Kutheni Ubungayifumanisa Ngokwenene Ukulahlekelwa Kwemali
Esinye sezizathu unokucinga ukuba ngenjongo yokubona ukulahlekelwa kwexabiso eliyinkunzi ukuba ngaba ufumana inzuzo enkulu eninzi ngonyaka werhafu.
Masithi uthengise isiqwenga se-real estate, ishishini, okanye isikhwama sokubambisana okanye i-stock ene-capital capital gain.
Unako ukukwazi ukulungelelanisa ezinye iimali zokutshala imali ozinayo ngenjongo yokuvelisa ilahleko ukuze unqunyulwe inzuzo yakho. Oku kusebenza ngokusemgangathweni ngemali kunye kunye neengxowa-mali zokuthengisa. Ngokuxhaswa ngemali, ngokutshintshana imali enye, unokwazi ukulahlekelwa yintlawulo enkulu ngenxa yezizathu zerhafu ngaphandle kokufakela ukulahlekelwa kwexesha elide. Nasi umzekelo wendlela oku kusebenza ngayo:
- Cinga ukuba unayo i-Vanguard yeS & P 500 Index Index. Uyithenge i $ 100,000 ekuqaleni konyaka. Imarike yehla, kwaye ngoku ixabise i-$ 70,000. Uyayazi ekuhambeni kwexesha iimarike ziya kubuyiselwa, ngoko awufuni ukuzithengisa ngelahleko, kodwa ungathanda ukusetyenziswa kwelahleko ngenjongo yerhafu.
- Esikhundleni sokuthengisa i-fund yakho kunye nokwenza imali okanye uhamba kwindawo eyahlukeneyo yotyalo-mali, uyayithengisa kwaye uthenge ingxowa-mali enezikhokelo ezifanayo; isikhwama se-Fidelity Spartan S & P 500 Index, umzekelo. Ezi zombini iimali zizinto ezifanayo: zonke izitokisi ezidweliswe kwi-S & P 500 Index. Ngoku, njengoko i-market ithola kwakhona, iphothifoliyo yakho iya kubuya.
- Ukususela ekubeni utshintshe utsalo-mali olwahlukileyo, loo ntlawulo ye-30,000 yokulahlekelwa iya kuthathwa njengento elahlekileyo kwaye uya kuyibika kwingxelo yakho yerhafu.
- Ilahleko ingasetyenziselwa ukunciphisa ezinye iintlawulo ezingenayo. I-3,000 yelahleko ingancitshiswa kumvuzo oqhelekileyo. Unokwenza i- carryover nayiphi na ilahleko eseleyo kunyaka werhafu olandelayo.
Esi sicwangciso sisebenza kakuhle ngeemali zengxowa-mali, okanye iimali ezithengiselana ngemali, kuba kulula ukufumana imali eninzi eneempahla ezifanayo. Ngoluhlobo lokutshintshiselana, unokubamba ilahleko yentela ngelixa uhlala utyalomali kwi-olwabiwo-mali olufunayo.
Iireyithi zerhafu eziqhelekileyo ziphezulu ngaphezu kweerhafu zerhafu yentlawulo . Kumntu othile kwi-bracket yerhafu ye-33%, eneerhafu engaphezulu kwe-3,000 yexabiso elilahlekileyo elinokuthi lichithwe kumvuzo oqhelekileyo uza kubasindisa imali engaphezulu kwama-390 ngonyaka (kubalwa ngokuthatha umlinganiselo phakathi kwe-33% yentlawulo yengeniso kunye ne-20% eyinzuzo yentlawulo. irhafu yentlawulo kwaye iphindaphinda ngama-3,000). Kwabanye abahlawuli berhafu bangagcina ngaphezulu. Xa esi sicwangciso sisetyenziselwa ngokuqhubekayo singongeza kwiiwaka ezininzi kwiindleko zerhafu malunga nobomi bomntu-mali.
Ukulahlekelwa kweMali kunye neeShishini ngabanye
Ngama-stocks, isicwangciso asisebenzi ngendlela efanayo. Nangona unokuthengisa i-stock yakho ekhoyo, kwaye ufumanisa ilahleko, awukwazi ukuyifaka ngokukhawuleza ngesitokisi esifanayo esilindeleke ukuba senze ngendlela efanayo. Ungasondela ngokuthenga isitishi kwi-shishini elifanayo, kodwa izinto ezinxulumene nenkampani zingakhokelela kwisitokisi esinye ukwenza ngendlela eyahlukileyo kunomnye.
Xa uthengisa utyalo-mali ukufumanisa ukulahlekelwa kwemali ngenjongo yentlawulo, qiniseka ukuba uthengisa imali-mali kunye neefayile zeefayile ezihlukeneyo. Ukuba uthengisa kwaye uthenge ukhuseleko olufanayo zingakapheli iintsuku ezingama-30, umgaqo wokuthengiswa kwempahla unokuhlawula kwaye ukulahlekelwa kwakho kweerhafu kungavunyelwa.
Umgaqo wokuthengisa uhlambe awusebenzi xa uthengisa kwaye uthenge iimali ezidibeneyo kunye neefayile zeefayile ezihlukeneyo, nangona ukuba imali leyo ibenezo ziqinisekiso ezifanayo.