Indlela enamandla kunazo zonke kukunyusa amandla akho okufumana kunye neengeniso. Ukuphakanyiswa kwe-5% yonyaka, okanye ukuphakanyiswa okukufumana inzuzo ye-20%, kuya kwenza ukuba ukunyuka kwamaxabiso kungabalulekanga. Nangona kunjalo, ukuba loo nto ayinayo inketho, okanye ufumane imali engenayo okanye umhlala phantsi, kufuneka uhlole ezinye iinketho.
Indlela efanelekileyo yokukhusela imali yakho yokugcina imali kukutyalomali kwimakethe yemasheya . Ibuyele malunga no-10% ngaphezu kwexesha. Kungakhathaliseki ukuba kuya kwenza njalo kwikamva, kwaye kukho umngcipheko.
Ukuba ukhangele indlela ekhuselekileyo yokuzikhusela kwimali yokunyuka kwamaxabiso, qwalasela ezi zixhobo ezimbini ezintle onokuzithenga kwi- Treasury yase - US . Njengamaxesha onke, qhagamshelana nomcebisi wakho wezezimali ngaphambi kokuba wenze nayiphi na isigqibo sezimali ukuqinisekisa ukuba oku kuhambelana neenjongo zakho.
IINKCUKACHA : Enye indlela yokukhusela iphothifoliyo yakho kwimali yokunyuka kwamaxabiso i-TIPS - i- Treasury Inflated Protected Securities . Ezi zihlawulela umyinge onomdla. Nangona kunjalo, ngokuphindwe kabini urhulumente ulungisa kwakhona inqununu ngokuphendula utshintsho kwiNkcazo yeNtengo yabathengi , njengoko ipapashwe rhoqo ngenyanga yi- Bureau of Labor Statistics .
Oku kuthetha ukuba, njengoko ukunyuka kwamaxabiso kukhula, ixabiso lentengo liyakhula. Nangona izinga lesenzalo alinyuli, abanikazi bafumana inkokhelo enkulu yemali kuba ipesenti iyasetyenziswa kwinqununu enkulu.
I-TIPS ziqhuba kakuhle ngexesha lokunyuka kwamaxabiso, kodwa zibi ngakumbi ngexesha lokungabikho kwamanani emali okanye ukuzinza. Nangona kunjalo, ngaphezu kwexesha elide, abakwenziyo kunye neepotifoliyo ezihlukeneyo ezibandakanya izitokethi .
I-Series I Iimali : I- Series I Bonds , okanye I-Bond ngcaciso emfutshane, inikeza inani eliqinisekileyo lokubuyisela eligcina ubomi bentambo. Kuye kwachaphazeleka ngumlinganiselo oguqukileyo okhokhelwe kwi-CPI, kwaye ubuyiselwa kwakhona ngoNovemba noMeyi. Ukubuyiselwa kwakho ukufumana ubophelelo luyinxalenye yezinga elimisiweyo kunye nezinga lokuguquguquka okwenzekayo ngelo xesha. Ukufumana ukubuya kwebhanki nganye, uye kwi-Savings Bond Calculator yeSebe leNondyebo.
Funda ngakumbi kwiwebhsayithi ye-US Treasury.