Umthetho owonwabisayo, kodwa awukho nje uncedo njengolu cwangciso olusemthethweni
Indlela uMgaqo we-72 osebenza ngayo
Thatha u-72 ulwahlulwe yi-investment return (okanye inzala yemali yakho iya kuzuza) kwaye impendulo ikuxelela inani leminyaka eliza kuthatha ukuba liphindwe kabini imali yakho.
Umzekelo:
- Ukuba imali yakho i-akhawunti yokulondoloza ifumana iipesenti ezintathu ngonyaka, kuya kuthatha iminyaka engama-24 ukuphinda kabini imali yakho (72/3 = 24).
- Ukuba imali yakho isesikhwama semali esilindelekileyo iya kulingana ne-8% ngonyaka, kuya kuthatha iminyaka engama-9 ukuphinda kabini imali yakho (72/8 = 9).
Ungasebenzisa le Rule ye-72 Calculator ukuba awufuni ukwenza izibalo wena.
Sebenzisa njengesixhobo sokufundisa
UMgaqo we-72 unokunceda njengethuluzi lokufundisa ukubonisa iimfuno ezahlukeneyo kunye nobungozi obunxulumene notyalo-mali olufutshane kunye nokutyalomali kwexesha elide.
Ngokomzekelo, ukuba uthabatha uhambo olungama-mile ukuya kwidolobho yekhonkco, akunakunzima ukuba uhamba ngeekhilomitha ezili-10 ngeyure, okanye ngeekhilomitha ezili-20 ngeyure. Awuhambi kangangoko, ngoko isantya esongezelelweyo asiyi kwenza umda omkhulu kwindlela ofika ngayo ngokukhawuleza.
Ukuba uhamba ngelizwe lonke, ke, isivinini esongezelelweyo siya kunciphisa kakhulu inani elichitha ixesha lokuqhuba.
Xa kuziwa kutyalo-mali, ukuba imali yakho isetyenziselwa ukufikelela kwindawo efihlayo yexesha elifutshane, akunakunzima ukuba ufumana ireyenti ye-3 yentlawulo okanye i-8 pesenti yokubuyisela.
Ekubeni indawo oya kuyo ayikude, ukubuyiswa okungekho nto akuyi kwenza umgama omkhulu ngokukhawuleza ukuqokelela imali.
Kunceda ukukhangela oku kwiidola zangempela. Ukusebenzisa uMthetho wama-72, ufumene ukuba utyalo-mali ufumana i-3% ephindwe kabini imali yakho kwiminyaka engama-24; ofumana i-8% kwiminyaka eyi-9. Uhlobo olukhulu, kodwa lukhulu kangakanani umahluko emva komnyaka omnye?
Masithi unayo i-$ 10,000. Emva konyaka omnye, kwi-akhawunti yokugcina kwi-interest rate ye-3%, unayo i-$ 10,300. Kwi-fund efanayo efumana i-8%, unayo i-$ 10,800. Akukho mmahluko omkhulu.
Tyala ukuba uphumelele kunyaka 9. Kwi-akhawunti yokulondoloza, unokufumana i-$ 13,050. Kwisalathisi sezitokhwe, ukuxhaswa ngemali ngokwemigaqo ye-72 yakho yemali sele iphindwe kabili ukuya kuma-20,000. Umlinganiselo omkhulu kakhulu. Yinike enye iminyaka engama-9 kwaye unayo imali engama-$ 17,000 ekulondolozeni, kodwa malunga ne-$ 40,000 kwi-index index yakho.
Ngaphezulu kwamaxesha amancinci, ukufumana izinga eliphezulu lokubuyisela alinayo impembelelo enkulu. Amaxesha angaphezu kwexesha elide, lenza.
Ngaba Umthetho Uncedo Njengoko Uhlala Ngomhlalaphansi?
Umthetho we-72 ungakhohlisa njengoko usondele kumhlalaphantsi. Masithi uneminyaka engama-55, unama-500,000 wama-dollar kwaye ulindela ukuba ugcine imali yakho ukufumana malunga ne-7% kunye nokuphindwe kabini kwiminyaka eyi-10 ezayo. Uceba ukuba ne-$ 1,000,000 kwi-65 yobudala.
Unga? Mhlawumbi, mhlawumbi akunjalo. Kule minyaka eyi-10 ezayo, iimarike zinokubuyisela ukuphakama okuphezulu okanye okuphantsi kunokuba zeziphi izibonelelo ezikhokelela ukuba ulindele.
Ngokubala kwizinto ezinokuthi zenzeke okanye ezingenakwenzeka, ungagcina ngaphantsi, okanye ulahlekelwe ngamanye amanyathelo okucwangcisa abalulekileyo njengokucwangcisa irhafu yonyaka.
Umthetho we-72 ngumgaqo wokuzibakala kumnandi, kunye nesixhobo esihle sokufundisa, kodwa kunjalo. Ungathembeli kuyo ukubala imali yakho yokugcina. Endaweni yoko, yenza uluhlu lwezinto zonke onokuzilawula, kunye nezinto ongenako. Ungakwazi ukulawula izinga lokubuyisela oza kulifumana? Cha. Kodwa unako ukulawula umngcipheko wotyalo - mali oyithathayo , ubuninzi obusindisayo, kwaye kaninzi kangakanani uhlola isicwangciso sakho.
Nokuba luncedo kakhulu xa usuhlala phantsi
Emva kokuba uthathe umhlalaphantsi, inkxalabo yakho enkulu ithatha ingeniso kwiingxowa-mali zakho, kwaye uqikelele ukuba ixesha elide imali yakho iya kuhlala lixhomekeke kwindlela othabatha ngayo.
Umthetho we-72 awuyikunceda kulo msebenzi. Kunoko, kufuneka ukhangele izicwangciso ezifana nobubanzi bexesha , okubandakanya ukulinganisa uphuhliso lwakho lotyalo kunye nexesha apho uya kufuneka usebenzise khona. Uyakufuna kwakhona ukufunda imilinganiselo yokurhoxiswa kwemilinganiselo ekunceda ukuba uqaphele ukuba unokukhupha kangakanani unyaka ngamnye ngexesha lomhlalaphantsi. Into engcono kakhulu ongayenza yenze isicwangciso sakho sokufumana umhlala-phantsi somnxeba ukukunceda ubone ngokucacileyo ukuba iziqwenga ziya kuhlanganela njani.
Ukuba ukucwangciswa kwezemali kwakulula, akunakudinga uchwepheshe ukuba ancede. Enyanisweni, kukho iinguqu ezininzi ezininzi zokuqwalasela. Ukusebenzisa i-equation math elula akukho ndlela yokulawula imali.