Ukwabiwa kwakho kwiibhondi kuxhomekeke kwiimfuno zakho zokurhoxiswa kwixesha elizayo
Xa unomhlala-phantsi , unomlinganiselo onokuqikelelwa, ozinzileyo wenzuzo.
Abanye abacebisi ngezezimali baza kuthi bathabathe umhlala-phantsi uzalise indima yeebhanki kwipotfoliyo yakho, kwaye ke ukuba unempensheni enkulu, unokuba nobudlova kunye notyalo-mali lwakho kwaye unikezele ngaphezulu kwiibhoksi.
Indlela yokwabela ngokusekelwe kwiimfuno zakho zeNgeniso
Makhe sijonge ababini abahlala phantsi, abo bafuna nganye i-$ 60,000 ngonyaka ukuze baphile ngokufanelekileyo kwimhlalaphantsi.
Umhlala-phantsi 1 - ePensheni ePhakamileyo
Umhlala-phantsi 1 une-$ 250,000 egcinwe kwi-401 (k) isicwangciso kwaye ulindele ukuba nemithombo elandelayo yemali emva kokuthatha umhlalaphantsi:
- I-$ 45,000 ngonyaka ukusuka kumhlalaphantsi
- U-20,000 $ ngonyaka ukususela kwi-Social Security
NgamaRandi angama-65,000 wenzuzo eqinisekisiwe ngonyaka, i-Retiree 1 ineendleko zabo ezilindelekileyo kumhlalaphantsi. Lo mhlala-phantsi awudingi i $ 250,000 kwi-401 (k) isicwangciso seendleko zokuhlala kumhlalaphantsi. Isigqibo sabo malunga nokuba kuninzi kangakanani ukunikezela kwiibhonkco kufuneka kusekelwe kulindeleke malunga namazinga okubuyela kunye nenqanaba lokuthuthuzela ngengozi.
Umhlala-phantsi 1 unokuwudlala ukhuselekile, njengoko bengenaso isidingo sokudubula kwimbuyekezo ephezulu. Okanye, ukuba i-Retiree 1 iyaqonda ukunyuka kweemvelo kunye nokuhla kweemarike zamasheya, bangabela i-100% yabo 401 (k) kwisitokethi, kwaye baxoshe imali kuphela emva kweminyaka ngokusebenza kakuhle. Ngenxa nje yokuba banomhlala-phantsi, akusiyo isigqibo esithatha ngokuzenzekelayo ukunikezela ngaphantsi kwamabhondi.
Yinkalo yeemeko kunye nezinto ezikhethayo. Umhlala-mva olandelayo uphantsi kwimeko ehlukileyo.
Ukuthatha umhlalaphantsi 2 - Umhlalaphantsi osezantsi
Umhlala-phantsi 2 unayo i-$ 250,000 egcinwe kwi-401 (k) isicwangciso, kwaye ulindele ukufumana imithombo elandelayo yemali emva kokuthatha umhlala-phantsi:
- $ 25,000 ngonyaka ukusuka kumhlalaphantsi
- I-25,000 $ ngonyaka ukusuka kwiNtlalo yoKhuseleko
Ngama-50,000 engama-50,000 engeniso eqinisekisiwe, umhlala-phantsi wesi-2 uya kufuneka ahoxise i-R10 000 ngonyaka ukusindisa kwakhe ukufumana imali engama-60,000 ngonyaka ngonyaka. U-R10 000 ulwahlulo-mali lwama-250,000 alingana ne-4%. Ukuba utyalo-mali luhlelwe kakuhle, ukuhoxisa i-4% ngonyaka kunokwenzeka .
Ukufezekisa oku, i-Retiree 2 iya kufuna ukulandela isetyenzisiweyo solawulo lwezinga lokurhoxisa okubhekiselele ekunikezeni okungaphezulu kwama-70% kwi-stocks kwaye akukho ngaphantsi kwe-50%. Oku kushiya phakathi kwe-30% ne-50% eyabelwe iintlawulo. Umhlala-phantsi 2 unomhlala-phantsi, kodwa isigqibo malunga nokuba kuninzi kangakanani ukwabiwa kwiibhonkci kunqunywe ngumsebenzi imali kufuneka uyenze - kungekhona ukuba ingaba kukho, okanye ayikho ipension.
Ngenxa yokuba umhlala-phantsi 2 kufuneka uthembele kwingeniso evela kwi-401 (k) abanalo inkululeko eninzi ngendlela yokwabela utyalo-mali njengoMhlala-phantsi 1. Ukuthatha umhlala-phantsi 1 akufumani nto kwaye kulungile.
Umhlala-phantsi 2 ufuna i-$ 250,000 ukuba asebenzele kwaye azuze ukubuyela ngokufanelekileyo, kodwa ngelo xesha, abanako ukuthatha ingozi enkulu kwaye balahlekelwa yimali.
Bobabini abahlala phantsi banesicwangciso, kwaye isicwangciso sinceda kubonise uluhlu lwezinto zokwabiwa ezifanelekileyo kwiimeko zabo. Uninzi lwabathathe umhlala-phantsi kufuneka lunqume indlela yokwabela utyalo-mali ngokuqala ukwenza icebo lokufumana umhlalaphantsi elibonisa umsebenzi ozayo umvuzo oza kuwufeza.
Indlela Ulwabiwo lweBond lusebenza ngayo
Ukuthatha umhlala-phantsi 2 kungatyala inxalenye yemali yabo yokuthatha umhlalaphantsi kwiibhondi ngokuthenga uluhlu lweebhondi apho ixabiso elithile likhula minyaka yonke. Oku kubizwa ngokuba yi- bond ladder . Njengoko befuna ukurhoxisa i-$ 10,000 ngonyaka, kuya kuba nengqiqo ukuthenga i-$ 10,000 yezibophelelo ezikhula ngonyaka ngamnye kwiminyaka elishumi yokuqala yomhlalaphantsi. Oku kuya kubangelwa i-$ 100,000 eyabelwe iibhondi, okuyi-40% yeakhawunti engama-250,000.
Unyaka ngamnye njengoko i-$ 10,000 ikhula iyakususwa kwaye ichithe. Le nkqubo yokuqhathaniswa kotyalo-mali ukuya kwinqanaba ngexesha aya kufuneka ukuba lisetyenziswe ngamanye amaxesha libizwa ngokuba liqela lexesha .
Iingamali eziyi-150,000 zamaRandi ziza kubelwa ngokupheleleyo kwi-index index. Ukutshatyalaliswa kwexesha elifutshane kungeke kubandakanyeke, njengoko iibhondi ziya kuba khona ukulungiselela iimfuno zokurhoxisa zangoku. Ngaloo ndlela kukho ixesha elininzi lokulinda nayiphina iminyaka esezantsi kwimarike yemasheya. Ukucinga ukuba i-stocks average average 7% ngonyaka kwiminyaka elishumi ezayo, babeza kukhula ngokwaneleyo ukuba indlela eya ku-Retiree 2 yayiza kuthengisa izitoko kwaye ithenge iintsimbi ezingaphezulu ukuzalisa ezo zikhule kwaye zachithwa.
Ngokomzekelo, masicinge omnye unyaka kamva, i-150,000 isabelo se-150,000 esabelwe isitokhwe senyuke ku-7%, kwaye ke kuyaxabisa i-$ 160,500. Umhlala-phantsi 1 uthengisa i-$ 10,000 kwaye uyisebenzise ukuthenga isibophezelo esakhula kwiminyaka elishumi. Okwangoku, kuthatha umhlala-phantsi wokuthatha umhlala-phantsi 1, uya kuchitha i-$ 10,000 kwi-bond ekhulile kulo nyaka. Ngale ndlela, umhlala-phantsi 1 uza kudala i-pseudo "umhlalaphantsi weminyaka elishumi" apho iimfuno zokurhoxiswa ziqhutywe ngokuqhubekayo kwiminyaka elishumi elandelayo.
Ukufumana ipenshoni ngokuqinisekileyo kuzisa ukhuseleko olongezelelweyo kwiminyaka yakho yomhlalaphantsi. Kodwa akuthethi ukuba ufanele utshintshe indlela ubeka ngayo ezinye i-akhawunti yakho. Ulwabiwo-mali lwakho kufuneka luqhutywe yiplani yakho yemali kunye nokusetyenziswa kweprojekthi yakho.