Oku kuthetha ukuba umgca wokugqibela kuwo wonke utyalomali uhlukile kuba wonke umntu unenjongo yokuphila eyahlukeneyo, iinjongo kunye nezicwangciso.
Abanye abantu abafuni into engaphezulu kwamahektare ambalwa ngokubhekiselele entabeni, igumbi lelogi, imbhobho yokuzingela, inja ethembekileyo, kunye nencwadi enhle yokufunda kwivaranda.
Abanye bafuna iimoto ezinqamlekileyo, izindlu zee-oceanside, iindleko ezibiza, kunye nemali ethembekileyo enezitokisini ezininzi, izibophelelo , iimali ezidibeneyo kunye nezakhiwo zezindlu , abazukulu babo abayi kuba nexhala malunga nantoni na.
Ungalokothi Ufumane Into Engaqondi
Ukuba kukho umgaqo owodwa ongasindisa imali eninzi yeengxaki zemali, ngaba yiyo: Musa ukuthenga okanye ubambe nantoni na ongenakukwazi ukuchazela kwisibelethi esinezivakalisi ezintathu okanye ngaphantsi - indlela eyenza ngayo imali yayo , yintoni imingcipheko yayo, kunye nendlela leyo imali ifumaneka ngayo ezandleni zakho. Oku kuyazwakala kulula - kwaye-kodwa abantu abambalwa kubonakala beyilandela.
Umzuzwana imarike yenkomo iqala ukuqhuma kwindawo ethile, ngaphandle koko abantu abanengqiqo abanengqiqo ngokwaneleyo yokungena emvula ngaphandle kwe-ambulera ngokukhawuleza bayifumane ezintloko zabo kufuneka bathenge iimbopheleleko zetyala , nakuba bengenakukuxelela oko bakuyo.
Okanye beka imali yabo ekhuselekileyo yemali kunye nokutshintshela kwiitishi zokugcina izitishi, nangona abanako ukuchaza indlela abasebenza ngayo.
Ngaba uyayazi umahluko phakathi kwesabelo sesitokhwe kunye neyunithi yokusebenzisana eyingqinileyo ? Hayi? Emva koko ungathengi i-MLP nge-broker yakho. Zibukeka ngathi zi-stocks, urhwebo olunjengamasheya, kodwa ngokuqinisekileyo alukho impahla.
Unokungena kwi-surprise surprised tax if you start collecting them without knowing what you are doing. Ngaba uyazi indlela ikhefu ekhethiweyo ehluke ngayo kwi-stock efanayo kunye nezibophelelo zenkampani? Hayi? Emva koko ungabathengi.
Kuyafana konke okuvela kwizabelo eziguqukayo ukuya kwi- REIT . Kukho ixesha elininzi lokufunda malunga nalezi ziqinisekiso kwaye unako ukuzithenga ngomso. Ukuhlahlela ngaphambi kokuba ulungele, ulwaziswa kakuhle, kwaye uqaphele ingozi ifana nomntu ongagqirhayo ukugqiba i-toay yakhe yokuqala kwiqula kufuneka ukuba avela kwibhodi ephezulu yokupaka i-Olympic. Mhlawumbi ayiyi kuphelisa kakuhle kwaye xa yenzayo, inhlanhla, ingabi buchule.
Zikhusele kwi-Downside ngokuLawula ingozi
Ingozi ihlala ikhona xa ulawula imali yakho kwaye utyalo-mali ngokufanelekileyo ufuna ukuba uyihloniphe ngelixa linye linciphisa . Ukuba awukwazi, unokususa iminyaka, mhlawumbi kwamashumi eminyaka okanye ixesha lokuphila, lokulondoloza; ulondolozo owalitshintshile ngalo ixesha lokuphila kwakho (ngokwenene - uthengise iiyure zobomi bakho ngokutshintshela loo mali; iiyure usenokuba uhlezi elunxwemeni, ubhala iveli, ufunde ukupenda, uhamba ngomda wonxweme waseFlorida , okanye ukuphinda uqhube umdlalo ozithandayo).
Kukho iintlobo ezahlukeneyo zengozi yokutyalomali : umngcipheko wobutyebi, umngcipheko we- inflation, umngcipheko wemakethe, umngcipheko wenkampani kunye nobungozi bokukhwabanisa.
Kuye kwaye kuqhubeka. Le ngenye yezizathu kuba kubaluleke kakhulu ukuba ingagxininisekanga kwiimbuyekezo ezingapheliyo, kodwa ukubuyiswa okubuyiselwa kwingozi ; ngokukhawuleza, rhoqo, uzama ukunciphisa umngcipheko .
Kuba abatyali-mali abaninzi, i-dollar indleko yokulinganisela kwiipotifoliyo ezahlukahlukeneyo ngokweminyaka emininzi, i-statistically, indlela ephumelele kakhulu yokunciphisa kakhulu ingozi yazo zonke iintlobo . Iqabane lento eneemali ezinkulu zokubonelela ngemali xa kunikezelwa ukulahleka kwemisebenzi, ukulungiswa kwemali, ukuvalwa kwemakethe yempahla okanye ukuwa, inhlekelele yemvelo, okanye ezinye iimeko ezingalindelekanga kwaye uhamba ngendlela efanelekileyo.
Oku kunokuba kuzwakala ngathi-intuitive kodwa abatyebi bezityalo-mali basuke begqithiswe ngokugcina imali ephezulu yemali. Kwimizi eyi-115,610,216 e-United States, iqikelelo eli-1,821,745 linama-portfoliyo atyalo-mali axabisa ngaphezu kwe-3,000,000 yee-dollar kwaye ininzi yale mali iphakanyiswe kwi-greenbacks.
Ucinga ukuba abatyebi banako ukuthenga iimpahla ezincinci xa yonke into isezantsi?
Mhlawumbi akukho mntu ubandakanya lo mbono ongcono kunomtsalane-mali-mali uWarren Buffett . Inkampani yakhe, iBerkshire Hathaway , iqikelelwa ngama-dollar ayi-60 yeebhiliyoni kunye nemali engqinelanayo yemali ehleli kwibhalansi . Uxhamla imali, ngamanye amaxesha ngeminyaka ekugqibeleni - kwakukho ixesha elidlulayo kwiminyaka yee-1980, enyanisweni, xa engathenganga isitokethi esisodwa-ukulinda ithuba elifanelekileyo lokuthatha amashishini angabonakaliyo ahlala kuyo kwiminyaka emininzi.
Thatha inzuzo kuMandla weNkqutyana yeNkqutyana njengangokokuqala kunokwenzeka
Ukutyalwa kwezilumko kubhekiselele ekusebenziseni amandla okwenza umdla . Osemncinci uqala, kulula ukuba udibanise umthamo we-jaw-dropping worth. Umfundi wasekholejini osindisa imali engama-$ 111 kuphela ngomvuzo, ngokwenza umzekelo, unokuphela nge-$ 4,426,000. Le ngenye yezizathu kuba kulula ukuba izityebi zicebile: Xa ubeka isikhwama sokwethemba kubantwana bakho okanye abazukulu, baya kuzuza kwixesha lokuphila lokuqhelanisa, bebukele imali yabo xa bekhula esikolweni. Leyo minyaka eyongezelelweyo iyingqayizivele ngokwemiqathango yokugqibela.
Mhlawumbi umzekelo wemathematika unokukunceda. Siza kusebenzisa ixesha elithile lexabiso leemfomula . Cinga ukuba kukho abantu abathathu-uSamuweli, uAbhigali, noDaisy.
- USamuweli uqala ubomi ngaphandle kotyalo-mali, alondolozi kwiminyaka engamashumi amabini anesithathu. Kodwa uqala ukwenza imali eninzi ngelixa aneminyaka engama-45, apho aqala khona ukubeka eceleni i-$ 5,000 ngenyanga. Ukucinga ukuba ireyiti yokubuyisela emyinganisweni ye-equity, iphelela ngama-3,436,500 ayi-$ phambi kweerhafu ngeli xesha athe wahlala phantsi.
- UAbhigali uqala ubomi ngaphandle kotyalo-mali kodwa wayehlala ethanda kakhulu imali kunye nemali. Xa eneminyaka eyi-18 ubudala, unquma ukubeka eceleni i-$ 100 ngeveki. Uyigcina le mkhwa kulo lonke ixesha lokuphila kwakhe kwaye akazange akhulise imali ngokunyuka kwamaxabiso, oku kuthetha ukuba ngokuthe kancinci kwaba lula kwaye kulula ukuyifumana. Ukucinga ukuba ireyiti yokubuyisela emyinganisweni yamanani akhe, iphelela nge-4,534,269 yeerhafu phambi kweerhafu ngeli xesha elithatha umhlalaphantsi.
- UDaisy uzalwe kwaye ukusuka ekuphefumlweni kokuqala, abazali bakhe bashiya i-$ 25 ngeveki ukuze atyala imali. Lo mgaqo ugcinwa kulo lonke ubomi bakhe, kwaye awunakunyuswa ngexabiso lentengo. Ukucinga ukuba ireyiti yokubuyisela emyinganisweni yamanani akhe, iphelela nge $ 6,361,819 ngelixesha elithatha umhlalaphantsi.
Ukuba ufuna ukwazi ukufumana isityebi , kukho imfihlo: Nokuba ubeke imali eninzi ukusebenza, makumele usebenze ixesha elide okanye, ngokufanelekileyo, zombini.
Hlela ii-Holdings zakho kwaye ube neendlela ezikuvumela ukuba unciphise iRhafu
Emva kokuba ubone indlela enamandla yokwenza udibaniso kwinqanaba lokugqibela, uyaqaphela ukuba yonke idola iyakufaneleka kakhulu iidola ezizayo xa ilawulwa ngobuchule . Okungaphezulu ongayigcina kwiirhafu, imali eninzi usebenza kuyo. Funda ukuba ungayisebenzisa njani iimfanelo zerhafu .
Jonga indlela yokusebenzisa i-Roth IRA , eyona nto ifanelekileyo kwindawo yokukhusela yentlawulo epheleleyo kunye neeklasi eziphakathi kunye nezifundo eziphakathi. Yenza isakhiwo sakho seentsapho ukuba sibe neendawo zokubambisa ukwenzela ukuba isiseko sokunyuka kwesininzi singathatyathwa ngokufa. Sebenzisa ubuchule bokubekwa kwee-asethi ukunciphisa iintlawulo zerhafu. Ifom yentsapho inqabile ukusebenzisana ukuthungatha ubutyebi kusetyenziswa izaphulelo zerhafu ukuya kwiirhafu zesipho esincinane.
Musa ukukopela kwiirhafu zakho, ungasondeli kumda wemigca, kodwa ngokuqinisekileyo uyisebenzise yonke ikhefu leNgqungquthela ikunikezele phantsi komthetho. Abameli bakho abakhethiweyo bawabeka apho ngenxa yezizathu kwaye bacinga ukuba uya kuzuza kubo ngoko uthetha nabacebisi bakho ukuba bafumane into olahlekileyo.
Lawula iindleko zakho
Ngamanye amaxesha, iifizi zifanelekile. Ukufumana umthamo othile othile ophezulu, ngokukodwa ngeemfuno eziyinkimbinkimbi (uthi usebenzele inkampani ye-Fortune 500 kwaye wagqiba ukuqokelela ibhola egciniweyo ye-stock efunekayo ukuze uhlawule ngendlela ehlelekile, ngelixa ukunciphisa irhafu nokukhusela ukuwa kweemarike ngokukhawuleza. ), ibhanki yabucala okanye umcebisi-mali obhalisiweyo ohlawula i-1% okanye i-2% yentlawulo inokulinganisela ngokulinganisela ubunzima bakhe kwigolide, egqithise kakhulu inani eliza kugcinwa kunye nokuzama ukuzenza.
Ukwakhiwa kwiphothifoliyo usebenzisa into efana neyohlala inzuzo yithemba yedwa inokuzihlawulela ngokwayo kwindleko zentlawulo ezininzi, ngamaxesha amaninzi. Ukumisela i-QTIP ethembekileyo eqinisekisa ukuba abantwana abasemtshatweni wokuqala abazange bahlanjululwe ngenyameko okanye kwintombi yesibini (okanye yesine) xa iqabane elitshatyalaliswayo linikezelwa ngexesha lokuphumla kwakhe kubomi.
Kukho iimeko ezininzi apho loo ntlawulo nganye ethanda ukukhalaza yona mali engcono kakhulu ongayichitha, ngaphandle kokuba idibeneyo kwinkqubo ebanzi yenkonzo. Umthuthukisi wezindlu? Unokufumana ukufumana imali engcono kwiiprojekthi zakho ngokuba yinxalenye yeqela labaxumi bebucala, umrhumo owuhlawulayo kwi-trust yakho kunye neefowthifoliyo zeefowthifoli ezixhomekeke kwintengo yokugcina imali.
Ingane yakho intsha iyenzeka engozini, uphume kweli lizwe, kwaye ufuna umntu ukuba amkhwelise entolongweni phakathi kobusuku? Ubungqina bakho bobuncwane bobuncwane bamashishini abucala bungenza oko kodwa inkampani efana neVanguard ngokuqinisekileyo ayizuzanga. Yiyo yokurhweba. Kufuneka ukhangele yonke umfanekiso. Ufumana ntoni? Imbuyekezo yeemarike ayiyena yimihluko kuphela. Inkonzo, ukunciphisa umngcipheko, ukufikelela, ukwandiswa kwemveliso yemveliso, kunye nokuncedisa ubumfihlo ngasese kwimenyu.
Oko kwathiwa, kubabanini-mali abancinci nabasemgangathweni, oku akusixhalabo. Asoze abe nobutyebi obaneleyo, kwaye akafuneki ngokwaneleyo, ukunyamekela ngeenkonzo ezongezelelweyo kunye neenzuzo. Ayikho imizobo yeoli yokuqinisekisa okanye ukuhlola imvelaphi kwi-nannies ukwenza. Ngaloo ndlela, ixabiso leendleko kunye neendleko ofuna ukuhlawula ngayo ingakumbi zibandakanya umlinganiselo wendleko yobudlelwane .
Kwabaninzi, oku kuthetha ukukhetha into efana neendleko ezincinci eziphathekayo, kwiinkampani ezifana neVanguard ngasentla. Kwabanye, kuya kutshintshwa kwenkampani yokuthengisa isaphulelo sokuhlawula imali engama-R10 okanye ngaphantsi kwezorhwebo kunokuba ibhanki yendabuko ehlola i-150 $ ikhomishini kwinto efanayo yokuhweba.