Ndiyazi ukuba ndifuna ukugcina imali nyanga nganye, kodwa yintoni endiyenzayo na? Ndingayilungiselela njani phambili imali yam yokugcina?
Impendulo:
Kuqhelekileyo ukufumana iingcebiso zokubeka imali ekugcinweni, kodwa abantu abaninzi abazi ukuba bahambe kuphi. Kubalulekile ukuba imali oyilondolozayo inenjongo ethile, kuba ngoko unokufumana indlela engcono yokwenza loo mali ikhule kwaye iqale ukudala ubutyebi.
Ngaphambi kokuba ugxininise ekugcineni imali, kufuneka uphume kwetyala, ekubeni ixabiso lentengo kumakhadi-mboleko, kunye nezinye iimali-mboleko kunye nokuphakama kunama-akhawunti agcino. Ukusekwa inkqubo yenkxaso ejolise kwiinjongo zakho zemali iza kunceda ukuba ube ngcono ekugcineni imali.
Gxininisa kuMhlalaphantsi
Okokuqala, kufuneka usebenze ekusindiseni ipesenti ezilishumi elinesihlanu zomvuzo wakho kumhlalaphantsi. Unako ukwakha kule nto ngokuthe ngcembe, ngokuphakama kwentlawulo, kodwa iipesenti ezilishumi elinesihlanu ziya kukunceda ukuba uthathe umhlalaphantsi ngokukhawuleza. Nika kumdlalo womqeshi wakho kwi-401 (k), kwaye ngoko unako ukukhupha iRoth IRA ngokubanzi. Ukuba usenokuba negalelo lokuphindaphinda kwi-401 yakho (k). Iminikelo yakho iya kwandisa ngaphezu kwexesha. Xa usemncinci, uya kufuna ukukhetha ukhetho oluninzi olutshisayo lweeakhawunti zakho zomhlala-phantsi, kodwa uya kufuneka uzitshintshe ezo zikhetho ezingakumbi xa unokusondela kumhlalaphantsi.
Londoloza iNgozi
Njengoko ukwandisa imali oyibekayo kumhlalaphantsi, kufuneka ugcine ingxowa-mali yongxamiseko yeenyanga ezintandathu ukuya kwiindleko zonyaka. Oku kufuneka kufakwe kwi-akhawunti yokugcina imali yemarike okanye iSatifikethi seDisposithi, ukuba izinga liphezulu ngokwaneleyo. Ekubeni le mali yinkxaso yakho yexakeka ngokukhawuleza kufuneka ibe lula ukuyifumana ukuba uyayifuna.
Ingxowa-mali yakho yokukhawuleza kufuneka isetyenziswe kwiziganeko ezinkulu zemali ezifana nokulahlekelwa ngumsebenzi. Kufuneka udale uhlahlo lwabiwo-mali oluya kubeka bucala imali yokulungiswa kwekhaya kunye nemoto. Ukuba ungumqeshwa oziqheliselayo okanye omnye umvuzo wendlu, kulunge ukuba ube neendleko zeendleko ezigcinwe kunyaka. Oku kuya kunika ngaphezulu kwendawo yokucoca ukuba unokwenziwa.
Iinjongo zexesha elide kunye elifutshane
Emva kokuba ube neengxowa-mali zakho zexakeka kwaye kufuneka uqale ukugcina ezinye iinjongo . Ukuba awunayo indlu okwamanje, kufuneka ugcine imali yokuhlawula ekhaya. Ungasindisa kwakhona kwimoto entsha, okanye ngeeholide zakho. Ngokulondolozela ezo zithengi, uza kusindisa imali kwinzala kwaye ukhulule enye yengeniso yakho ukuze wenze oko ufuna. Unokwazi ukulandelela ubuninzi obunakho kwisigaba ngasinye sokulondoloza ukuze wazi ukuba sele ufikelele kwiinjongo zakho. Izinto eziphambili kwezi njongo kufuneka zithembele kwiimeko zakho kunye nalapho uhlala khona. Ukuba ufuna ukuthenga indlu entsha kwiminyaka embalwa ezayo, ngoko kufuneka ukuba kuqala. Nangona kunjalo, ukuba uthe watshata ngokukhawuleza, ke ukugcina ixesha lakho lokutshata liza kuqala. Ingcinga efanelekileyo yokugcina iindleko zakho ezinkulu ukuba ingaba i-remodel yekhaya okanye iholide yokuphupha.
Qalisa ukuTyala imali yokwakha ubutyebi
Ukuba unomdla wokwakha ubutyebi , unokubeka imali eyongezelelweyo kwinyanga nganye kwaye uqale ukutshala imali kwimarike yemasheya. Xa utyalo-mali kwimarike ye-stock market kubalulekile ukuqonda ukuba lixesha elide. Iimali zengxowa-mali yindlela elula kakhulu yokutshala imali, kuba zisasaza ingozi kwiimpahla ezininzi ezahlukeneyo. Amafemu amaninzi e-brokerage avumela ukuba uthenge iimali eziziimali ngaphandle kokutyalomali oluphezulu xa uzimisele ukwenza umrhumo ozenzekelayo ngenyanga. Khangela iimali kunye nembali yokukhula kakuhle. Njengoko usebenza ukwakha ubutyebi, kubalulekile ukuba neenjongo engqondweni ngale mali. Kungenzeka ukuba uthathe umhlalaphantsi kusasa, ukwazi ukukunceda abantwana ngokusebenzisa ikholeji okanye kwikhaya lekhefu lekhefu. Unokufuna ukushiya ilifa elihle kubantwana bakho.
Umntu ngamnye uya kuba nezinto eziphambili kwizinto eziphambili, kodwa kungakhathaliseki ukuba zeziphi izinto eziphambili zomhlalaphantsi kunye neengxowa-mali zakho eziphuthumayo ziya kuqala.
Emva koko ungagxila kwezinye iinjongo zakho ubuncwane bokwakha. Inokukunceda ukuba ube nesicwangciso esiqinileyo phambi kwakho. Emva kokuba uqwalasele izinto eziphambili, ungenza ishati okanye usebenzise iphepha elikuvumela ukuba ulandele inkqubela yakho kwiinjongo zakho.