Nantsi indlela yokwenza ngayo.
Kodwa ngaba ufuna ngokwenene ukugcina yonke i- fund yakho yengxakeko kwi-akhawunti yokulondoloza? Nangona i-akhawunti yokulondoloza kufuneka ibe yinxalenye yesicwangciso sakho semali esiphuthumayo, akusona indlela kuphela yokuyenza. Nantsi indlela yokwakha ingxowa engxamisekileyo yengxowa-mali.
1. Qala nge-Akhawunti yokugcina
I-akhawunti yokulondoloza ngokuqhelekileyo isetyenziselwa ukukhawuleza ngenxa yokuba imali iyamanzi kwaye ifikeleleke, ikuvumela ukuba ushukume imali ngokukhawuleza okanye uyikhuphe njengemali evela kwi-ATM. Kwakhona ngokuqinisekileyo indawo ekhuselekileyo yemali yakho: I-akhawunti yokulondoloza iyagcinwa yi-FDIC, kwaye akukho mngcipheko wokuba ulahlekelwe yimali ukuba imarike ithatha i-dive.
Kodwa oko akuthethi ukuba ufanele ugcine yonke imali yakho apho. Nangona i- fund yexakeka engxamisekileyo kufuneka ihlanganise iindleko zokuhlala kwinyanga ezintathu ukuya kweyesithandathu, i-akhawunti yengqolowa yongxowankulu yodwa yongenayo iindleko ezibandakanya indleko zeeveki ezintathu ukuya kwezine.
Oku kudibanisa iimfuno zangexeshana, kwaye ukuba ndifuna imali ngokukhawuleza, ndinokufikelela kwimali eyaneleyo ukuze ndide ndide ndihlawule imali kwenye i-akhawunti.
2. Yongeza iAkhawunti yokuTyala imali
Kakade ke, iindleko zeeveki ezintathu ukuya kwezine zineendleko ezaneleyo kwiziko lexakeka . Kungenxa yoko ndiyandisa imali eyongeziweyo ngoncedo lweakhawunti yokutshala imali, endivumela ukuba ndibone i-akhawunti egciniweyo yokubuyisela imali.
Ndisebenzisa i-akhawunti ehlawulisiweyo, kunokuba i-akhawunti yomhlalaphantsi i-IRA, ukuze ndikwazi ukurhoxisa imali ngaphandle kokufumana isohlwayo. Ndimisela imali esetyenzisiweyo kwingxowa-mali yemarike yonke, kwaye njengoko ixabiso lemarike, i-fund yami yenkxalabo yongxamiseko ikhula. Ndihlala ndityalomali, ngoko i-akhawunti ihlala ikhula njalo.
Ngokuqinisekileyo, umngcipheko omkhulu ngale ndlela kukuba i-marhwebo ingaba kwi-downswing xa ufuna imali. Nangona iimarike ihlala iphakama ngexesha elide, kwixesha elifutshane ungagqiba ngokulondoloza ngaphantsi kwinqanaba okhululekile ngayo. Yaye ukuba ugqiba ukukrazula enye yentlawulo yakho kunye nemali, uza kufaka ilahleko kwaye ungaphumeleli kwiintlawulo ezithatha ukulandela ukulungiswa kwemarike.
Oku kwenzeka kum ngo-2010-kungekudala emva kweemarike zithatha i-market, i-basement yam ikhukhula kwaye ndafuna imali. Ngenxa yokuba ndihlawuliswe kamva ndibe nexesha lokuhlawula ezinye izabelo kwi-akhawunti yam yerhafu yerhafu ukuhlawula iindleko. Kwaye ibhalansi ye-akhawunti yam ingazange iwele phantsi kangangokuthi ndandinenkinga yokuphelelwa yimali. Kodwa kwakuthetha ukuba ndithengisa izabelo ekulahlekeni kwaye ndilahleka kwezinye zeemakethe ezilandelayo.
Ngenxa yengozi, udinga ukunyamezela xa uceba ukufaka i-akhawunti ye-investment kwiqhinga lakho lesigxina.
Ngaphezulu, unako ukukhawulela umngcipheko wakho ngokusebenzisa izibophelelo kunye neengcombolo zemali kwingxenye ye-akhawunti yengxowa-mali yongxamiseko, ngoko ukunciphisa ukubonakala kwakho kwintengiso.
Ekugqibeleni, gcina ingqalelo kwingxelo yentlawulo yokuthengisa imali kwi-akhawunti ehlawulwayo. Ngo-2010 bekufuneka ndithengise imali-mali kwilahleko, kodwa iindaba ezilungileyo kukuba ndingazibonela ngokuncitshiswa kweerhafu kwilahleko. Ngakolunye uhlangothi, ukuba uthengisa ukuzuza, kuya kufuneka ukuba uhlawule irhafu yentlawulo. Gxila ekuthengiseni izabelo oneminyaka engaphezu konyaka kuqala, ngoko uhlawulwa intela efanelekileyo.
3. Sebenzisa i-Roth IRA yakho njengeNgxowa-mali
Ukuba ufanelekile, kwaye utyalomali kwiRoth IRA, kunokwenzeka ukuba uyisebenzise njengengxowa-mali engxamisekileyo yokukhusela. Ngenxa yokuba unika isandla kwiRoth IRA kunye neerhafu zerhafu emva koko, unokurhoxisa iminikelo ngaphandle kwehlwayo.
Xa ugalela rhoqo, unokwakha i-Roth IRA ukuya kwindawo apho ingenza i-stop-gap emihle xa kuyimfuneko.
Nangona kunjalo, ngelixa unako ukurhoxisa umrhumo werhafu, kufuneka uqaphele xa uhoxisa umvuzo (iimbuyekezo kwimali yakho) ukusuka kwiRoth IRA. Ukuhoxiswa kwangaphambili kwemvuzo kufike nehlwayo kwi-IRS, ke qiniseka ukuba unamathele kwimali oyifakile kwi-akhawunti. Kukho okunye okungafaniyo kwesi sigwebo, nangona kunjalo: Unako ukurhoxisa umvuzo wokuhlawula iindleko zonyango okanye ukuba awusebenzi. Ekubeni ezi ziyimfuno ezixakeka ngokukhawuleza, mhlawumbi kungeyiyo into embi ukuba neRoth IRA yakho ilinde ngamaphiko.
Kwakhona, qaphela ukuba awukwazi ukubuyela emva kwexesha lemali esetyenziswe kwiimarike. Unemihla engama-60 ukubuyisela imali xa ufuna ukuqiniseka ukuba ihlala ngaphakathi kumyinge wenkxaso yonyaka. Ingcamango enhle yokuba enye i-akhawunti yomhlala-phantsi ifumaneka njengama-401 (k), kwaye ugweme ukuyichukumisa loo nto. Awufuni ukubeka umngcipheko ngekamva lakho ngokukhawuleza.
I-Tweak I-Plan Yakho Yokulondoloza Ngxamisekileyo njengoko kufuneka
Xa usebenzisa le cwangciso, kubalulekile ukuqinisekisa ukuba usebenza kwinqanaba lakho lokuthuthuzela. Ndiyathanda ukugcina iindleko ezintathu okanye ezine zeeveki kwi-akhawunti yam yokulondoloza, kwaye i-akhawunti yami yokutsalwa kwetyala ityala iinyanga ezili-ezintle (kwaye iyakhula). I-Roth i-IRA isemvelaphi ye "nje kuphela ukuba" into enkulu.
Ukuba kunama-80 engama-80 ekhulwini leengxowa-mali eziphuthumayo kwiimarike kwenza ube neentloni, unokuba uzive ungcono ukugcina iindleko ezimbini okanye ezintathu kwiindleko zokugcina imali ngaphambi kokubeka imali kwi-akhawunti yokutsalwa kwetyala. Ukongeza, ufuna kwakhona ukuqinisekisa ukuba isicwangciso sakho sokulondoloza umhlala-phantsi sisebenza kakuhle nesicwangciso sakho seengxowa-mali. Awufuni ukuxhomekeka kakhulu kwiRoth IRA yakho ngaphandle kokuba unayo enye i-akhawunti yomhlala phantsi kwiqanda lakho elide lexesha elide.