Ingaba unenjongo ethile, njengokuba ulondoloze umhlalaphantsi okanye ngaba unenjongo echazwe ngokubanzi, njengokuqokelela ubutyebi ngenjongo epheleleyo yokuqinisa ukhuseleko lwakho lwezezimali?
Liliphi ixesha lakho lokujonga? Unyaka omnye? Minyaka emihlanu? Minyaka 10?
Ukuba nenjongo yengqondo malunga notyalo-mali lwakho kuya kunceda ekwenzeni izigqibo zotyalo-mali ezihambelanayo, ezifana neentlobo zeengxowa-mali ezikhethiweyo zokukhetha, ukuqwalaselwa kweerhafu kunye nokuba uza kuthatha imali engakanani ukuze uqalise.
Fumana uhlobo olufanelekileyo lwe-Mutual Fund kuwe
Kukho iintlobo ezahlukeneyo zeemali ezixhamlayo kodwa konke okufuneka ukwazi ukuba uqale zezi zintathu iintlobo: iimali zamasitoreji, iimali zebhanki kunye nemali yemarike yemali. Kukho ne-hybrids, ngokuqhelekileyo kuthiwa yimali elinganisiweyo, ebeka utyalo kwezinye iindidi ezisisiseko.
Ngokuqhelekileyo, iimali zengxowa-mali zihambelana nexesha elide (ngaphezu kweminyaka eyi-10); Iimali zezibophelelo zifanelekile kwixesha eliphakathi-mali (iminyaka emi-5 ukuya kwe-10), kunye neemali zemarike zemali zifanelekile ixesha elifutshane (ngaphantsi kweminyaka emithathu). Ngaphandle kwexesha elide, uya kufuna ukwazi nokuqonda ukunyamezela kwakho.
Cinga iRhafu yeMali yeTual Fund kunye neliphi uhlobo lwe-Akhawunti oya kutyalo
Ukuhlawulwa kweerhafu zemali kuxhomekeke kuloluphi uhlobo lwe-akhawunti yokutyalomali oyisebenzisayo:
- IiAkhawunti eziNgeniso zentlawulo: Ezi ziquka i-akhawunti yomhlala phantsi (IRA, iRoth IRA) kunye ne-401 (k). Awuyi kuhlawula nayiphi na irhafu kwiimbuyekezo okanye izahlulo de uze wenze ukuhoxiswa. Kwezinye iimeko, ukuhoxiswa kwekhefu akukhatywanga irhafu, ukuba iimfuno ezithile zidibene.
- IiAkhawunti zokuRhweba eziRhafelweyo: Ezi zibizwa ngokuba ngama-akhawunti athengiswa rhoqo okanye i-akhawunti nganye yomrhweba. Uya kuhlawula irhafu yerhafu enzuzo kwiintlawulo kunye nerhafu yengeniso eqhelekileyo kwizabelo , ukuba zikhona.
Ngoku ulungele ukuthenga izabelo ze-fund kunye nokutyalomali kokuqala kwiinkampani zenkxaso-mali okanye kwi-firm credit brokerage. Iimali zokubambisana zifuna inani elincinci lokutsalwa kotyalo-mali, elidla ngokuba ngama-3,000 okanye ngaphezulu. Nangona kunjalo, kukho iinkampani ezimbalwa ezinxulumene neengxowa-mali, ezifana neT.A. Rowe Price, iTIAA-CREF, kunye neVanguard enemali ephantsi kwee-100, i-$ 500 ne-$ 1,000 ngokulandelanayo. Unokuphinda uthathe i-Investment Investments kunye noCharles Schwab.
Iingcebiso ezingakumbi zokuqwalasela xa uthengisa iiMali zeMali
Ukuba uzibophelela kwisicwangciso-mali sokuzenzekelayo, apho utyalomla ubuncinane i-$ 100 ngenyanga, unokuqalisa ukutshala imali kwixabiso eliphantsi lokutsalwa kwezolimo. Kwakhona, xa kuthengwa ngemali engama-401 (k), akukho mali encinci yokutyalomali. Konke okufunekayo ukuqaliswa kukugqiba iphepha lomqeshi.