UkuCwangciswa koMhlala-phantsi kusekelwe kwiingcamango
Ngundoqo, ukucwangcisa umhlalaphantsi kusekelwe kwiingcamango. Kufuneka uqikelele ukuba uza kuhlala ubude buni, luhlobo luni lwexesha elide elibuyiselwayo kwimakethe ye-stock market iya kuvelisa, yiziphi iindleko zakho "eziyimfuneko" ezinjengeentlawulo zezonyango okanye ukunyamekelwa kwexesha elide kuya kuba, kwaye yiphi indlela ophila ngayo onethemba lokuba ukufumana. Zonke zinzima kakhulu kunzima ukuqikelela.
Kuya kufuneka ukuba uqikelele malunga naluphi ubudala oyayeka ukusebenza. Abaninzi abaselula bayabhala ukubaluleka kokulondoloza umhlalaphantsi ngokuthi "Ndiyayithanda umsebenzi wam, ngoko ndiya kusebenza de ndibe ngu-70."
Kodwa akusiyo yonke into yokuthatha umhlalaphantsi iyimfuneko yokuzithandela. Abantu abaninzi abaselula bayayithatha ingqalelo kwimpembelelo yabo kwimpilo yabo yokukwazi ukusebenza. Kwaye abaninzi abanempilo eneminyaka engama-60 bafumana ukuba bebekwe bucala kwixesha apho uqoqosho lubuhlungu. Abahluphekileyo abadala bafumana umqeshi ozimisele ukuqesha nokuqeqesha.
(Funda kabanzi malunga nemida yomhlalaphantsi .)
Ukulingana okubi
Nasi isikhokelo esheshayo sokuqikelela ukuba uzakufuna phi xa ususa umhlalaphantsi:
Inyathelo 1: Okokuqala qwa lasela ukuba ungathanda ukuchitha ixesha elingakanani kunyaka owenziwe. Ekubeni wenze uhlahlo lwabiwo-mali kwaye uyazi ukuba zindleko zakho zonyaka, kufuneka ube neengcamango ezilungileyo malunga nokuba uchitha ixesha elingakanani.
Khumbula ukuba ezinye zeendleko zakho zangoku aziyi kuphinda zifuneke kumhlala phantsi - umzekelo, indlu yakho inokuhlawulwa ngokupheleleyo.
Kodwa uya kuba neendleko ezintsha. Imilinganiselo yakho yomshuwalense wemoto iya kuphakama xa uba ngumntu ophezulu. Unokudinga ukuphinda uhlaziye ikhaya lakho ngokusekelwe kumqobo okanye ukukhubazeka. Unokufuna ukukunceda ukuthumela abahlohli bakho kwikholejini. Kufuneka unakekele umntwana okhubazekile. Unokufuna nje ukuhamba ngaphezulu.
Inyathelo 2: Yandisa inani oza kuyidinga ukuyichitha kunyaka onikezelweyo - iindleko zakho zonyaka - ngo-25 ukuya ku-33. Olu luhlu lubonisa inani elibi eliya kuyidinga xa ususa umhlalaphantsi.
Umzekelo, ukuba ufuna i-40,000 zama-$ ukuze uhlawule iindleko zokuphila kwakho ngonyaka, uzakufuna i-$ 40,000 x 25 = $ 1 yezigidi ukuba uthathe umhlala-phantsi njengomlinganiselo olinganiselayo, okanye i-$ 40,000 x 33 = i-$ 1.32 yezigidi njengengqikelelo engaphezulu.
Kutheni ukwandisa ngo-25 ukuya ku-33? Kucinga ukuba imali yakho iya kufumana i-"yangempela" ukubuya - emva kokunyuka kwamaxabiso - ama-3 ekhulwini (ukuphindaphinda nge-33) ukuya kuma-4 ekhulwini (ukuphindaphinda nge-25).
Kutheni Sifumana Oko?
Umtyalomali weendwendwe uWarren Buffet uthe ukulindele ukuba ukukhula kwexesha elide leempahla ze-US ukuya kumyinge wexesha elide elingama-7 e-year, ngoko ke imetriki efanelekileyo ukuyisebenzisa xa uqikelele ukuba ubuninzi beefowenu zizobuya . Izinga lokunyuka kwamaxabiso e-US liye lahlala lizinzileyo malunga neepesenti ezingama-3 ngaphezu kwexesha elide, ngoko ke oko kuyindlela efanelekileyo yokusebenzisa.
Ngokusekelwe kulawo manani, ukubuya kwakho "okwenene" bekuya kuba ngamaphesenti angama-7 ngaphantsi kwepesenti ezi-3, okanye iipesenti ezi-4. Ekubeni awuyi kuba nayo yonke imali yakho kwimali ye-stock - uya kuba utyalo-mali olukhuselekileyo njengama-bonds kunye nemali-ndiyathanda ukusebenzisa iipesenti ezi-3 "ukubuya kwangempela" kweetriki.
Funda kabanzi malunga nemibandela ebalulekileyo, imithematika yomhlalaphantsi wesithandathu .
Iimpawu ezingenayo kule nkqubo
Nangona kunjalo, oku kufuneka kusetyenziswe nje njengesikhokelo esibi. Abanye abathathe umhlala-phantsi bafumana ukuba bachitha imali eninzi kwiminyaka embalwa yokuqala yokuthatha umhlalaphantsi xa benempilo namandla okuhamba phesheya kwezilwandle, ukuphucula ikhitshi yabo, ukuthenga isikebhe kunye nokujoyina iqela le-tennis. Njengoko ixesha lihamba, amaxesha athile abahlala phantsi bathatha inxaxheba kwimisebenzi embalwa, ebangela ukuba bachithe ngaphantsi.
Ngaphezu koko, kunzima ukuqikelela ukuba iirhafu zakho zerhafu, irhasi kunye nombane okanye amanzi kunye namanqanaba okuthuthwa kwamanzi aza kuba ngamashumi emashumi ukususela ngoku. Kwakhona akunakwenzeka ukuba uqikelele ukuba uza kunikwa njani i-Medicare okanye i-Social Security, ngokukodwa ukuba uneminyaka engama-20 okanye i-30.
Umgca wokubaluleka kukuba kubalulekile ukuba unyuke kwaye ulungelelanise njengoko uneminyaka yobudala.
Ukuba uqoqosho luba nzima xa ufumana utyeshelwe kwiminyaka engama-59 ubudala, ukuba impilo yakho iyancipha okanye ukuba ixabiso lamagesi kunye namandla kagesi, uya kududuza ngexesha lakho lokudala ngokunyaniseka ukuba unesixhobo esinobukhulu okanye ukhuseleko lokubuyela phambili.
Esi sizathu esona sizathu sokuba ndikukhuthaze ukuba uqikelele ukuba uzakufuna umhlalaphantsi kangakanani-nokuba uthanda umsebenzi wakho kwaye awufuni ukuyeka ukusebenza.