Ubuninzi beenkcukacha malunga nokutyalo-mali, ukhetho olubanzi lwezinto zokutshala imali, kwaye umngcipheko uyasongela kwaye inokukuthintela ukuba uthathe amanyathelo okuqala.
Akufuneki ukuba njalo. Kuphela kufuneka udinga iziseko ezimbalwa ukuze uqale utyalomali kwikamva lakho.
Iingcamango ezisisiseko
Okokuqala, ezinye iingcamango. Eli nqaku licinga ukuba unetyala lekhadi lakho lesikweletu phantsi kolawulo. Akunakuqonda ukutyalo-mali kwiimpahla, iibhondi, okanye iimali eziphathekayo ukuba unamawaka eedola kwikharkethi yamatyala ekwizinga lentengo engaphezu kwe-10%. Awunakuze uhlawulwe ngokupheleleyo, kodwa ufanele wenze ingxaki ebalulekileyo kwinyanga yakho, kwaye kufuneka uhlawule ixabiso elincinci kakhulu kuloo matyala.
Eli nqaku liyabona ukuba unenkxalabo yongxamiseko yeenyanga ezi-ezintathu ezifunekayo zeendleko zokuphila eziphambili (mhlawumbi iinyanga ezi-6 ezifanelekileyo) xa ulahlekelwa ngumsebenzi, ukukhubazeka, njl. Ekugqibeleni, eli nqaku licinga ukuba ukuba umqeshi wakho unika i-401 ( k) icebo, ukwandisa igalelo lakho kunye nokwahlula utyalo-mali lwakho kwisicwangciso.
Ndiyifumanaphi Imali Yokutshala imali?
Umbuzo wokuqala kubantu abaninzi "ndifumana phi imali yokutshala imali?" Kukho imali eninzi yeempahla ezivumela ukuba utyalomali nge $ 500 okanye ngaphantsi.
Sebenzisa ibhonasi yakho elandelayo emsebenzini, okanye ukubuyiselwa kwerhafu yengeniso yakho, okanye ufake ixesha elide lokufumana imali eyongezelelweyo. Ukuba awukwazi ukuza ne-$ 500 ukuqala iphothifoliyo yakho, imali eninzi iya kukuvumela ukuba uwebe ukutsalwa kwetyala lokutsalwa kwemali xa ubhalisela ukurhoxiswa kwenyanga nganye ngenyanga ye-$ 25 ukuya kwi-$ 50 kwi-akhawunti yakho yokujonga.
Ndingakhetha njani Utyalo-mali?
Ulungele utyalo-mali olude lwexesha elide. Ukhetha njani? Isinyathelo sokuqala kukukwazi ukuba zeziphi iinjongo zakho. Ngaba uyasindisa indlu? Imfundo yekholeji ? Umhlalaphantsi? Uhlobo lotyalo-mali owukhethayo luya kuxhomekeka kwisixa sexesha elikhoyo ngaphambi kokuba ufune imali. Amasheya athatyathwa njengotyalo-mali olude , kwaye kulungile ukucwangcisa ukugcina iimpahla okanye iimali ezixhaswa ngempahla kwiminyaka emihlanu okanye ngaphezulu. Ukuba ufuna imali ngokukhawuleza kunoko, unokunciphisa ukubuyela kwakho ngokufaka imali xa ixabiso le-stock lihla.
Ndingayifumanisa njani Ukunyamezela Kwami Ingozi ?
Emva koko, kufuneka ukwazi ukunyamezela kwakho. Ukuba ufihla imali phantsi komtatha wakho ngenxa yokuba ungathembi i-bhanki, mhlawumbi awuyi kuziva ukhululekile ukutyalo-mali kwiimpahla zekhompyutha zobuchwepheshe. Uvavanyo lweNgcaciso lwe-Investment lwe-CNBC lunokukunceda ukwazi ukuba yeyiphi inqanaba lomngcipheko onokumelana nawo.
Ndingakhetha njani Utyalo-mali?
Unquma njani ukuba ungayifaka phi imali? Uninzi lweengcali zincoma ukuba usasaze imali yakho kwiintlobo ezahlukeneyo zotyalo-mali zokunciphisa umngcipheko kuba uhlobo oluthile lotyalo-mali lusebenza kakuhle xa omnye engenzi. Ngokomzekelo, ngokuqhelekileyo xa ubuyisela kwimpahla yesitokhwe kunye neengxowa-mali eziphathekayo ziphezulu, kubuya kwiibhondi ziphantsi, kwaye ngokufanayo.
Ngokufumana imali kwezo zombini iintlobo zemali, unako ukufumana ukubuyiswa okufanelekileyo kokudibeneyo ukuba elinye iqela lithatha ukuhla. Ulwabiwo lweefa kufuneka lulungele ukunyamezela kwakho kunye nenani leminyaka ngaphambi kokuba ufune ukurhoxisa imali kutyalo-mali.
Ukuqala kootyalo-mali , sincoma i-stock exchange funds instead of stocks kwiinkampani ngabanye. Ngoba? Konke malunga nomngcipheko. Imali ekhethiweyo ye-stock joint fund ayikho ingozi encinane kunokuba isitokisini ngasinye kuba iimali ezixhamlileyo zityalo kwiinkampani ezininzi, ngaloo ndlela zisasaza ingozi. Ukuba elinye iqela lingenzi kakuhle, i-fund iyonke isenokubuya kwakhona. Ukuba uthengisa isitoreji kwinkampani enye kwaye inkampani yenza kakubi, ulahlekelwa yimali.
Ndiyifumana phi ulwazi malunga neeShishini kunye neeMali eziMali?
Xa usukulungele ukuqala ukhetha i-fund ukuze utyalomali, kukho ezininzi iiWebhsayithi ezilungileyo kakhulu ukukunceda.
Intsandwayo yam i-Morningstar, inkampani ehlonishwayo yenkampani yokuxhasa imali. I-Power Selector yabo enamandla ikuvumela ukuba ufune iimali ezixhomekeke kwizinto ezibalulekileyo kuwe. Ngokomzekelo, ukuba ufuna uluhlu lwemali evumela utyalo-mali oluqala lwama-$ 500 okanye ngaphantsi, unqakraza kwibhokisi efanelekileyo, ushiye zonke iibhokisi njengoko kunjalo, kwaye uza kufumana uluhlu lwemali olwamkela utyalo-mali lokuqala lwama-$ 500 okanye ngaphantsi, ngokubuyela kwabo kweYTD, ixabiso lentlawulo (inani lemali yokulawula kunye nezinye iindleko umlawuli wezezimali ezidlulayo ekubuyiseni kwakho ngonyaka), ukulinganiswa kwabo kweMasta, kunye nokunye. Cofa kwigama lomntu ngamnye kwaye ufumane iinkcukacha ezichanekileyo malunga neyo ngxowa-mali.
Emva kokuba ukhethe i-fund oziva ukhululekile ngayo, biza inombolo yabo 800 kwaye ucele i-prospectus (inkcazo yesikhwama, utyalo-mali, kunye neentlawulo ezifunyenwe kwixesha elidlulileyo) kunye nekiti yomtyalo-mali. Gcwalisa ifom, thumela ngemali yakho, kwaye ulaila! Utyalomali.