Sonke siyazi ukuba ukugcina umhlala-phantsi kubalulekile.
Kwakhona into enzima ukuyenza, ingakumbi abantwana abanayo kunye neembopheleleko ezininzi.
Ekubeni uyazi ukuba kunzima kangakanani ukuba ufanele ucinge ukunika umntwana umlenze uphelele emsebenzini.
Njani? NgeRoth IRA kumntwana wakho.
Ewe, umntwana wakho unokufumana iRoth, kwaye ngokukhawuleza uqala ukugcina kulula ukufumana umhlalaphantsi.
Yintoni iRoth
I-Roth luhlobo lokugcina imali yomhlala-phantsi. Ubeka imali emva kwentela kwaye ke imali iyakhula kwaye ihoxiswe ngaphandle kweempembelelo zerhafu ezizayo.
Ngamanye amagama, hlawula irhafu kwinto engena kuyo kwaye akukho ntlawulo kuleyo ndawo!
Ukususela ngo-2015, unako ukufaka isandla kwi $ 5,500 okanye inqanaba lakho lokufumana imali (naluphi na phezulu) ukuba uneminyaka engaphantsi kwama-50.
Kutheni oku kulungile kubantwana
Oku kulungile kubantwana kuba banexesha kwicala labo. Akunalo nje ixesha elide lokuxakisha ukukhaba, bafumana inzuzo yokukhula okungekho kuhlawulwa.
Ukukunika ingcamango ukuba ngaba i-akhawunti yengane yakho yodwa ngexesha elilodwa - ngexesha elilodwa - loo mali eyi-5 500 efunyelwe imali kwiminyaka engama-45 efumana iipesenti ezisibhozo ngonyaka iya kuba ngama-175,000 kuphela. Ngoko uneminyaka eyi-16 ubudala namhlanje eneminyaka engamashumi mathandathu-enye iya kuba neerandi ezingama-175,000. Khawucinge nje ukuba le nto ingaba yintoni xa umntwana wakho ekhupha kabini, okanye kathathu okanye amaxesha amane?
Iintlungu kwi-Kids IRA
Kukho izibambano kufuneka uqale unqobe ukuze wenze umntwana wakho afaneleke kwiRoth.
Okokuqala, kufuneka ukuba bafumane imali. Akukho sipho semali, kungekhona imali engenayo imali, kodwa ingeniso eyimali engenayo kunye nentlawulo yerhafu efakwe.
Nangona oku kubonakala ngathi kuphelisa zonke iintsapho ezingaphantsi kweminyaka yobudala, zikho iindlela abantwana abanokufumana imali ngaphandle kokuba neshumi elinesithandathu.
- IShishini Lentsapho - ukuba wena okanye ilungu lentsapho liphethe ishishini banokusebenza ngoshishino. Le nto inokuba yinto efana nokufakela okanye ingaba imodeli nayiphi na intengiso eyenziwa yinkampani, ngoko ke umntwana wakho onokumnandi angavula iRoth!
- Ukumodela / Ukusebenza - nangona intsapho yakho ingenaye ishishini, abantwana abaninzi bafumana imali njengemizekelo okanye abadlali. Musa nje ukuwela kwi-scam yokuthenga rhoqo imifanekiso kunye neeklasi! Qinisekisa ukuba wenza imali kuyo.
- Qala ishishini labo - abantwana bangakwazi ukuqala ishishini labo kwaye basebenzise njengengeniso yokuvula i-IRA. Enyanisweni, kufuneka bafake irhafu yentlawulo kunye ne-$ 400 kwimali evela kwi-shishini, ngoko banokuqalisa ukugcina imali kwiRoth.
Enye into ekufuneka ujamelane nayo kukuba akuzona zonke izindlu zemali zokuthengisa ezinikeza abantwana iRoth IRAs. Enyanisweni, unokuba udibanise nomntu wenkonzo yomthengi ukuba ubiza umnxeba kwaye ucele omnye kuba akuzona zonke eziqhelekileyo. Sekunjalo, biza njalo uze ucele umntu ukuba acele i-supervisor!
Uza kuvula i-akhawunti kunye bobabini kuwe, kodwa wena ungumgcini.
Nangona abaninzi bebanika zona, uCharles Schwab wenza kube lula ngekhasi elinikezelwe kulo.
Amanqaku okugqibela:
Unako ukuxhaswa i-IRA kubo, kodwa kufuneka bafumane inzuzo. Ndiyakuphinda ndincoma ukuba ungenzi oku uze uxhawule ngemali yakho yomhlalaphantsi.
Ukuba unemali engenayo, unomhlalaphantsi oxhaswa ngemali kwaye unemali eyongezelelweyo uze uqikelele ukuba bachithe imali kwaye uncedise okanye unokufana.
Ngokomzekelo, ukuba bafumana i-$ 4,000 kwaye bafaka kwi-$ 2,000 uza kufaka i-$ 2,000. Ngaloo ndlela bafunda ukugcina, ukuxhaswa ngokupheleleyo nge-akhawunti kodwa kusele imali.
Kutheni kungekhona i-IRA rhoqo? Ngokuqhelekileyo abantwana abayidingi ukutsalwa kweerhafu. Kungaba ngcono ukuba babe nokukhula kwentela ngaphandle kokuncitshiswa ngoku.
Inzuzo yecala kukuba imali kwi-akhawunti ayiyi kuphazamisa uncedo lwezemali njengemali yomhlala-phantsi, kuphela xa uthabatha imali kwi-akhawunti yinto ehlawulwa ingeniso yerhafu.
Musa ukulibazisa ukuba umntwana wakho aqale ikhanda ngokulondoloza umhlala-phantsi!