Okwenene yinto ebalulekileyo, kodwa imvelo yethu kukucinga ngemigqaliselo
Yilapho iindinyana ezingenayo imali engenayo ingenayo ingeniso engenayo. Ungenako ukwazi imigangatho, kodwa ifanelekileyo malunga nendlela oceba ngayo umhlalaphantsi.
IiRandi zangempela
Kufuneka ukwazi ukuba iidola zakho ziya kulungelelani ngokwenene; kuthetha ukuba yeyiphi ixabiso lempahla kunye neenkonzo abanokuthenga.
Umzekelo, ukuba unayo imali eyaneleyo yokuthenga isonka sesonka kunye nokuhlawula i-premium yakho yempilo yomshuwalense namhlanje, ufuna ukwazi ukuba unokufumana imali eyaneleyo yokuthenga isonka sesonka kunye nokuhlawula i-premium yakho ye-inshorensi yempilo kwiminyaka elishumi elinesihlanu- ukuba inani lezinto liye landa. Oku kuthethwa ngokuthi "eyiyo" idola. Ziyinyaniso kuba zithenga inani elifanayo lempahla kunye neenkonzo - yilokho okufuneka ukuba bakwenze.
Iidola ezikhethiweyo
Ukuqonda iidola ezikhethiweyo zicinga ukuba ndikunike i-bill ye-dollar eyishumi namhlanje. Uyibeka emdakeni kwaye uyiphononise iminyaka elishumi elinesihlanu ukususela ngoku. Kusengama-dollar ayishumi ngokwemigqaliselo; intsingiselo yexabiso elijongene nayo yi-$ 10. Kodwa ngaba iya kuthengwa isixa esilinganayo sesonka kunye ne-inshurensi yempilo yokuba yayineminyaka elishumi elinesihlanu edluleyo? Akunakwenzeka. Oko kuthetha ukuba ngokwenene akufanelekanga imali efana neyadola ezili-10 namhlanje.
Xa uthatha umhlalaphantsi, nto oyifunayo yiyona idola yangempela. Ukuba wayesazi ukuba ixabiso leemveliso kunye neenkonzo zakho ziza kuphakama okanye ziwe, kuya kuba lula ukubala.
Njengoko akukho ndlela yokukwazi, kufuneka wenze uqikelelo oluthile. Umlinganiselo wokunyuka kwamaxabiso o-3% okanye 4% ngumlinganiselo oqhelekileyo osetyenziswayo.
Imilinganiselo yangempela kunye namaxabiso okubuyisela
Kumele uqikelele izinga lokubuyiswa kwakho imali kunye nokutshala imali. Masithi utyalo-mali ngokuzimeleyo , kwaye uthatha imali oyongayo kunye notyalo-mali uza kufumana malunga ne-3% ngonyaka.
Ukucinga ukuba amanani aphakama malunga ne-3% ngonyaka, yintoni ukubuyela kwakho kwangempela?
Kukho. Utyalo-mali lwakho luya kunyuka kwixabiso kwi-3% ngonyaka, kodwa ukuba ukunyuka kwamaxabiso ku-3% ngamnye ngonyaka baya kuthengwa inani elifanayo lempahla kunye neenkonzo njengokuba benza ngaphambili. Oku, kwindlela, isiphumo esamkelekileyo.
Ngoku, uthathe ukugcina imali yakho kunye notyalo-mali ufumana u-5% ngonyaka, ngelixa u-inflation u-3%. Iyiphi izinga langempela lokubuyisela? 2%. Ukulondolozwa kwakho kunye notyalo-mali kunyuka kunyaka ngamnye kwaye bathenga izinto ezininzi kunye neenkonzo kunokuba babeza kunyaka.
Imvelaphi yangempela yemali engenayo yomhlalaphantsi
Ukhuselo lweNtlalo luba neendleko zokulungiswa kokuhlala ezakhiwe kuyo kwaye uhlengahlengiso lwenziwe ngonyaka ngokuxhomekeke kumlinganiselo wokunyuka kwamanani kunyaka odlulileyo. Oko kuthetha ukuba uqala ukufumana i-R7 000 yoLuntu loKhuseleko loLuntu, ngoko kwiminyaka engama-20 i-$ 1,000 kufuneka isathengi malunga nemali efanayo yeempahla kunye neenkonzo ezakwazi ukuthenga ekuqaleni. Ingxowa elilodwa lemali yeNgxowa-mali yeNhlalakahle yeNtlalo ibonisa i-$ 1,000 yenzuzo yangempela
Ukuba usebenza ixesha lokuthatha umhlalaphantsi, oko kunokukunika nomthombo wenzuzo yangempela njengoko umvuzo uvame ukunyuka ngexabiso lentengo.
Imithombo yeminiselo yemali engenayo yomhlalaphantsi
Uninzi lweempesheni alinayo iindleko zokuphila ziyakwanda ukwenzela ukuba zibonelele ngeedola ezizodwa.
Oko kuthetha ukuba yonke imali engama-1 000 yemali yempesheni oyifumanayo, iminyaka engama-20 ukususela ngoku iya kuthenga izinto ezincinci kunye neenkonzo kunokuba ekuqaleni.
Nawuphi na umthombo osisigxina wokufumana umhlala-phantsi uza kunika iidola ezikhethiweyo ngaphandle kokuba unikezele ngokukhawuleza ukulungiswa kweendleko zokuhlala.
Amanye ama- annuities anikezela ngokuhlawula imali ehlawulelwayo . Kuthatha inkunzi eyongezelelweyo ukuthenga i-annuity enikezela umvuzo oza kunyuka kunye nexabiso lentengo (i-dollar yangempela) kunokuthenga enye enikezela ngentlawulo yenyanga nganye. Kungenakukufaneleka njengoko kuya kukunika imali engaphantsi kwenyanga xa usuhlala phantsi, kwaye ufumane ingeniso emva kamva xa unganakudinga. Uphando oluninzi lwemali yokuthatha umhlala-phantsi lubonisa ukuba kamva ebomini abantu baphuma ngaphantsi, bathengise ngaphantsi, kwaye bahamba ngaphantsi, kwaye njengoko ezi zinto zenzeka ngaphantsi, le ngeniso ingabuyiselwa ukuhlawulela ukunyuka kwamaxabiso kwezinye iindawo.
Kuhle ukufumana ingeniso yangempela, kodwa akusiyo yonke iholo lakho lomhlalaphantsi kufuneka likhuphuke ngokunyuka kwamaxabiso . Into ebalulekileyo yokwenza yinto ehambelana nendlela oceba ngayo kwaye ukhumbule ukuba i-$ 10,000 iminyaka engamashumi amabini ukususela ngoku ayifanelekanga efanayo ne-$ 10,000 namhlanje.