Izinyathelo eziSiseko malunga nendlela yokuSilinganisa iNani eliThagethi leMali yokuLondoloza umhlalaphantsi
Uninzi lwabantu luyazi kakuhle ukubaluleka kokulondoloza umhlala-phantsi kwaye ininzi yethu ubuncinane imali eshiyiweyo kwiminyaka yabo yegolide. Kodwa ngaba ngokwaneleyo? Kwaye siyazi njani ukuba buninzi "okwaneleyo"? Unokwazi njani ukuba bahamba ngendlela yokufikelela kwiinjongo zabo zomhlalaphantsi?
Kunzima ukwazi ngokuchanekileyo oko kuyimfuneko ukuba uthathe umhlalaphantsi ngokukhuseleka kwezezimali. Kodwa kunokwenzeka ukuba ufumane uqikelelo olulungileyo, oluya kunceda ekuzileni ukuba ungayishiya njani ngoku ukufikelela kwiinjongo zakho.
Nazi izicwangciso eziphambili ekuqikeleleni ubuninzi obuya kufuna ukuba uthathe umhlalaphantsi:
1. Linganisa iNgeniso oyifunayo Ngomhlalaphantsi
Ukulinganisa imbuyekezo eyimfuneko yokuthatha umhlalaphantsi akuyona into enzima njengoko kubonakala ngathi. Unokuqala ngenkokhelo yakho yangoku kwaye wenze izibalo ezimbalwa ukuze ufumane imali engenayo yomhlalaphantsi.
Ukubala okulula kakhulu kukusebenzisa ingeniso yakho yangoku, uhlengahlengise ukunyuka kwamaxabiso, uze usebenzise i-80% yaloo mali njengenzuzo yengeniso yomhlalaphantsi. Ukuba awunayo i-math wiz okanye awukwazi ukusebenzisa i-calculator yemali, usebenzisa ulawulo olungama-72 okanye unokusebenzisa nje i-calculator ye-inflation ye-intanethi.
Ngolawulo lwe-72, ulwahlula i-72 ngezinga kwaye ufumana inani leminyaka elithathayo ukuba liphindwe kabini imali.
I-72 eyahlula ngo-3 ngu-24. Oku kuthetha ukuba kwiminyaka engama-24, iindleko zokuphila (kwaye ngoko imfuneko yakho engenayo) iya kuba kabini ephakamileyo njengoko ikhoyo namhlanje.
Uqikelelo oluchanekileyo nolona luchanekileyo luya kuba yi- calculator yokunyuka kwamaxabiso e-intanethi ("isantya esiphezulu sezinga" ukubala). Ngokomzekelo, ndifake i $ 75,000 kwimali engenayo yanamhlanje kwaye ndasebenzisa ixesha eliyiminyaka eyi-20.
I-calculator ithi ixabiso elizayo (okanye ingeniso ezayo efunekayo kumzekelo wethu womhlalaphantsi) malunga nama-135,000.
Ngoku sandisa imali eyi-135,000 nge-0.8 okanye i-80% kwaye sifumana i-$ 108,000-uqikelelo lobungakanani bomntu okanye umndeni ofumana i-75,000 zamawaka namhlanje eziya kuyimfuneko malunga neminyaka engama-20 ukuya kwe-30 ukususela kumhla wokuthatha umhlalaphantsi. I-80% yokubala, ukuba ngaba uyazibuza, ngumgangatho osemgangathweni wokucwangcisa imali abathile abacebisi babiza umnxeba wokuguqula umvuzo . Uninzi lwabathathe umhlala-phantsi aludingi i-100% yemali engenayo ngaphambi kokuthatha umhlala-phantsi kwaye i-80% ihlala isanele ngokwaneleyo. Ukuba ufuna ukulungelelanisa, ungasebenzisa i-85% okanye i-90% endaweni yoko.
2. Fumana iziqingatha kwiMithombo yoMhlala-phantsi (Eminye i-Investment)
Ngaba ulindele ukufumana imithombo yengeniso ngaphandle kokulondolozwa kwakho? Nangona i-Social Security ibonakala ingathembekanga kwabanye abantu, akunakwenzeka ukuba ihambe. Ukuze ube nolondolozo, jonga kwi-Intetho yakho yeNtlalo yoKhuseleko uze usebenzise ixesha elipheleleyo lokuthatha umhlalaphantsi ukuze usebenzise ngokubala. Ukuba inzuzo iguqulwa ngu rhu lumente, kuya kutshintsha imigaqo malunga nokuthatha inzuzo ekuqaleni (ngoku kusekwe kwiminyaka engama-62).
Ukusebenzisa umzekelo wethu wokubala kwisinyathelo esedlulileyo, masithi unokuqikelela imali oyi-Social Security earnings ibe yi-20,000 $ ngonyaka.
Ngoku ukhiphe oko kusuka kwi-yakho ye-108,000 engqikelelo yemali engenayo kwaye ngoku unayo i-88,000 yezigidi ezifunekayo kwiityalo-mali.
Ukuba unelungelo lokuba nemithombo engaphezulu yemali engenayo, njengempesheni kumqeshi wakho, unokwenza okufanayo kuloo mali kwaye uyisuse kwizinto oza kuyidinga umhlalaphantsi.
3. Ukulinganisela Ingeniso Yengeniso Yotyalo-mali ongayithatha rhoqo ngonyaka kwaye Yenze iminyaka eyi-30 idlulileyo
Umngcipheko omkhulu kuninzi lwabathathe umhlala-phantsi awusiko lokuthengiswa kwemakethe ye-stock market kodwa ingozi yokuphucula imali yabo. Ngoko ke, ngaphandle kokuba unentsapho yembali yokugula okanye umdlavuza, uqikelele ukuba ulindele ukuhlala iminyaka yobudala engama-90 okanye ngaphezulu.
Unokwenza njani iholo lakho lomhlala-phantsi liqhubeke iminyaka engama-30? Esinye isikhokelo esiqhelekileyo sokufumana umhlala-phantsi ngumgaqo we- 4% , obonisa ukuba inqanaba lokuqala lokuhoxisa umnyaka wokuqala wokuthatha umhlalaphantsi ngu-4% wempahla ehlala phantsi.
Ukususela kwinqanaba eliya phambili, unako ukwandisa inani lokurhoxisa ngonyaka nge-3% ukulungiselela ukunyuswa kwamaxabiso.
Kwakhona ukhumbule esinye isixa semali engama-4, okuyizinga lokubuyisela imali ekuhlawuleleni imali ekufuneka uyenze ukuyenza imali yakho ibe yimizuzu engama-30.
Ngokomzekelo olula, masithi unokukwazi ukugcina i-$ 1 yezigidi nge-65 ubudala. Oku kuya kuba ngumlinganiselo wakho wokurhoxiswa ngonyaka omnye womhlalaphantsi. Ngonyaka wesibini, unako ukurhoxisa i-$ 41,200 (40,000 kunye ne-3%). Ukuba uqhubeka nokunyuka kwama-3% kwidola ngalinye ngonyaka, ungalindela ukuba imali ihlale iminyaka engama-30 okanye ngaphezulu.
4. Qinisekisa njani Uninzi lokulondoloza ukufikelela kwiinjongo zakho zokuhlala phantsi
Kwakhona, sinokusebenzisa imilinganiselo ethile kunye nemithetho jikelele yesithupha ukuze ufikeleleke ukuba uqikelele ukuba ungakanani imali omele uyenze ngaphambi kokuba utshintshe umhlalaphantsi.
Ukuba awukwazi ukusebenzisa i-calculator yezemali, ibhetri yakho engcono kukusebenzisa i-calculator yomhlalaphantsi. Le calculator yokucima umhlala-phantsi evela kwiBhanethi.com inomsebenzi omuhle wokufihla izinto ezisisiseko zento endikubonisayo apha.
5. Ungakhathazeki, Yonwabe
Ukuba ungokoqobo, uya kubona ukuba awugcini imali eyaneleyo yokukhusela ngokwaneleyo umhlala-phantsi wakho kunye nokugcinwa kwakho kwangoku. Kodwa yonke into ongayenzayo iyona nto ibalulekileyo kwaye inkxalabo malunga nokukhuseleka kwezezimali zakho zexesha elizayo akufanele ibe yimbangela yokuphazamisa umgangatho wobomi bakho okhoyo.
Ukuba kukho nayiphi na induduzo, abahlala phantsi baye bafumana utyhafile kwaye bengagqibekanga ngaphandle kokubandakanyeka kwimisebenzi evelisayo kunye nokusebenzisana nabanye abantu. Cinga ukuba le nto ichaza - ngumsebenzi!
Kodwa akudingeki ukuba usebenze kumsebenzi obangela uxinzelelo kwaye mhlawumbi kungekho into epheleleyo. Ubuncinane iminyaka engama-10 ngaphambi komhlala-phantsi okulindelekileyo, qalisa ukuqwalasela imigca yomsebenzi ongenakho ukuhlawula kodwa uyakuzonwabisa. Okanye ukuba sele uthanda umsebenzi wakho wamanje, qalisa ukucwangcisa umhlalaphantsi, apho usebenza khona iiyure ezimbalwa.
Ngokwenza into oyithandayo, awuyi kuva ngathi usebenza. Yaye kunye nexesha elongezelelweyo, uya kukwazi ukunciphisa kwaye wenze ezinye izinto owake wazenza ezingekho ngaphambili ebomini, ezifana nokuhamba okanye uthabatha i-nap.
Qaphela kwakhona: Iiminyathelo ezi-6 zoCwangciso lwezeMali kwaye Zizenzele okanye uzuze uMcebisi wezeMali
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.