Yintoni enokuyilindela xa ufuna utyalo-mali obuthathaka.
Yonke into ebomini i malunga ne-trade-offs. Xa ukhetha ukhetho lokutsalwa kwemingcipheko ephantsi, akunakwenzeka ukuba ulahlekelwe yinqununu yakho, kodwa unganakwenzeka ukuba ufumane inqanaba eliphezulu lokubuyisela. Ukuba lo luhlobo lokurhweba olulindelekileyo, ke ngaphantsi kwezi zihlomelo ezisixhenxe zokungeniswa kwemingcipheko ekufuneka uyiqwalasele.
1. Ukugcinwa kweBhanki
I-akhawunti yokulondoloza ebhankini yakho okanye inkontileka yekhredithi ngumngcipheko ophantsi. Ixabiso le-akhawunti ayiyi kuguquka.
Nangona kunjalo unako ukulahlekelwa yimali ngendlela epholileyo kwaye enokuthoba, njengokukhukhula. Ukuba i-akhawunti yakho yokugcina ihlawula i-1%, kwaye ukunyuka kwamaxabiso ku-3%, ulahlekelwa ngu-2% ngonyaka ekuthengeni amandla. I-akhawunti yokugcina ibhanki iyona nto ikhethekileyo xa ukhetha ukufikelela kwimali yakho naliphi na ixesha.
2. Iziqinisekiso zeDistim (iiCD)
Amabhanki akhiphe izitifiketi zediphozi eziqinisekisa ukuba inzala ethile inqanaba elilodwa, njengeenyanga ezintandathu, unyaka okanye iminyaka emihlanu. Ukuba uhoxisa imali ngaphambi kokuphela kwekota, isohlwayo sinokufaka isicelo. Njengeengxelo zokulondoloza, ii-CD ziyingcipheko ephantsi. IiCD ziyakwenza indawo enhle yokupaka imali ekuthengeni oyaziyo ukuba kuya kufuneka uyenze ngexesha elithile kwixesha elizayo.
3. Iimali zoNondyebo
Urhulumente waseUnited States uveza iintlobo ezininzi zeemfanelo, zonke iimali ezithatyathwa ngengozi. Kukho iibhondi ze-EE, ii-Bonds, i-TIPS, iibondari ze-Nondyebo, iiMithetho-mali kunye noNondyebo amanqaku. Uthenga ezo ntlobo zotyalo-mali ngokuzenzekelayo kwi-Treasury yase-US ngokusebenzisa i-akhawunti ye-intanethi.
Ndine-akhawunti enjalo, enxulumene nekhawunti yam yokujonga.
4. Iimali zeeMali zeMarike
Ibhanki yakho inokunika i-akhawunti yemarike yemali engakhokhela inzala ephezulu ngaphezu kwe-akhawunti yokugcina imali. Unokufuneka ukuba ugcine ibhalansi encinci ukuze ufanele ukufumana umyinge ophezulu. Iimali zeemarike zemali zihluke kakhulu kunezimali zemarike zemali.
5. I-Fundable Value Funds
Ixabiso elizinzileyo yintetho yotyalo-mali ekhoyo kwininzi (kodwa kungekho konke) 401 (k) izicwangciso. Utyalo-mali obuncinane ngenjongo yokulondoloza inqununu yakho, ukubonelela ngemali ukwenzela ukuba ungadlulisela kuyo nayiphi na ixesha, kwaye uphumelele kwimbuyekezo efana neyobambiswano kunye nexesha eliphakathi kodwa ngezinga elincinci (ukungaphantsi kwehla nokuhla kwehla). Uninzi olukufutshane nabathathe umhlala-phantsi kufuneka luqwalasele ixabiso elizinzileyo njengenxalenye yephothifoliyo yabo kwisicwangciso sawo esingu-401k.
6. IiNkcazo eziHlangeneyo
Iimali zonyaka ezikhutshweyo zikhutshwa yinkampani yinshuwalense. Ziyimngcipheko ophantsi kuba inkampani yomshuwalense iyavuma ngokukhawuleza ukuba ikuhlawule umlinganiselo wenzala. I-annuity echanekileyo ifana neCD ngaphandle komdla oqokelela ukuhlawulwa kwentlawulo. Ngokungafani neCD uza kuhlawula irhafu yentlawulo xa uhoxisa inzala ngaphambi kokuba ufikelele kwiminyaka yobudala engama-59 ½. Isiqinisekiso somyinge wenzala sihle nje kuphela njengenkampani yomshuwalense ekhuphayo. Imali yakho kwi-annuity ibonakaliswe kwengozi xa inkampani yomshuwalense iphuma kwishishini. Ukuba ungaphantsi kwemida ye-guaranty yesizwe, imali yakho kufuneka ikhuselwe. Ukuchithwa kohlengahlengiso olukhethiweyo lukhethiweyo oluphezulu, ufune ukuba imali yakho ikhuseleke, kwaye akuyi kuyidinga ukuyisebenzisa kuze kube ngu-59 1/2 okanye kamva.
7. Iimali ezihlawulezileyo
Ukuhlawulwa kwexesha elikhawulezayo kukuqinisekisa inani elithile lenyanga yengeniso. Kanye njengoko kuhlawulwa i-annuity isiqinisekiso sisilungileyo njengoko inkampani yomshuwalense ekhuphayo. Imali yakho kwi-annuity ibonakaliswe kwengozi xa inkampani yomshuwalense iphuma kwishishini. Ukuba ungaphantsi kwemida ye-guaranty yesizwe, imali yakho kufuneka ikhuselwe. Ukuhlawulwa ngokukhawuleza kuyona ndlela ikhethekileyo xa ukhe udala kwaye ufuna imali eqinisekileyo yokugcina ubomi bakho bonke.
Ukubuyiselwa kunye nokuLindelwa koMngcipheko woTyalo-mali oluNcinci
Akunangqondo ukulindela ukubuya okuphezulu ukusuka kwiindawo eziphantsi kotyalo-mali. Akukho sikhulu sakusihlwa kunye notyalo-mali olunikeza ukubuyiswa kwembuyekezo ephezulu kuza nezinga eliphezulu lokubeka ingozi. Ukuqonda ingozi ndicinga ukuba kunengqiqo ukulinganisa umngcipheko wokutshala imali kwizinga eli-1 ukuya ku-5, kunye neenhlanu ezikhethiweyo, kwaye enye iyinqununu ekhuselekile.
Utyalo-mali oluchazwe kuhlu apha ngasentla luza kubalwa njenge-1 okanye-2 kwinqanaba elinjalo.
Ngexesha lokuya kwiChoice engoMngcipheko
Utyalo-mali oluphantsi kwezona zinto zilandelayo:
- Awazi into enokuyenza ngayo ngemali okwangoku.
- Kungenxa yesikhwama sakho sexakeka.
- Ungadinga ukusebenzisa imali engaphantsi kweminyaka elishumi.
Ukuba utyalomali imali awuyi kuyidinga ukuyisebenzisa kwiminyaka elishumi ezayo unokufuna ukuqwalasela into enika ithuba lokubuya okuphezulu, okungathi kubandakanya ukuthatha umngcipheko owongeziweyo.
Inkqubo yokwakha iphothifoliyo kuthetha ukuba ukhetha ukubeka utyalo-mali ngamanqanaba ahlukeneyo mngcipheko ukwenzela ukuba basebenzisane kunye neenjongo ezifanayo.