Ukulandelela izinga lakho lokurhoxisa kubalulekile kumhlalaphantsi. Nasi isizathu.
Isixa sokuKhipha umzekelo
Makhe sijonge umzekelo wendlela yokurhoxiswa kwezinga lokusebenza.
- Kucinga ukuba ekuqaleni kwonyaka unayo i-$ 100,000 kwi-akhawunti ye-investment.
- Ngaphezulu kwekota uhoxisa i-$ 8,000.
- Inqanaba lakho lokurhoxisa unyaka ngowama-8% (i-8,000 zamaRandi ahlulwe yi-$ 100,000).
Isilinganiso sokurhoxisa ngokukhuselekileyo sifanele sibe ngumlinganiselo onokuwuchitha unyaka ngamnye ngaphandle kokukhathazeka ngokuphelelwa yimali. Ngokuxhomekeke kwinqanaba lomngcipheko lotyalo-mali, ukusebenza kotyalo-mali, kunye nesidingo sokwandisa ukurhoxiswa kwexabiso lokunyuka kwamanani, ukukhutshwa komntu okhuselekileyo kungahluka ukusuka kwi-3% ukuya kwi-4.5% ngonyaka.
Ezinye izifundo zicebise ukuba kufuneka uhlale uzihoxisa kwi-4% okanye ngaphantsi ukuba ukhusele. Lo mthetho wokurhoxiswa kwe-4% unokusebenza njengesikhokelo esilungileyo sokulandela. Uphando olongezelelweyo luye lwabonisa ukuba ngokulandela imigaqo eqhotyoshelweyo yemithetho yokukhawulelwa kwezinga lokutsala okukuxelela xa ufumana ukuphakanyiswa kwaye xa ufuna ukuhlawula umvuzo onokuchitha imali encinane kwaye uhoxise u-4% -6% ngonyaka endaweni ye-3 -4%.
Ukuba awukho umhlala phantsi, enye indlela yokusebenzisa isantya sokurhoxisa kukulinganisela oko unokukwazi ukuhoxisa kamva. Umzekelo, kwinqanaba elingu-5% lokurhoxisa unokurhoxisa i-$ 5,000 ngonyaka ngamnye kwii-100,000 zamaRandi eziyi-100,000 oye watyala.
Kakade ke ezinye zee-5,000 zamaRandi ziza kufuneka zibekelwe bucala kwiintlawulo zerhafu ngenzuzo.
Xa ufumana ingxaki malunga nokwenza isicwangciso sakho sokuthatha umhlalaphantsi, kunokuba uthembele kumgaqo wesithupha, uya kufuna ukwakha ishedyuli okanye ixesha elibonisa ukuba unqatshelwe ukuba uhoxiswe ngonyaka ngamnye kumhlalaphantsi.
Kweminye iminyaka ungadinga imali engaphezulu yokuthenga imoto okanye uhambo. Enye iminyaka, ungadinga ngaphantsi.
Kutheni Ufuna Ukulandelela Ireyithi Yakho yokuLawula
Xa uhlala phantsi, kubalulekile ukulandelela izinga lakho lokuhoxisa umnyaka ngamnye uze uyithelekise kwisicwangciso esibonisa ukuba kufanele kube yintoni ukuze imali yakho ihlale yonke imihla.
Ukuba izinga lakho lokurhoxisa lihlala lihleli ngaphezu kwento oyicebayo kwaye usenokuhlala ixesha elide, unokuphelelwa yimali. Ukulandelela le methrikhi kufana nokungena ngokomzimba. Yindlela yokujonga kwaye uqinisekise ukuba ukuchitha kwakho kuzinzileyo xa kuqhathaniswa nobukhulu befotfolio yakho.
Ukuphumelela kwamazinga okuphumelela
Ngenxa yokuba ikusasa, ngokuqinisekileyo, elizayo kwaye lingenakunqunywa, uya kufuna ukuba necebo eliguquguqukayo elivumela abanye "igumbi lokugubungela" kwinqanaba elinqumlayo unyaka ngamnye. Olu hlobo lwesicwangciso esitshintshileyo lithetha ukuba unokukwazi ukurhoxisa ngaphezulu kunyaka owodwa ukuthenga okukhulu njengemoto, kwaye ngaphantsi komnye umnyaka apho kungekho nto enkulu yokuthenga.
Enye indlela yokuqinisekisa ukuba awuyi kuhoxisa kakhulu ukuseka isicwangciso sokurhoxisa ngokuchanekileyo esichazela isamba semali esisetyenzisiweyo kwi-akhawunti yakho yokujonga. Oku kusebenza "njenge-paycheck" kwaye ukuba uchitha kuphela into edibeneyo kunokukugcina ungene ngaphakathi kwaye uchithe imali eyongezelelweyo eyayibekwa uphawu lwekamva-kungekhona kulo nyaka.
Enye indlela ephumelelayo yinto ebizwa ngokuba yi- time-segmented withdrawal approach apho utyalo-mali lwenziwa ukuze lilingane nexesha lexesha xa uya kulufuna. Ngokomzekelo iCD ingakhula unyaka ngamnye ukuhlangabezana neemfuno zakho zokuchitha imali ngaloo nyaka.
Ukuba unayo imali kwi-IRA kunye no-401 (k) izicwangciso, into enye ukugcina engqondweni yindlela ukurhoxisa kwakho kuya kutshintshwa xa kuPhumo oluNcinane olufunekayo luqala. Lo mmiselo ufuna ukuba uqale ukuhoxisa kwi-akhawunti yomhlalaphantsi kwi-70 1/2 yobudala, kwaye unyaka ngamnye ukhula, kufuneka uhoxise ngakumbi.
Xa uhoxiswa kumhlala phantsi, into ebaluleke kakhulu kukucwangcisa uze ulingane nesicwangciso. Ukuba nokulandela isicwangciso yinto enye ebaluleke kakhulu ongayenza ukuze uqinisekise ukuba unayo imali eyaneleyo yonke iminyaka yakho yomhlalaphantsi.