Sebenzisa isilumkiso xa uqhathanisa nokonga kwakho kwiNkqubo yokuHlaba umhlala-phantsi
"Ndingafuna kangakanani ukugcina umhlalaphantsi?"
Le ngenye yemibuzo enzima kakhulu kuba impendulo ihlala ikhona - " Kuxhomekeka! "U
Impendulo "inokuxhomekeka" inokukhungathekisa ngomntu okhangela inamba yomlingo ukuba ancede ukuba anqume ukuba ahamba ngendlela efanelekileyo. Kukho isixa esikhulu kakhulu sokungaqiniseki malunga nomgaqo-nkqubo wokuqhelisela umhlalaphantsi ukuqala. Ngokuqhelekileyo, abantu bahlala ixesha elide, iindleko zokunakekelwa kwempilo zikhula, ipensenti iyalala, kwaye i-cloud of doubt is around what the Social Security will look like decades from now.
Kodwa izicwangciso zomhlala-phantsi zomntu siqu zenzelwe ukuba zibuqu. Ukuchonga ixesha elide lokucwangcisa ukuhlala okanye ukuba uya kuqhuba ixesha elifutshane lokuphila ngenxa yemicimbi enzulu yempilo inokutshintsha ngokukhawuleza iimfuno zakho zomhlala-phantsi. Ukufaka iminyaka yakho yomhlala-phantsi kunye okanye ngaphandle kwetyala okanye umboleki-mboleki kuya kuba nefuthe kwiimfuno zakho zokufumana umhlalaphantsi. Injongo ephambili kukuba ukhetho lokuphila luhamba ixesha elide ekuqaliseni indlela yokwenza uqikelelo oluchanekileyo lweemfuno zethu zexesha elizayo nezifunayo. Ukunikezelwa kuzo zonke iinguqu ezikhethiweyo kunye nokungaqiniseki ngokumalunga nomntu ofuna ukuyigcina ukuze aphumelele umgangatho ophezulu wokuphumelela, kuyaqondakala ukuba kukho izikhokelo eziqhelekileyo eziza kusinceda silandele inkqubela yethu.
UkuLondolozwa koMhlala-phantsi njengeMali eNgeniso
Ulawulo olulodwa lwesithupha ngomhlalaphantsi lusekelwe kwimibandela yokugcina edibene nomvuzo wakho. Ngale ndlela iinjongo zokulondoloza imali zenziwe ngokusekelwe kwiimpazamo zengeniso ekuncedeni abantu ukulandelela inkqubela yabo kulo lonke ixesha lokuqokelela umsebenzi.
Ukunyaniseka kuye kwafumanisa iitrakethi zokugcina umhlala-phantsi kwiminyaka eyahlukeneyo ekuhambeni kohambo ukuya kumhlalaphantsi.
Umzekelo, ukwenzela ukuba uthathe umhlalaphantsi ngendlela efanelekileyo yokuphila. Ukuthembeka kukukhuthaza ukuba umntu abe ne-10x yomvuzo wabo wonyaka ogcinwe nguminyaka yobudala engama-67. Banikezela umgca wendlela kunye namanqaku athile axhamlayo okumele asebenze ukuze kufezekiswe umlinganiselo osindisiweyo wokugcina imali ekufuneka uyithathe phantsi mkhondo:
- Ngama-30: Yiba ne- 1x yomvuzo wakho ogcinwe
- Ngo-35 : Yenza i- 2x yakho yemivuzo igcinwe
- Ngama-40: Yenza umvuzo wakho we- 3x ugcinwe
- Ngo-45: Yiba ne- 4x yakho yemivuzo igcinwe
- Ngama-50 : Yenza umvuzo wakho we- 6x ugcinwe
- Ngama-55: Yiba ne- 7x yakho yemivuzo igcinwe
- Ngama-60: Yiba ne- 8x yakho yemivuzo igcinwe
- Ngama-67: Yiba ne- 10x yakho yemivuzo igcinwe
Gcina ukhumbule ukuba izinto zokulondoloza ezisetyenzisiweyo yi-Fidelity ziyahlengahlengiswa ngokusekelwe xa unqwenela ukuthatha umhlalaphantsi kunye neemfuno zakho zokuphila ezilindelekileyo ngexesha lomhlalaphantsi. Ngokomzekelo, icebo elineminyaka engama-45 lokuthatha umhlala-phantsi ngeminyaka yobudala engama-67 ngendlela yokuphila eyiyo kuya kuba nokulondolozwa okujoliswe ku-4x (amaxesha) umvuzo obekwe eceleni ngenxa yomhlalaphantsi. Nangona kunjalo, ukulungiswa kweminyaka yobudala yomhlalaphantsi ukuya kwisi-65 kwimeko efana neyo-mali ikhupha umlinganiselo wokulondoloza ukuya kuma-6x (amaxesha) umvuzo. Unokwazi ukubheka izinto zakho zokugcina umhlalaphantsi ngokusekelwe kwiminyaka yakho yangoku, xa ufuna ukuthatha umhlalaphantsi, kunye neendleko zokuphila ezifunayo usebenzisa le fowuni.
Izikhokelo ezibalulekileyo zohlaselo lwakho lomhlalaphantsi
Ubulumko obuqhelekileyo uthi uya kufuneka ubeke endaweni engama-70 ukuya kwe-90 ekhulwini kwengeniso yakho yangoku emhlalaphantsi ukuze ugcine impilo yakho efanayo ngexesha lomhlalaphantsi. Olunye ulawulo oluqhelekileyo olusetyenziswayo kwisitatimende sokucwangcisa umhlala-phantsi lubizwa ngokuba ngu "Umthetho we-4%." Oku kubhekisela kwingcinga epheleleyo yokuba ungathatha u-4% ukuhoxiswa kwirejista yakho yokugcina umhlala-phantsi ngonyaka kwaye ukwandise inani lemali ngemali ngonyaka .
Ngoko ke, ukuba unayo i-$ 1 yezigidi kwiakhawunti yakho yokuthatha umhlalaphantsi, uza kuchitha i-$ 40,000 ngonyaka wokuqala. Oku kuthetha ukuba kukho yonke i-$ 1,000 ngenyanga ofuna ukuyichitha ngomhlalaphantsi, uya kufuna iimali ezingama-300,000 zokugcina umhlala-phantsi.
Izizathu zokusebenzisa isilumkiso kunye neziKhokelo zokuSindisa eziNgeniso-mali
Kubalulekile ukuba uqaphele ukuba ibhonchmarks ezilondolozayo zilula kwaye zisebenza njengento ethile ekujoliswe kuyo. Iminyaka embalwa edlulileyo, umkhombandlela wenombolo yomlingo waba ngumvuzo we-8x ngeminyaka yobudala engama-67. Indlela efanelekileyo yokujonga ukuba ulondoloze ngokwaneleyo umhlalaphantsi kukuba usebenze i-calculator yomhlalaphantsi ngokubanzi kwaye wenze isicwangciso-mali sokuthatha umhlalaphantsi esekelwe ngokwenene iindleko zokuphila. Oku kuya kukuvumela ukuba ubuyekeze umfanekiso wakho wezezimali kwaye uqukelele ukuqikelelwa koKhuseleko lwezeNtlalo, ukusetyenziswa kokulingana kwindlu yakho, iindawo ezifunyenweyo zengeniso ngokubhekiselele kwiinjongo zakho, kunye neminye imithombo engeniso njengelifa, umsebenzi wexeshana, okanye ingeniso yerenti .
Isicwangciso sokuthatha umhlala-phantsi esiyimpumelelo sidinga ngaphezu kweendlela ezilinganayo. Izikhokelo eziqhelekileyo ezinjengeenkcukacha zokulondoloza ukunyaniseka zibonelela ngenjongo yokuqala yokumisela ukuba uhamba ngendlela efanelekileyo kunye nokugcinwa kwakho komhlalaphantsi. Kubantu abaninzi izinto zokulondoloza ziya kusebenza njengefowuni ephilileyo. Kwabanye, le ndlela yenza ukuba uqikelele kakhulu kwaye ungenayo indlela ekhethiweyo. Indlela engcono kukusebenzisa ababalawuli bemali yokuthatha umhlalaphantsi ngokusekelwe kwiinjongo ezenziwe ngabanye ukuze ubone ukuba ulandelela umhlalaphantsi okhuselekileyo okanye cha.