Funda Ngakanani Ubungenako Ukulondoloza Umhlala-phantsi kwi-30 yobudala
Ukuba uneminyaka engama-20 kwaye uqala ukuqala ngesicwangciso sakho sokulondoloza umhlala-phantsi isiqhelo esona sihlandlo esiqhelekileyo sihlala sisindise kangangoko kunokwenzeka. Kodwa unokuba ukhangela indlela engcono yokulandelela inkqubela yakho ngokuhamba kwesikhathi.
Nazi ezinye izikhokelo eziqhelekileyo ongazisebenzisa ukucacisa ukuba kufuneka ufumane kangakanani kwiakhawunti yakho yomhlalaphantsi ngo-30 ubudala:
Sebenzisa iimpawu zokunceda ukulandelela inkqubela yakho ekuhambeni kokuzimela kwezoqoqosho.
Ukunyaniseka kuqhube isifundo sokuqikelela ukulungiswa komhlalaphansi okulinganayo kwiminyaka ethile. Ukuze banyuke kwiminyaka engama-67 ubudala, baqikelela ukuba ngaba uya kulufuna kangakanani ukugcina ukugcina ubomi bakho bukhululekile ngexesha lakho lomhlalaphantsi. Ukunyaniseka kukukhuthaza ukuba ufumane imali engama-1 umvuzo wakho kwiminyaka engama-30. Ingqiqo eyakhelwe kuloo qi kelelo kukuba ulondoloze ubuncinane iipesenti ezili-15 zengeniso yakho ngamnye ngonyaka oqala kwiminyaka engama-25, utyalomle ngaphezu kwesigamu sokulondoloza kwakho kwisilinganiso kwimpahla kwikota yobomi bakho, uthathe umhlalaphantsi kwiminyaka eyi-67, kwaye uceba ukugcina impilo yakho yangoku.
Funda indlela ukugcina imali yakho yokulinganisa ngayo namanye amaqela.
Ukuze uphume umhlala-phantsi kwiminyaka yobudala engama-67 usebenzisa i-set of same suggestions, uya kufuna ukuba ufuna ukufumana umvuzo wakho umhlalaphantsi. Nazi ezinye iziphakamiso zeeminyaka ezahlukeneyo.
Ukuthatha umhlala-phantsi Ukugcina ama-Benchmarks ngo-Age kunye nezinto zokugcina
| Ukuba Ubeminyaka bakho ... | Ukugcina imali yakho yomhlala-phantsi ukuba "kwindlela" yokuthatha umhlalaphantsi @ 67 kufuneka ube malunga ... |
| 30 | Iimali ezi-1 zakho zonyaka |
| 35 | 2 izihlandlo zakho zonyaka |
| 40 | Amaxesha ama-3 wakho ngeniso yonyaka |
| 45 | Amaxesha amane okufumana imali yonyaka |
| 50 | Amaxesha angama-6 wakho ngeniso |
| 55 | Amaxesha angama-7 wakho ngeniso |
| 60 | Amaxesha angama-8 wakho ngeniso |
| 67 | Amaxesha angama-10 wakho ngeniso |
Umthombo: Utyalo-mali
Ezinye iziphumo zokuthatha umhlalaphantsi:
Ixabiso leT. Rowe lithatha indlela eyahlukileyo xa kubalwa amanqaku okugcina umhlalaphantsi. Ukusebenzisa inkqubo yabo yokubeka uphawu, umntu oneminyaka engama-30 ubudala uya kuqwalaselwa ngendlela ukuba wayilondoloze isigqibo semvuzo wabo wonyaka.
Isikhokelo se-JP Morgan Asset Management sika-2018 se-Retirement isebenzisa inkqubo efanayo yokulinganisa kunye neemeko ezinxulumene nengeniso ebalulekileyo yentsapho. Oku kubaluleke kakhulu kuba ixabiso lokutshintshwa kweentlawulo zoLuntu loKhuseleko loLuntu ngokubanzi liphezulu kumakhaya aneengeniso eziphantsi. Kuthetha ukuthini ukuthini ukugcinwa komhlala phantsi? Xa ufumana iipesenteji ezingaphantsi zomvuzo wakho uya kuthatyathwa yiNtlalo yoKhuseleko. Ngenxa yoko, izinto zokugcina umhlalaphantsi zikhula ngokunyuka ngokusekelwe kule nkcitho yokwanda.
Ngokomzekelo, umntu oneminyaka engama-30 ubudala kunye ne-$ 50,000 yengeniso yonyaka yonyaka (phambi kwentela kunye nokulondolozwa) kuya kuba "kwindlela" kunye nama-0.3 amaxesha angeniso yabo (i-$ 15,000) egcinwe kwiakhawunti yomhlalaphantsi. Ukuba ingeniso yabo yonyaka ingama-$ 100,000 imali yokugcina imali ihlahlela kumaxesha a-1.2 amavuzo abo (i-$ 120,000) ukuba ithathwe "kwindlela".
I $ 50,000 - 0.3 amaxesha angeniso |
$ 75,000 - 0.9 amaxesha angeniso |
$ 100,000 - 1.2 amaxesha angeniso |
$ 150,000 - 1.7 amaxesha angeniso |
$ 200,000 - amaxesha angama-2.1 engenayo |
$ 250,000 - amaxesha angama-2.4 engeniso |
Amawaka angama-300,000 - 2.5 amawaka |
Umthombo: Ulawulo lwe-JP Morgan Asset Management
Yintoni ongayenza ukuba awukho okwangoku?
Ukuba ukugcinwa kwakho komhlalaphantsi okwangoku kungaphelelanga kwezi zihlandlo, ungakhathazeki. Kukho amanyathelo abalulekileyo ongayithabatha ukuze ufumane isicwangciso sakho endleleni. Okokuqala, gxininisa kakuhle impilo yakho yonke kunye nezinto olawulayo kubomi bakho bezezimali. Ukwakha isiseko sakho semali kaninzi kuthetha ukuseka imali engxamisekileyo, ukuhlawula ityala eliphakamileyo, kunye nokugcina ubuncinane kwisicwangciso sakho somhlala-phantsi ukuba uthathe nayiphi na imali ehambelana nemali.
Emva koko, misela ukuba ungaphila. Abaninzi bamacwangcisi bemali batusa ukugcina phakathi kweepesenti ezili-10 ukuya kwi-20 ekhulwini yengeniso yakho ngonyaka ngomhlalaphantsi. Hlalani nikhumbule ezi zibonakaliso nje kwaye azibandakanyi kwizicwangciso zakho zemali.
Ukuthatha inxaxheba kwiinkqubo zokunyuka kwezinga lokuzenzekelayo ezinikezelwa ngumqashi oxhaswe ngumhlala-phantsi ngumnye indlela enhle yokwenza igalelo elincinci liyakwandisa ixesha elingakunceda ukuba ungene kwizithuba zokugcina imali.
Eyona ndlela efanelekileyo yokufumanisa umlinganiselo wakho wokugcina umgangatho wokugcina umhlalaphantsi . Kubaluleke ngakumbi ukuba uthembele kwiingqikelelo ezongezelelweyo zomhlalaphantsi ukuba awuyi kuceba ukuhlala phantsi kwiminyaka engama-60. Oku kubangelwa ukuba amanqaku amaninzi okucwangcisa umhlalaphantsi asebenzisa umhla wokuqalisa umhlala-phantsi wama-65 okanye wama-67 ekuqikelelwa kwawo.
Nangona ungafanele uthembele kumabhenkethi kuphela ukulinganisa inkqubela yakho yokugcina umhlala-phantsi, banikezela izikhokelo ezinokuncedisa ezinokukunceda ngexesha lokuqala lokuphila kwakho.