Iindlela ezigqwesileyo zokukhuphula i-Lump Sum Distribution Ukusuka kwi-401 (k) okanye omnye uMthombo
Nantsi into enokuyenza ngaphambi nangemva kokufumana isamba sakho semali.
Qinisekisa iNgcaciso yeSigqeba esiPhambili seSigxina seNkcitho kunye neNqwelo
Ngokuxhomekeke kwimali eningayifumanayo, kwaye nicinga ukuba unethuba elingaphambi kokuba ufumane imali yakho okanye ukhangele, uya kuba nobulumko ukuqala ukukhangela indawo yokubamba imali yakho kunye nokuphanda izithuthi zokulondoloza okanye iintlobo zokukhusela ukutyalomali yakho imali.
Ngamanye amazwi, musa ukukhawuleza isigqibo!
Kungenzeka ukuba uya kuba nokusetyenziswa okungaphezulu kweyodwa ukuhamba kwemali yakho. Ngokomzekelo ungafuna ukuhlawula ityala ngenxalenye, kunika abanye, sebenzisa ezinye iholide ezifanelekileyo, kwaye sebenzisa intsalela ukuba utyalole umhlalaphantsi. Nasiphi na isixa ongeke usebenzise ngaphakathi kweeveki ezimbalwa ixesha unokuqalisa ukufumana umdla.
Kwiimeko ezininzi, uza kufaka imali kwingxowa-mali yemarike yeemfuno zemali ezifutshane. Iimali zeemarike zemali zizithuthi zokulondoloza inzala-mali, oko kuthetha ukuba unako ukufaka idiphozi kwaye uhoxise kubo naliphi na ixesha ngaphandle kwehlwayo okanye iifizi.
Abatyalomali bangakwazi ukuthenga iimali zeemarike zemali kwiifemu zecandelo le-fund, iifenki zentengiso kunye neebhanki. I-Vanguard Prime Money Market (i-VMMXX) kunye ne-Fidelity Cash Reserves (FDRXX) zihlala ziphakathi kwezivuno eziphezulu kwiziko elikhulu zezemali.
Abasindisi kunye nabatyalomali banokufumana ezinye zeemali zeemalike zeemalike zeemalike kakhulu kwilizwe laseBhangerate.com.
Qinisekisa ukuba Yintoni oza kuTyala okanye ukufumana uMcebisi
Ngaphandle kokuba unamava ngokutyalomali, unokufuna ukuthetha nomcebisi wezezimali ngaphambi kokuba unqume ukuba wenze ntoni ngemali yakho. Ngaphandle kokuba imali iyatshisa ngokupheleleyo ephaketheni lakho (okwentswelo lokuba uya kuchitha ngaphandle kokuba ufumane indawo ngokukhawuleza), kufuneka uthathe ixesha lokufumana uhlobo olungcono lomcebisi- mali.
Kwimeko ezininzi, umcebisi-kuphela umcebisi nge- Certified Financial Planner (CFP) ukhetho olukhethekileyo. Isizathu salokhu kukuba abathengisi bamasheya, amabhanki kunye neenkampani zomshuwalense zivame ukusebenza kwiikomishoni. Ngoko ke xa behlawulelwa ukuthengisa imali ethile phezu komnye, abanokusebenza ngentshisekelo yakho.
Qinisekisa oko Ufuna Imali Yenze Kuwe
Oku kungacaceka kakhulu kodwa ufanele ube nombono okanye isakhiwo semali yakho, okanye oko kuza kuba yipotfoliyo yakho yokutshala imali, ngaphambi kokuba uyibeke imali ngaphandle kwe- fund market . Ngokufanayo, awufuni ukushiya imali yakho kwisithuthi sokulondolozwa kwamanzi njengokuba ixesha elide okanye ungase ulahleke ithuba lokwenza imali yakho isebenze kakhudlwana kwinto efanelekileyo ngakumbi emsebenzini.
Umcebisi wezezimali unokubiza lo mbono okanye ukuseka injongo yakho yokutshala .
I-Lump Sum Invest kunye ne-DCA: Yehla Ngoku Okwangoku okanye Ngaphantsi Kwenyuka Kwexesha?
Ingaba ubeka yonke imali yakho ukuba isebenze ngokukhawuleza okanye utyalo-mali ngezikhathi ezithile nge- dollar-cost cost (DCA) , kufuneka wenze isigqibo sakho ngokupheleleyo kwiinjongo zakho zokutshala kunye nokunyamezela ingozi kwaye kungekhona into eyenzekayo kwimarike yemasheya okanye uqoqosho olukhoyo mzuzwana.
Ngokomzekelo, ukuba ixesha lakho lifikelele kwiminyaka engama-20, unako ukutyalomali yonke imali yemali kwiimali zakho ezikhethiweyo ngokukhawuleza. Oku kungenxa yokuba ukubuyela ngokupheleleyo kwixesha elide lexesha aliyi kuguqulwa kakhulu ngokukhawuleza oku kude kwangaphambili. Kwakhona, kukho umngcipheko ophezulu wokunciphisa ukubuyiswa kwakho okuqhelekileyo ngokushiya imali eninzi kwi- akhawunti yemarike yemali , ngokuchasene nokutyalomali ngokukhawuleza.
Abantu abanokufuna i-DCA kwiimali zabo zentlupheko kubandakanya abo banokubekezelelana komngcipheko ophantsi kunye / okanye abo batyali-mali abangabonakali. Ngokomzekelo, umntu oneminyaka engama-60 ogcina imali yokuthatha umhlalaphantsi, usenokuba nexesha elingama-20. Nangona kunjalo, abazi ngokuqinisekileyo ukuba baya kuhlala phi ixesha elide. Ngako oko, lo mntu unokufuna i-DCA isamba sabo sokutshala imali kwixesha elongezelelweyo lexesha, njengelinye ukuya kwiminyaka emibini.
Ngaloo ndlela, ukuba kukho ukuhla kwehla kwamanani empahla, umtyalo-mali unokunciphisa ilahleko kunye nokwandisa ukubuya kwexesha elizayo ngokutyalomali imali ethile, kanye ngenyanga, ngaphezulu kweenyanga okanye iminyaka embalwa.
Ukufingqa, kukho iindlela ezimbalwa ezahlukileyo zokutyalwa kwemvula. Izigqibo eziphambili ziza kuba ziinjongo zakho zokutshala, ukunyamezela, kunye nento ofuna ukuba imali ukukwenza ngayo ngexesha elifutshane kunye nexesha elide.