Landela ezi ngcebiso zezemali ukwenza izigqibo zemali ezihlakaniphile
Nangona awukho kwiminyaka yakho engamashumi amabini, ukuba usanda kuqalisa kwisicwangciso sezemali , isiluleko esinikwe apha sisasebenza kuwe.
Awuyi kuba nethuba lokuncedisa ixesha lawo kwimashumi amabini anesibini, kodwa akukaze kufike ixesha lokuqalisa .
Kutheni kubalulekile ukuqalisa kwiminyaka yakho engamashumi amabini
Akukho xesha elinamashumi amabini ukuqala ukubeka imali yakho ukuba isebenzele wena ukuze ukwazi ukufezekisa iinjongo zakho zemali ebomini bakho. Ukuphuhlisa imali efanelekileyo kunye nemigangatho yokulondoloza , nokufunda ukuhlahlo-mali kunye notyalo-mali ngexesha lemashumi amabini, kunokukunceda ukukhusela ityala elingenasiphelo, ubeke imali kwizinto ezibalulekileyo kuwe, kwaye usebenzise inzuzo yokuqulunqa ukuqokelela i-fortune yakho elizayo.
Enyanisweni, ukuhlanganiswa kwemivuzo kunamandla kangangokuba abo baqala ukugcina umhlala-phantsi kwiminyaka yabo engama-20 banokuhlanganisa amaqanda amakhulu amakhulu amaqanda ngamanqanaba amancinci, nje kuphela xa betyala imali rhoqo.
Ngokomzekelo wamandla okuqulunqa, thabatha umntu oneminyaka engama-25 onotyala i-$ 2,000 ngonyaka iminyaka eyisibhozo kwaye akaze athengise idola eyongezelelweyo emva kweminyaka engama-33.
Uya kuzuza ngaphezulu xa eneminyaka engama-65 kuneminyaka engama-35 ubudala ogcina imali engama-$ 2000 ngonyaka iminyaka engama-32, nangona u-35 ubudala oneminyaka engama-35 uthembisa izikhathi ezine.
Ukuchonga iinjongo zakho ezimfutshane, eziphakathi kunye nexesha elide
Isinyathelo sokuqala sokucwangcisa imali kukuchonga iinjongo zakho. Iinjongo zakho zexeshana (iminyaka emihlanu okanye ngaphantsi) zingabandakanya umtshato, i-honeymoon, ifenitshala, imoto entsha.
Emva koko, kufuneka ucinge ngeenjongo eziphakathi kwexesha elide, ezifana nokuba nekhaya lakho kunye nokuxhaswa ngemfundo yeekholeji zezingane zakho. Ekugqibeleni, dwelisa iinjongo zakho zexesha elide, ezifana nokuthatha umhlalaphantsi kunye nokuhamba.
Linganisa indlela oza kuyidinga ngayo ukuhlangabezana neemfuno zakho. Kukho iintlobo ze-calculators zokugcina i-intanethi ongazisebenzisayo ukubonisa ukuba uninzi kangakanani olufunekayo ukugcina inyanga nganye ukufikelela kuloo njongo ngexesha lakho.
Uhlahlo lwabiwo-mali ukuhlangabezana neenjongo zakho
Xa uhlahlo lwabiwo-mali, beka bucala imali ukuya kwixesha elifutshane elifutshane, eliphakathi nexesha elide. Zama ukungabingeleli enye. Ukufumana ulwazi oluninzi malunga nohlahlo lwabiwo-mali, jonga "uhlahlo lwabiwo-101" .
Ukutyalomali Ukuhlangabezana Neenjongo Zakho
Kungaba bubulumko ukutyalo kwiiSatifikethi seDistim okanye iMali yeeMali zeeMali kwiinjongo zakho zexesha elifutshane, kunye neemarike zentengiso kwiinjongo zakho eziphakathi kunye nexesha elide . Ngokomlando, i-market yemakethe isenzile naluphi na uhlobo lotyalo-mali ngokuhamba kwexesha, kodwa kungekhona yintliziyo engapheliyo. Ukutshatyalaliswa kwayo kwenza kubekho utsalo-mali olungaphantsi kwexesha elifutshane ngaphandle kokuba unengxaki enkulu yokunyamezela .
Fumana ukuba umqeshi une-401 (k) isicwangciso okanye esinye isicwangciso somhlala-phantsi esikhankanywe irhafu, kwaye ukuba kunjalo, uyisebenzise. Iminikelo yakho iya kwenziwa kunye neerhafu zangaphambili zerhafu kunye neerhafu kwiimali eziza kuhlawulwa kuze kube yilapho uzihoxisa ngexesha lomhlalaphantsi.
Kungcono, abaqeshi abaninzi baya kufana nonke okanye inxalenye yegalelo lakho, okukhokelela ekuzuzeni okukhulu.
Ngobutyebi beenkcukacha ezikhoyo kwi-intanethi, akuzange kube lula ukufunda indlela yokuba ngumtyalomali ohlakaniphile . Amasheya kunye neengxowa-mali ezidibeneyo zingaphandwa ngokuchofoza ezimbalwa kwiisayithi ezifana ne-Morningstar.