Umbono woMlando kwiNgxelo yokuTyalwa koTyalo-mali.
Ingcamango yokugcina imali yomhlalaphantsi kukuqokelela imali eninzi ngokunokwenzeka kunye nenani elingenamngcipheko. Ngoko ke ingeniso engakanani imali onokuyilindela ukuyifumana xa unamathela kwiindawo zokutshala imali ekhuselekileyo?
Akukho mpendulo elula kuloo nto kuba kuxhomekeke kunyaka. Kukho intlawulo ekufuneka ihlawulwe ngokukhuselekileyo kwinqanaba lentlawulo ephantsi. Ukuba ufuna ukuqinisekisa isiqununu sakho kwaye ufuna ukubuyiswa okuqinisekileyo, kufuneka ulindele ukuba ubuya bakho bube buphantsi.
Ukuba i-CD yenyanga engama-3 ikhokhela i -07 yeepesenti ngokubuya ngokuqhelekileyo, oko kuthetha ukuba uza kufumana i-$ 70 ngonyaka ngonyaka we-$ 100,000 ozifaka yona.
Kuthiwani ngokuvala imali yakho ixesha elide? Unako ukufumana i-3.5 yepesenti yezinga eliqinisekisiwe kwiminyaka eyi-10 echanekileyo, kodwa uya kubhekana neentlawulo ezininzi xa uzityhila ngaphambi kokuba iminyaka eyi-10 iphelile.
Izabelo eziKhuselekileyo zoTyalo-mali
Utyalo-mali olukhuselekileyo njengesatifikethi sokupaka i-17.2 ekhulwini ngo-1981. Ubungayifumana i-$ 17,200 ngemali engenayo kwimali eyi-100,000 eyi-100,000. Kodwa loo mveliso yavelisa ipesenti ezingama-2,18 ngo-2003, okanye i-$ 2,180 yemali engenayo ngonyaka ngenzuzo yonke imali eyi-100,000 eyabelwe imali.
Ukuba uhlala umhlala-phantsi ngo-2003 kwaye ubeke imali kuphela kwi-akhawunti ekhuselekileyo, inzala, unokufumanisa kunzima ukugcina umgangatho wakho wokuhlala emva komhlalaphantsi. Ixabiso lemali liye labangela ukuba amaxabiso akhuphuke ngelixa uhlawulelo lwakho lwentengo mali luya kuhlahloka.
Unokuqhathanisa imbuyekezo kwi-investments ekhuselekileyo kwiimbuyekezo zembali kwiimpahla ezigciniweyo ngokujonga indlela i-index ye-S & P 500 eyenziwe ngayo kwiminyaka. Imbuyekezo iphakamileyo kunye namasheya, kodwa kuphela xa uhlala utyalo-mali kuyo yonke indawo.
Indlela yokucwangcisa umhlala-phantsi kunye neRhafu yeNzala ephantsi
Khangela iindlela zokudibanisa iintlobo ezahlukahlukeneyo zokutyalwa kwemali yomhlala-phantsi , zombini ezikhuselekileyo kunye nabasemngciphekweni, ngendlela ekwazi ukuhambisa ukuhamba kwemali oyifunayo ukuba ucwangcisa umhlala-phantsi ngexesha lexabiso lentengo ephantsi.
Uninzi lwabathathe umhlala-phantsi luya kuba nokucwangcisa ukusetyenziswa kweminye yabo inqununu kwiminyaka yabo yomhlalaphantsi.
Qala ngokwenza isicwangciso-mali sokuthatha umhlalaphantsi- ixesha elibonisa ukuba unayo kunye noko uza kuyifuna kwiminyaka ezayo. Unokwazi ukubona ukuba ukugcina kwakho kwanele ukwenzela ukufihla isikhala emva kokuba oku kukhankanywe, nangona kubonisa ukubuya okuphantsi.
Ukhuseleko lwezoTyalo-mali *
| Iimbali ze-3 zeeMbali zokubuyisela iCD | ||
| Unyaka | Buyela | Ingeniso yonyaka Ngama-$ 100k |
| 2000 | 5.23% | $ 5,230 |
| 2001 | 6.09% | $ 6,090 |
| 2002 | 5.10% | $ 5,100 |
| 2003 | 2.18% | $ 2,180 |
| 2004 | 1.35% | $ 1,350 |
| 2005 | 1.27% | $ 1,270 |
| 2006 | 2.75% | $ 2,750 |
| 2007 | 4.63% | $ 4,630 |
| 2008 | 5.30% | $ 5,300 |
| 2009 | 3.85% | 3,850 |
| 2010 | 1.52% | 1,520 |
| 2011 | 31% | $ 310 |
| 2012 | 30% | $ 300 |
| 2013 | .32% | $ 320 |
| 2014 | .15% | $ 150 |
| 2015 | .07% | $ 70 |
Le meko yaphuculwa kancinci ngo-2016 ngesilinganiso semali yokubuyiswa kwayo .16 iipesenti ngaphezu kweenyanga ezintandathu, kodwa le nto yayingaphantsi kweyona nto yayingaphantsi kweminyaka phambi ko-2010. Le nqanaba yayikufumana imali engama-R1 000 ngonyaka kwi-investor eyi-100 000 .
* Idatha evela kwiSatifikethi seNkcitho yeDispositi (i-CODI) ephakathi kweenyanga ezili-12 ezipapashwe kwiSizwe seSatifikethi seNyanga seDistim kwi-3.
QAPHELA: Njalo qhagamshelana neengcali kwiingcebiso kunye neepesenti. Eli nqaku alikho iingcebiso zotyalo-mali kwaye alujoliswanga njengengcebiso-mali.