Yaye njani ixesha lokuhlala umhlalaphantsi lichaphazela ukhetho lwam lokutshala imali?
Utyalo-mali lwama-Portfolio akusiyo kuphela isizathu sokubamba utyalo-mali olukhuselekileyo. Udinga ingxowa-mali yexakeka. Gcina imali eyaneleyo kumanzi, utyalo-mali olukhuselekileyo ukumboza, ubuncinci, iinyanga ezi-3 ukuya kwezi-6 ezifanelekileyo zokuphila.
Oku kuthetha ukuba ufuna i-$ 2,000 ngenyanga ukuhlala ngokukhululekile, kufuneka ube ne-$ 6,000-$ 12,000 kwiimali-mali ezikhuselekileyo, kufumaneka lula njengeakhawunti yokulondoloza ibhanki okanye imali yemarike yemali.
Gcina le mi 2 imithetho yesigwenga engqondweni:
- Ingqesho yakho engakhuselekanga kangako, imali eninzi ofuna ukuyifumana kwi-investments ephephile.
- Ukusondela kwakho kukuthatha umhlalaphantsi, imali eninzi ofuna ukuyifumana kwi-investments ephephile.
Kulabo bade kude neRhafu
Imali kwi- IRAs kunye nezinye i-akhawunti yomhlala phantsi, kunengqiqo ukutyalo-mali ukukhula, kwaye ungakhathazeki malunga nokunyuka kweemarike. Ukuba uneminyaka engama-15 okanye ngaphezulu ude uyisebenzise imali, ngubani onyamekelayo oko kuthethwa ngeemarike kule iveki, kule nyanga okanye kulo nyaka? Gxininisa ekufumaneni ukubuyiswa kwexesha elide.
Kwabo Bahlala KwiMinyaka Embalwa Ezayo
Unemivuzo engama-3 ukuya kwe-10 ekuhoxisweni kwezoqoqosho ngokukhuselekileyo, njengemali yemarike yemali, izatifikethi zediphozithi, iibhondi ze-arhente, iziqinisekiso zobuncwane , kunye neengxelo zonyaka.
Enye indlela yokwenza oku kukudala ukhonkco okanye i-CD ephakamileyo , apho unyaka ngamnye ukhuseleko olukhuselekileyo lokutshala imali, kwaye inqununu iyafumaneka kuwe. Ngokufanelekileyo uqala le nkqubo malunga neminyaka eyi-10 ukususela kumhla wokuthatha umhlalaphantsi oyifunayo.
Le mali ekhuselekileyo yimali oyisebenzisayo ukufumana iindleko zokuhlala ngexesha leminyaka yokuqala yokuthatha umhlalaphantsi.
Esi sicwangciso sokuthatha ingcipheko encinane ngale nxalenye kwipotfoliyo yakho ikuvumela ukuba ushiye intsalela yotyalo-mali lwakho utyalomali ngokukhula, okunokwenzeka ukubonelela ukhuselo oluthe ngqo kumlinganiselo wokunyuka kwamaxabiso. Xa utyalo-mali lwakho lokukhula lunomnyaka onobuhle, uthatha inzuzo kwaye usebenzise inzuzo ukuzalisa utyalo-mali olukhuselekileyo osetyenziselwe ukuxhasa iindleko zakho zokuhlala.
Ixesha Elifanelekileyo lokutshintshwa kwezoTyalo-mali?
Kufuneka utshintshe kwiityala ezikhuselekileyo kwiplani ehleliweyo ukwenzela ukuba ngexesha lokufikelela kumhlalaphantsi unemali eyaneleyo kwimali-mali ekhuselekileyo ukuhlangabezana neemfuno zakho zemali kwiminyaka emininzi.
Iingqwalasela ezikhethekileyo ziza kudlala kwiminyaka eyi-10 phambi kobudala obunqwenela umhlalaphantsi. Kulo festile le-10 leminyaka, rhoqo xa utyalo-mali bakho obunobungozi benomnyaka kunye nokubuyisela okuphezulu, kufuneka uthathe inzuzo kwaye ukwandise inani lemali owabelwe utyalo-mali olukhuselekileyo. Ngelishwa, abatshali-mali abaninzi abazenzi oku . Esikhundleni salowo bathenga imali-mali emva kokunyuka kwexabiso kwaye bathengise ngentshutshiso emva kokuhla kwexabiso.
Musa Ukuba Unobungozi
Utyalo-mali olukhuselekileyo lubaluleke kakhulu kwiindawo ezahlukeneyo zepotfoliyo kunye nokugcina ukhuseleko lwezezimali ukuba iziganeko ezingenakwenziwa ziza kwenzeka kodwa ukuba iphothifoliyo yakho ikhuselekile kakhulu, unokufumana ungavelisi imali engenayo ukuze ufinyelele iinjongo zakho zemali.
Cinga ukuthetha nomcwangcisi wezezimali ukuqinisekisa ukuba utyalo-mali lukhuselekile ngokwaneleyo ukukhusela kodwa alukhuselekile ukuba lube lukhulu kakhulu.