Indlela yokufumana iNgeniso yeTyalo-mali ethembekileyo yomhlalaphantsi

Ingeniso ye-Investment ingabonakala, iguquke, okanye iqinisekisiwe.

Ngaphambi kokuthatha umhlalaphantsi, kufuneka uqalise utyalo-mali lwakho ukuze unikeze ngeniso-mali ethembekileyo. Ezinye iintlobo zengeniso-mali-mali zithembeke ngakumbi kunabanye. Xa kuziwa kwingeniso yomhlala-phantsi, kukho iindlela ezahlukeneyo ongazithatha malunga nendlela yokusebenzisa utyalo-mali ovelisa imali.

Ndiyifumana incedo ekuphuleleleni ingeniso yeengxowa-mali kwiinkalo zintathu: ukuqikelelwa, ukuguquguquka, nokuqinisekisiwe.

Ngamnye unemveliso kunye neqhinga.

Ingeniso yeNgxowa-mali

Inzala engeniso kwiibhondi zenkampani kunye neengeniso zemali ezivela kwiisitokisi ziyimimiselo emibini emihle yemali engenayo engenakulinganiswa. Le mijelo yengeniso ingathembeka kwiimeko ezininzi, kodwa aziqinisekanga. Unokwenza umthombo ongenamathele wokufumana umhlala-phantsi ngokuthenga inzala kunye nokuhlawula imali ekuhlawuleleni imali, okanye ngokuthenga iimali ezizimeleyo ezinjalo.

Inzala engeniso iveliswa ngamabhonkco ebambisene kunye neengxowa-mali ezidibeneyo ezityala kwiibhanki zenkampani, kunye nezatifikethi zokufaka imali, iimali zeemarike zemali, utyalo-mali oluphezulu, ukuhlawulwa kweefowuni ekuthengiseni iifowuni ezikhethiweyo, kunye nomdla ofunyenwe ngokuzibophezela ngemali mboleko, njengento eya kwenzeka ukuba uthengisa ipropati oyiyo ngqo kwaye uyithwala umboleko womnini omtsha. Intlawulo yengeniso, njengaleyo ehlawulwa zibophelelwano zenkampani, ihlawulwa irhafu yakho yerhafu.

Ingeniso ye-Dividend ihlawulwa ngamasheya, iimali ezihlangeneyo ezithengayo, kunye nemali emininzi yokuvala esebenzisa isicwangciso sokuphuhlisa isabelo. Ingeniso yehlulo ivela kwifomu yamarhamente afanelekileyo okanye angafanelekanga. Uninzi lweentengo ze-US ezihlawuleka esidlangalaleni zihlawula izabelo ezifanelekileyo. Iingeniso ezifanelekileyo zifumana unyango lwerhafu olukhethiweyo, njengoko zihlawulwa irhafu yerhafu efanayo nexabiso elide elide elide, elona lizinga eliphantsi kunezinga eliqhelekileyo lentlawulo yerhafu.

Abantu abaninzi bacwangcisa ukuhlala phantsi, ukuthenga iphothifoliyo yentengo-mali yokuvelisa imali, kunye nokuhlala emdlalweni. Oku kungasebenza, kodwa kukho izinto ezininzi zokugcina engqondweni.

1. Ingeniso yokuvelisa utyalo-mali njengamasheya kunokunciphisa izinga lokuhlawula igalelo. Xa oku kwenzeka, ixabiso lesabelo liya kulahla.
2. Amabhondi angakwazi ukusilela, okanye xa bevuthiwe ungakwazi ukuthenga amabhondi amatsha ngezinga lentengo ephakamileyo njengezinga elidlulileyo.
3. Utyalo-mali azinako ukuvelisa imali engenayo ukwenzela ukuhlangabezana neemfuno zakho zokuchitha umhlalaphantsi.
4. Kuyakulingela ukuhamba utyalo-mali. Ezi ziza kuba nemingcipheko ephezulu. Ukongezelela, utyalo-mali oluninzi olunemivuzo ephezulu lunokuhlawulwa ngokuphezulu ngenxa yokuba isabelo ngasinye sibuyisela inqununu ethile.

Abaninzi abasetyenziselwa umhlala-phantsi abangagxininisi ekushiye isamba esikhulu kwiindlalifa banokuthatha umhlala-phantsi okhululekile ngokudala isicwangciso esivumela ukuba bachithe i-principa l ngaphezu kweengeniso zabo zentengo-mali. Olu hlobo lwesicwangciso lusebenzisa indlela "yokubuyisela ngokupheleleyo" kunokuba iphile nje kuphela kwimali engenayo eyabelwe ingeniso.

Eyintlukwano: Indlela Yokubuyisela Iyonke

Enye indlela yokwenza umvuzo wokuthatha umhlalaphantsi kukukwakhela iipotifoliyo ezipheleleyo ezibandakanya imali, imali engenayo engenayo kunye nezobulungisa.

Ngale ndlela uhlakulela imodeli yokwabiwa kweefa kunye nokuyila iphothifoliyo yakho ukufanisa loo mzekelo. Ngokomzekelo, umzekelo wesabelo somhlala-phantsi we-asethi ungabhenela u-5% ngemali, u-35% kwimali engenayo, kunye ne-60% kwiimali.

Inkokhelo kunye nefom ingeniso eqhotyoshelweyo "inxalenye ephephile" kwipotfoliyo yakho. Baya kuvelisa inzuzo yengeniso-mali yangoku ngenjongo yomdla. Amashishini afaka inxalenye yokukhula kwipotfoliyo, evumela ukuba ingeniso yakho yengeniso yesikhathi esizayo iyakwandiswa ngokunyuka kwamaxabiso.

Kukho imigaqo yokurhoxisa ekufuneka ilandelwe xa udala olu hlobo lwepotfoliyo ukuze ungasebenzisi imali kakhulu kungekudala. Ingeniso eyenziweyo iyahlukahluka unyaka nonyaka, kodwa awuyi kuxhomekeka kwingeniso yangempela iphothifoliyo eyenza ngonyaka. Kunoko, iphothifoliyo yenzelwe ukufezekisa izinga lokubuyela, kwaye uza kuseka izinga lokurhoxisa elingaphantsi kweso sihlandlo.

Ukuba awufuni ukudala iphothifoliyo yakho, unokuqesha umcebisi wezezimali okanye usebenzise i-fund income. Imali yengeniso yomhlala-phantsi ilandela indlela yokubuyisela.

Isicwangciso sokubuyisela esipheleleyo siphumelele xa ufanelekile ngokungafaniyo kunye neefowthifoli zakho kunye nokuhlawulela kwakhona kwi-target allocation yakho malunga nanye ngonyaka. Isicwangciso sokubuyisela esipheleleyo singagqitywa ngesiseko seholo eliqinisekileyo. Ingeniso eqinisekisiwe yenza uluhlu lokhuseleko; oko kubalulekile ukuba uxolo lwengqondo kumhlalaphantsi.

Ingeniso eqinisekisiwe

Ingeniso-mali eqinisekisiweyo yenzalo yinto efana ngayo; ingeniso eqinisekisiwe nguRhulumente wase-US okanye inkampani yomshuwalense. Utyalo-mali olukhuselekileyo njengezatifikethi zediphozithi, iziqinisekiso zobuncwane, kunye neengxelo ezixhaswayo ziyimithombo ephambili yemali yengeniso eqinisekisiwe.

Umngcipheko omnye ngokusebenzisa utyalo-mali olukhuselekileyo kukuba ixabiso lentengo liphantsi kakhulu. Utyalo-mali olukhuselekileyo olusetyenziselwa ukuhlawula amaxabiso amaninzi aphezulu, okwenza kube lula ukuthembela kubo ngenzuzo yokutyalo-mali.

Kukho iindlela ezininzi ongazithengela ngeniso eqinisekileyo enokuthi ibalwe kuyo:

• Indlela eqhelekileyo yokuthenga intlawulo engenayo yokutyalo-mali kukuthenga i-annuity.
• Unokulibaziseka ukuqala kweenzuzo zakho zoKhuseleko lweNtlalo ukuze ufumane imali engaphezulu kwonyaka ngamnye uqala kwiminyaka engama-70.
• Umqeshi wakho uxhasa iplani yomhlala-phantsi unokukuvumela ukuba uthenge iminyaka yenkonzo ukwenzela ukuba unelungelo lokufumana inzuzo ephezulu.
• Unokuthenga izitifiketi zokufaka idiphozithi, okanye iibhondi zikaRhulumente ezivuthiweyo kunyaka ngamnye kwisixa esifanelene neemfuno zakho zokuchitha imali enyakeni.

Ingeniso eqinisekisiwe yenza isiseko esihle kakhulu sesicwangciso-mali sokuthatha umhlala-phantsi.

Esikhundleni sokusebenzisa indlela eyodwa kuphela, ngokuqhelekileyo inkqubo yokuthatha umhlala-phantsi iyona ndlela ibandakanya iintlobo ezininzi zeendlela zokufumana imali.