I-Smart Way yokunika iMali yoMhlala-phantsi
Icandelo lexesha liyiqhinga ongasisebenzisa ukutyalo umhlalaphantsi. Iquka inkqubo yokuqhathanisa utyalo-mali kunye nexesha ngexesha uya kufuneka uhoxise ukuhlangabezana neemfuno zakho zokufumana umhlalaphantsi. Makhe sibone umzekelo.
Masicinge ukuba uHarry no-Sally baneminyaka engama-60 ubudala. Baceba ukuthatha umhlala-phantsi kuma-65. Bafuna ukwazi ukuba yabo yokuqala iminyaka elishumi yokufumana umhlalaphantsi ikhuselekile. Ukuba basebenzisa indlela yokwahlula ixesha, banokuthenga ii-CDs, iibhondi okanye i-annuities (okanye ukudibanisa kwezi zinto) kwiimali ezilungiselelwe ukukhula kwaye zifumaneke kunyaka abaza kuzifuna.
Umzekelo weNqanaba leNkcazo yexesha
Masithi uHarry noSally bayazi ukusuka kuma-65 ukuya ku-70 baya kufuna ukuhoxisa i-$ 50,000 ngonyaka ukuze bahlawule iindleko zabo zokuphila. Bafumana uluhlu lweCD kunye neebhondi ezifumana u-2% ukuya kwi-4% ukukhula kwiminyaka abayidinga imali. Oku kubhekiswa njengebhanki emanqanaba okanye isicwangciso seCD . Kuya kusebenza ngale ndlela:
- I-CD 1 ihlawula i-2% - ikhula ku-65 ubudala kaHarold
- I-CD 2 ihlawula i-2.5%-ikhula ngexesha lika-Harold oneminyaka engama-66
- Ibond 1 ihlawula i-3% - ikhula ku-67 ubudala kaHarold
- I-Bond 2 ihlawula i-3.5%-ikhula kwi-68 yobudala bukaHarold
- I-Bond 3 ihlawula i-3.75% - ikhula eHarold iminyaka eyi-69
- I-annuity year year fixed fixed pay 4% - ikhula ku-Harold iminyaka engama-70
- I-Bond 4 ihlawula i-4%-ikhula ngexesha lika-Harold iminyaka yobudala engama-71
- Ibond 5 ehlawula i-4.1% - ikhula ku-72 ubudala kaHarold
- Ibhondi 6 ihlawula i-4.15% - ikhula ku-75 ubudala kaHarold
- I-Bond 7 ihlawula i-4.2% - ikhula ku-75 ubudala kaHarold
Ukusebenzisa ishedyuli ngasentla, kwiingongoma zengqungquthela engezantsi ndibonise utyalo-mali olufunekayo olufunekayo eHarold oneminyaka engama-60, ukuba utyalo-mali (kubandakanywa nomdla oza kuwufumana) ukuhambisa ii-50,000 ezifunekayo.
- I-CD 1 ikhokhe i-2% - i-$ 45,286
- I-CD 2 ihlawula i-2.5%-$ 43,114
- Ibhondi 1 ihlawula i-3% - i-$ 40,654
- I-Bond 2 ihlawula i-3.5%-i-37,970
- Ibhondi 3 ehlawula i-3.75% - i-$ 35,898
- I-annuity year year fixed fixed pay 4% - $ 34,601
- Ibond 4 ihlawula i-4% - i $ 32,479
- Isibond 5 sihlawula i-4.1% - i-30,871 i-$
- Ibhondi 6 ihlawula i-4.15% - i-$ 29,471
- I-Bond 7 ihlawula i-4.2% - i-28,107
Iyonke efunekayo: $ 358,451
Masicinge ukuba uHarry no-Sally babe ne-IRA, i-401 (k) kunye nezinye i-akhawunti yokulondoloza kunye ne-investment. Emva kokusebenzisa ezinye zokulondolozwa kwabo ukugubungela ixesha elikwinqanaba elingaphezulu (elihambelana neminyaka yokuqala elishumi yomhlalaphantsi wabo) obashiya nge $ 241,549 ekhohlo. Esi sabelo se-savings yabo kunye notyalo-mali asiyi kuyimfuneko iminyaka eyi-15. Ukuba batyala imali yonke kwii-equities (mhlawumbi ngokwefom ye- index index ), ngokuthatha i-8% yentlawulo yokubuya, iya kukhula ibe ngu-766,234. Ndibiza le ngxenye yokukhula yephothifoliyo yabo. Kwiminyaka apho isahlulo sokukhula sikwenza kakuhle, babeza kuthengisa amanye amanani abo kwaye banwebe ixesha labo. Ngokwenza ngokuqhubekayo banokuhlala bekhangele phambili kwiminyaka esixhenxe ukuya kweyishumi bazi ukuba banomali okhuselekileyo utyalomali ukuhlangabezana neendleko zabo. Banobunzima bokuthengisa ukukhula kwiminyaka emihle kwaye banike ithuba lokuba babuyiselwe xa unyaka obi.
Amanqaku Ngama-Calculate
Kule zibalo, ndicinga ukuba yonke inzala ingabuyiselwa kwisantya esichaziweyo, eqinisweni ayinakwenzeka.
Kwakhona, andiyikuphendula ngokunyuka kwamaxabiso. Enyanisweni, uHarry no-Sally babeya kufuna ngaphezulu kwama-50,000 kwiiminyaka emihlanu ukuthenga inani elifanayo lempahla kunye neenkonzo eziza kuthenga i-$ 50,000 namhlanje.
Ndingafaka i-$ 50,000 efunekayo ngonyaka ngamnye ngo-3% ngenani leminyaka de ifunekayo, kwaye emva koko ibuyisele kuye ngokubuyisela kwi-investment. Uya kufuneka wenze izibalo ngokusekelwe kwiimfuno zakho kunye nezicamango malunga nokunyuka kwamaxabiso.
Ukuba uHarry no-Sally belibazise ukuqala koKhuselo lwaBantu bezeNtlalo ukuya kwi-70, iimfuno ezingenayo kwimali-mali yazo zingabi yi $ 50,000 ngonyaka. Basenokudinga ixesha elide ngaphambili, kwaye emva koko emva kokuba isixa esiphezulu seNtlalo yoKhuseleko iqala. Bangasebenzisa isicwangciso semali yokuthatha umhlalaphantsi kwisicwangciso samanqaku okutshintshela oku kwaye bahlalutye imali yabo kwiimfuno zabo.
Iinzuzo zeNxalenye yexesha
Xa usebenzisa ixesha elilodwa lendlela, akudingeki ukhathazeke malunga nento eyenziwa yimarike yamasheya namhlanje, okanye nokuba yintoni okwenzayo kulo nyaka.
Inxalenye yokukhula kwipotfoliyo yakho yokutshala imali ayiyi kuyimfuneko iminyaka elishumi elinesihlanu.
Icandelo lexesha lihluke kakhulu kunendlela yemveli yokwabiwa kweefa kunye nokurhoxiswa kweenkqubo. Indlela yokwabiwa kwempahla yemveli ichaza ukuba yeyiphi ipesenti yemali yakho kufuneka ibe nekheshi, iibhondi, kunye neemasheya ngokubhekiselele kwimivuzo engakanani yonyaka ozimisele ukuyenza. Emva koko umisa into ebizwa ngokuba yisicwangciso sokurhoxisa ngokuchanekileyo ukuthengisa ubuninzi beklasi nganye ye-asethi (okanye inyanga nganye) ukuhlangabezana neemfuno zakho zokufumana umhlalaphantsi. Ngethuba lonyaka lendlela yokungahambisani nokungahambisani neenjongo zakho.
Funda ngakumbi malunga neNkcazo yexesha
Kwinqaku lam I-Reliable Retirement Beneficiary Worth Minutes 10 Ixesha Lakho Ndibonelela ngomnye umzekelo wexesha kunye nekhonkco kwividiyo emfutshane eyenza umsebenzi omkhulu wokuchaza le ngcamango.
Ingcamango efana neyokwakheka kwexesha yinto yokusebenzisa iibhakethi zemali ezahlukileyo ezixutyushwa kwiBhakethi yeMali . Ingqiqo Ndiyavumelana nemibono encwadini, kodwa andizange ndivumelane ngokutyalomali abacebisa ukuba uyisebenzise ukuzalisa ibhakethi nganye.