Funda Ulawulo olu-25 kunye noMthetho we-Percent
Ulawulo "oluphindaphinda ngo-25" kunye ne "4 Percent" lawulo luhlala ludideke omnye komnye, kodwa luqulethe udidi olubalulekileyo: lukhokelo olulandelayo ukuba lufanele ulondoloze kangakanani, ngelixa elinye liqikelela ukuba unokukhupha ngokukhuselekileyo kangakanani.
Masiqwalasele ngokukrakra kwi ngasinye sazo ukuze ucoceke kuzo zombini.
Yandisa ngo-25
Ukunyuka kwama-25 Ulawulo luqikelela ukuba uninzi lwemali oyifunayo kumhlalaphantsi ngokuphindaphinda umvuzo wakho wonyaka owufunayo ngowama-25.
Umzekelo: Ukuba ufuna ukurhoxisa i-$ 40,000 ngonyaka ukusuka kwiphothifoliyo yakho yomhlalaphantsi, udinga i-$ 1 yezigidi zeedolali kwipotifoliyo yakho yomhlalaphantsi. ($ 40,000 x 25 ilingana nezigidi eziyi-1.) Ukuba ufuna ukuhoxisa i-$ 50,000 ngonyaka, udinga i $ 1.25 yezigidi. Ukurhoxisa i-$ 60,000 ngonyaka, udinga i-$ 1.5 yezigidi.
Lo mgaqo-we-thumb uqikelele imali onokuyihoxisa kwi-portfolio yakho. Ayifuni enye imithombo yokufumana umhlala-phantsi, njengamanye amapensheni, izakhiwo zokuqashisa , ukuKhuseleko lweNtlalo , okanye enye ingeniso.
Kutheni le nto? Lo mgaqo-we-thumb ucinga ukuba uya kuba nakho ukuvelisa ukubuyela kwangempela kwe-4 kweepesenti ngonyaka. Kucinga ukuba iifaki, ngaphezu kwexesha elide (iminyaka eli-15 ukuya phezulu okanye ngaphezulu), ziya kuvelisa i-return annual annualized 7%. Imali ye-Investren uWarren Buffet uqikelela ukuba i-stock market yemarike yase-United States iza kufumana ama-7 ekhulwini kwixesha elide elizayo emva kweeminyaka embalwa ezayo.
Okwangoku, ukunyuka kwamaxabiso kudala ukuphazamisa ukubaluleka kwedoli kuma-3 ekhulwini ngonyaka.
Kuthetha ukuba "ukubuyela kwangempela" - emva kokunyuka kwamaxabiso - kuya kuba malunga neepesenti ezingama-4.
4 Ipesenti
I-4 Percent Rule idla ngokudibanisa kunye ne-Multiply by 25 Rule, ngenxa yezizathu ezicacileyo-i-4 Percent Rule, njengokuba negama layo lichaza, ibuye ibuye i-4 pesenti yokubuya.
I-4 Percent Rule, nangona kunjalo, ikhokela ukuba kufuneka uhoxise kangakanani ngonyaka emva kokuba uthathe umhlalaphantsi.
Njengoko igama lithetha, lo mgaqo wesohlwayo uthi ufanele uhoxise iipesenti ezi-4 zephothifoliyo yakho yomhlala-phantsi kunyaka wokuqala.
Umzekelo, uthatha umhlalaphantsi nge $ 700,000 kwipotfolio yakho. Ngonyaka wokuqala wokuthatha umhlalaphantsi, uhoxisa i-$ 28,000. (I-$ 700,000 x 0.04 ilingana ne-28,000 $.)
Unyaka olandelayo uhoxisa umlinganiselo ofanayo, ulungelelaniso lwexabiso lentengo. Ukucinga ukuba i-3% yexabiso lentengo, kufuneka uhoxise i-$ 28,840. (I-$ 28,000 x 1.03 ilingana nama-28,840 ayi-$.)
Umlinganiselo wama-28,840 wama-$ angama-4 ekhulwini kwipotfoliyo yakho eseleyo, ngokuxhomekeka kwindlela iimarike ezishintsha ngayo xa unyaka wokuqala wokuthatha umhlalaphantsi. Ungakhathazeki malunga noko - kufuneka ubale iipesenti ezine kuphela. Isikhokelo sithi ufanele uhoxise ama-4 ekhulwini kunyaka wakho wokuqala wokuthatha umhlalaphantsi, kwaye uqhubeke uhoxisa umlinganiselo ofanayo, ulungelelanise ukunyuka kwamaxabiso, kunyaka ngamnye emva koko.
Yintoni eyahlukileyo?
Ukuphindaphinda ngo-25 Ulawulo luqikelela ukuba luya kufuna ntoni kwi-portfolio yakho yomhlalaphantsi. Umthetho oyi-4 Percent uqikelele ukuba kufuneka uhoxise kangakanani kwiphothifoliyo yakho emva kokuba uthathe umhlalaphantsi.
Ngaba loo Mithetho ichanileyo?
Ezinye iingcali zigxeka le mithetho njengobungozi kakhulu. Akunangqiqo ukulindela ukubuyela kwixesha elide elidlulileyo kwi-7%, bathi, abahlala kumhlala-phantsi abagcina amaninzi kwiipotfoliyo zabo kwizibophelelo kunye nemali.
Abantu abafuna indlela ekhuselekileyo yokukhetha i-Multiply by the Rule 33 kunye ne-3 Percent Rule.
Ukuphindaphinda nge-33 kuthatha ukuba uya kuba "yinyani" yokubuya - emva kokunyuka kwamaxabiso - ama-3 ekhulwini. Oku kufaka iipesenti ezi-6 zexesha elide elizuziweyo ngonyaka, kunciphise ixabiso lentengo ye-3%.
I-3 Percent Rule advocate ihoxisa ama-3 ekhulwini kwipotfoliyo yakho kunyaka wokuqala wokuthatha umhlalaphantsi. Umntu ophethe i-portfolio ye-$ 700,000 uza kuhoxisa i-$ 21,000 engama-1 000 ngonyaka wokuthatha umhlalaphantsi, ukulungelelanisa ukunyuka kwamaxabiso ukuya kuma-21,630 kwinyanga yesibili.
Abanye bayayichitha le ndlela njengento eqhelekileyo, kodwa abanye bathi bafanele abahlala phantsi namhlanje abahlala ixesha elide kwaye bafuna amanqanaba afanelekileyo omngcipheko kwiipotfoliyo zabo.
Ngaba kufuneka Ulungelelanise Imveliso?
Nanku umbuzo obalulekileyo wokulandelelana: Ngaba kufuneka ulungelelanise la manani ngokunyuka kwamaxabiso, ngakumbi ukuba uneminyaka engamashumi emibini kude nomhlalaphantsi?
Ewe. Nasi "isishwankathelo esiphuthumayo":
- Ukuba uneminyaka eyi-10 ukusuka kumhlalaphantsi, phinda ngo-1.48.
- Ukuba uneminyaka eyi-15 ukusuka kumhlala phantsi, phinda ngo-1.8.
- Ukuba uneminyaka engama-20 ukusuka kumhlalaphantsi, phinda ngo-2.19.
- Ukuba uneminyaka eyi-25 ukusuka kumhlalaphantsi, phinda ngo-2.67.
Makhe sicinge ukuba ufuna ukuhoxisa i-$ 80,000 ngonyaka ukusuka kwiphothifoliyo yakho yomhlalaphantsi, kwaye uneminyaka engama-25 ukusuka kumhlalaphantsi. Yandisa i $ 80,000 x 2.67 = $ 213,600. Yinjongo yakho yokuguqula intengo.