Iisiseko zoCwangciso loMhlalaphantsi wakho
Ukuthatha umhlala-phantsi ngokuqhelekileyo kubhekwe njengenkathi yobomi xa ukhulula kwaye ujabule emva komsebenzi omdala emsebenzini. Ngomnye lowo mbono uquka ukuchitha ixesha kunye nosapho kunye nabahlobo, ukuhamba, ukuzithandela, okanye usebenze ixesha lexeshana. Lelo phupha lokuthatha umhlalaphantsi.
Ngelishwa, uninzi lwabantu luyeka ukucwangcisa umhlalaphantsi kwaye kunokwenzeka ukufumana ukuzimela kwemali kunzima ukucinga.
Inkoqobo yokuthatha umhlala-phantsi kukuba kuphela i-69 ekhulwini yabasebenzi abavakalelwa kukuba kunye kunye / okanye iqabane labo ligcine imali eyaneleyo yomhlalaphantsi. Ngokwe- Recent Confidence Survey evela kwi-Institute of Benefit Benefit Research Institute kunye noMathew Greenwald kunye nama-Associates, kuphela abasebenzi aba-6 kwabangu-10 kunye / okanye abafazi babo baye basindisa nantoni na ngomhlalaphantsi.
Ukuthatha umhlala-phantsi kunokuba yinkinga enzima kakhulu yobomi kuye nabani na ongakwazi ukulondoloza. Ngaphandle kokwanela kweqanda lokuthatha umhlala-phantsi, unokufumana utsho "ixesha elide" kumhlalaphantsi wakho wephupha kwaye ujonge kumsebenzi owandisiweyo. Okubi nakakhulu, unokuchitha umhlalaphantsi wakho uxhalabele ngemali kwaye ufumana uxinzelelo lwezezimali.
Iindaba ezilungileyo kukukwazi ukuhlala ngokukhululekile ngexesha lokuhlala umhlalaphantsi ngokubanzi kulawulo lwakho. Ngocwangciso oluncinane kunye nesiseko esiqinileyo sokuphucula imali , ukusebenza ngonaphakade akumele kube yinto yakho yokuthatha umhlalaphantsi!
Nazi ezinye izenzo ongayithatha namhlanje ukwenza inkqubo yokufikelela ezi njongo zokuthatha umhlala-phantsi zivakalelwa ngempumelelo:
Beka iinjongo zakho zomhlalaphantsi.
Ukuze uhlele isicwangciso somhlala-phantsi somntu, kubalulekile ukudala intsingiselo yakho ekhethekileyo yintoni umhlalaphantsi uthetha kuwe. Qala ngokuzibuza le mibuzo elandelayo:
- Ubungathanda ukuthatha umhlalaphantsi nini?
- Ukhangele phambili ntoni kuninzi?
- Uneminyaka engakanani okulindele ukuba uhlala kumhlalaphantsi (okt, luphi ixesha lokuphila kwakho)?
- Uyiphi indlela ophila ngayo xa uhlala phantsi?
- Yiyiphi ingeniso yenyanga oya kuyidinga ngexesha lomhlalaphantsi ukuze uhlale ndiphila?
- Ziziphi iimithombo zengeniso ezikhoyo (Ukhuseleko lweNtlalo, ipenshoni, 401 (k), imali yokufumana imali-mali, ukulingana kwasekhaya, njl.) Ukuxhasa imali yakho yomhlalaphantsi?
- Uneminyaka engakanani oshiye ukuyilondoloza?
- Uza kuchitha njani ixesha lakho kumhlalaphantsi?
Xa ubeka iinjongo zakho zokuthatha umhlalaphantsi zama kuzama ukubhala. Njengoko udala isicwangciso sakho esibhaliweyo zama ukugxila kwizinto onokuzilawula ezinjengokungakanani ukonga kunye nalapho utyalomali khona. Isicwangciso somhlala-phantsi esibhaliweyo siya kunceda ukulandelela inkqubela yakho kwixesha. Kodwa oku akufanele kubekho isethi kwaye ukhohlwe inkqubo. Qinisekisa ukujonga isicwangciso sakho kwaye ulungelelanise njengoko kuyimfuneko.
Bonisa ukuba ugcina ngokwaneleyo.
Ngokwe-uphando olutshanje oluvela kwi-Financial Finesse, malunga nesiqingatha sabasebenzi baye bathatha ixesha lokubala ukuba bangakanani imali yokugcina umhlala-phantsi abaya kuyimfuneko xa bethatha umhlalaphantsi. Ungasebenzisa iinjongo zakho zokuthatha umhlala-phantsi njengesikhokelo sokuqinisekisa ukuba uyasindisa ngokwaneleyo. Ukuba ubudala bakho bokuhlala umhlalaphantsi buyiminyaka engaphezu kweyishumi kude, kulungile ukujolisa ipesenti yengeniso yakho yangoku njengenjongo yomhlalaphantsi. Abaninzi bamacwangcisi bemali batusa ukuzama ukufaka indawo engama-80 ekhulwini kwimivuzo yakho yangoku ukuze uhlale ukhululekile xa uhlala phantsi.
Njengoko usondela ngakumbi kumhlala-phantsi, sebenzisa uCwangciso loHlahlo lwabiwo-mali kwi-sheetwork sheet ukuze uqikelele iindleko zakho zomhlalaphantsi .
Ukuchonga ukuba uhamba ngendlela efanelekileyo ukuhlangabezana neenjongo zakho zomhlalaphantsi, sebenzisa i-calculator yomhlalaphantsi. Ukuze uqinisekise ukuba awukho naziphi iinkcukacha ezibalulekileyo kufuneka uqokelele olu lwazi lulandelayo:
- Iingxelo zamva nje kunye / okanye iibhalansi ze-akhawunti zangoku zonke iakhawunti yomhlalaphantsi, kubandakanywa izicwangciso zomhlalaphantsi ezixhaswe ngumqeshi (401 (k), 403 (b), izicwangciso zempesheni, njl) kunye nee-IRA.
- Igalelo elipheleleyo elicwangcisiweyo liyakwenziwa ngamnye ngonyaka kwiakhawunti yakho yomhlalaphantsi.
- Ukulindeleka kwexabiso lokunyuka kwamaxabiso kunye nomyinge wokulinganisa umlinganiselo wonyaka wokubuyisela okuza kusetyenziswa ekubaleni.
- Iminqweno efunayo kwaye eyamkelekileyo yengeniso kwiminyaka yakho yomhlalaphantsi.
- Linganisa iholo lakho elizayo kwi- Social Security (estimative retraitor).
Izixhobo ezahlukeneyo zokubala umhlalaphantsi kunye nezixhobo zokuqikelela ziyafumaneka ukukunceda ukuba uqaphele ukuba isicwangciso sakho sokuthatha umhlalaphantsi sisendleleni efanelekileyo okanye ukuba kukho ukungaphumeleli.
Khawukhumbule ukuba ukuba iziphumo zakho azikho kanye njengoko uzicwangcise ukuba kukho amanyathelo onokuthatha ukuze uphucule umbono wakho. Isibalulekileyo kukuba ubuncinane baluqaphele ukuba uyaphi namhlanje. Kwakhona ingcamango enhle yokuqhuba omnye umlinganiselo wokuthatha umhlala-phantsi ubuncinane kanye ngonyaka.
Khetha uhlobo olulungileyo lwee-akhawunti ukuze ulondoloze umhlalaphantsi wakho (kwaye uncede imali yakho ikhule).
I-asethi "indawo" yinto ebalulekileyo yokucwangcisa umhlalaphantsi. Kukho iintlobo ezahlukeneyo zokugcina umhlala-phantsi ukukunceda ukugcina umhlalaphantsi wakho wephupha. Kucacile ukuba ukugcina umhlala-phantsi kubaluleke kakhulu ukuba uMalume uSam uzimisele ukubonelela ngeenzuzo zerhafu ukugcina kwii-akhawunti zangasese zomhlalaphantsi (njenge-IRAs, 401 (k) , 403 (b) kunye ne- 457 izicwangciso). Nantsi isishwankathelo esifutshane solu hlobo lweeakhawunti zokuthatha umhlalaphantsi ukuba ziqwalaselwe.
Izicwangciso zomhlalaphantsi ezixhaswe ngumqeshi (401k, 403b, 457, njl). Iingcali ezininzi zezezimali zibonisa ukuba isicwangciso sakho somhlala-phantsi seqela lingaba enye yezona zityalo-mali. Kukho izizathu ezifanelekileyo zokuba kutheni oku kufuneka kube yindawo yokuqala ukuqala uhambo lwakho lokugcina umhlalaphantsi.
- Iminikelo yenziwe ngokusesikweni kwangaphambili kwerhafu ukwenzela ukunciphisa ngqo ingeniso yakho engenayo. Kwaye bahluma i-tax-deferred, oku kuthetha ukuba awuyi kuhlawula irhafu kwiintlawulo uze ulungele ukurhoxisa imali.
- Akunakunobulumko ukushiya nayiphi na imali yamahhala ukuze ungaphuthelwa kumnikelo wokulinganisa umqeshi! Ininzi yeenkampani zinikeza iinkqubo ezifanayo ezinokuphucula ukubuya kwimali yakho. Ukuze uzuze kumdlalo womqeshi, qiniseka ukuba uncedisa ubuncinci ukuya kumdlalo wekhampani, kodwa ungazivakalelwa ukuba kufuneka uhambe apho. Umyinge wesilinganiso somqeshi womqeshi ujikeleze iipesenti ezi-3. Nangona kunjalo, ngokubanzi kukucetyiswa ukuba kufuneka uzame ukugcina phakathi kweepesenti ezi-10 ukuya kwe-20 zengeniso yakho kwiinjongo zesikhathi eside njengomhlalaphantsi.
- Izicwangciso ezixhaswe ngumqeshi ziya kuba ziphatheka ngakumbi. Oku kuthetha ukuba banokutshintshwa ngaphandle kwemiphumo yerhafu kwi-IRA okanye kwisicwangciso somhlala-phantsi somqashi ngomsebenzi we-rollover.
- Izinketho zeakhawunti zeRoth ziba zixhaphake ngakumbi kwizicwangciso zomhlalaphantsi ezixhaswe ngumqeshi. Ukuba awuyidingi ukuhlawula imali engenayo engenayo okanye uzibonele ungaphezulu kwesikhokhelo sentlawulo ngexesha lomhlalaphantsi, qwa lasela iRoth.
Khangela ama-Akhawunti ye-Retirement Individual (IRAs). Ukuba umqeshi wakho akanikeli i-401 (k) okanye isicwangciso somhlala-phantsi esifanayo, unokufumana imvume yokuxhaswa kwi-Akhawunti ye-Retirement Individual Retirement (IRA). Ukuba ngaba umqeshi wakho unika isicwangciso somhlala-phantsi, akusiyo kuphela inketho yakho yokutshala imali xa kuziwa kukugcina umhlalaphantsi. Unokuba ufanelekile ukuxhaswa i- IRA yendabuko okanye irhafu yeRRA IRA. IRAs enye enye indlela efanelekileyo yokuncedisa imali kude nekamva. Eminye imingcele yokufumana imali kunye nezinye izithintelo zisebenza ukuze kutyunjwe igalelo okanye ukufaka isandla kwiRoth IRA . Ngoko qiniseka ukuba ukhetha i-IRA engcono kwiimeko zakho kwaye ukhumbule ukuba unako ukufaka isandla kuzo zombini ukuba awuqinisekanga.
Cinga ngeeNgxelo ze-Savings Health (HSAs). Iingxelo zokulondolozwa kwempilo zinika iindleko zerhafu ezintle kwiindleko zonyango lwezempilo. Zingasetyenziselwa njengomthombo wenkxaso-mali yomhlalaphantsi.
Fumana ikhefu lokuthatha umhlala-phantsi kumashishini kunye nabasebenzi abazisebenzayo. Ukuba uqeshwe okanye unomsebenzi omncinci kakhulu kubasebenzi abambalwa, unako ukusekela izicwangciso zomhlala-phantsi oziqeshwe ngabasebenzi abangenza kube lula ukugcina umhlalaphantsi kunye nokunciphisa irhafu yakho endleleni.
Inshshurensi kunye neNtsholongwane. Iintlobo ezahlukeneyo zemveliso yomshuwalense kunye neentengo ezikhoyo zikhona ezi ntsuku zingasetyenziselwa njengenxalenye yesicwangciso serenti yokufumana umhlala-phantsi. Ngokomzekelo, ama-annuities anikezela ukukhula kwentela kunye nenzuzo.
Iingxelo zokutyala imali. Nangona ii-akhawunti ezityalwa ngeentlawulo-mali eziqhelekileyo zihlala kwindawo yokuqala ukuqala ukutyalo-ntlawulo-mali, i-akhawunti ehlawuliswayo inenzuzo. Ukulungelelanisa ukusetyenziswa kwemali ngezizathu ezahlukeneyo yinto enye. Omnye ubuchule bokusebenzisa ukulahleka kweerhafu nokuvuna amanqanaba aphezulu xa kuthengwa utyalo-mali olufanelekileyo. Unokujonga kwakhona iibhanki zikamasipala ngeniso engenayo irhafu.
Hlola indlela imali yakho ityala ngayo.
Awuyi kufikelela kude kunye nesicwangciso sakho sokulondoloza xa ubeka imali yakho kwi-akhawunti yokulondoloza, imali yengxowa yemali okanye enye indawo "ephephile" kunokuba ungayifaka imali yakho emhlabathini okanye ufihle imali yakho phantsi kwebala . Enyanisweni, ezi zikhethiweyo ezinokuthi zikhuselekileyo ziphantsi komngcipheko omkhulu obizwa ngokuba yi-inflation eyokubeka amandla amakhulu ekuthengeni kwamadola ngaphezu kwexesha. Ngamanye amagama, emva kwentela ehlawulwa kwiimali zakho zokufumana imali, uya kuba nokuthenga okuncinci ngemali yakho xa uthatha umhlalaphantsi kunokuba unakho namhlanje.
Indlela okhetha ngayo ukwabiwa kweempahla zakho kwiintlobo ezahlukeneyo zotyalo-mali unokuchaphazela kakhulu amandla akho okufikelela kwiinjongo zakho zomhlalaphantsi. Kufuneka wenze okunye ukuvavanya ukufumanisa ukuba ukwabiwa kweempahla kukusebenza kakuhle kwiimeko zakho. Umzekelo, unokuqala ngokuvavanya ukunyamezela kwakho umtyalo-mali. Unokuqhathanisa nokwabiwa kweefa zakho zangoku kunye neendlela zokwabiwa kweempahla ezihambelana nokunyamezela kwakho kunye nexesha lokufikelela. Emva koko, uya kufuna ukugqiba ukuba ukhetha "izandla" okanye ngaphezulu "indlela yokucima" indlela yokutyalomali. Abanini-mali bemali abahlala kumhlala-phantsi banokukhetha ukukhulula kunye nokulungelelaniswa kweemali zokuthatha umhlala-phantsi umhla okanye iipotifoliyo ze-asethi zangaphambili. Esinye isisombululo esibalulekileyo kukuthi ngaba ukhetha uhlobo olusebenzayo nolwahlukileyo lolawulo.
Yenza kube lula ngokudala isicwangciso ongayilandela kalula.
Ukulondoloza umhlala-phantsi akusona isiganeko esisodwa, yinkqubo yokuphila yonke yokudala imikhwa emihle. Ukwenza okungakumbi ukwenza lula ukucwangcisa isicwangciso sakho somhlala-phantsi kuya kuba lula ukuhlala kwikota elungileyo.