Indlela yokukhetha phakathi kweeMali eziPhambili kunye neeNtlawulo zoNyaka eziNyaka
Ivakalelwa njengombuzo wokubonisa umdlalo. Ngaphambi kwenombolo eyodwa yintonga yemali. Emva kombolo yesibini, i-X eqinisekisiweyo yeedola nganye ngenyanga, ubomi. Eyona nto ibonakala iyona nto ibhetele, akunjalo?
Akunjalo.
Eneneni yinto ethile yokukhetha. Kuya kuxhomekeka kwiimeko zakho kunye nesibonelelo esenziwe, kwaye iinkcukacha ezithile ziyahluka. Ngaphambi kokuba wenze isigqibo, kunceda ukuxoxa ngeenketho zakho kunye noxanduva lwezezimali othembekileyo .
Ngaba Uyazibheka Umphathi Weemali Efanelekileyo?
Ukuba uthetha inkokhelo yentlawulo , unenkululeko yokutyalomali impahla njengoko uthanda. Ukuba ufuna ukuhlambalaza, hamba. Mhlawumbi ukhetha indlela enokulinganisela, okanye usebenzise i-stocks, okanye ii-REIT okanye ze-ETF zegolide. Ukuba ubeka nje imali kwi -market-wide market , uya kugcina intengiso kunye nokugcina iifizi zonyaka. Thelekisa loo ngxelo yenyanga yonyaka onokuthi ulungelelanise ngonyaka kunye nokunyuka kwamaxabiso kodwa kungenjalo ihlala ihleli.
Hambisa intlawulo ye-sum-sum kwi-akhawunti yokuthatha umhlala-phantsi ngamnye (i-rollover IRA) kwaye utyalo-mali luya kuhlala lubekwe irhafu.
Abatyalomali abafunwa ukuba bathabathe iindleko ezincinci ukusuka kwi-IRAs ukuya kwi-70 1/2 yobudala.
Ngaba ukhetha iziqinisekiso?
Kwiminyaka ematyala-phantsi, abo bathembekileyo, iintlawulo zemali-mali ezinokunyuka kwamaxabiso angase ziqale zikhangeleke kakuhle. Abanye abantu bangathatha ukungathandabuzeki kokunyaniseka kwemarike ngenxa yokuba ukuxhamla kubonakala kukufanelekile, abanye abakwazi ukunyamezela.
Ukuqiniseka, kukho umngcipheko kwinqununu phakathi neminyaka xa utyalo-mali luphantsi.
Unayo ixesha elingakanani?
Lo ngumbuzo obiniweyo. Uneminyaka emininzi unayo ukuya kutsho umhlalaphantsi kwaye kufuneka uhlale ixesha elingakanani? Ixesha kunye nokuphila ixesha elide zibini izinto ezibalulekileyo ekunqumeni phakathi kwe-sum sum.
Thatha umbuzo wokuqala: uneminyaka emingaphi unayo ukuya kutsho umhlalaphantsi? Ukuba uneminyaka engama-20 okanye ngaphezulu ngaphambi kokuba uvale kakuhle, unethuba lokuphangela umhlalaphantsi wakho kunye nokwakha imali eninzi. Ukuphathwa kakuhle kwi -akhawunti ye-investment -backedred-reedred sum, i-sum-sum isenokubakhokelela ekuhlawuleleni ngokukhawuleza ngokuhamba kwesikhathi. Ngolunye uhlangothi, iintlawulo zengeniso eziqhelekileyo, zinokubonakala zihle kakhulu kwixesha elizayo.
Umbuzo olandelayo lixesha elingakanani omele uhlale ngalo. Uninzi lwethu alukwazi, kodwa unokufumana uqikelelo oluhle ukususela kwiminyaka yabazali kunye nogogo nomkhulu, kunye nempilo yakho jikelele kunye nokuqina. Xa usuhlala ixesha elifutshane, iintlawulo zemali eziqinisekileyo ziya kubonakala. Ukuze ugcine umgangatho wakho wokuphila uneminyaka engama-30 emva komhlalaphantsi, kunokufuneka ukuba uqalise isicwangciso esilukhulayo sokutyalo-mali.
Ngaba Ukunikezela Ngomntu Oyinyaniso?
Qaphela, kukho iinkampani eziza kuzama ukuzisebenzisela abasebenzi, zinikela ngokuhlawula umhlala-phantsi oza kuhlawuleka ngokukodwa ngaphantsi kwezibonelelo zempesheni.
Abaqeshwa bajongene nokuthatha umhlalaphantsi kwangaphambili okanye ukuthengwa kokuthenga kufuneka bathathe ixesha lokubonisana nochwepheshe abathembekileyo ngaphambi kokuba benze isigqibo.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.