Izinto ezifanele uziqwalasele Ukuba uthenga imali-mali
Hlalani Nenyameko kwiiRhafu zokuLawula iRhafu kunye neeklasi eziBini eziSahlulo zabanye ngenxa yokuba abanye baya kuhlawula i-Divordi ephezulu kwiRoth IRA yakho.
Iinkampani ezininzi ezininzi zamazwe ngamazwe zigcina uluhlu oluninzi kumazwe amaninzi. Oku kuvumela abatyali-mali behlabathi ukuba bakhethe owona uncedo kakhulu kwiimfuno zabo zerhafu ngenxa yokuba amanye amazwe anqanda u-0% kwiirhafu zerhafu kubarhwebi basemzini (umz., I-United Kingdom) kwaye abanye banqande kakhulu ngakumbi (umz., 30% eFransi) .
Umzekelo ogqithisiweyo yioli kunye negesi yendalo, iRoyal Dutch Shell. Inkampani inamacandelo amabini esitokisini-izabelo ze-Class A kunye neengxenye zeBakala B. Eyona nto iyinkqantosi kwaye ibandakanye izivumelwano zerhafu zamazwe ngamazwe, kodwa umgca wenyani ukuba ungummi waseMelika, mhlawumbi uya kwenza ngcono ngakumbi ngokuba neengxenye zeBakala B kuba akukho ntlawulo yomrhumo iya kugcinwa, okwenza kube negalelo eliphezulu kakhulu isivuno .
Ukunika amanani athile, ngokusekelwe kumaxabiso okurhweba xa ndapapasha ekuqaleni kweli nqaku ngo-2012, i-R16 I-RRA i-RRA ifunyenwe imali ngokupheleleyo kwiRoyal Dutch Shell Class A izabelo ziza kufumana iRandi 4,700 ngemali eyimali ngonyaka. Imali eyi-100 000 iRoth IRA etshaliwe kwiiRoyal Dutch Shell zeClassi B izabelo ziza kufumana i-$ 5,300 ngemali ekhethiweyo ngonyaka.
Le yongezelelweyo eyi-12.77% yokubuyisela imali yemali yokuba neyiphi ixabiso elichanekileyo kwiimpahla ezifanayo. Ukunikezelwa kwamashumi ambalwa eminyaka, njengoko izabelo zabuyiselwa kwakhona, ulwahlulo lwentlupheko yobutyebi phakathi kwabakwa-Class A kunye nabakwa-Class B abanamalungelo abo abagcina i-Roth IRA beya kukhula ngokuphindaphindiweyo kuze kube yilapho i-shareholder yeBakala B inezihlandlo ezininzi, ngokuphindaphindiweyo utyalo-mali olupheleleyo Umlingani weCandelo A.
Ukuba, ngokuchaseneyo, ufune ukuthenga izabelo ze-Total, SA, isiqhwaba samafutha saseFransi, i-$ 100,000 efanayo iya kuvelisa i-$ 5,000 kwi-dividend engenayo kodwa urhulumente waseFransi uza kuthatha i-R500 i-R500 i-Roth IRA yakho i-$ 3,500 eyisele. Ukuba unesitokethi esabanjwe kwi-akhawunti ye-brokerage, unokufakela iitaliti zerhafu yangaphandle kunye ne-IRS kwaye uphinde uphinde ufumane imali eninzi.
Ukuba isitokethi sagcinwe kwi-Roth IRA yakho, uya kuba yinhlanhla. Oku kuhlawulela isivuno semali esipheleleyo kwi-5.00% ukuya kwi-3.50% kwaye yenza kube mnandi kakhulu kunenkampani efana neeRoyal Dutch Shell zeSigaba B okanye iConocoPhillips. Ubungakanani bokubaluleka kwexabiso lenu luya kufaka uhlobo oluthile lokulungiswa kweerhafu kuba ilizwe ngalinye likuvumela ukuba ugcine inani elihlukileyo lenzuzo kuxhomekeke kuhlobo lwe-akhawunti apho ubambelele kuyo.
Qonda ukuba ukunyuka kweeMali kungenza iRoth ye-IRA ibe nzima kakhulu kuneeShishini zeShishini eziphantsi.
Khawucinge nje ngowokuqala kukaJanuwari 2008. Unayo i-$ 100,000 ehleli eRoth IRA. Unquma ukuba ufuna ukuthenga izabelo zeNintendo. Uguqula zonke iidola kwiRoth IRA yakho kwisiJapan Yen, okubangele i-11,415,000. Uyakwazi ukuthenga amasheya angama-200 e-¥ 57,075 ngesabelo ngasinye.
Uhlala kwaye ungenzi nto kwizabelo zakho zeNintendo. Ngo-2008, uqokelele ii-252,000 kwizabelo, ngo-2009 waqokelela ii-288,000 kwizabelo, ngo-2010 waqokelela i-186,000 kwizabelo, ngo-2011 waqokelela ii-90,000 kwizahlulo, kwaye ngo-2012, uqokelele i-20,000 kwiingeniso.
Ngaloo ndlela, i-Roth IRA yakho iqokelele i-836,000 kwizabelo phambi kwentlawulo kwiminyaka oye wabamba isitokisi. Xa ndaqala ukushicilela eli nqaku ngoDisemba 2012, uNintendo uthengiswa nge-9,070 ngesabelo ngasinye, ukunika isikhundla sakho sisigxina se-¥ 1,814,000 kunye nesahlulo se-TOTAL 2,650,000.
Oko kuthetha ukulinda ngesineke iminyaka emalunga nesithandathu, ulahlekelwe ¥ 8,765,000, okanye u-76.78% wokuqalisa kwakho imali. Ufuna ukuhlamba izandla zakho yonke into ukuze uthengise isitoreji kwaye ujonge i-¥ 2,650,000 ehleli eRoth IRA yakho. Ubiza umnini-mboli wakho kwaye uguqulele kwakhona kwiidola zase-United States uze ufumane i-$ 30,789.
Ekuqaleni, loo nto ayinangqiqo. Ulahlekelwe ngu-76.78% wotyalo-mali lwakho, kodwa nantsi unalo kuphela ukulahleka kwe-69.21%. Iphi enye i-7.57% eyayivela phi, inqanyulwa enye inki yakho ebomvu? Kwakufuneka kusebenze ngemali yokuguqulela. I-United States yaqalisa ukulahleka okukhulu kwaye yabona idola layo lilahlekelwa lixabiso lifaniswa neYen. Ngo-2012, unokuthenga enye idola kwiYen yonke into ongayenza ngayo ngo-2008.
Le meko inokusebenza ngenye indlela, nayo. Kwiimeko ezingafanelekanga, unokufumana utyalo-mali oluxabisekileyo kwixabiso lemali, kodwa xa uliguqulela e-United States, kwaphumela ekulahlekeni. Ukukhusela kule nto, unokuhlawula umrhumo wokuhlawula imali okanye ukugcina imali kwimali yasekhaya kwaye ngokwenene uye kulelo lizwe ukuchitha imali. Ukuba, umzekelo, ube nekhaya leeholide eTokyo, ixabiso lemali aliyi kuba lukhulu kuwe ngenxa yokuba uhlala, udle, kwaye uthenge usebenzisa iYen yakho.
Qonda ukuba izingozi ze-Geopolitical zingalimaza i-Roth IRA Investment yakho
Kuye ixesha elide ukususela kwimfazwe yehlabathi sele iphule kwaye idla iplanethi. Xa oko kwenzeka, zonke iibhentshi ziyacinywa ngenxa yokuba umkhosi welizwe elithile uza kuvelisa ezinye izinto ngenxa yokhuseleko. Cinga ukuba unotyalo-mali oluphawulekayo kwenkampani yezimoto eChina.
Ukuba iUnited States iya kulwa neChina, urhulumente waseTshayina cishe uya kuhamba embonini, utshintshe igama loshishini, kwaye akhuphe isitya esitsha kubatyalomali bendawo. Ngoku awunalo ubunikazi. Kuye kwenzeka kwixesha elidlulileyo, kwaye ngokuqinisekileyo kuya kwenzeka kwakhona kwikamva.
Oku kwakuqhelekileyo kulo lonke elaseYurophu ngexesha leMfazwe Yehlabathi I no-II xa abatyali-mali bebona iimbothi zabo zeefotfoliyo zelizwe zihamba ngeenxa zonke zobusuku njengamaqela ahlukeneyo ahambelane. Oko akuthethi ukuba utyalo-mali lwamazwe ngamazwe kwiRoth IRA alufanelekanga. Oku kuthetha ukuba kufuneka uhlawule ihlabathi.
Xa ukhetha i-Investment Global kwi-Roth IRA yakho, qaphela amazwe ahlukeneyo usebenzisa iMithetho eyahlukeneyo yokuBamba iMali
Imithetho yokubaluleka kweMexico ayifani neyofana neye-United States. Imithetho yokuphendula ingxelo e-United States ayifani neyoMzantsi Korea. Ukuba wenza utyalo-mali lwamazwe ngamazwe ngeRoth IRA yakho, kufuneka ukwazi ukuba uhlalutya amanani ukwenzela ukuba ungavuki ukuba wenze iphutha elibi.
Ukukunika umzekelo wehlabathi loqobo: KwiMexico, isalathisi , isitatimenti se ngeniso , kunye nesitatimende sokuhamba kwemali siyahlengahlengiswa kwimihla yokunyuka kwamaxabiso emandulo ngenxa yokunyuka kwamaxabiso okwehla uqoqosho luye lwahlupheka. Oku kuvumela abatyali-mali ukuba bafumane ingcamango yento eyenzekayo kunye ne-shishini, ukukhupha imiphumo yemali. Yindlela ephakamileyo kakhulu kunaleyo esetyenzisiweyo eUnited States, apho inkampani inokubonisa ukunyuka kwe-4% "kwinzuzo xa ukunyuka kwamaxabiso kuqhutywe ngo-4% kunyaka owenziwe.