Ingeniso yenzalo ye-Shift kuma-akhawunti omhlala phantsi ukwenzela ukunciphisa ingeniso ehlawulwayo
- Unomdla wokuvelisa utyalo-mali ngaphakathi kweeakhawunti zokuthatha umhlala-phantsi kunye neerhafu.
- Ukufumana inzuzo enkulu kunye neentengo ezizalisekileyo zokuvelisa imali ngaphandle kweeakhawunti zomhlalaphantsi.
Le nkqubo yokukhetha zeziphi iindidi zeakhawunti ezithathayo apho utyalo-mali lubizwa ngokuba yindawo ye-asethi.
Kutheni ukutshintsha indawo yokutshala imali kuyanciphisa umvuzo ohlawulwayo?
Kukho izizathu ezininzi zokuba amaqhinga eendawo zendawo asebenze ukunciphisa ingeniso ehlawulwayo.
- Intlawulo yengeniso kunye neengeniso-mali ezifutshane ezifutshane zihlawulwa intela ephezulu kunexabiso elide elide kunye neengeniso ezifanelekileyo zentengo .
- Ingeniso yemali kunye neenzuzo ezifutshane zexesha elide ngaphakathi kweakhawunti yomhlala-phantsi ayichazwa njengenzuzo engenayo yerhafu kuwe ngonyaka. Ixesha elilodwa linika ingxelo engenayo engenayo kwi-akhawunti yomhlala-phantsi xa uthabatha ukuhoxiswa. (Ukulungiswa kunye nokutshintshwa xa kwenziwe ngokufanelekileyo akubalanga njengezihoxiso.)
- Xa unamanye amazwe ngaphandle kwee-akhawunti zomhlala phantsi, utyalo-mali olunelahleko lungathengiswa ukuze kuveliswe ukulahlekelwa kwexabiso eliya kuhlawula ezinye iintlawulo. Awukwazi ukuvelisa ilahleko zentengo kwiingxowa-mali xa ziphantsi kweakhawunti yomhlalaphantsi.
- Xa unotyalo-mali olwenza igalelo ezifanelekileyo kunye neengeniso-mali zangexesha elide ngaphakathi kweakhawunti yomhlala-phantsi ehlawulwa irhafu, awunakufumana ithuba lokuhlawula irhafu engaphantsi kwolu hlobo lwenzuzo yengeniso-mali, njengoko zonke iirhafu ezivela kwii-akhawunti zomhlala-phantsi ezihlawulwa irhafu zihlawulwa irhafu. kwireyithi yakho yerhafu yengeniso.
Ngezansi umzekelo ongezantsi obonisa umntu olwabiwo lwe-stock% / i-stock exchange funds kunye nama-bond% 50 / iiCD. Kule meko, banayo yonke i-stocks / i-stock exchange funds kwi-IRA yabo, kunye nazo zonke iibhondi / ii-CD kuma-akhawunti angabikho komhlalaphantsi.
Umzekelo olula wokuthi indawo ye-asethi iyanciphisa umrhumo wakho werhafu
Indawo yesiCwangciso se-1 - Iphothifoliyo ephumelelayo yerhafu:
- I-Akhawunti ye-IRA: i-$ 100,000 kwiimpahla zamasitokethi / iimali ezihlangeneyo.
- I-Akhawunti engekho-mali: i -100,000 yee-bonds / ii-CD ezithengiswayo ngokulinganiselwa kuma-5% (Ahhh, unqwenela iintsuku xa iiCD zihlawulwa ngama-5%?)
-Ii-100,000 zamaRandi zivelisa i-R5 000 yeeRhafu ezihlawulwayo ezihlawulela ukubuyela kwiirhafu zakho ngonyaka. Umele uhlawule irhafu kwi-5,000 yeedola.
Indawo yesiCwangciso se-2 - Iphothifoliyo ephumelelayo yentlawulo:
- I-Akhawunti ye-IRA: i -100,000 i-$ 000 kwizibophelelo okanye ii-CD ezivumela u-5%.
-Nje, akukho ntlawulo yerhafu echazwe rhoqo ngonyaka, ngaphandle kokuba ukhetha ukuthatha iirhafu kwi-akhawunti yakho ye-IRA. - I-Akhawunti engekho-mboleko: i -100,000 yee-stocks / iimali ezixhaswa ngempahla.
-Izibonelelo zentengo kufuneka zixelwe ngonyaka ngamnye, kodwa ngoku xa kukho ilahleko zingasetyenziselwa ukunciphisa i-capital gain. Ngakumbi, unokulindela malunga ne-$ 3,000 yenani elipheleleyo lexesha elide elizuzayo / izabelo ezifanelekileyo kwi-100k yeeRandi ezityalomali kwi-index-cap index index.
-Ingeniso-mali yexesha elide lihlawuliswa ngentlawulo ephantsi kunomvuzo, kwaye kwezinye iimeko azihlawulwanga.
-Ungasebenzisa iimali zenkcazo-mali ezinokuthi zinciphise ngokukhawuleza ukusasazwa kwemali yonyaka.
Kucinga ukuba umntu usekhokhini yerhafu ye-25%. Kwi-portfolio yokuqala, babeza kuhlawula i-$ 1,250 ngonyaka kwiirhafu kwi-5,000 yenzuzo yengeniso.
Kwiphephafoliyo yesibini, i-$ 3,000 yeengxowa-mali zexesha elide / izabelo ezifanelekileyo ziza kuhlawuliswa kwi-15%, ngoko uza kuhlawula i-$ 450 kuphela.
Yiyo imali eyi-800 ngonyaka ngonyaka wokulondolozwa-kwaye njengoko i-akhawunti ikhudlwana, ukunyuswa kwentela kwanda.
Kodwa linda, gcina iindawo zakho ezigcinwe bucala
Ngokuqinisekileyo, ukuqonda okuqhelekileyo uthi akuyi kutyalomali yonke imali yakho ye-akhawunti engeyiyo yomhlala phantsi kwimali yesitokisini / iimali ezixhaswa ngempahla. Kufuneka ugcine inani elaneleyo lemali ngeengxowa- mali kwii-akhawunti ezingabandakanyeki njengengxowa-mali yengxamisekileyo.
Iingxowa-mali / iimali ezixakeka ngokukhawuleza zityalomali kwizinto ezinjengeemarike zemali, ii-CD kunye nolunye utyalo-mali olukhuselekileyo oluya kuvelisa imali engenayo.