Ukunikela ngeepesenti ezili-10 ukuya kwiNgxowa-mali yomhlalaphantsi
Iingcali ngokubanzi zibonisa ukuba kufuneka ulondoloze ubuncinane iipesenti ezili-10 ukuya kuma-15 ekhulwini lomvuzo wakho wokugcina umhlala-phantsi wokuhlala.
Kungakhathaliseki ukuba yintoni i-akhawunti yakho yomhlala-phantsi namhlanje , kufuneka uqiniseke ukuba wenza izinto ezilungileyo ezihamba phambili. Oko kuthetha ukunyusa u-401 (k) okanye omnye umnikelo wokuthatha umhlalaphantsi kwii-10 eziphantsi kweepesenti, ukuba akuninzi.
Kwixabiso elincinci, kufuneka uqiniseke ukuba ulondoloze ubuncinane okwaneleyo ukufumana umqeshi wakho ngokupheleleyo . Kodwa oko akwanelanga ukuba ufuna ukugcina umgangatho ofanayo wokuphila kwiminyaka yakho yegolide.
Imali ye-Lower Mutual Fund
Ngona abatshali-mali abanolwazi abanakho ukuphepha zonke iirhafu, kodwa unokwenza utshintsho oluthile kwiipotifoliyo zakho ezinokukugcina amawaka eedola kwiminyaka , ukuba akuninzi. Awunakho iindlela ezininzi zokutshala imali kwi-akhawunti yakho engama-401 (k) , kodwa i-IRA okanye enye i-akhawunti ye-investment ngaphandle komqeshi kufuneka ikunikeze ukufikelela kuzo zonke iingxowa-mali kunye ne-ETF.
Hlaziya i-fund yakho yangoku kunye kunye ne- ETF , kwaye uthelekisa kwiimali ezifanayo kwiVanguard, uCharles Schwab, Intsingiselo, kunye nezinye iindwendwe zengxowa-mali.
Ukuba unako ukuhambisa iidola zakho kwi-fund efana nentlawulo engaphantsi, kufuneka ugcine ngaphezulu kweedola kwiakhawunti yakho yokutyalomali endaweni yee-Pocket Wall manager.
Yakha iSicwangciso soLwabiwo lweAsset kunye ne-Stick to It
Utyalo-mali lwakho kufuneka lubandakanye uluhlu oluthile lweempahla, izibophelelo kunye nemali (okanye iimali ezibandakanya amasheya kunye nezibophelelo) ezifanisa ukunyamezela kwakho kunye neenjongo zokutshala ixesha elide.
Ukuba akunjalo, lixesha lokudala isicwangciso esabelwe isabelo semali kwiimfuno zakho.
Ulwabiwo lwakho lweefa kufuneka libe yindlela yokuhamba kwiphesenti ekhohlakeleyo yamasheya, amabhondi kunye nezinye izinto eziphathekayo kwipotfoliyo yakho. Oku kungenziwa nge-akhawunti okanye icebo elipheleleyo kuzo zonke i-akhawunti. Nantoni na enikwenzayo, musa ukunyanzelisa i-asethi yakho yesabelo okanye unokuba ungumangalisi omkhulu, ngolunye usuku kwixesha elizayo.
Funda iNcwadi yoTyalo-mali
UWarren Buffett uchitha ixesha elide lokufunda kwakhe, malunga neepesenti ezingama-80 zemihla yakhe ukuba ibe ngokuchanekileyo. Nangona akudingeki ufunde ama-600 ukuya ku-1 000 ngamaphepha ngosuku njengoWarren Buffett, yinto efanelekileyo yokugqitywa ulwazi lwakho lotyalo-mali kunye nencwadi entsha ubuncinane kanye ngonyaka. Nazi izigqibo ezimbalwa eziphezulu zokuphakamisa i-IQ yakho yotyalo-mali:
- Utyalo-mali-uBenjamin Graham
- I-Random Walk Street Wall-Burton Malkiel
- I-Automatic Millionaire-David Bach
- Ndiza Kukufundisa Ukuba Ucebile-Ramit Sethi
Ukufumana iingcamango ezingaphezulu, khangela le uluhlu lweencwadi ezili-9 ngokutyalomali .
Qinisekisa iiAkhawunti eziDala
I-akhawunti yeBhanki kunye ne-investments ayichaphazeli amanqaku akho , kwaye akukho nzuzo ekugcineni i-akhawunti endala ivuliwe. Banezela nje kwi-clutter yengqondo, i-document clutter, kunye nokugqitha kweengxelo kunye ne-1099s ngexesha lokurhafu.
Iikhompyutheni zomhlala-phantsi ezindala zifana no-401 (k) kwiakhawunti kumqeshi omdala, i-401 (k) i-rollover inceda udibanise, ufumane ezintsha iindlela zokutshala imali, kwaye unciphise iirhafu zakho. Xa kuziwa kwi-akhawunti yebhanki kunye ne-akhawunti yezobalo-mali, awona omncinci kumaxesha amaninzi, ngokungakhathaliseki ukuba awuyi kuhlawula ngaphezulu okanye ulahlekelwe yintlawulo yerhafu.
Funda iNkqubo entsha yoTyalo-mali
Ngo-2017 bekuyiminyaka yokuphumla yeBitcoin kunye nezinye izixhobo zokubhala, kodwa zikude nje kuphela kotyalo-mali oluthile. Ukuba awunayo isondlo into into enzima kakhulu, awuyedwa. Kodwa oko akuthethi ukuba iphothifoliyo yakho mayingenayo nayiphi indlela.
Ezinye iindlela ezithandwayo ziquka indawo yokuhlala, izinto eziphathekayo, ukuboleka kwamanye amazwe, ukusebenzisana okulinganiselweyo kunye nokunye. Khetha enye ukuze ufunde malunga nalo nyaka. Ingaba okanye ungekho isigqibo sokuba uyinto efanelekileyo yepotfoliyo yakho, akukubi ukuba ukwazi ngokumalunga nokutyalomali.
Phinda kabini phantsi koKhuseleko
Njengamanye eminyaka yakutshanje, u-2017 washiya iimbali zabantu baseMerika kwiingoma zomntu ngenxa yokuphulwa okukhulu kunye nezokhuseleko. Ibali elikhulu le minyaka yi-Equifax, eyaziwa ngolwazi lweentengo zemali zezigidi ezingama-143 zamaMerika kuquka konke okufunekayo ekutshweni kobunikazi.
Ukuba ungekho, vula ubuqiniso bokubakho kwizinto ezimbini, ngokukodwa i-akhawunti yakho ye-imeyile eyimfuneko. Zama umphathi wephasiwedi ukuze ube negama eliyingqayizivele, igama elingenangqangi kwiwebhusayithi oyisebenzisayo. Ekugqibeleni, tshintsha kwiphepha ukuya kwiikhompyutheni zekhompyutheni ukuze uphephe ukwebiwa kweposi kunye nesidingo sokushiya iifayile kwibhayinti eligciniweyo.
Beka Iimali Zakho Okokuqala ngo-2018 nangaphezulu
Nangona isisombululo sakho sokuya kwindawo yokuzivocavoca yonke imihla ingawa phantsi, ezi zigqibo azidingi ukuzibophelela kwexesha elide. Ukuba ungakhetha enye ngeveki, kwiinyanga ezingaphantsi kweenyanga ezimbini utyalo-mali lwakho luya kuba lukhulu kwonyaka omtsha. Ukuba unako ukunyanzelisa kwaye ubangqongqo ngokukhawuleza, okanye ufuna ixesha elincinci, kunjalo. Nantoni na oyenzayo, musa ukuyihoxisa utyalo-mali. Yenza icebo lesenzo kwaye uphucule utyalo-mali lwakho unyaka ngamnye. Ixesha lakho elizayo liya kukubulela.