Uyathenga isibophelelo semali oyifunayo. Kwixesha elidlulileyo ungathenga isibophelelo sesiqingatha sexabiso lempahla yesantya kwaye kuya kuthatha malunga neminyaka engama-20 ukuba ukhule ukuze ukwazi ukuyifaka kwixabiso elipheleleyo.
Ingaba Ukugcinwa Kwebhondi Kubolekileyo Utyalo-mali Oluhle?
Nangona kunjalo, izibophelelo zokulondoloza azinjalo ukutyalomali oluhle kakhulu, kwikholeji. Isilinganiso sokubuyiswa sisetyenziswe nguRhulumente wase-US kunye neemeko zemarike kwaye kungathatha iminyaka engama-20 ukulungiselela iimbophelelo ezipheleleyo. Yiyo izinga eliphantsi lokubuyisela. Abanye abantu abaqapheli ukuba kuya kuthatha ixesha elide ukuba iibhondi zifumaneke kwaye zibale imali ukuba ibe khona kungekudala. Ukuba sele sele unamabhondi kwaye uya kubafuna kwiikholeji kungekudala, kunokuthi kube lula ukufumana imali nje nje ngokuba ufuna.
- Abafundi beKholeji banako ukuhlawula iibhondi nganoma kunini
- Amabhonkxa awanakulungelelaniswa nexabiso lobuso phambi kweminyaka engamashumi amabini emva kokuba zikhutshwe
- Izicwangciso ezingama-529 zinokunikela ngezinga elihle lokubuyela
Ziziphi iingenelo eziMali eziMali zokuSindisa?
Esinye isizathu sokuba abantu bakhethe ukugcina ibhonasi kukukhusela imali abayinika abazukulu babo kubazali abangasebenzisa nayiphi na imali abanokuyenza kwezinye izinto. Umthetho uvumela umgcini ukuba akhuphe imali yokubophelela imali encinci, kwaye unokuba ngcono xa uvula i- akhawunti yakho engu - 529 njengomphathiswa kwi-akhawunti yomzukulu, ukuba uceba ukwenza uncedo kwimali yomntwana. imfundo.
- Izibophelelo zokulondoloza zilula ukwenza imali kwibhanki yendawo
- Awudingi ukulinda de i-bond bond ikhuphe
- Imirhumo ibangelwe kunyaka oza kuhlawulisa ubophelelo
Ziziphi iindlela ezingasetyenziswayo kwiimali ze-US Savings Bonds?
Kukho ezinye iindlela zokubambisa izibhondi zase-US eziza kunika inani elifanayo lokhuseleko kunye nezinga elihle lokubuyela. Unokufuna ukuqwalasela ukujonga kwiCD okanye i- annuities ukuba ufuna ukutshala imali ngokuzenzekelayo . Ungaphinda ufune ukuqwalasela ukukhetha iimali eziphathekayo kunye nezinga elibukhali lokubuyisela. Baya kunika izinga elingcono lokubuyisela imali yakho ngexesha. Ukuba ukhangele indlela yokuxhasa imfundo, isicwangciso esihle se-529 okanye imfundo ye-IRA yindlela efanelekileyo yokugcina imfundo.
Iingxelo zokulondolozwa kwendabuko zinganikeza ukuguquguquka okungakumbi kunokubambisana kwe-US. Ukuba ucinga ngokubambisa izibophelelo zokulondoloza ukunikela njengamabhaso omncintiswano kubantwana abancinci, unokufuna ukukhetha ikhadi lesipho seVisa okanye olunye uhlobo lomvuzo, kuba kuthatha iimbophelelo zokugcina imali. Akunakubanceda kwimfundo yabo, kodwa kuya kuba yinto ebonakalayo kwaye iyincedo ngokubanzi.
Ndingayifaka njani iCash Savings Bond?
Ukuba unesibopho sokulondolozwa kwe-US, unako ukuwafaka kwiibhanki yakho. Bakukunika imali ekhoyo oyenzayo kuwo.
Uya kufuneka ukuba ugcwalise iphepha, kuba kufuneka libike nayiphi na inzala ezuze i-$ 10.00 ukuya kwi-IRS. Ibhanki iya kufuna ubuncinane indlela enye yokuchonga, nangona ingafuna ezimbini ukuba unayo i-akhawunti ebhankini. Kukho uluhlu oluninzi lweentlobo zokugcina imali, nangona izibophelelo ze-EE ziqhelekileyo, nangona unako ukuhamba kwiibhondi ezindala ukuba ungakhokhelwa.
Ukuba ufumana izibophelelo ezingakhange zinikezelwe, awuyi kuba nako ukuzifaka. Umnini webhondi nguye yedwa onokuyithetha. Ukuba ufumana izibophelelo zokugcina njengelifa uza kuyidinga ukuzalisa iphepha elifanelekileyo kwaye uhlalise ifa ukuze uhlawule. Oku kunokuba yinkqubo enzima, kwaye ingathatha ixesha elide. Ukuba izibophelelo zokugcina zihlala ziza kuqhubeka zifumana inzala, kwaye unokukwazi ukufumana imali engaphezulu kunexabiso lobuso.
Unokujonga kwakhona kwi-intanethi ukufumanisa ukuba zininzi izibophelelo zokugcina.
Yintoni endiyenzayo ukuba ndiyenze ngamabhondi okugcina endikhoyo namhlanje?
Unako ukukhipha imali yokugcina imali kunye nokubeka imali engcono ukufumana imali ephezulu yokubuyisela. Ukuba uceba ukwenza imali eninzi yeebhanki, kufuneka ulungele ukuyibika kwiirhafu. Ngokuxhomekeke kwimali yenzalo, unokufuna ukuceba ukuhlawula irhafu kubo xa ufaka iirhafu zakho. Ukuba inani likhulu, kuya kufuneka udibanise nomgcini-akhawunti wakho ukuze ubone indlela yokutshintsha imeko yakho yerhafu. Nangona kunjalo, ukuba inzala iyinto encinci, kuninzi kunokwenzeka, kufuneka ukwazi ukuhlawula irhafu ngaphandle kwenkinga enkulu. Ukuba uhlala ufumana inzala kwizabelo okanye olunye utyalo-mali, yongeza nje inzala efunyenwe kuloo mali xa uceba iirhafu.