Kuphela iintlobo ezi-3 zabantu kufuneka babe neesitokethi kumhlalaphantsi
- Abo bangakwazi ukufumana ingozi
- Abo bathatha umngcipheko njengenxalenye yecwangciso lokufumana umhlala-phantsi lomhlalaphantsi
- Abo baqonda iimpawu abayidingayo ukuba bathathe ukuba ingozi ibonakala
Eli nqaku lichaza indlela oya kugqiba ngayo ukuba udibana nawuphi na okanye zonke ezi migaqo.
Ngaba Unomdla Wokuthatha Ingozi?
Njengoko usondele kumhlalaphantsi, uya kufuna ukubala ubuncinci ukubuyisela utyalo-mali lwakho kufuneka ufumane ukuze uhlangabezane neenjongo zakho zokuphila.
Umzekelo, ukuba unayo i-$ 200,000 egcinwe. Unquma ukuba kulungile ukufa ne-$ 1 ebhankini. Okwangoku, udinga i-$ 10,000 ngonyaka ngeminyaka engama-30 ezayo. I-$ 200k yakho iya kuba nokubuyela okuncinci okufunekayo kwe-2.85% ukufezekisa injongo yakho yokuphila eyi-$ 10,000 ngonyaka.
Ukuba unako ukufeza le njongo ngento ekhuselekile kwaye eqinisekisiwe, njengemali yonyaka , ngoko kutheni ungena engozini? Ngakolunye uhlangothi, ukuba unayo imali engama-$ 300,000, mhlawumbi i-$ 200k yokuqala ingasetyenziselwa ukukhusela umgomo wakho wokuphila kwaye intsalela ingasetyenziselwa ukutshala imali kwi-stocks - kuba ngelo xesha unokukwazi ukubeka umngcipheko kunye $ 100k.
Ukuba ufuna iphothifoliyo yakho yesitoreji ukufumana iindleko eziqhelekileyo kwisicwangciso sakho sokusebenza ngoko awukwazi ukukwazi ukubeka ingozi. Umyinge uthetha ukuba isiqingatha sexesha iifowuni zakho ziya kuzuza ngaphezulu kunye nesiqingatha sexesha abaza kuzuza ngaphantsi. Isicwangciso sakho sokuthatha umhlalaphantsi kufuneka sisebenzise amasheya njengento "eyongezelelweyo" xa kuthengiswa imarike-kodwa ukuba ufuna ukuba isabelo sesabelo sepotfolio sakho senze ngoko ungenaso isicwangciso esiqinileyo.
Ngaba Usebenzisa Ingozi njengengxenye yeSicwangciso soBungqina?
Enye indlela yokusebenzisa iisitishi njengenxalenye yesicwangciso bekuza kuthatha i-$ 200,000 kunye namanqanaba aphuma kumaCD okanye amabhondi ukuze i-$ 10,000 ikhule minyaka yonke kwiminyaka engama-20 ezayo. Ngemfuno yokuhamba kwemali ekhuselekile iminyaka engama-20, i-$ 100k esele isingeniswa imali kwimasitokisini, ngokunokwenzeka ukuphakama okuphezulu ngokubalulekayo kwimiba engama-20 kule minyaka.
Ngelo xesha leminyaka engama-20, ukuba isitokisi senze kakuhle, inxalenye efanelekileyo yeengeniso ingathathwa ukukhusela iminyaka eyongezelelweyo yokuhamba kwemali, okanye ukuxhasa imali eyongezelelweyo endleleni.
Esi sicwangciso sithetha ukuba usebenzisa izitokhwe njengenxalenye yesicwangciso - kufuneka bafumane malunga no-2.36% ubuyiselo obuphakathi kweminyaka engama-20. Awunayo iifowuni ukuhambisa into eyenzeka kuphela kwi-50% yexesha.
Ngaba Unayo Isicwangciso Sokusebenza Ukulandela Ukuba Ubungozi Ubuncwane?
Kuthekani ukuba ugcina isabelo sakho sokulondoloza imali esitokisini kwimali yomhlalaphantsi kunye nemasheya engenzi kakuhle nhlobo? Kufuneka uqonde iziphumo.
Okokuqala, akufanele ube nemali kwisitokisi ukuba uya kuyidinga ukuyithengisa kwaye uyisebenzise loo nxalenye yokonga kwakho kwiminyaka emihlanu ezayo. Awunakufuna ukufumana amasheya ngaphandle kokuba unesimo soguquko UKUBA uthengise xa i-marhwebo isezantsi.
Okwesibini, ukuba izitokisi zenza kakubi ixesha elide, unokunciphisa imali yakho. Ukuba ubucwangcise ukuchitha imali eyi-10 000 ngonyaka ukusuka kwipotfoliyo yakho kunye namasheya ukuhambisa ibuyiselo zero mhlawumbi kuya kufuneka ukunciphise imali ukuya kuma-9 500 okanye i-$ 9,000 ngonyaka.
Kwabanye abahlala phantsi, ukukwazi ukuchitha ixesha elide kwangoko kunembuyekezo efanelekileyo yokuthatha umngcipheko-kodwa bayazi ukuba bafumana ixesha elide lokubuyela kwimarike yeemasheya, kwaye banokufuna ukunciphisa ixesha elizayo.
Basebenzisa izitokisini zokuthatha umhlalaphantsi - kodwa kunye nesicwangciso senzalo esikuyo. Bayiqonda imiphumo enokwenzeka ukuba iimarike zeemasheya azibuyiseli ukubuyiswa okulungileyo.
Indlela yokuThengisa iimpahla kwiRhafu
Ukuba uhlangabezana neendlela ezichazwe ngasentla, into elandelayo ukuyiqonda indlela yokufumana amasheya. Xa ndithi "iisitokisi" anditsho ukubeka inxalenye enkulu yeemali zakho kwisitokethi esisodwa kwaye anditsho ukufafaza imali yakho kwiindawo ezincinci ozifunayo okanye ozifundileyo (ngaphandle kokuba inxalenye encinci imali yakho yomhlalaphantsi kwaye awuyi kufuna loo nxalenye kukunceda ukuhlangabezana neemfuno zakho zokufumana umhlalaphantsi).
Into endiyithethayo ukubeka isabelo esifanelekileyo semali yakho kwiipotifoliyo ezahlukileyo zemali yeefowuni . Ngokwenza oku, ufumana ama-15,000 angama-khampani athengiswa esidlangalaleni kuwo wonke umhlaba kwaye unciphisa kakhulu inani lotyalo-mali oyithathayo.
Iinkonzo kunye neNgxowa-mali yokuThengisa iiShishini (nge-Index Index) kwi-Retirement
Nantsi isishwankathelo esifutshane seenzuzo kunye neengxaki zee-stocks njengenxalenye yephothifoliyo yakho yomhlalaphantsi.
Iinkonzo
- Ngokusekelwe kwii-stock returns ezidlulileyo zininzi kunokuba ezinye iimali zokuncedisa iipotifoliyo kunye nerenti yakho yomhlala-phantsi iyaqhubeka nokunyuka kwamaxabiso .
- Amasheya akunika ithuba lokubuyiswa okuphezulu kwaye ngoko ke unako ukufumana imali ephezulu yengeniso kunye nekhono lokushiya ilifa elikhulu.
Umxhasi
- Amasheya ayenzileyo kwaye ukutshatyalaliswa kuthetha ukuba uthatha umhlalaphantsi ngexesha eliphantsi lokubuya kwemakethe ye-stock market oku kunokukunyanzela ukuba ube yimeko apho kufuneka uchithe ngaphantsi kokucinga kwakho ngomhlalaphantsi.
- Kungabangela uxinzelelo kwimozulu ukuhla kweemarike. Ukuba awusebenzisi izitokhwe njengenxalenye yesicwangciso sokuxinzezeleka kwengqondo kunokubangela ukuba uthengise ngexesha elingafanelekanga kwaye utsho unqabise ngokusisigxina ekulahlekelweni kwaye unyanzele ukuba uphile ngaphantsi komhlala phantsi.