunyaniseka kukuba ukufikelela kwiimali-mboleko kuyakwenzeka kwiminyaka eyiwaka leminyaka, ukuba bayathatha amanyathelo afanelekileyo okucwangcisa phambili.
Enyanisweni, kunokwenzeka ukufikelela kumanqaku wezigidi-dollar ngeminyaka engama-30 . Imfihlelo yendlela yokuba ngumgidi-mali iqala ngokuqonda ukuba imimiselo yezemali inokukunceda njani ukhulise ubutyebi.
Indlela Yokuba Yizigidi Ngama-30: Qala Ngokuqala
Esinye sezixhobo ezinamandla kunamakhulu amabhiliyoni anokugcina imali eyi-1 yezigidi nge-30 ngexesha. Njengoko usindisa kwaye utyalomali, imali yakho ifumana inzala. Loo mdla uhlanganiswa , oku kuthetha ukuba umdla wakho unomdla. Ngokukhawuleza uqala ukugcina kunye nokutyalomali, imali yakho kufuneka ikhule ixesha elide.
Khawuqwalasele lo mzekelo. Cinga ukuba ngeminyaka eyi-16 ubudala, unomsebenzi wakho wokuqala waza wavula iRoth IRA. Unika i-$ 5,500 kwi-akhawunti yakho ngonyaka, uneminyaka engama-30, ufumana iipesenti ezi-6 zokubuya ngonyaka. Oku kuya kukunika imali engaphezu kwama-122,500.
Ngoku, masithi ufumana umsebenzi wakho wokuqala wobudala kwiminyaka engama-22. Umqeshi wakho unikeza umdlalo olingana nama - 401 (k) ofanelekileyo ama-100 ekhulwini kwiipesenti ezi-6 zokuqala ezikhethiweyo zemvuzo ozenzayo.
Ukwandisa umyinge we-18,500 weemali ezivunyelwe kwisicwangciso ngamnye kunyaka, unika igalelo lama-37 e-$ 50,000 yomvuzo. Ngama-2 ekhulwini ephakanyiswayo ngonyaka kunye ne-6 epesenti yokubuyisela izinga, uza kuba ngaphezu kwama-216,000 kwi-plan yakho ngo-30 ubudala.
Okwangoku, uqokelele ngaphezu kweyesithathu kwinjongo yakho yezigidigidi.
Ukuba ufanele uqhubeke usindisa ngesantya esifanayo, ufumana inqanaba elifanayo lokubuyisela, unokufumana i-$ 1 yezigidi ngokufikelela kwiminyaka engama-40 ubudala. Xa uneminyaka engama-65, loo nto iya kukhula ibe ngaphezu kwezigidi ezingama-6. Oko kubonisa ukuba kubaluleke kangakanani ukuqala kwasekuqaleni, kwaye indlela ebaluleke ngayo inzala ingaba kwiinjongo zakho zobutyebi.
Gcina kuTyalo
Umzekelo ongaphambilini ubonisa indlela okunokwenzeka ngayo ukugcina kufuphi ne-$ 340,000 kuphela ngokugcina kwi-IRA yakho kunye ne-401 (k). Kodwa, usenomhlaba wokuba ufike kwi $ 1 yezigidi. Uyenza njani loo nto? Ukuba ufuna ukufunda indlela yokuba ngumgidi-mali, kufuneka ukwazi umehluko phakathi kokugcina nokutshala imali .
Xa usindisa imali, unakho ukubeka kwisithuthi esichengeni, njenge-akhawunti yokulondoloza, i-akhawunti yemarike yemali okanye isitifiketi se-deposit. Ezi ngxelo zikhuselekile, oku kuthetha ukuba iingxaki zokulahlekelwa kwemali ziphantsi. Kodwa, awukwazi ukuvelisa ubuncwane obuninzi xa ufumana inqanaba eliphantsi lokubuyela kwizinto ozigcinayo.
Xa utyalo kwizinto ezinjenge-stocks, imali kunye okanye i-real estate, ukwandisa umngcipheko. I-trade-off, nangona kunjalo, inako ukufumana imali ephezulu.
Ukubuyela kumzekelo wangaphambili, cinga ukuba uthathe i-$ 500 ayi-5 500 ongayifaka kwi-Roth IRA kwaye uyisindise kwi-akhawunti yokugcina imali.
I-akhawunti yakho ifumana inzala ye-1, ihlanganiswe ngenyanga. Ukuba ulondoloza loo mali ngamnye unyaka ukususela kwiminyaka eyi-16 ukuya kwe-30, uza kufumana i-$ 16,000 enomdla. I-Roth, nangona kunjalo, yayiza kukhula ngama-55,000, ihlawulwe i-6%.
Nangona kubulumko ukuba ufumane imali ekhethiweyo kwingxowa-mali yongxamiseko , kuya kufuneka utyalomali ukuba ufuna ukufikelela kwi-1 million yezigidi ngeminyaka engama-30. Ukukhupha i-akhawunti ehlawulwe irhafu, njenge-IRA kunye no-401 (k) , kuya kukusondeza kwiinjongo. Ukusebenzisa i-akhawunti yerhafu yokurhweba ukutshala imali kwiimarike kunokunceda ukuzalisa ikhefu. Uya kuhlawula irhafu yerhafu xa uthengisa utyalo-mali kwi-akhawunti yakho ehlawulwayo ngenzuzo, kodwa loo nto ayinokuba yimpumelelo ukuba utyalomali ixesha elide.
Ukwahlula iMithwalo yakho yeNzuzo
Ukusebenza kumsebenzi we-9 ukuya ku-5 kunokukunceda uvelise imali engenayo ukuze utyalomali kodwa ukuba uhamba kwi-$ 1 yezigidi, unokufuna ukongeza ezinye iimfesholo zokufumana umxube kumxube.
I-Freelancing yindlela ekhethwa ngabantu abaninzi. Kulinganiselwa ukuba izigidi ezingama-57 zaseMerika zenza uhlobo oluthile lomsebenzi wokuzimela, ngokutsho kwe-Upwork kunye ne-Freelancer Union. Ukuqala uhlangothi olunxwemeni ngokunikela ngokubhala ngokuzenzekelayo, uncedisi oncedisayo, udidi lweenkcukacha okanye iinkqubo zokubumba zingakhokelela kwingeniso engaphezulu ongayifumana kwisicwangciso sakho sokutshala imali.
Ukutshala imali kwi-real estate yinto enye yokuqwalasela. Uphando olusuka kwi-platform ye-crowdfunding platform I-RealtyShares ibone ukuba i-55 ekhulwini yeminyaka eyiwaka-minyaka inomdla kwi-real estate investment. Ukufumana indawo yokurenta, umzekelo, kunokuvelisa umvuzo ongenayo rhoqo ngenyanga. Imali engenayo ayifuni, ithetha ukuba iza rhoqo rhoqo nje ngokuba ugcina abaqashi abahlala njalo.
Izindlela ezongezelelweyo zokwakha ingeniso engenayo zibandakanya utyalo-mali-mboleko kwontanga, ukudala nokuthengisa iikholeji okanye umkhiqizo we-intanethi, ukuthengisa ngokubambisana okanye ukuqeshisa igumbi ekhaya lakho kwi-Airbnb. Ezinye zale ndlela zifuna ngaphezulu kotyalo-mali bokuqala kwexesha nemali kunabanye, kodwa zonke zikhokelela kwingeniso eqhelekileyo yokuncedisa ukuhlawula kwakho.
Landelela Iinjongo Zakho kwaye Yazi Ixabiso Lakho
Ukulondoloza kunye nokutshala imali eyi-1 million yezigidi nge-30 ubudala kukujoliswe kuyo kwaye kuyakunceda ukulandelela inkqubela yakho. Ukuyidiliza ibe yiinjongo ezincinci kunokukwenza ukuba inkqubo ilawulwe ngakumbi. Ngokomzekelo, unako ukusetha iinjongo zenyanga, ngekota kunye neyonyaka njengoko usebenza ukufikelela kwi-1 million yezigidi ekulondolozeni nasekutyaleni.
Kwakhona kubalulekile ukuba uqaphele ukubaluleka kwakho, kwaye indlela ehambelana ngayo nokwazi kwakho ukwakha ubutyebi. Ukuxoxisana nokuphakanyiswa emsebenzini wakho, umzekelo, unokufumana ingeniso engakumbi yokugcina. Ukusebenzisa izakhono zakho ukuba ube yi-freelancer okanye uthengise umkhiqizo kwi-intanethi unokukwenza okufanayo. Isibalulekileyo kukukwazi ukunyaniseka kwakho kunye nendlela yokuwusebenzisa ukuze ufikelele umnqweno wakho.