Kukho iingcamango ezininzi malunga nendlela yokuphendula lo mbuzo. Ndiyincoma ukuba ndihambe kuzo zonke ezi zifundo, ngoko uya kufumana ingcamango ebanzi malunga nokuba ungayifumani.
Ukuba uhamba kuyo yonke le mithetho-ye-thumb, kwaye ininzi inika isiphumo-siphumo (sithetha ukuba uhamba ngomkhondo), mhlawumbi ulungile. Kodwa ukuba iimvavanyo ezininzi ze-litmus zixelela ukuba awukho umkhondo, kungaba ngumqondiso wokulumkisa ukuba kufuneka ukhulise umrhumo wakho womhlalaphantsi.
Ngaloo nto wathi, makhe sijonge:
# 1: Ipesenteji
Umgaqo wokuqala-we-thumb uyilula: ngaba usindisa ubuncinane i-15% yekhekhe ngalinye kwiakhawunti yomhlalaphantsi, njengama-401k, 403b okanye i-IRA?
Khumbula ukuba imifuno yomqeshi ifanelekile ukufikelela kule nani. Ukuba umqeshi wakho uhambelana ne-5% yokuqala yegalelo lakho, umzekelo, ngoko ungagcina i-10% yengeniso yakho, i-chips yakho yomqeshi kwenye i-5%, kwaye ulondoloze i-15%.
# 2: Faka i-70 ukuya kuma-85 eepesenti
Ulawulo oludumileyo lwe-thumb kukuba ufanele ukwazi ukufaka endaweni engama-70 ukuya kuma-85 ekhulwini lakho ngeniso kwimali yomhlalaphantsi. Ukuba wena kunye neqabane lakho nifumana i-$ 100,000 edibeneyo, umzekelo, kufuneka uvelise i-$ 70,000 ukuya kwii-85,000 zamawaka ngamnye ngonyaka.
Kuyavunywa, oku kulawulo oluphosakeleyo-lwe-thumb, njengoko lixhomekeke ekucingeni ukuba iindleko zakho (iindleko) zihambelana ngokusondeleyo kwingeniso yakho. (Isizathu esingaqinisekanga kukuba usebenzisa inkoliso yento oyenzayo).
Ndincoma ukuguqula eli qhinga, ngokuhlolisisa iindleko zakho zangoku.
Okukhokelela kwinqonga elilandelayo ...
# 3: Linganisa ngeNkcitho yakho yangoku
Enye indlela yokwenza oku: qinganisa indlela oya kuyidinga ngayo umhlalaphantsi .
Qala ngokujonga iindleko zakho zangoku. Oku kufutshane ngokumalunga nemali eninzi (kwiidola ezilungele ukunyuka kwamaxabiso) uya kufuna ukuchitha umhlalaphantsi.
Ewe, unendleko namhlanje ongeke ube nayo kwimhlala-phantsi, njenge-mortgage yakho. (Eyona nto iya kuhlawulwa ngexesha lokuthatha umhlalaphantsi). Kodwa uya kuba neendleko zokuthatha umhlala-phantsi ongayithwaliyo namhlanje, njengempilo ethile yokuphuma ngaphandle kweendleko kunye neyokuphela kokunakekela impilo. Kwaye ngokufanelekileyo, uya kuhamba ngakumbi, ujonge izinto ezithandwayo, kwaye uzenzele.
Ngenxa yoko, unokufuna uhlahlo lwabiwo-mali ngokuthatha umhlala-phantsi ngokucinga ukuba uza kuchitha imali elinganayo uchithayo ngoku.
Masihambe ngomzekelo, ukubonisa oku. Makhe sicinge ukuba wena kunye nomlingane wakho uchitha i-$ 60,000 ngonyaka (kungakhathaliseki ukuba ufumana ingeniso), kwaye ukuba ungathanda ukuhlala kwisabelo-mali se-60,000 ngonyaka ngonyaka womhlalaphantsi.
Isinyathelo sakho esilandelayo kukujonga kwiirhafu zakho zokulondeka kweNtlalo, ongayifumana kwiwebhusayithi yoLawulo loKhuseleko loLuntu. Le nkonzo iza kukubonisa ukuba uninzi kangakanani imali ekhoyo kwindlela yokufumana. Ungasebenzisa kwakhona isixhobo sokulinganisela kwiwebsite ye-SSA ukuba awukwazi ukungena ngemvume kwi-akhawunti yakho.
Makhe sicinge ukuba uyathandwa ukuba ufumane i-$ 20,000 ngonyaka ukusuka kwi-SSA. Oku kuthetha ukuba uya kufuna iphothifoliyo yomhlala phantsi ongayenza enye i-40,000 zamawaka ngonyaka (ukufikelela kwii-60,000 zamawaka).
Ukwenza i-$ 40,000 ngonyaka, uzakufuna ubuncinane i-$ 1 yezigidi kwipotfoliyo yakho.
Oku kukuvumela ukuba uhoxise iphothifoliyo kwisilinganiso sepesenti ezi-4 ngonyaka , okuqhelekileyo kuthathwa njengezinga lokukhutshwa ngokukhuselekileyo.
Epheleleyo. Ngoku uyazi injongo yakho ekujoliswe kuyo.
Sebenzisa i-calculator yomhlala-phantsi kwi-intanethi ukuze ubone ukuba ngaba iminikelo yakho yangoku ikubeka kwi-track ukudala i-portfolio ye-$ 1 yezigidi. Ukuba akunjalo, ngoko kuya kufuneka utyalomisele ngaphezulu kwiakhawunti yakho yomhlalaphantsi.
( Nantsi inqaku elihamba ngeemeko ezithile.Ukuba ugcina i-$ 2,500 ngenyanga, umzekelo, kwi-akhawunti echazwe ngerhafu ekhula kwizinga le-7 ngonyaka, uya kuba ngumgidi-mali kwiminyaka eyi-17. $ 400 ngenyanga, kuya kuthatha iminyaka engama-39 ukudala ezi zigidi.)
Iingcamango Zokugqibela
Ngaba ulondoloze ngokwaneleyo umhlalaphantsi? Ukuba ubeka eceleni ubuncinane i-15 ekhulwini yengeniso yakho, ke impendulo efutshane-kwaye-lula igobo.
Kodwa ukuba ufumane ingcamango ebanzi ukuba ingaba ungalondolozi ngokwaneleyo, qingqa iindleko zakho ngexesha lomhlalaphantsi, uze ufumane ingcamango yokuba zininzi zeendleko kufuneka ziveliswe kwi-portfolio yakho. Emva koko qwa lasela ukuba ngaba impembelo yakho ikubeka kwi-track ukuze ivelise le mali kwipotifoliyo yakho.
Ukuba unenkxalabo yokuba awugcini ngokwaneleyo, ayikukhathazi ukuphucula umnikelo wakho nje nje. Ukuba akukho nto, imali eyongeziweyo iya kukunika uxolo-lwengqondo.