Musa ukukhupha izinto ezincinci! Gcina iimali ezifumanekayo ngemali yengxamisekileyo.
Ukuhlala kuluntu olukhuthaza ukuchitha imali, kunokuba nzima ukukhumbula amandla okugcina. I-Cash, nangona kunjalo, idala amathuba okuchitha imali ayinakho. Ingxowa-mali yexakeka ngokukhawuleza yinkcazo yokugcina imali, kwaye ukuba nexabiso elifanelekileyo liyakushintsha ubomi bakho kube ngcono. Ngoba?
Xa kukho into engalindelekanga, i- fund yakho yongxamiseko ikhusela ezinye iimali-mali zangexesha elide.
Usebenzisa imali yakho yezoxinzelelo ukuze ungagqithisi kwi-akhawunti yomhlala phantsi (njenge-401 (k) okanye i-IRA) kwaye uhlawule irhafu yentlawulo yokurhoxiswa kwangaphambili , ngoko ke akudingeki ukuba uthengise utyalo-mali olude (njengempahla iimali zenkcazo okanye iimali ezidibeneyo zentengiso) ngexesha elibi.
Kwakhona, imali iyakubeka kwindawo yokuthenga xa wonke umntu efuna ukuthengisa, ekuvumela ukuba wenze imali ngexesha elihle nelibi. Ngenxa yeso sizathu, ndikhuthaza abantu ukuba babe "nethuba leengxowa-mali" kunye neengxowa-mali zexakeka. Ikhefu lekhefu lithengwa ngemali onokuyisebenzisa ekutyalomeni ngexesha elibi kwiivenkile okanye kwiimarike zamasheya.
Okokuqala, kufuneka ukhethe i-fund yakho yengxamisekileyo.
Ufanele Unjani Kangakanani KwiNgxowa-mali Yemali Ekhuselekileyo?
Okulungileyo: Kancinci, kufuneka ube neenyanga ezintathu zokuphila kweendleko kwi-fund yakho yengxamisekileyo. Oku kuthetha ukuba ufuna i-$ 3,000 ngenyanga ukugubungela iimfuno zakho ezisisiseko ezifana nekhredithi yakho okanye irenti, izibonelelo, igesi kunye nokutya, ngoko ufuna i-$ 9,000 kwingxowa-mali yakho engxamisekileyo.
Ingcono: Ukuba unabantu abaxhomekeke kuwe ngokwezemali, njengabantwana okanye iqabane lakho, i-fund yakho yengxamisekileyo kufuneka ibe neendleko zokuhlala kweenyanga ezintandathu, ubuncinci. Ukongeza, ukuba usebenza kumsebenzi onomvuzo ophezulu okanye izinga eliphezulu lokulimala, uzakufuna ukuphindwa kabini inani leengxowa-mali eziphuthumayo njengomntu osebenza kwiphepha eliqeshwe apho kukho ukukhawuleza okukhoyo.
Eyona ndlela ihamba phambili: Njengoko ulunge ngakumbi ekusindiseni, sebenzela ukuqokelela iinyanga ezili-12 zeendleko zokuphila kwi-akhawunti yokulondoloza. Ukuba ungumnikeli ophezulu wemvuzo uya kumngeni we-$ 100,000: Fumana i-$ 100,000 yokugcina imali efakwe kwi-investments ephephile. Abaninzi abafumana umvuzo abaphezulu banomuva wokufuna ukutshala yonke into-engabashiyi ixabiso lempahla elishiyekileyo ngenxa yezoxakeka okanye amathuba.
Kuphi na kufuneka Utyalole iNgxowa-mali Yakho Yemali?
Ufanele utyalole imali yakho yokugcina imali? Kwiakhawunti ekhuselekileyo, elula. Akukho kwiisitokisi. Kungekho kwinto enesiphumo sokurhoxisa okanye imiphumo enkulu yerhafu yokufaka imali kwi-In Making Making Investments , sinika imithetho emithandathu ekufuneka siyisebenzise ngokutyalomali ngokukhuselekileyo. Isibalulekileyo yesikhwama sakho esiphuthumayo kufuneka sibe yinto ephantsi yobungozi .
Ukukhuthazwa Ukugcina
Ukuba ufuna esinye isizathu sokugcina okungaphezulu, shicilela izizathu eziphezulu ezi-10 ezizantsi uze uzifake kwifriji yomnyango, faka ikopi kwidesksi yakho emsebenzini, okanye uyigcine kwimoto yakho.
Yifunde kaninzi, de ude uzive amandla ekheshi-kude ugcine uziva ungcono kwaye unamandla ngaphezu kokuchitha.
Izizathu ezili-10 eziphezulu zokuba ne-Akhawunti yeCash
- Ukhusela intsapho yakho xa ulahlekelwa ngumsebenzi
- Unika izibonelelo zempilo okanye ezinye zeengxaki zentsapho
- Ukunika ithuba lokuphinda uphumelele amathuba okutyalo-mali njengoko beza
- Ikunceda uxoxisane ngamanani aphantsi kwiintengo ezinkulu
- Ikugcina ekulahlekelweni kwemali kuba awuyi kudingeke uthengise ezinye iimali ngexesha lokuthengisa
- Ikuvumela ukuba ugweme izigwebo zerhafu ekufuneka ukhuphe imali ngaphandle kweakhawunti yomhlala-phantsi
- Ukunciphisa uxinzelelo, okwandisa impilo kunye nokuphila kakuhle
- Iphelisa iingxabano ezininzi zomtshato
- Udala umtya wokusebenzisa ukulungiswa kwimizi emikhulu
- Iyakunceda ukuba ulandele ukuthenga ngokuthengwa kweendleko zomnye umntu (umntu oswele kakhulu imali)
Ngaba Usadinga iNgxowa-mali yeNgxowa-mali yoKhuseleko xa usuhlala phantsi?
Emva kokuba uthathe umhlalaphantsi, ukuba uneminyaka engaphezu kwe-59 1/2 unako ukurhoxisa kwi-IRAs, 401 (k), 403 (b) kunye nezinye iintlobo ze-akhawunti yomhlalaphantsi; naziphi na ukurhoxiswa kuxhomekeke kwiirhafu zerhafu, kodwa kungabikho irhafu yentlawulo.
Abantu abaninzi bacinga ukuba ekubeni bangakwazi ukurhoxisa ekuthandweni, abasayi kuphinda bafumane i-fund yexakeka. Oku akunjalo.
Ngethemba ukuba ucebise uhlahlo lwabiwo lwabiwo-mali, kodwa ngokuqinisekileyo uya kulahleka izinto ezithile-kunye nokukhawuleza kuya kwenzeka. Iindleko eziqhelekileyo ezingabonakaliyo ndizibona zenzeke kumhlala-phantsi kukuba xa umntwana omdala umntu enenkxalabo.
Ngaphandle kokuthatha umhlalaphantsi, uya kufuna iimali ongazange uzibandakanye njengenxalenye yesicwangciso sakho somhlalaphantsi esisemthethweni, kwaye uya kufuna ukuba babekelwe bucala ngemali, xa kunjalo. Ukwakha olu hlobo lwe-akhawunti yokugcinwa kwemali ngenye yezinyathelo ezintlanu oza kuzithatha ukuthatha kwiminyaka emihlanu yomhlalaphantsi .