Sebenzisa i-Investment Savings Hierarchy kwaye Qala ukusindisa namhlanje
Ukuba uye wakha wazibuza ukuba i-penny isindiswe namhlanje iya kuba neyona nto ibaluleke kakhulu kuneepennies kunokuba ipenki igcinwe kusasa, ngoko ukhangele kule maths elula:
- Ukuba ubeka i-$ 1 kude kwiminyaka engama-20, loo dollar yayiza kuxabisa i-$ 21 ngeminyaka yobudala engama-65, ekuthathele ukuba i-percentage ye-7 ephindwe kwiminyaka.
- Ukuba ulinde ude u-30 utyalomali i-$ 1 efanayo, kuya kuxabisa i-$ 10.68. Qala kwi-40 kwaye uza kuba ne $ 5.43.
- Lindela de ube u-50 utyalomle i-$ 1 efanayo kwaye uza kufumana u-2.76.
Ngoko idola elityalomali elineminyaka engama-20 liphantse liphindise kabini livelise njengedola elityalomali kwiingama ezingama-30 ne-7.5 ezinamandla njengebhokisi eliya kusebenza kwiminyaka engama-50!
Ngethemba, sele usuqalisile ukulondoloza kwaye ukuba awukho, ixesha lokuqalisa namhlanje. Yonke imihla okulindeleyo ikubiza imali enzima.
Gcina ukhumbule ukuba kufuneka ube nesicwangciso sokwandisa ukubuyela kwakho. Iprogram enkulu yokulungiswa kolondolozo lwakho yi-Hierarchy Investment Savings echaza apho ubeka khona imali yakho kunye naluphi umyalelo. Ukuze ubone okubonakalayo, nceda nqakraza apha .
Ulawulo oluphezulu loTyalo-mali: Usukela phezulu ukuya ngaphantsi
Umgangatho we-1: I- Cash Savings
Kuphezulu kwinqanaba lakho lolawulo okanye ipiramidi yolondolozo lotyalo-mali kufuneka kube yindleko yakho yokonga imali. Isixa semali esiphuthumayo ngemali kufuneka sikwazi ukukhupha iinyanga ezi-3-6 zeendleko ezichanekileyo kwaye kufuneka zigcinwe kwi-akhawunti yemakethe yemali okanye kwezinye iindawo zokutshala imali.
Sebenzisa le mali kuphela kwiimeko eziphuthumayo, ezifana nokulahlekelwa ngumsebenzi okanye iindleko zonyango.
Umgangatho wesi-2: I-Cash-Term-Cash
Inqanaba lakho elilandelayo likhawulezi-mali elifutshane elifanele lihlawule iindleko ezizayo ngenxa yeminyaka eyi-1-3. Oku akufanele kudibaniswe nokulondolozwa kongxamiseko; le mali ifanele isetyenziswe ukuba unayo imali enkulu eyaziwayo ezayo kwiinyanga ezili-12 ukuya kwezi-18, njengentlawulo ephantsi kwendlu okanye uphahla olutsha.
Akunangqiqo ukuba i-fund yakho yexakeka-mali ipheliswe ngenxa yesiganeko semali esicwangcisiweyo, nokuba ngaba unyaka okanye unyaka kunye nesiqingatha.
Umgangatho wesi-3: Ukulinganisa umrhumo wakho womqeshi we-401k
Ngoku lixesha lokulinganisa umrhumo wakho womqeshi. Uya kufuna ukufaka isandla sokuba umqeshi wakho uzimisele ukufanisa inkululeko kwi-401k yakho.
Inqanaba 4: iRoth IRA
Emva koko, qala imali-kwaye uzame ukuxhasa ngokupheleleyo i-Roth IRA. Iintlawulo zenziwe ngeedola zerhafu emva koko ziyakususwa nanini na. Qiniseka ukuba uqonde ukuba ungayifumana phi ngaphandle kokufumana isigwebo. Emva kokuba ufike ku-59 ½, zonke iirhoxiso zikhethi-ntlawulo. Ukongezelela, ngokungafani ne-IRA yendabuko edinga ukuhoxiswa ubuncinci kwiminyaka engama-70 ½ ubudala, akukho mfuneko yokunikezelwa kweminyaka kunye neRoth IRA. Ukufumana iimfuneko zokufaneleka kwiRoth IRA, nqakraza apha .
Inqanaba lesi-5: I-Max Out yakho 401k
Emva kokuxhaswa nge-Roth IRA yakho, buyela emva kwaye uphumelele kuma-401k wakho xa kunokwenzeka. Ngo-2016, igalelo eliphezulu li-$ 18,000. Ukuba unako ukususa i-$ 18,000 ngonyaka unethemba lokuncedisa inzuzo yomlinganiso wakho womqeshi 401k, imali yakho iya kwakha ngokukhawuleza.
INqanaba 6: Utyalo-mali oluhlawuliswayo
Ukuba wenze konke oku ngasentla kwaye unayo imali yokuyigcina, unokubeka ezo mali kwi-akhawunti ye-brokerage.
Ingaba ulawula imali yakho okanye uyenze omnye umntu ukuba awuphathe, qiniseka ukuba usepotfoliyo eyahlukeneyo efanelekileyo eya kuzuza igalelo, inzala kunye nokunikezelwa.
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.