Ingakanani imali omele uyibeke eceleni?
Ubutyala imali engakanani kwi-akhawunti yakho yomhlala-phantsi ye-401k okanye i-IRA? Ipesenti ezilishumi? Ipesenti ezilishumi elinesihlanu? Ufuna imali engakanani ukubeka eceleni umhlalaphantsi?
Impendulo ixhomekeka kwindlela oza kuzuza ngayo kumhlalaphantsi wakho, ingeniso yokuqashisa, ukuhlawulwa kweentlalo, ukhuseleko lweNtlalo kunye nezinye iifom zokufumana umhlalaphantsi.
Ngenjongo yale nqaku, siya kuthatha ukuba awukho enye imithombo yokufumana umhlalaphantsi . Le ngcamango iza kusenza sikwazi ukugxila kuphela kwiminikelo yakho kwi- akhawunti yokugcina umhlalaphantsi.
Ekuqaleni uqala, ngaphantsi koko kufuneka ugawule
Njengolawulo lomtsalane, omncinane uqala, encinci yemali onokuthi ubaleke kunye negalelo. Makhe sijonge imizekelo.
Umzekelo 1
Masicinge ukuba uneminyaka engama-30, ufumana i-$ 50,000 ngonyaka, kwaye ufuna ukuthatha umhlalaphantsi kwiminyaka yobudala engama-65. Ufuna ukuhlala kuma-85 ekhulwini kwengeniso yakho engaphambili yerhafu ngaphambi kokuthatha umhlalaphantsi xa uhlala phantsi (okuyi $ 42,500 ngonyaka).
Ukuze ufinyelele umnqweno wakho, kuya kufuneka udibanise iqela leedari ezigidi ezingama-2 ezigidi (i-$ 2.06 yezigidi, ukuba ube ngokuchanekileyo) ngexesha lokuthatha umhlalaphantsi. Oku kunokuba ngathi kuninzi kodwa khumbula: iminyaka engama-35 ukususela ngoku, i-$ 2 yezigidi ziza kuba zixabisa ngaphaya kwe-$ 2 yezigidi namhlanje, ngenxa yokunyuka kwamaxabiso. Kwakhona, khumbula, ukuba imali ifuna ukuhlala ixesha elide-mhlawumbi iminyaka engama-35 ukuba uhlala u-100.
Ufikelela njani kwi-$ 2 yezigidi? Ukuba uneminyaka engama-30 ubudala kunye ne-$ 0 igcinwe, ngubani ofuna ukuhlala ngokulinganayo namanqaku angama-42,500 ngonyaka ngomhlalaphantsi, uya kufuneka ugcine i-$ 600 ngenyanga.
Oko kuthatha utyalo-mali kuma-70 ekhulwini, ama-25 ekhulwini, kunye ne-5 yeepesenti zemali, kwaye iimarike zenza ngokuqhelekileyo.
Umzekelo 2
Masicinge ukuba uneminyaka engama-40, ufumana i-$ 50,000 ngonyaka, ufuna ukuthatha umhlalaphantsi kwiminyaka yobudala engama-65 ubudala, unako ukugcinwa kwesantya, kwaye ufuna ukuhlala ngokulingana namanqaku angama-42,500 ngonyaka ngomhlalaphantsi.
Ngamanye amagama, sithatha into efanayo ngolu hlobo lweMboniselo 1, kunye nobudala bokuphela kweminyaka.
Ukusebenzisa iingcamango ezifanayo zokutshala imali njengoko senza kumzekelo ongentla, uya kufuneka ugcine i-$ 1,000 ngenyanga. Ngamanye amagama, elinde iminyaka elishumi ukuba uqale ukugcina imikhosi ukuba phantse umlinganiselo wesondlo sakho sokugcina ukuze ufikelele kwinjongo enye.
(Ukusebenzisa isethi enye yeengcamango, kodwa ukutshintsha uguquko ukwenzela ukuba uqale ukugcina kwiminyaka engama-20, kufuneka ugcine imali engama-$ 375 ngenyanga.Ukuba ulondoloze i-$ 1,000 ngenyanga ukususela kwiminyaka engama-20, uya kuba ne-8.4 yezigidi ngexesha lokuthatha umhlalaphantsi.)
Kutheni ukuhluka okunjalo?
Olu hlobo lubangelwa ngamandla enzala , apho uAlbert Einstein abiza ngokuthi "amandla amakhulu kunayo yonke indawo."
Inzala enomdla iyigama echaza intsingalo / inzuzo ekutsalweni kwakho okufumana inzala eninzi. Ngamanye amazwi, umdla uyakha ngokwakho. (Cofa kwikhonkco ngencazelo ecacileyo).
Uncinci xa usuqala ukugcina, ixesha elongezelelweyo lokutsalwa kwetyala lwakho lungahlanganiswa. Ukuba ulinde uze udala, kufuneka ugcine ngaphezulu ukuze uhlawule ixesha elilahlekileyo.
Ubala njani loo nto?
Sabala le nto usebenzisa i- Plidelity Investment's My Plan Plan online.
Ngokuthayipha ubudala bakho, ubudala bakho bokuthatha umhlalaphantsi, isitala sakho sokutyalomali, kunye nemali oyilondolozile, i-calculator iya kuqikelela ukuba ungayilondoloza kangakanani ngenyanga ukwenzela ukufikelela kwiinjongo zakho zokugcina umhlala-phantsi . Njenge-disclaimer, lo mzekelo wokubala umzekelo unikezela kuphela umphumo okhohlakeleyo ongenakufanele usebenze okanye uthembele kuwo.
Ingaba kukho imigaqo yesithupha?
Nazi izikhokelo ezi-4 zokukunceda ukuba unqume indlela ongayilondoloza ngayo umhlalaphantsi :
Ukukhulisa umlingani wakho womqeshi .
Ukuba umqeshi wakho ulinganisa umnikelo wakho wokuthatha umhlalaphantsi, sebenzisa ngokugcwele umdlalo-nokuba ngaba unetyala eliphezulu . Inkokhelo yamatyala ekhredithi ingakhokhela ipesenti ezingama-25 kumdla; umdlalo wenkampani unika i-50 - 100 ekhulwini eliqinisekileyo "ukubuyela."
(Ngumlingani wenkampani? Masithi umphathi wakho we-chips kwi-50 cents kwi dollar ngayinye oyifakayo, ukuya kwisixa esithile.
Oku kubizwa njengomdlalo wenkampani. Uza kufumana i-50 ekhulwini "ukubuyela," ngoko kuthetha, ngemali yakho, kuba yonke i-$ 1 utyalomali ngokuzenzekelayo iba yi-$ 1.50.)
Yingakho ukugcina umhlala-phantsi kufuneka kube yinto ephambili kuyo, nokuba phezulu kunokuba uhlawule ngetyala lekhadi lekhredithi okanye ukuhlawula iikholeji yabantwana bakho.
Gqiba iiprogram kunye ne-con yeR R kunye nemveli
I- akhawunti ye- Roth "Roth" yomhlalaphantsi , njengeRoth 401k kunye neRoth IRA, ikuvumela ukuba uncedise imali yentela emva kwentlawulo. Uhlawula irhafu kwingeniso yakho ngoku, kodwa ugwema irhafu xa uyayikhupha umhlalaphantsi, kubandakanywa irhafu kwimali eyinzuzo.
Ii- akhawunti zomhlalaphantsi zendabuko , njenge-401k yendabuko eyenziwa ngabaqeshi abaninzi, ikuvumela ukuba unikele ngeedola zerhafu. Uyakuphepha ukuhlawula irhafu ngoku, kodwa uhlaselwa ngumrhumo werhafu ngomhlalaphantsi.
Ubudala bakho, ingeniso, kunye neengcamango malunga namanqanaba entlawulo ekhoyo kunye namasasa ziya kugqiba ukuba ingaba iRoth kunye nokusekwa kwendabuko kukulungele. Funda kabanzi malunga ne-akhawunti yeRoth yomhlalaphantsi, uthetha ngutitshala werhafu, kwaye unike ingqalelo ngokucokisekileyo. Umrhumo wakho weerhafu ngowenye yeendleko ezinkulu oza kuba nazo-ngokuhambelana nomrhumo wakho wemali-mboleko- ke uhlawulela ukuba uqwalasele ngokucokisekileyo isicwangciso sakho serhafu xa ucwangcisa umhlalaphantsi .
Ukwandisa ipesenti yakho ngokweminyaka elishumi uqala ngayo
Akukho mgaqo omnye malunga nepesenti yengeniso yakho omele uyibeke eceleni. Ipesenti iyahluka ngokusekelwe kwiminyaka apho uqala ukuyigcina.
Ukuba uneminyaka engama-20 ubudala, thola i-$ 50,000 ngonyaka, kwaye gcina ipesenti ezi-10 zemali yakho engenayo- $ 5,000 ngonyaka-kwi-akhawunti yomhlalaphantsi, uya kuba ngaphezu kweenjongo zakho zomhlalaphantsi.
Kodwa ukuba uneminyaka engama-30 xa uqala ukugcina, iipesenti ezili-10 aziyi kukwanela. Uzakufuna ukugcina i-15 ekhulwini yengeniso yakho (malunga ne-$ 7,200 ngonyaka) ukuhlangabezana neenjongo zakho zomhlalaphantsi .
Ukuba uqala kwiminyaka engama-40, kuya kufuneka ugcine iipesenti ezingama-24 zengeniso yakho, okanye i-$ 12,000 ngonyaka, ukuze ufinyelele injongo yakho.
Qala kwiminyaka engama-50 ubudala, kwaye uya kufuneka ugcine ingxenyeni yakho engenayo- $ 2,000 ngenyanga, okanye i-$ 24,000 ngonyaka-ukuze ufinyelele injongo yakho.
Musa ukuthatha umngcipheko ongaphezulu ukuze uhlawule ixesha elilahlekileyo
Ukuba uqalise ukulondoloza umhlalaphantsi kamva ebomini, unokulingwa ukuba uthathe utyalo-mali olongezelelweyo ukuze uhlawule ixesha elilahlekileyo. Musa ukwenza oku. Ingozi yindlela yesibini: ungase uzuze omkhulu, kodwa unokulahlekelwa ngaphezulu. Kwaye emva kwexesha elizayo, unesihlandlo esincinane sokufumana ukulahleka.
Indlela kuphela yokuhlawula ixesha elilahlekileyo kukugcina ngaphezulu.