Ngaba Ufanele Uhlawule Ngomhlalaphantsi Wakho?

Izinto Ozozicingisisa Ngaphambi Kwenza Izigqibo Zigxina NgePensheni Yakho

Ubomi-kwaye ngokukodwa umhlalaphantsi-kunokugqithiswa ngokukhethwa nzima. Ezinye izicwangciso zempesheni ziya kukuvumela ukuba uthathe isamba semali kunokubakhokhelwa kwiintlawulo zexesha elizeleyo, kwaye unokuyilinga ukuba le ndlela ikhoyo. Kodwa akusoloko yinto efanelekileyo ukuyenza.

Musa ukufaka imali kwi pension yakho okanye wenze ezinye izigqibo ezisisigxina ngazo ngaphandle kokuhlalutya ngokucamngca kuqala. Nazi ezinye izinto onokufuna ukuziqwalasela.

Ingqungquthela ye-Lump okanye i-Annuity?

Ukuba uthabatha isamba semali, imali ingadluliselwa ngqo kwi-akhawunti ye-IRA ukwenzela ukuba irhafu ingabi yinto enkulu. Abanye abantu benza oku ngenxa yokuba umcwangcisi wezemali ubaqinisekisile ukuba unokukwenza ngcono ngemali. Okanye unokwenza nje ngenxa yokuba uthanda induduzo yokwazi ukuba yonke loo mali ikhona kuwe ukuba uyayidinga.

Enyanisweni, zimbalwa izizathu ezilungileyo zokuhlawula ipenshoni yakho njengemali. Ngokuqhelekileyo kungenjalo, ezinye iinketho zokuhlawula ziya kunika ixabiso elingcono xa zijongwa ngaphezu kwexesha lakho lokuphila. Kufuneka uhlalutye rhoqo imiphumo yesikhwama semali okanye inkxaso yemali yempesheni ngaphezu kwexesha lokuphila kwakho ukuze ubone ukuba yiyiphi into efanelekileyo kakhulu. Ikhefu lentlawulo lingaba luhle kwixesha elifutshane, kodwa unokuphelelwa yimali xa wenza izigqibo ezimbi ngemali. Umvuzo ukhusela kule miphumo.

Ama-Payment Payments ama-Joint Life

Uya kufuneka unqume ukuba yeyiphi indlela yokuhambisa ipensheni ibhetele wena kunye nomlingane wakho ukuba utshatile. Mhlawumbi ukhululekile ngokufaka imali kwi pension yakho kunye nokulawula utyalo-mali, kodwa ngaba iqabane lakho liyakwazi ukulawula imali kunye nokuba uyadlula? Kuthiwani ukuba iqabane lakho linomdla obuninzi ngaphezu kwakho?

Oku kunokwenza umvuzo wokubambisa umhlalaphantsi wokuhlawula umhlala-phantsi unomtsalane ngakumbi kunokuba uhlawule imali. Iintlawulo zokuphila ngokudibeneyo ziyafumaneka kwiinguqu ezininzi, njengama-100 ekhulwini kumlingane, iipesenti ezingama-75 kumlingane, okanye ama-50 ekhulwini kumlingane. Khumbula, indlu yakho iya kulahlekelwa yintlawulo yeNtlalo yeNhlalakahle xa iqabane lokuqala lidlula, ngoko ke ukuba nemali yomhlala-phantsi ifumaneke kumntu osindayo ibaluleke kakhulu.

03 Xa Ndifanele Ndiqalise Ipensheni Yam?

Unokwazi ukuthatha umhlalaphantsi kwiminyaka engama-60, kodwa oko akuthethi ukuba ufanele uqale ipensheni yakho ngo-60. Iipensheni ezininzi-nangona zingekho zonke-zibonelela ngokuhlawulwa ngokuphezulu xa uqala izibonelelo kwixesha elizayo. Unokuba ushiya imali etafileni ukuba awuzange uhlalutye iinketho zokuhlawula kwaye uqala ipensheni yakho kusasa.

Nangona kufuneka uhoxise imali yakho yokonga imali encinci yokwenza ukulibaziseka, ukulinda kusenokuba yinto ekhangayo ngakumbi. Isigqibo esilungileyo malunga nokuqalisa umhlala-phantsi sakho sinokunceda ukunciphisa umngcipheko wokuphuma kwemali emhlala phantsi.

04 Ingakanani Imirhumo Ngaba Ndimele Ndiyiphephe iPensheni?

Into yokugqibela oyifunayo ngomhlalaphantsi kukufumanisa ukuba unetyala elingalindelekanga. Ngamanye amaxesha abathathe umhlala-phantsi baqala inzuzo yabo yempesheni kwaye abanakho irhafu abaye bayigcinwa ngenxa yokuba bacinga ukuba abayi kuhlawulwa nayiphi na. Emva koko, kamva, baqala ukuKhuseleko kweNtlalontle okanye bathatha iRRA yokurhoxiswa. Yimangalisa! I-IRS ifuna isabelo sale ntlawulo.

Unokulungisa utshintsho lwerhafu kwiingeniso zakho zomhlala- phantsi ukuze uphume ngokukhawuleza kwinqanaba lokuphambana naliphi na irhafu onokuhlawulwa okanye ekubuyiselweni kwembuyekezo. Kukulungele ukuhlawula imali engenayo engenayo ngaphambi kokuba uqale ipensheni yakho ukuze ubeke ityala lakho ngokubambelela ngokufanelekileyo. Umzekelo, ukuba unika iprojekthi yokuba uya kuba sekhompyutheni yeerhafu engaphantsi kwe-25 kodwa uza kuhluthwa ngokwemiqathango, ungasetha umgaqo-nkqubo wokubamba umhlalaphantsi wakho kwipesenti ezingama-20.

Phawula:

Njalo uqhagamshelane neengcali kwiingcebiso zokuthatha umhlala-phantsi. Le ngcaciso ayijoliswanga njengengcebiso yezolimo-mali kwaye ayiyifaki indawo yeengcebiso zotyalo-mali.