Kukho konke ngokukhuseleko, ukukhula, ukuchithwa kwezinto, kunye neziphumo zerhafu emva kwexesha
Xa ufaka imithombo yemali engenayo kwi-portfolio yakho, kwiimeko ezininzi, kufuneka ukhangele ezi ziimpawu ezine:
- Ukukhuselwa kwemali engenayo engenayo
- Ukukhula kwisixa semali engenayo eyenziwa ngonyaka
- Ukuchithwa kwezinto eziphathekayo ezijongene nokucima imali engenayo
- Imiphumo yerhafu yomthombo ngamnye wemali engenayo
Kwimihlathi elandelayo, ndiya kuchaza ukubaluleka kwezinto ezi zinto ngabanye.
Ukhuseleko loMlambo weNgeniso yeNgeniso
Xa kuziwa ekuqokeleleni ukuhlola kwi-imeyile okanye ukubona iipastim ehambelanayo kwisitatimende sakho sasebhanki, ukhuseleko kufuneka libe yinto yokuqala ephambili. Ufuna ukuqinisekisa ukuba unayo ukhuseleko, ipropati, okanye enye i-asethi, iya kuqhubeka nokuvelisa i-greenbacks ukuba uchithe, unike uncedo, uvuselele okanye ulondoloze. Into yokugqibela oyifunayo ukuvusa ngolunye usuku kusasa ukuba imali ekulindelekileyo ayikho.
Ukukhula kwiNani leNgeniso yeNgeniso eyenziwa ngonyaka ngamnye
Utyalo-mali oluthile luba luxabiseke ngokuhamba kwesikhathi kuba ishishini eliphantsi okanye ipropati liphezulu kumgangatho ophezulu ukuba ulawulo lunako ukuphakamisa amaxabiso ngokukhawuleza kunomlinganiselo wokunyuka kwamaxabiso . Awufuni ukulahlekelwa amandla okuthenga. Thatha umzekelo onjenge-Coca-Cola Inkampani.
Ukuba uthenge amasheya emva kwee-1970, kwaye uchithe ingeniso yakho yemali kwiminyaka engama-40+ edlulileyo ukuze kungabikho nanye yale mali eyayibuyiswa kwakhona, uya kuba usenza umvuzo wonyaka ophezulu kunokuba wawubuyele xa uqala ukufaka imali . Kungenxa yokuba ishishini ngokwalo likhule, inzuzo iye yanda, kwaye isabelo ngasinye sinegunya lokufumana ibutho elikhulu lokufumana imali.
Ukuchithwa kweeAjethi eziSebenzayo ezijongene nokuKhutshwa kweNgeniso yeNgeniso
Uyayazi loo mazwi endala, "ungagcini onke amaqanda akho ngebhasikidi enye"? Thatha ingcebiso ngokukodwa. Ukuba uthembele kwipotfoliyo yakho ngeniso, yonke into ebalwayo iyonke idola eyabonakaliswa ngonyaka. Konke okulinganayo, kungcono ukuba uvelise i-$ 50,000 ngonyaka ukusuka kwiimali-mali ezi-50, ezo zonke ezo kukunika i-$ 1,000, kunokuba unamathele-mali amabini, ngalinye lifumana imali engama-25,000. Kwimeko yokugqibela, ingxaki enye yezolimo-mali ziza kubangela ukusikwa kwintlekele kwimilinganiselo yakho yokuphila. Oku akuvunyelwanga kwinqanaba lomdlalo xa usemoyeni yokuvuna, ukuvuna umvuzo wokuphila kwindleko yokuphila.
Iziphumo zeRhafu zeMthombo ngamnye weNgeniso yeNgeniso
Imirhumo.
Imirhumo ibaluleke kakhulu. Akunakulungele ukugxila kumyinge wemali oyifumanayo yodwa ngenxa yento ebaluleke kakhulu yimalini yemali oyigcinayo. Ayikho yonke imali engenayo idola idola. Ulwahlulo lwangoku lwarhoxiswa nge-15% kuphela, ngelixa ulwabiwo oluvela kumbambiswano olulinganiselwe lunokuphathwa njengentlawulo yemali eninzi kunye nentlawulo encinci, ukuba kukho nayiphi irhafu, kwiminyaka embalwa yokuqala. Ibhondi yemveli yenkampani inokuba yerhafu njengoko iphezulu ngo-41% kwimeko enzima kakhulu, ngelixa ubhonkco womasipala ongenanto lwangaphunyezwa ngokupheleleyo irhafu. Ukugqithisa imibandela eqhubekayo, ipahla ezigcinwe kwiintlobo ezithile ze-akhawunti, ezifana neRoth IRA , akunako ukuthotyelwa kwerhafu ngaphandle kokuba uwele kwisicupho, njenge-Business Income Taxable Income, okanye iBTI.
Xa ubeka uluhlu lwakho lweefa ezivelisa imali, qiniseka ukuba ubale inetha langempela, emva kwemali yentlawulo oyifumanayo ngonyaka.
Ngamanye amaxesha, unokwandisa umgangatho wakho wokuphila ngokubaluleka ngokuguqula iintlobo zobunini obugcinayo okanye obandakanyekayo kwindlela ebizwa ngokuba yi-asset positioning. Imali ekhululekile ehleli etafileni ukuba uthathe. Akukho sizathu sokuba ungayifaki komsebenzi owongezelelweyo ukuze ufunde umthetho werhafu uze ugqibe ngokuncinci.
Qinisekisa ukuba ubuya kuhlawula iNgxowa-mali yakho yePoteli kwiNgcaciso Kanye ngonyaka
Beka ixesha elithile ubuncinci kanye ngonyaka - njengesiLwesibini okwesibini ngoFebruwari okanye ngosuku emva kokubonga i-Thanksgiving-kwaye uqhube ngamnye kutyalo-mali lwakho. Bahlalutye kwaye baqinisekise ukuba basanikela ngezinto ezine esathetha ngazo-ukhuseleko, ukukhula, ukuhluka, kunye neziphumo ezilungileyo emva kwentlawulo. Umsebenzi owodwa ogcweleyo wosuku ngumlinganiselo omncinci wokuhlawula uxolo lwengqondo.