Ngaphezulu kwama-40 nangemva kokugcina umhlalaphansi? Nazi iingcebiso ezi-7
Hayi, darn. Awuzange uqale ukugcina umhlala-phantsi ekuqaleni. Ngoku kuthweni?
Nazi izicatshulwa ezimbalwa zokukukhokela ngokulondoloza umhlalaphantsi ukuba ungena kumdlalo ngokukhawuleza.
Dlala iCatch Up
Makhe sicinge ukuba uneminyaka engama-40 ubudala , kunye ne-$ 0 yokugcina umhlalaphantsi.
Xa uneminyaka yakho, uvumelekile ngokomthetho ukugcina i-$ 17,000 ngonyaka kunyaka-mali yomhlala-phantsi ka-401k. Imali iya kufikelela phi?
Ukuthatha i-7 yeepesenti yentlawulo yokubuyisela - okungahambi ngokungathandabuzekiyo, ngumyinge we-return rate we-intanethi u-Warren Buffet uqikelela ukuba siza kubona kwiminyaka ezayo - i-401k yakho iya kukhula ibe yi-1 million yezigidi kwiminyaka engama-24 kunye neenyanga ezimbini. Oko kuthetha ukuba uya kuba nomzila wokuba ne-$ 1 yezigidi nge-64 ubudala, ngexesha lokuthatha umhlalaphantsi .
Uya kufuna iminyaka eyisi-7 eyongezelelweyo ukuze ube ne-R1 million yezigidi ezithengiswa ngamaxabiso, ezilingana neerola zamhlanje. Ngamanye amagama, uya kuba ne-$ 1 yezigidi ezi-1000 ezithengiswa ngemali ngokunyuka kweminyaka engama-71, ecinga ukuba uqhubeka unika i-$ 17,000 ngonyaka. Ekubeni abaninzi abahlala phantsi baye bafikelele kwiminyaka eyi-68 okanye i-70, ukusebenzela iminyaka eyisi-7 eyongezelelweyo ingaba ngumgomo onokufezekiswa.
Qonda ukuba Uninzi olunjani
"Kodwa andiyidingi isigidimi!" unokucinga. "Ndifuna nje ubomi obulula."
Hayi, kodwa ubomi obulula bufuna i-$ 1 yezigidi ebhankini.
Uyabona, ezininzi iingcali zivuma ukuba ngexesha lokuthatha umhlalaphantsi, kufuneka uhoxise ngaphezu kwe-3 ukuya kwe-4 ekhulwini lakho lepoteliyo ngonyaka. (Ezi ziyaziwa ngokuba yi " 4% yokulawula " kunye ne " 3 Rules Percent ".)
Ipesenti ezintathu zeedola ezi-1 zigidi ezingama-30,000. Ipesenti ezine zeedola ezi-1 zigidi ezingama-40,000. Ngamanye amagama, ukuba ufuna ukuhlala kwimali engenayo ye-$ 30,000-$ 40,000 ngonyaka ngomhlalaphantsi, uya kufuna iphothifoliyo ubuncinane be-$ 1 yezigidi zeedola.
(Le nto ibonisa ukuba awunayo ipensheni, izakhiwo zokuqashisa, okanye ezinye iimithombo zengeniso yomhlala-phantsi . Kwakhona kubandakanywa ukuKhuseleko loLuntu, abantu abaninzi abafumana ukuba baninzi kunokuba balindele.)
Ungawuthabathi kwiMngcipheko ongakumbi
Abanye abantu benza impazamo yokuthatha umngcipheko othe wongeza utyalo ukuze wenze ixesha elilahlekileyo. Iimbuyekezo ezingenako ziphezulu: kunokuba iipesenti ezi-7, kunethuba lokuba utyalo-mali lwakho luyakhula iipesenti ezili-10 okanye i-12 ekhulwini.
Kodwa umngcipheko, ubuhle bokulahlekelwa, luphezulu kakhulu. Umngcipheko wakho kufuneka uhlale uhambelana neminyaka yakho. Abantu abaneminyaka engama-20 banokufumana ilahleko ezinkulu kuba benako ixesha lokufumana kwakhona. Abantu abakuma-forties abo abakwazi.
Musa ukwamukela umngcipheko ophezulu kwipotfoliyo yakho. Khetha enye yezi zilandelayo zilandelayo:
- 120 unciphise iminyaka yakho kwimali yesitokethi , kunye neyezinye kwiimali ezibophelelweyo . (Inqanaba eliphezulu kakhulu elimkelekileyo lomngcipheko.)
- 110 unciphise iminyaka yakho kwimali yesitokhwe, kunye nazo zonke eziseburhulumenteni zemali. (Inqanaba elilinganayo lomngcipheko.)
- Ubudala bakho kwiimali ezibophelelweyo , kunye nazo zonke ezikhoyo kwiimpahla zeempahla. (Ininzi yolondolozo olumkelekileyo olumkelekileyo.)
Vula iRoth IRA
Xa usuqedile ukukhupha i-401k yakho, vula i-IRA kwaye wandise igalelo lakho kulowo.
Umntu oneminyaka engama-40 ubudala ofanelekileyo ukufaka igalelo ngokupheleleyo kwiRoth IRA unokuncedisa imali eyongezelelweyo ngonyaka ngamnye ukugcina imali yomhlalaphantsi .
Iminikelo kwiRoth IRA ikhulisa irhafu kwaye ingahoxiswa irhafu. Uyakuphepha nokuhlawula irhafu yengeniso .
Thenga i-inshorensi efanelekileyo
Iintlekele ziyona sizathu esona sizathu esikhulu sokuba abantu baphoqelelwe ukuba bavakalise ukuchithwa. Ukunciphisa ingozi yakho ngokuthenga i-inshorensi yempilo eyaneleyo, i-inshorensi yokukhubazeka kunye ne-inshurensi yemoto.
Ukuba unabantu abaxhomekeke kuyo, qwalasela i- inshorensi yobomi bexesha elide ixesha abaxhomekeke kuzo bakho bathembela kuwe ngemali. Iingcali ezininzi zezezimali zithi i-inshorensi yonke yobomi ayifanelekanga ingcamango, ngakumbi ukuba uqala umgaqo-nkqubo kwiminyaka yakho-40.
Ezi zijonge nje ngokubanzi. Thetha kumcwangcisi wezemali-kuphela ozifumanayo ukuze afumane isiluleko esilungeleleneyo.
Khangela abacwangcisi abanomsebenzi "wokubambisana" njengabaxhasi babo.
Hlawula ityala
Ukuhlawula ityala lekhadi lesikratshi , iimali-mboleko zemoto , kunye neminye inzala ephezulu okanye engekho mboleko.
Gqiba ukuba okanye awufanele wenze iintlawulo ezingaphezulu kwi-mortgage yakho. Ukuba uhlala kwisigaba sokuqala semali yakho yokuthenga , kwaye ezininzi iintlawulo zakho zisetyenziselwa umdla, kungenza kube nengqiqo ngakumbi ukwenza imali ehlawulwayo yokuthenga imali .
Nangona kunjalo, ukuba uneminyaka yokugqibela yemali yakho yokubolekwa kunye neentlawulo zakho zisetyenziswe ngokuyinhloko kwinqununu, unokuba ngcono ekutshaleni imali.
Khumbula: Wena Nomfazi Wakho Uya Kuqala
Musa ukufaka imali yokugcina umhlala-phantsi ukuze uthumele abantwana bakho ekholejini. Abantwana bakho banamathuba amaninzi kunye namathuba kunoko.
Abantwana bakho bangathatha imali yokubolekisa abafundi . Awukwazi ukukhipha "mboleko yomhlalaphantsi."
Abantwana bakho banabo ubomi babo bonke. Ixesha lisekho icala. Ixesha alikho kwicala lakho.
Abantwana bakho bangaqala ukugcina umhlala-phantsi kuma-20 kunye nama-30. Awunokwazi.
Abantwana bakho bakhulile ngoku; Bayeke bahambe ngeenyawo zabo ezimbini. Isipho esona sihle kunazo zonke onokubanika sona ngumsebenzi wakho wokhuseleko lomhlalaphantsi.