Umthwalo okhulayo
Ukususela ngo-2004, inkokhelo yemboleko yomfundi ehlayo iqhutyelwe kuwo wonke amaqela eminyaka - ukusuka kwiminyaka engamashumi amabini-i-somethings isanda kuphuma esikolweni ukuya kwiminyaka engamashumi amathandathu-esondeleyo kumhlalaphantsi.
Ngo-2015, umzekelo, abathengi abangaphezu kweminyaka engama-60 bahlawulwa ngaphezu kwezihlandlo ezi-sibhozo inani lemali- mboleko yemali ngaphezu kweqela labo elidala eliphethe iminyaka elishumi ngaphambili.
Okwangoku, i-matriki yamakhadi e-American kunye neentlawulo zamatyala ngokukhawuleza idlulile i-$ 1 trillion mark, ngokutsho kwe- Federal Reserve , ngelixa ixabiso lezindlu lilinganisiwe.
Imithwalo ephezulu yamatyala yabathengi yenza kube nzima kubo ukubeka eceleni imali eyaneleyo yokuthatha umhlalaphantsi. Ngokwe-2017 uphando olwenziwa ngabasebenzi beBhanki yeZiko loLondolozo oluKhuselekileyo, kuphela ama-34 ekhulwini kwi-Baby Boomers ephakathi phakathi kweminyaka engama-52 no-70 balindele ukuba bathathe umhlala-phantsi ngaphandle kweyiphi na ityala elide lidla kwiimali zabo ezikhoyo.
Ukuba unetyala elingamawaka angamawaka eedola kwintlawulo engekho-mboleko, kufuneka usebenze ngoku ukuchitha ityala lakho ukuze ukwazi ukubeka loo mali kwizinto eziphambili.
Fumana iziPhambili zakho eziPhambili
Zibukeka njani ezi zinto ziphambili? Abacwangcisi bemali bacebisa ukuba ugcine ubuncinane ubuncinci kwi-10 ukuya kwe-15 yengeniso yakho yonke iminyaka ngomhlalaphantsi, kunye nomthetho owodwa ogqithisileyo wesigodlo ubonisa ama-20 ekhulwini.
Kufuneka ubeke eceleni imali yokugcinwa ngongxamiseko-ubuncinane kwiinyanga ezintathu ukuya kweziyisithandathu zokuphila kweendleko - ngoko akufanele ubenamathele kumakhadi-mboleko ukuze wenze ukungaphumeleli ngokukhawuleza.
Ukuba unemali eninzi kangangokuthi awukwazi ukukwazi ukutshitshisa ezi njongo zokugcina imali , ke ukuboleka kwakho kuphezulu.
Inkampani yeenkonzo zezimali I-Fidelity Investments incoma ukunciphisa amanqaku athile okugcina imali kwishumi ngalinye elishumi.
Inkampani ithi kufuneka ugcine ubuncinane umvuzo wakho ngelixa ujika kwi-30, kathathu umvuzo wakho ngelixesha ujika 40, amaxesha amathandathu umvuzo wakho ngelixa uvula ama-50, amaxesha asibhozo umvuzo wakho ngexesha uvula ama-60, kunye namaxesha aphindwe ngama-10 umvuzo wakho ngelixa ujika kuma-67.
Njengoko ufikelela kule minyaka ebalulekileyo, khawula ama-debt you are not mortgage from your total savings. Ukuba amatyala akho agcina umnatha wakho ngezantsi apho kufuneka ube khona, ngoko uninzi kakhulu - kunye neentlawulo zenzalo onakho ekugqithweni zingakuqhubela phambili kwindlela.
Ingaba Ityala Lakho Elikuvumela Uligcine?
Ukufumanisa ukuba ishedyuli yokugcina imali enokuthi ithetha ntoni ukuba ungayimboleka kangakanani, thatha i-calculator kwaye ususe umlinganiselo onethemba lokuwugcina unyaka ngamnye kwingeniso yakho yonyaka. Emva koko sebenzisa uhlahlo lwabiwo-mali lwenyanga yonke ukuze uhlolisise imali enokuyiphela ngayo ukuze uchithe kwiintlawulo zemboleko.
Ngokomzekelo, cinga ukuba ungama-30s akho okwangoku, wenze $ 50,000 kwaye uchithe malunga neepesenti ezingama-30 yengeniso yakho kwizindlu. Emva kokususa i-$ 13,000 ngonyaka kwisikolo sakho somhlala-phantsi, uya kuba ne-$ 22,000 ngonyaka-okanye u-$ 1,833 ngenyanga-esele uhlawule ngamanye amatyala, njengemali-mboleko yomfundi kunye netyala lekhadi lesikweletu, kunye nazo zonke ezinye iindleko zenyanga , ezifana nokutya, ukunakekelwa kwezingane, izibonelelo kunye nokuzonwabisa.
Ukuqwalasela iindleko eziphezulu zokutya, iindleko zegesi nezithuthi, ukunakekelwa kwabantwana, kunye nezinye iindleko zokuphila, kwaye leyo ayinayo imali eninzi esele ichithe kwiintlawulo zemboleko.
Nokuba ukunyuswa kwonyaka kwintlawulo engenakukwenza kube lula ukuphatha ityala elingaphezulu. Ngokomzekelo, ukuba uneminyaka engama-50 ubudala, wenze i-$ 70,000 kwaye usasebenzisa iipesenti ezingama-30 yengeniso yakho kwimali yokuhlawulwa kwemali, uza kuba ne-$ 2,250 nje ngenyanga emva kokubeka eceleni imali yokuthatha umhlalaphantsi ukuba uchithe iintlawulo zemboleko kunye nezinye iindleko eziyimfuneko.
Okukwintsusa
Ukuba iintlawulo zakho zemali-mboleko zikugcina ekulondolozeni ngokukrakra kwixesha lakho elizayo, ngoko ngokuqinisekileyo uya kuba netyala elikhulu. Ukusondela kwakho kukuthatha umhlalaphantsi, ngokugqithiseleyo kufuneka uzame ukunciphisa iintlawulo zakho zemboleko. Into yokugqibela oyifunayo kukuba ityala eliphumayo likhawuleze umhlalaphantsi wakho kwaye likuphoqe ukuba uthathe imali engaphezulu ukuze uzuze iimfuno.