Ukususela ngowe-1928, i-S & P 500 - ukubonakaliswa kwemarike yemasheya yase-US - abatyali-mali abavuza umvuzo nge-9,53 ekhulwini ngonyaka. Kwaye ukususela ngo-1967, abatyali-mali bathabathe i-10.09 yeepesenti ngonyaka.
Kodwa nje ukuba le nto yenza ukuba ube nomdla ngenkuthalo, ukubuyiswa kwe-S & P 500 kuphela ngama-6.88 ekhulwini phakathi kuka-2007-2016.
Iingcali ziya kukuxelela ukuba ubuhle bemali-mveliso yokutyalo-mali bukhokelwa liqhinga elilula: umlingo wokuhlanganiswa. Ixabiso lotyalo-mali lokuqala lukhula ngokukhawuleza ngokuhamba kwesikhathi. Ngendlela elula, ukuhlanganiswa ngumjikelezo wokuveliswa kweembuyekezo ezongezelelweyo kwimali owawube utyalombile ngaphambili.
Ukufumana ingcamango ecacileyo, makhe sijonge indlela ezi iipesenti zebuyisela ze-S & P 500 zisebenza ngayo idola langempela. Khawucinge ukuba utyalomali u-$ 100 kwi-S & P 500 ngo-1928. Nakhu okuya kufaneleka ngexesha lexesha elizayo:
1928 | $ 148.81 |
1938 | $ 121.53 |
1948 | $ 229.79 |
1958 | $ 1435.84 |
1968 | $ 3694.23 |
1978 | $ 5081.77 |
1988 | $ 22,672.40 |
1998 | $ 129,592.25 |
2008 | $ 113, 030.22 |
2012 | $ 193,388.43 |
2016 | $ 328,584.46 |
Qaphela ukuba ekupheleni kwe-1928, i-$ 100 yakho yayiza kuxabisa kwi-143.81. Sekunjalo, kwiminyaka eyi-10 kamva, ngowe-1938, ixabiso liye lafika kwi-121.53.
Ekugqibeleni, ngowama-2016, i-$ 100 yakho yokuqala yayiya kukhula ibe ngaphezu kwama-328,000.
Nangona iindleko zokutshala imali utshintshiselwe ngonyaka, ngeminyaka ngamnye, ubuya buyahluka. Ukususela ekupheleni kwekhulu leminyaka yokubuya ngonyaka unyaka-2008 unama-36.55 ekhulwini, ukuhla kwehla. Ngoxa i-2013 yabona i-32.15 yeepesenti yokwanda kwindleko.
Ngethuba leminyaka eli-16 ngaphambili, bekukho iminyaka emine yokubuya engalunganga kunye neminyaka eyi-13 yokubuya e-S & P 500:
Unyaka | S & P 500 | I-T.Bill yeenyanga ezintathu | I-T. Bond yeminyaka eyi-10 |
2000 | -9.03 Ipesenti | 5.76 Ipesenti | 16.66 Ipesenti |
2001 | -11.85 Ipesenti | 3.67 Ipesenti | 5.57 Ipesenti |
2002 | -21.97 Ipesenti | 1.66 Ipesenti | 15.12 Ipesenti |
2003 | 28.36 Ipesenti | 1.03 Ipesenti | 0.38 Ipesenti |
2004 | 10.74 Ipesenti | 1.23 Ipesenti | 4.49 Ipesenti |
2005 | 4.83 Ipesenti | 3.01 Ipesenti | 2.87 Ipesenti |
2006 | 15.61 Ipesenti | 4.68 Ipesenti | 1.96 Ipesenti |
2007 | 5.48 Ipesenti | 4.64 Ipesenti | 10.21 Ipesenti |
2008 | -36.55 Ipesenti | 1.59 Ipesenti | 20.10 Ipesenti |
2009 | 25.94 Ipesenti | 0.14 Ipesenti | -11.12 Ipesenti |
2010 | 14.82 Ipesenti | 0.13 Ipesenti | 8.46 Ipesenti |
2011 | 2.10 Ipesenti | 0.03 Ipesenti | 16.04 Ipesenti |
2012 | 15.89 Ipesenti | 0.05 Ipesenti | 2.97 Ipesenti |
2013 | 32.15 Ipesenti | 0.07 Ipesenti | -9.10 Ipesenti |
2014 | 13.52 Ipesenti | 0.05 Ipesenti | 10.75 Ipesenti |
2015 | 1.38 Ipesenti | 0.21 Ipesenti | 1.28 pesenti |
2016 | 11.74 Ipesenti | 0.51 Ipesenti | 0.69 Ipesenti |
Ukuba ezi mithetho zembali zihlala zinyani, ukutshala imali kwimarike yemasheya kwixesha elide kuya kunika umvuzo omkhulu wemali.
Kude Kangakanani Ude Ube Millionaire
Ngokusekelwe kwimbuyekezo evela kwiminyaka edlulileyo, makhe sibone ukuba kuya kuthatha ixesha elingakanani ukufikelela kwiidola ezigidi zemali ukuba utyalomle i-$ 5,000, i-$ 10,000 okanye i-20,000 kwi-S & P 500 yengxowa-mali. Inxalenye ekhohlakeleyo yokubala kubakhetha izinga lokubuyela kwexesha elizayo.
Ukuqhubela phambili, siza kusebenzisa i-8.5 yeepesenti yexesha elide elibuyisiweyo. Ngokomlinganiselo we-10.09 weepesenti ubuya ngo-1967-2016 kunye nokubuya kwe-2007-2016 engaphantsi kwe-6.88 pesenti sagqiba isigqibo esichengileyo sokusasaza kwe-8.5 ekhulwini kwikamva elizayo. Ukongezelela, njengoko ukukhula kwe-industrial base-US kunye nokukhula kwe-GDP kuncipha, kunengqiqo ukulindela i-market market.
| Mali yoNyaka | Iminyaka ukuya kwi-1 Million |
| $ 5,000 | 35 |
| $ 10,000 | 27.59 |
| $ 20,000 | 20.32 |
| * I-8.5 yepesenti ibandakanya izinga lokubuyiswa kwonyaka |
Ukuba uqala ukutshala imali kwimarike yemasheya kwiminyaka engama-30, kufuneka ube negalelo elingama-5,000 e-year ngonyaka ukuze uhlasele i-dollar-dollar mark ngeminyaka yobudala engama-65. Ngokomlinganiselo, ukuba ulinde uneminyaka engama-45 ubudala, ufikelele kwi-$ 1 yezigidi ngeminyaka 65, uza kuhlawula i $ 20,000 ngonyaka. Ukwahlukana kwe-$ 1,667 ngenyanga yonyaka oneminyaka engama-45 ubudala kunye no-416 weenyanga ngenyanga ye-30 ubudala.
Ukuba ngaba yi-millonaire yinjongo yakho, ke ukutshala imali kwimarike yemasheya kunokuba ngumendo ozuzayo. Kodwa njengoko iinombolo zibonisa, ukutyalomali kwiimarike akusikho isicwangciso sokukhawuleza. Iingcali zocwangciso zezezimali ziyakunikhumbuza ukuba izitokisi zendlela yokuhlala kwisakhiwo eside.
Ekugqibeleni, ngaphambi kokuba ungene kwiimarike zezemali, qinisekisa ukuba ugcine imali yongxamiseko, ngoko unyanzelekile ukuba uhoxise imali kwiimarike ngexesha lokuhla.
UBarbara A. Friedberg ungumphathi wepotfoliyo kunye nomcebisi-mali weyunivesithi. Ukubhala kwakhe kubonakala kwiiwebhusayithi ezahlukeneyo kuquka uRobo-Advisor Pros.com kunye noBarbara Friedberg Personal Finance .