Impendulo yile: yinkimbinkimbi.
Ukuhlawula ityala lakho kuthetha ukuthinteka kwengcinezelo, ingozi ephantsi, kunye nokukwazi ukujamelana nokukhawuleza. Ukukhokhwa kwetyala eliphilayo kuya kwenza kube lula ukunyamezela ukunciphisa ngokwezomnotho okanye ukuxinezeleka, kwaye uya kuba nokwandisa ukuguquguquka okunokwandisa ulonwabo .
Utyalo-mali kuthetha ukuseka indawo enokukukhusela wena kunye nosapho lwakho kwaye ikunikeze ngemithombo yemali engenayo.
Mhlawumbi kubaluleke kakhulu, kuthetha ukuqokelela imali eyaneleyo yokuthatha umhlalaphantsi ngokukhawuleza.
Yintoni omele uyenze? Iingcali, i-course yezenzo ezinengqiqo xa uthatha isigqibo phakathi kokuhlawula ityala lakho kunye nokutyalomali kufuneka kukuthelekisa iinguqu ezimbini:
- Inqanaba lentlawulo emva kwentela ohlawula ityala lakho
- Ireyithi yentela emva kwentela ekulindelekileyo ukukulindela kwi-investment yakho
Ngamanye amagama, ukuba unako ukufumana ukubuyiswa okuphezulu kumali-mali yakho kunomdla kwityala lakho, kufuneka utyalomali. Ngaphandle koko, kufuneka uhlawule ibhalansi yakho. Umzekeliso uza kuba ngumtyalomali weebhiliyoni uWarren Buffett ethwala ngenjongo yokubambisa indlu yakhe e-Omaha, e-Nebraska kude kube yiminyaka emva nje ngenxa yokuba wayesazi ukuba angayifaka imali kwenye indawo kwi-potifoliyo yakhe yokutshala imali kwaye yenza okungakumbi ngexesha elide.
Nangona kunjalo, oku akusoloko kulunge xa uqwalasele ukulungiswa kwengozi . Kunoko, abaninzi abacwangcisi bemali kule mihla bayincoma into endiyicinga njengesiqulatho esicacileyo sekhokelo esinika ezilungileyo zezo zombini ihlabathi.
Ziziphi iindleko zokuhlawula kunye naliphi utyalo mali
Ndicetyisa oku kulandelayo:
- I-akhawunti nayiphi na i-akhawunti yomhlala phantsi wena kunye nomlingane wakho osebenza emsebenzini, njengama- 401 (k) isicwangciso , ukuya kwisixa saliphi na imali ehambelana nayo efumanekayo. Kwiinkampani ezininzi, ixabiso elilinganayo liphakathi kwe-50% kunye ne-150% yokuqala [x]%.
- Yakha i-fund yakho yengoxakeka kwi-liquid, i-FDIC-insured check, ukulondoloza, imarike yemali, okanye i-akhawunti efanayo.
- Ukuba uhlangabezana nezikhokelo zokufaneleka, hlawula ngokupheleleyo iRoth IRA kokubili kwaye, ukuba utshatile, lakho iqabane. Uya kufuneka uhlolisise imida yegalelo ekusebenzeni kunyaka ngamnye werhafu. Ngokomzekelo, ngo-2018, isibini esitshatileyo esifumana ngaphantsi kwama-135,000 kwi-mali engenayo ingeniso ingabandakanyeka kwi-$ 5,500 yemali engenayo ngamnye kumlingane ($ 6,500 ngomlingane ukuba uneminyaka engama-50 ubudala).
- Ukuhlawula nayiphi na inkokhelo yamatyala ephakamileyo, inkokhelo yemboleko yemali okanye amanye amatyala . Ngokomntu, mhlawumbi ndingayibeka phambili ityala lomboleko kubafundi ngenxa yokuba kunokuba kunzima kunzima ukukhupha kwi-bankruptcy. Hlalani kuyo de kube unamatyala-ntlawulo kwaye unqume ukungeza kuyo malunga neendleko.
- Yungqazela ngokujikelezayo uze wenze negalelo kwi-401 yakho kunye nomlingane wakho (k) i-akhawunti ukufikelela kwisixa esiphezulu esivunyelwe isicwangciso sakho okanye imigaqo yerhafu.
- Ukuba uzimisele ngokulondoloza umhlalaphantsi, jonga kwiqhinga elibandakanya ukusebenzisa i-HSA (Ii-Akhawunti ze-Savings Health) njengolunye uhlobo lwe-IRA kwi-Roth IRA yakho ngaphezulu.
- Qalisa isakhiwo sakhiwo kwi- akhawunti yomrharensi ehlawuliswa ngokupheleleyo, iiplani zokubuyisela i-dividend , i-akhawunti yokubambisana ngokukhawuleza, okanye ukuthenga ezinye iimpahla ezivelisa imali ezikuloo ndawo yobuchule. Ngokomzekelo, umtyalo-mali oyimpahla unokuthenga izakhiwo zendlu, izakhiwo zeofisi, iindawo zokugcina iimveliso. Ngaphandle koko, unokucinga ngezimali kwiikholeji 529 icebo lokulondoloza kubantwana bakho kunye / okanye nabazukulu.
Ngokuziphatha ngale ndlela, ufezekisa izinto ezininzi:
- Unciphise umrhumo wakho werhafu, oku kuthetha imali ephezulu ephaketheni lakho.
- Udala ukukhuselwa okubalulekileyo kwintlawulo yakho yomhlalaphantsi. Isicwangciso sokuthatha umhlala-phantsi esixhaswe ngumqashi, esinjenge-401 (k), sinokukhuseleka okungenamkhawulo ukukhuselwa phantsi kwemiqathango ekhoyo, ngelixa i-Roth IRA yakho ine-$ 1,283,025 ekhuselekileyo ekukhuselweni kwebhanki ngo-2018. (Oku kuya kuhlaziywa kwakhona ngo-Ephreli ukuba ngowama-2019.)
- Unciphisa amatyala akho ngexesha. Kufika iphuzu apho bahlawulelwa ngokupheleleyo, kwaye ukuhamba kwemali yakho yamahhala kuhamba uphahla.
- Uzenza utyalo-mali olukhuselekileyo kwiakhawunti ezihlawulwayo xa zonke izidingo zakho ezisisiseko zidibene. Umzekelo, ukuba unetyala elininzi kunye ne-akhawunti encinane yomhlalaphantsi, mhlawumbi akufanele utyalomali kwi-IPOs .
Enye indlela
Ngenye indlela, akusiyo ingcamango eyoyiyo ukuba ingabi nakwezikweleti ngokupheleleyo, udweba umgca ngeenxa zonke zakho izinto ukuze ungalokhathazeki ngokuba uthathe kuwe.
Ndiyazi ngabantu abaye bachitha nayiphi na imali-mali kuze kube yilapho benayo indlu yabo, ngokuqinisekileyo, bahlawulwa kwiikholejini, kwaye babakhele imisebenzi yengqesho engxamisekileyo kwiminyaka emashumi amabini anantathu. Ngethuba lokuba besondela kwiminyaka ephakathi, babe nesiseko esenza ukuba iimpahla zabo ezilondolozo-mali ziphumele, zingagqithwanga ngokupheleleyo ziimfuno zemali ezibonakala zingabikho abantu abathile kunye neentsapho ngokuqhubekayo. Ngamanye amagama, iimpendulo zabo zazihlala zihlawula amatyala kuqala, ngoko-kwaye kuphela-uqale utyalo-mali. Kwaye kubantu abaninzi, oku kusebenza kakuhle ngexesha elide.
Umxholo ophantsi: UyiNguquko enokuthi
Ekuhlalutyweni kokugqibela, uluvo lwam kukuba ukuziphatha kwezoqoqosho kufuneke ukuba kwenziwe kwisigqibo sakho. Kufuneka uthathe isigqibo phakathi kokutyalomali nokuhlawula ityala eli-1. unokuhlala nalo, 2. unokuthi unamathele uze ugqityiwe, kwaye 3. kukuvumela ukuba ulale kakuhle ebusuku. Ngethuba nje uqhubeka, kufuneka ekugqibeleni ufikelele kwimigomo yokugqibela-mdlalo, ekungekho na matyala kunye neninzi yemali-mali eninzi, eyinzuzo enika umgangatho okhululekile wokuphila kwintsapho yakho. Ngomonde obaneleyo kunye nomsebenzi onzima, le njongo onokuyifumana.