Bala ukuba Uninzi olunjani kwiRhafu yomhlalaphantsi, ngoko-ke kufuneka Uninzi Omele ulondoloze
Kodwa kungakanani?
Ukufumana ukuba imali engakanani kufuneka uyibeke nganye ngenyanga ukuhlala umhlalaphantsi, kuqala kufuneka ubale ukuba zinkulu kangakanani iqela leendleke - lilonke-kufuneka uyenze.
Ngamanye amazwi: Ingakanani imali oyidingayo ukuba uthathe umhlalaphantsi? Uya kufuneka uphendule lo mbuzo ngaphambi kokuba unganqamle-injini-mali ukuba ubeke eceleni bucala lwakho.
Nantsi indlela ongayibala ngayo inkulu yeqanda lembande oza kuyimfuneko:
Inyathelo 1:
Cinga ukuba yeyiphi inxalenye yengeniso yakho yangoku ofuna ukuyifaka endaweni yokuthatha umhlalaphantsi.
Uninzi lweengcali zincoma ukuthatha indawo phakathi kwe-70% ukuya kwi-85% yengeniso yakho yangaphambili yomhlalaphantsi. Yandisa imali engenayo yonyaka ngonyaka ka-70% ukuya kwi-85% ukuza kunye neengeniso zakho zomhlala-phantsi kwiingxowankulu zamhla. Ukuba ingeniso yakho yangoku i-$ 100,000 kwaye unquma ukuba ufuna ukubuyisela indawo engama-80% kulo mhla uhlala umhlalaphantsi, ingeniso yakho yokuthatha umhlalaphantsi (kwiidola zamhla) i $ 80,000 ngonyaka. (Musa ukukhathazeka ngokulungelelanisa ukunyuka kwamaxabiso ngeli nqanaba.)
Ukuba wena kunye nomlingani wakho nonke nifumana imali ngaphandle kwendlu, qiniseka ukuba uzalise lo msebenzi kunye neholo lakho elihlangeneyo. Ukuba ufumana i-$ 50,000 ngonyaka kunye neqabane lakho lifumana i-$ 75,000 ngonyaka, yongeza inzuzo yakho kunye (i-$ 125,000 ngonyaka ihlanganiswe) kwaye yande ngamaphesenti angama-70 ukuya kuma-85 ekhulwini.
Inyathelo 2:
Lungisa inani ukusuka kwiNyathelo 1 ukuya kwi-akhawunti ye-4%.
Nantsi indlela:
Ukuba uneminyaka elishumi ukusuka kumhlalaphantsi, phinda ufumane iholo lakho lomhlalaphantsi ekujoliswe kuyo ngomyinge we-inflation we-1.48. Ukuba uneminyaka eyi-15 kude nomhlalaphantsi, sebenzisa umlinganiselo wokunyuka kwamaxabiso we-1.8. Ukuba uneminyaka eyi-20 kude nomhlalaphantsi, phinda ngo-2.19, kwaye ukuba uneminyaka engama-25 ukusuka kumhlalaphantsi, phinda ngo-2.67.
( Qaphela: Ezi zibalo zithethwa kwiNcwadi ye- 12 Inyathelo lokuThatha umhlala-phantsi ongakhathazeki , elipapashwe yi- Kiplinger's Personal Finance .)
Ngokomzekelo, kwiNyathelo 1 wanquma ukuba ufuna ukuhlala kwimali engenayo ye-80,000 zamawaka ngonyaka (kwiidola zamhla) ngexesha lomhlalaphantsi.
Makhe sicinge ukuba uneminyaka engama-25 ukusuka kumhlalaphantsi.
Kulo nyathelo lesibini, uthatha loo nani-$ 80,000 ngonyaka kwiidola zamhlanje - kwaye uyayandisa ngo-2.67. Impendulo yakho (i-$ 80,000 x 2.67 = $ 213,600) ibhekisela kwingeniso yakho yomhlalaphantsi ekujoliswe kuyo kwimali ezayo, emva kokulungiswa kwexabiso lentengo.
Ngamanye amazwi: Ukugcina indlela yokuphila eyimali engenayo ye-80,000 yeeRandi namhlanje, uya kufuna i-$ 213,600 ngonyaka kwiminyaka eyi-25 ukususela ngoku.
Inyathelo 3:
Ngena kwiwebhusayithi yezoKhuseleko loLuntu ukuze ufumane ukuba yiyiphi inzuzo yakho yeProjekthi yoKhuseleko loLuntu .
Isinyathelo 4:
Qhagamshelana neSebe lakho lobutyebi ukuze ubone ukuba uninzi lwempesheni, ukuba kukho na, ufanelekile ukufumana. Abathathu kubemi baseMerika abasenakufanelekela ukuqokelela ipensheni, kodwa ndibandakanya le nyathelo ukuze inzuzo yecandelo lesithathu lamaMerika.
Inyathelo 5:
Ukusebenzisa izinto ezifanayo zokunyuka kwamaxabiso endichazwe kwiNyathelo 2, ulungelelanise loo mali ngokunyuka kwamaxabiso.
Ngokomzekelo, ukuba unelungelo lokufumana i-$ 20,000 ngonyaka ukusuka kwi-Social Security kwiidola zamhlanje kwaye uneminyaka engama-25 ukusuka kumhlalaphantsi, wandisa i-20,000 ye-$ nge-inflation factor of 2.67.
Impendulo, i-$ 53,400, ngumlinganiselo wemali oyakuqokelela kwi-Social Security kwixa elizayo leedola, emva kokulungiswa kwexabiso lentengo.
Khumbula:
- Ukuba uneminyaka eyi-10 ukusuka kumhlalaphantsi, phinda ngo-1.48.
- Ukuba uneminyaka eyi-15 ukusuka kumhlala phantsi, phinda ngo-1.8.
- Ukuba uneminyaka engama-20 ukusuka kumhlala phantsi, phinda ngo-2.19.
- Ukuba uneminyaka engama-25 ukusuka kumhlala phantsi, phinda ngo-2.67.
Inyathelo 6:
Susa iprojekthi yakho yexesha elizayo elijongene nokunyuka kwamaxabiso kunye neenzuzo zempesheni ukusuka kwingeniso yakho yokuthatha umhlala-phantsi ojongene nokunyuka kwamaxabiso. Ubonisa ukuba uza kuba nemali enjani ukuza nayo evela kwipotfoliyo yakho yokutshala imali.
Umzekelo:
- Ingeniso ye-Inflation-I-Target Target Retirement Revenue: $ 213,600 ngonyaka
- Inzuzo ye-Inflation-Adjusted Social Security Benefit: $ 53,400
- Pension: $ 0
- I-shortfall: $ 160,200 ngonyaka
Ngamanye amagama, kuya kufuneka udale iphothifoliyo yokutshala imali ekwazi ukuvelisa i-$ 160 200 ngonyaka ngenzuzo.
Isinyathelo 7:
Yandisa le nombolo ngo-25 Yileyo ndlela inkulu ngayo iphothifoliyo yokutshala imali oya kuyidinga ukunyamekela iimfuno zakho zomhlalaphantsi.
Umzekelo: Ukuba ufuna ukuza ne $ 160,200 ngonyaka, uza kuyidinga (i-$ 160,200 x 25 = $ 4,005,000 kwiphothifoliyo yakho yomhlalaphantsi. Ngamanye amagama, uzakufuna iphothifoliyo yomhlala-phantsi we $ 4 yezigidi.)
Kutheni ukwandisa ngo-25? Ngenxa yomthetho wesigodlo esibizwa ngokuthi "umthetho wokuhoxiswa kwe-4%," ochaza ukuba unako ukuhoxisa u-4% wepotfolio yakho minyaka yonke ngaphandle kokubeka ingozi enkulu yokunciphisa phantsi iindawo zakho zokugcina.
Funda kabanzi malunga "nomgaqo wokurhoxiswa kwe-4%" kunye nokuhambelana "nokuphindaphinda ngo-25" kule nqaku.
Isinyathelo 8:
Bala ukuba ungakanani imali oya kuyidinga ukuyilondoloza ngenyanga ukudala i-portfolio ye-$ 4 yezigidi (mhlawumbi nantoni enkulu yepottoliyo uyazibala yona).
Eli nqaku liza kukunika uluvo olubanzi malunga nendlela oza kuyidinga ngayo ukukhupha inyanga zonke ukwakha i-egg eyi-1 yezigidi . Kucinga ukuba uqala nge $ 0 igcinwe.
Ekubeni mhlawumbi unemali kwiakhawunti yakho yomhlala-phantsi sele ufanele usebenzise kuphela loo nqaku kwisicatshulwa esikhulu somfanekiso. Ukubala inani elichanekileyo olufunekayo ukuba ulondoloze, sebenzisa i -calculator interest interest .
I-calculator interest interest calculator iya kulinganisa imbuyekezo ekubuyiselweni kwakho. Umzekelo: Ngonyaka we-1, utyalomali i-R10 000 kwaye ufumana i-5 pesenti yokubuya. Ekupheleni konyaka we-1, unama-10,500 ayi-$ 500. Ngonyaka wesi-2, utyalomali i-$ 10,500 epheleleyo - ngamanye amagama, ukuzuza kwakho (i-$ 500) ngoku bazuzisa. Ngokuhamba kwexesha, esi sixhobo esinamandla sokwandisa imali yakho. Funda kabanzi malunga nomdla apha.
Xa usebenzisa i-calculator, cinga ukuba iimarike ziza kubuyisa iipesenti ezi-7 ukuya kuma-8 njengesiqingatha sexesha elide. (Faka iipesenti ezi-7 okanye iipesenti eziyi-8 kwindawo ecela "umlinganiselo.")
Le calculator izokubonisa ukuba uninzi lwemali oyifunayo ukubeka eceleni nganye inyanga ukudala iqela lakho lokuhlala lomhlalaphansi.
Isinyathelo 9:
Yakha indawo kwibhajethi yakho ukubeka eceleni le mali ngomhlalaphantsi. Sebenzisa ezi phesheya ukuze ujolise kwiindawo ezibhekiselele kubhajethi yakho apho unokunciphisa imali yakho ukuze ukwazi ukubeka eceleni umhlalaphantsi.
Ukongezelela, ungakulibali ukuba unokugxininisa ekufumaneni ingeniso eyongezelelweyo, ngokunjalo. Thatha umsebenzi wesibini, kwaye ulondoloze le ngeniso eyongezelelweyo yakho yomhlalaphantsi.