Iingcebiso eziphambili zeendlela zokufumana umhlala-phantsi
Nangona kunjalo, nganye imeko inezikhokelo eziqhelekileyo ezifanayo ukutyalomali kunye neemfuno zokulondoloza. Ngokomzekelo, abantu abasemhlala-phantsi bahlala kwixesha apho bahoxisa kwi-yabo yokugcina ubomi, kunokungongeza kuyo.
Kwakhona, njengoko kwiminyaka ekhokelela ekubeni umhlalaphantsi, abahlala phantsi kufuneka baqaphele ukukhetha utyalo-mali olufanelekileyo kwiimfuno zabo. Nangona kunjalo, ngokuthatha umhlala-phantsi, ezi mali-mali azikho ukukhula njengoko zinjalo zokulondolozwa kunye neengeniso.
Ngoko utyalo-mali kumhlala-phantsi ngumsebenzi onokulinganisa kodwa unokwenziwa ngempumelelo xa kukho ezinye iingongoma eziphambili ezikhunjulwayo kunye neendlela zobuchule ezisetyenziswayo. Iingxowa-mali ezizimeleyo zomhlala-phantsi zizo ezo zihamba ngezinga lokunyuka kwamaxabiso kodwa zigcine ingozi kumazinga amancinci ngelixa libonelela ngenani elipheleleyo lokubuyisela eliya kuqinisekisa ukuba kungenzeka ukuba imali enokuhlala ixesha elide ngaphezu kwakho.
Indlela yokusebenzisa i-4 Percent Rule ye-Retirement Income
Ngaphambi kokungena kumhlala phantsi kuya kufuneka ucebise izinga lokurhoxisa. Umgaqo oqhelekileyo wesithupha uqala ngezinga le-4.00%. Umzekelo, ukuba ufuna i-$ 40,000 ngonyaka ukusuka kwiakhawunti yakho yokuthatha umhlala-phantsi ukubonelela okanye ukongeza imali engenayo, kufuneka uqale inani le-portfolio eliyi-$ 1,000,000 (40,000 yi-4% ye-1,000,000).
Ulawulo lwe-4% luye lucacise ezinye iindleko zokubuya kunye nokunyuka kwamaxabiso kwaye zibonisa ukuba izinga lokurhoxiswa kwe-4% lingakunikela umhlalaphantsi ophezulu ukuba i-akhawunti yabo yomhlala-phantsi yomhlalaphantsi ayiyi kunciphisa ukuya kwixesha labo lobomi, ukuba Iminyaka engama-30 ukususela kumhla wokuthatha umhlalaphantsi.
Ukulandela umzekelo weR $ 1 yezigidi ngasentla, umhlala-phantsi uza kuhoxisa i-$ 40,000 ngonyaka omnye womhlalaphantsi. Ukuba ukucinga kwabo kwintengo yokunyuka kwamaxabiso ngonyaka kwakungama-3% ngonyaka, babeza kuhoxisa i-$ 41,200 (i-40,000 + 3% okanye i-$ 40,000 + $ 1,200). Ngomnyaka wesithathu, umhlala-phantsi uza kwandisa u-3% ukuya kwii-41,200 zamaRandi kunye njalo ...
Fumana iifom zeNgxowa-mali eziPhambili
Ezinye iingxowa-mali eziqhelekileyo, ezihlanjwe ngokubanzi njenge "imali yengeniso yomhlala-phantsi" okanye "imali yokutshintshwa kwengeniso," zenzelwe ukuhlala phantsi. Ngokuqhelekileyo, imali ephezulu yokufumana umhlalaphantsi inomsebenzi obalulekileyo olinganisa ukugcinwa kweempahla, inzuzo kunye nokukhula, okubaluleka kuloo myalelo. Ngokomzekelo, iinjongo eziphambili kukufikelela kwimbuyekezo emihle (ngaphezu kwepesenti zero); Isibini sibalulekileyo kukufikelela ekubuyiseleni imali okanye ngaphezulu kwexabiso lentengo; kunye neyona nto ephambili, engekona "njongo", kukukhula kweempahla. Oku kungenxa yokuba ukukhula ngokungaphezulu kwezinga lokunyuka kwamaxabiso kuya kufuna ukuba kubekho umngcipheko omkhulu kumarhwebo, okwandisa iingxaki zokulahlekelwa kwinqununu.
Imimiselo yemali yokufumana umhlala-phantsi yomhlalaphantsi iquka i-Vanguard Intlawulo yeNtlawulo yokuSasazwa kweNgxowa-mali ye-Investment Shares (VPDFX), eneprofayili engqongileyo, kunye neFidelity Freedom Income Fund (FFFAX), eneprofayili yengozi.
Nangona umsebenzi ogqityiweyo awunaso isiqinisekiso semiphumo yesikhathi esizayo, zombini iimali ziye zenzeke ukubuyela kwexesha elide okanye ngaphezulu kwe-4.00% ngokwesilinganiso ngonyaka.
Ukutshala imali kwiNgxowa-mali
Njengemali yokufumana umhlala-phantsi, iimali ezilinganisiweyo zixhaswa ngemali (joint balance) enikezela inxaxheba (okanye ibhalansi) yezinto eziphantsi kobutyebi-mali, ezifana nezitokhwe, iibhondi kunye nemali.
Kwakhona kuthiwa yimali ye-hybrid okanye imali eyabelwe i- asethi, ukwabiwa kwe-asethi kuhlala kulungelelanisiweyo kwaye kusetyenziswe injongo ebhaliweyo okanye isityalo-mali. Ngokomzekelo, i-fund echanekileyo yengxowa inokutyalomla kwimxube egciniweyo yexabiso lempahla-mali, njengama-stock% 40, iibhondi ezingama-50 kunye ne-10% yemarike yemali. Unokufumana iimali ezilinganiselayo ezilinganayo (umngcipheko ophakathi) okanye obushushu (ingozi ephezulu) ehambelana neemfuno zakho.
Utyalo-mali kwiNgxowa-mali eNgenisiweyo
Xa kwakhiwa iphothifoliyo yeemali zentengiso, i-term income income ngokubanzi ibhekisela kwingxenye yepotfoliyo equkethe imali ephantsi kwengozi yemarike kwaye ihlawula inzala kumtyalomali ngenjongo yokuvelisa ingeniso.
Ingcamango ebanzi yeqhinga lokutyalomali lokungenisa imali ngenjongo yokuvelisa ukubuyiswa okuzinzile kunye nokuqikelelwa.
Ekubeni isicwangciso esicwangcisiweyo sokufumana ingeniso ukuvelisa umthombo onokuthenjwa wemali engenayo, iintlobo zotyalo-mali zingabandakanya iimali ezixhaseneyo kunye nezivumelwano zentengiso yemali, iimali zeemarike zemali, iiSatifikethi seDispositi (iiCD) kunye / okanye iintlobo ezahlukeneyo zokuhlawula isahlulo sokufumana ingeniso kwi-portfolio yakho.
Imali-mali yokuThatyathwa kweSahlulo
Ingeniso iveliswa ngaphezu kweemali eziqhotyoshelweyo kunye neengxowa-mali. Iimali zokubambisa ezityalwe kwiinkampani ezihlawula igalelo zingaba yinxalenye yesikhundla sephothifoliyo. Izahlulo ziyakwamkelwa njengemvelaphi yengeniso okanye zingasetyenziselwa ukuthenga izabelo ezininzi ze-fund. Uninzi lwabatyalo-mali abathengisa imali yokuxhasana ngemali bahlala befuna umthombo wemali engenayo, oku kuthetha ukuba umtyalomali angathanda iintlawulo ezizinzileyo kunye ezinokwethenjelwa kwi-investment fund yazo.
Indlela elula yokutyalo-mali kwiimali ezihlawulelwayo ezihlawulelanayo ziza kusebenzisa i-fund fund, njenge-T. Rowe Price Dividend Growth (PRDGX), okanye i-Exchange Traded Fund (ETF), njenge-SPDR S & P 500 i-ETF (i-ETF) SDY).
Indlela yokusebenzisa iMali yeeMali zeMalike kwiRhafu
Imali yemarike yemali ayinikezeli isivuno esiphezulu kodwa ingaba yinxalenye ebalulekileyo yokwabiwa kwempahla yomhlalaphantsi. Uza kusebenzisa inketho yemakethe yemali enikezelwa yinkampani yokuthengisa okanye i-joint fund fund ephethe i-akhawunti yakho yomhlalaphantsi. Ungathengisa amaxabiso angcono kwiwebhusayithi njengeBhangerate.com. Ngokuqhelekileyo, kulungele ukusebenzisa imali yeemali zeemakethe yemali ehlawulwayo, njengama-akhawunti athengiswa rhoqo, kunye neemarike zemali ezihlawulisiweyo kwiakhawunti ezithengiswa ngerhafu, njenge-IRAs. Oku kuyinyani ngokukhethekileyo kubantu abakwii-bracket eziphezulu.
Njani kunye Nini ukwakha iLedder CD
'I-CD Ladder' isicwangciso sokulondoloza apho umgcini-mali okanye umtyalomali uthenga izatifikethi zeDistim (iiCD) ngokunyuka ngaphezu kwexesha. Ngokufana ne-dollar-cost cost inverted with stocks and funds, umtyalo-mali, umzekelo, uya kuthenga isamba esicwangcisiweyo sedoli ngenyanga okanye ngekota. Isicwangciso se-CD sokumamela sivakala nje: Umgcini "uyakha" ilayiti yeeCD ngokukhawuleza ngokuthenga iiCD ngokuphindaphindiweyo kwaye ngamaxesha ngexesha elicwangcisiweyo.
Ithuba elona lifanelekileyo lokusebenzisa i-CD yinqanaba xa amazinga omyinge ephantsi kwaye kulindeleke ukuba avuke kwikamva elikufutshane. Ngokomzekelo, umtyalo-mali we-CD akafuni ukubopha konke ukugcina kwabo kwi-CD enye yezinga eliphezulu. Ukuba ixabiso lomdla kulindeleke ukuba liphakamise umtyalo-mali we-CD uza kukwazi ukuhlaziya kumazinga aphezulu njengoko nganye CD nganye 'iphakamileyo' ikhula.
Indlela yokwakha iNgxowa-mali yakho
Ukwakha iphothifoliyo yakho yemali yomhlala-phantsi yomhlalaphantsi kufana nokwakha iphothifoliyo nayiphi na isizathu esithile: Kufuneka ube ne-mix mix of funds ezihlukeneyo ezinokuthi zifezekise injongo yakho yokutshala imali, okuza kunika utshintsho kumhlalaphantsi kwaye kuphele iminyaka emininzi ukulandela. Cinga ukusebenzisa isakhiwo sePortfolio yeCore kunye neSatellite , eyona eyakhayo kwi-hold holding core, njengengxowa-mali yokufumana umhlalaphantsi, i-fund balance or index fund. Ingundoqo ingabonisa inxalenye enkulu, njenge-30% okanye 40% yepotfolio yakho yonke. Ungongeza ke ukuxhasa "ama-satellites," angaba ngu-5% ukuya kwi-10% nganye.
Iingcebiso zoCwangciso lweRhafu zoThengiselo lweMhlala-phantsi
Ngokuqhelekileyo, ukuba ulindele ukuba ube kwi-bracket yerhafu ephezulu kwi-retrait, iRoth IRA iyona nto ibhetele. Ukuba ulindele ukuba ube kwibhakethi yentela ephantsi, eyona nto ibonakalayo, i-IRA yendabuko iyona nto ibhetele. Ukuba uya kuba sekhokheni enye yentela, akunandaba nokuba uyisebenzisa. Unokucinga kwakhona usebenzisa i-akhawunti ye-brokerage rhoqo. Ungasebenzisa kwakhona intlangano yazo zonke ezintathu kwaye ungakhohlwa malunga ne-401 yakho (k)! Ngaphezu kwakho konke, ukwazi ukuba yeyiphi i-bracket yerhafu ye-federal oza kuba nayo ekuqaleni komhlalaphantsi iya kuba ngumngeni wakho omkhulu. Kwakhona kubalulekile ukuba ube neyona ndawo yindawo engcono yeyona ndawo (ukwazi ukuba yiyiphi i-akhawunti eyona nto ibhetele okanye eyona mibi kwiintlobo ezithile zeemali eziphathekayo).
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.