Ireyithi imiselwe oko uthengayo ngaphakathi kwe-IRA yakho.
Abantu abaninzi abaqondi kakuhle ukuba utyalo-mali kwi-IRA isebenza njani. Ingxoxo engezantsi iqhubeka rhoqo:
"Ndingayifumana phi ireyiti engcono kakhulu ye-IRA yam?" uthi umthengi.
"Akukho nto enjengomlinganiselo we-IRA," ndiphendula.
"Uthetha ntoni na?"
Ayikho into efana ne-IRA Rate
Yinyani. Akukho nto injengezinga le-IRA. Ixesha eliqondakaliyo. IRA, okanye iAkhawunti yoMhlala-phantsi ngamnye , yiyo kuphela-akhawunti. Akusilo utyalo-mali.
Igama elithi "IRA" yileyibhile echaza unyango lwerhafu olusebenza kutyalo-mali ngaphakathi kwe-IRA. Nge-IRAs, awuhlawulisi irhafu ngamnye ngonyaka kunyaka, inzuzo okanye inzuzo eyinzuzo efunyanwa ngu-IRA. Endaweni yoko, ingeniso yentalo-mali iqokelela ngaphakathi kwe-IRA, kwaye uhlawula irhafu ngeli xesha uthabatha ukuhoxiswa. (Ngaphandle kokuba iRoth IRA apho iimeko zokurhoxisa zihlawulwe irhafu.)
Cinga nge-IRA njengebhakethi. Masithi ucelwa ukuba uqikelele ubunzima bebhakethi, kodwa awukwazanga ukubona oko kwakukulo. Ukuza nokuqikelelwa okuchanekileyo, kuya kufuneka ukwazi oko bekusebhakethi ; umoya, amanzi, isanti, okanye izitena, umzekelo.
Njengoko kuqikelelwe ukuba ibhakethi likhulu kangakanani, ukugqiba izinga le-IRA, kufuneka ukwazi ukuba luphi uhlobo lwezolimo oluya kuba ngaphakathi kwi-IRA.
Ungayifumanisa njani iRe Rate of Return?
Ukuqikelela izinga lokubuyisela i-IRA yakho ingakufumana kufuneka ubhekise ekusebenziseni utyalo-mali oza kukhetha.
Umzekelo:
- IRA ingakwazi ukulawula iiCD (izatifikethi zediphozithi) apho ufuna ukukhangela amaxabiso angcono kwiCD.
- IRA inokutshala imali kwi- annuity ehleliweyo , apho ufuna ukukhangela amaxabiso ahlawulwe ngokuthe ngqo.
- IRA ingakwazi ukufumana iziqinisekiso zobunini-mali, okanye iibhondi zikaRhulumente , apho ireyithi ye-IRA iya kubakho inhlanganisela yemirhumo yemirhumo ehlawulwa zizibophelelo ezingezantsi.
- IRA ingakwazi ukufumana iimali eziphathekayo, apho kufuneka ukuba unqume ukuba ngaba unesitokisini, uxanduva, okanye uxanduva olufanelekileyo, kwaye ujonge imbali yokusebenza ukugqiba izinga labo elidlulileyo lokubuyisela. Kwaye ke, ukubuya konyaka odlulileyo akuthethi ukuba yiyo eya kuzuza kulo nyaka.
- IRA inokukwazi ukufumana isitokethi ngasinye, kwaye ukuba i-IRA inokwenza i-ownership , kunye nezinye iindidi zotyalo-mali.
Ukuze ufumane umgangatho ophezulu we-IRA, okokuqala, kufuneka unqume ukuba ingozi enkulu yotyalo-mali uyithatha ukuthatha. Uninzi lwentlulo-mali enokukwazi ukuhlawula ixabiso elide elide lokubuyisela linikezela ngokuzinzileyo kwexesha elifutshane. Ukuba usemncinci, ukhetha ukutyalwa kwemali engozini, njengempahla yesigxina, kunokukunika imali ephezulu kunokukhetha ukhetho olukhuselekileyo olufana neCDs.
Emva kokuba ukhethe utyalo-mali ofuna ukuba i-IRA yakho ibambe, unokwazi ukubheka umlando wentsebenzo walezo zityalo-mali, eziza kuthiwa "umyinge" ukuba ngaba ngumrhumo wokutsalwa kwentlawulo njengemali, i-annuity annuity, okanye bhondi.
Ukuba i-fund fund, njenge-Fund ye-S & P 500 Index, unokwazi ukujonga iirhafu zembuyekezo zeemarike zamasitoreji ukuze ubone ukuba yeyiphi izinga lokubuyisela oza kulufumana ngonyaka ngamnye ngaphambili.
Yintoni omele uyibukele
Ukuba iqumrhu lotyalo-mali libonakala linika izinga eliphezulu kakhulu kunokuba ungafumana kwenye indawo, kufuneka uqaphele. Akukho banikela imali. Ukubuyiselwa okuphezulu kunomngcipheko ophantsi awunakho.
Iimpapasho ezininzi zikunxusa ngesithembiso semilinganiselo ephakamileyo, kodwa xa ufunda ukushicilelwa okulungileyo kwaye ubone indlela utyalo-mali lwakhiwe ngayo, lungahle lube lukhangeleka njengoko ukukhangisa kwenza ukuba kubonakale. Ngokuqhelekileyo ezi zipapasho ziyaxhaswa ngamafemu athola ikhomishini yokuthengisa iimveliso zabo zentengiso. Ukuba kukho into enokubonakala iyinyaniso, unokuba nomntu oncedisayo onokuzihlolisisa utyalomali ngaphambi kokuba uthenge.
Abantu abaninzi banokulahlekelwa yimali kwiingxowa-mali ezimbi, zonke zi nethemba lokufumana inqanaba elincinci lokubuyisela.