Ukubeka iinjongo zoTyalo-mali ukufikelela kwi-Independence yezeMali

Ukugcina Iliso Lakho Kulo Mvuzo Unokukunceda Ukuphucula Ukugxila Kwakho

Ukufunda ukubeka iinjongo zotyalo-mali ngenye yezona zinto zibaluleke kakhulu onokuzenza njengomtyalo -mali omtsha kuba kukunceda ukuba ulandele apho ukhona, apho ukhona, nalapho uhamba khona ngokubhekiselele kwiimali zakho kunye nohambo lwakho ukuzimela kwemali . Iinjongo eziphambili zokutshala imali zizinto ezintathu ezifanayo:

1. Iinjongo zokutyalomali ezilungileyo zilinganiselwa. Oku kuthetha ukuba zicacile, zichanekile, kwaye zichanekile. Uthi kuwe, "Ndiya kubeka iinjongo zokugcina i-$ 50 ngeveki" luncedo kuba unokuvavanya iimali zakho kwaye unqume ukuba ngaba uphumelele okanye cha. Kungakhathaliseki ukuba wenze, okanye awuzange, ugcine i-$ 50 ngeveki. Ngokwahlukileyo, ukuthetha into enje, "Ndiya kubeka injongo yokugcina imali emininzi ngonyaka" akunakuncedo kuba ayinakuphendula.

1. Iinjongo zokutyalomali ezifanelekileyo zifanelekileyo kwaye ziqiqa. Ukuba uthe ufuna ukuba ufinyelele i-$ 1 yezigidi kwixabiso lomntu oneminyaka engama-40, unokusebenzisa izinto ezinjengexabiso lexesha lemali ukuze uvavanye ukuba ingaba isilinganisi sakho samanje sokonga sisanele. Awuyi kufika apho ngokubeka eceleni i-$ 5,000 ngonyaka phakathi kweminyaka eyi-18 no-40 kwimbali, ngokuphindaphindiweyo izinga lokubuyisela . Oku kuthetha ukuba ufuna ukunciphisa ukulindela okanye ukwandisa inani lemali oyisebenzisayo ngonyaka.
2. Iinjongo zokutyalomali ezifanelekileyo ziyahambelana neenjongo zakho zexesha elide. Nditshilo amaxesha amaninzi ukuba ndibale ngaphezu kweminyaka - ewe, ukuba uhlala ufunda umsebenzi wam, mhlawumbi ukhathele ukuba ndiwuthe - kodwa kukufanelekile ukuphinda, kwakhona, kuba umyalezo awunakuze ufikelele ipesenteji enkulu yabantu abaye baqulunqwa ukuba imali yodwa yinto ebalulekileyo: Imali sisixhobo esimele sibe khona ukukukhonza. Akukho Okuninzi. Akukho ncinane. Injongo yodwa yemali kukukwenza ngcono ubomi bakho; ukunika izinto ezikuvumela ukuba ube nolonwabo ngakumbi kunye nokusebenza. Akunakukwenza okulungileyo ukugqiba ngephepha elide kakhulu xa kuthetha ukuba ufanele uhlambulule yonke into ebalulekileyo ebomini bakho kwaye ugqibe ukufa, ushiye emva kwezithelo zomsebenzi wakho kwiindlalifa okanye nabanye abaxhamliweyo abangenakuxanduva okanye abangenalo ukubonga ngenxa yomsebenzi owawubanike wona. Ngamanye amaxesha, kungcono ukuba neqondo lokugcina elincinane kwaye ujabulele uhambo olungaphezu kwakho. Iqhinga kukuqinisekisa ukuba ubulumko ngokulinganisela iimfuno zakho zexesha elide kunye nexesha elifutshane elifunayo ngendlela ephakamisa uvuyo. Akukho mfuziselo yolu hlobo nje kuphela onokufumanisa ukuba yeyiphi i-trade-offs ozimisele ukuyenza; apho imibingelelo inokuhlawula igalelo elikhulu kuloo ndlela .

Imibuzo Ozozibuza Xa Ubeka Iinjongo Zotyalo-mali Zokuzimela Kwezimali

Xa uhlala phantsi uze uqale ukwenza iinjongo zakho zokutshala imali, zibuze le mibuzo ilandelayo ukukunceda ukucacisa ezinye zeengcamango zakho. Oku kunokuba luncedo kakhulu xa unitshatileyo, amaxesha amaninzi, abafazi abaqapheli ukuba ayimfuneko ukuba basebenze kwinqanaba elifanayo xa kufikelele kwimicimbi yezemali.

1. Ithni inombolo yakho"? Ukuze ufumane ukuzimela kwemali kwi-portfoliyo yakho, ingeniso engakanani yenyanga engayifumanayo ukuba uyayihoxisa ngaphezu kweepesenti ezi-3 ukuya kuma-4 ekhulwini lexabiso eliyinhloko unyaka ngamnye? Yiloo mali enokuyithatha ukuba ufuna ukuhlala kwikomkhulu yakho ngaphandle kokuba uthengise ixesha lakho komnye umntu ngelixa uthanda ukuhlala kuyo.
2. Yintoni ukunyamezela kwakho? Kungakhathaliseki ukuba uphumelele kangakanani okanye ukuba ungakanani imali oya kuyo, abanye abantu banamathele ngendlela eyenza ukuguquka kwintengiso yeepotfoliyo zabo kubangele amanqanaba amaninzi entlungu. Bafuna ukuphelela ngemali encinci kwixesha elizayo, kwaye banandipha umgangatho ophantsi wokuhlanganiswa, kodwa banokuhamba ngokukhawuleza. Ukufunda ukunyaniseka nawe malunga nokuba uwela ngaphi kuluhlu luyinxalenye enkulu yokukhula kwezemali. Ngokomzekelo, nangona kunokukubeka ekungalindelekanga phantsi kweemeko ezininzi, akufanele ube nesitokethi sokwakha ubutyebi . Kukho ezinye iiklasi zee-asethi ezinokusebenzela zona kwaye zinako ukukwazi ukuhlanganisa i-capital xa zilahlela i-dividends, interest, kunye / okanye ii-rents .
3. Iimpawu zakho zokuziphatha nezokuziphatha zichaphazela njani isicwangciso sakho sokuphatha iphothifoliyo? Ngamnye wethu ukhona njengenxalenye yehlabathi; iintshukumo zethu kunye nezigqibo ezithinta abo bajikelezileyo ngokubhetele okanye ngakumbi. Ufuna njani ukutshala imali yakho? Ngaba ukhululekile ukuba neengxowa zecuba? Kuthiwani ngesitokisi kubenzi bezixhobo? Ingaba unengxaki yokuziphatha ngokufumana izixhobo zokuphuza utshwala? Iinkampani zamandla ezinokwenziwa kwekhabhoni enkulu? Xa kuqhutyelwa ukutshiza, kufuneka wenze isigqibo malunga nokuba ungaphila ngokubhekiselele kwimali engenayo kunye nantoni ibhuloho kakhulu kuwe.

1. Ngaba uceba ukuchitha yonke inkunzi yakho ngexesha lokuphila kwakho okanye unqwenela ukushiya emva kwefa lemali kwiindlalifa zakho kunye nabaxhamli? Ukuba uchitha kwi-capital yakho, ithetha ukuba uya kukwazi ukunandipha izinga eliphezulu lokurhoxisa kunokuba unokuxhasa ngaphandle koko. Ukuba awunayo, uza kufumana umncinci omncinci wokufumana imali engenayo kwi-holdings yakho kodwa inqununu kufuneka ikhule ngaphezu kwexesha, ngaphandle kokuba ilawulwa ngenyameko, isebenze ngokufanelekileyo ngokulinganayo nesibonelelo. Ukumisela impendulo echanekileyo kuxhomekeke kwinani leembono kodwa inqaku elokuba umntu uza kuchitha loo mali. Kufuneka uqiniseke ukuba ngumntu ofuna ukumenza, nokuba uyenawe. Ukongezelela, ukuba uyishiya imali emva kwabanye ukuba ujonge, ngaba uya kukwenza ngokuchanekileyo, kungekho zixhobo ezixhomekeke kuyo, okanye uza kuseka i-trust trust ?

1. Ngaba uya kunciphisa utyalo-mali lwakho kwilizwe lakho okanye ukwandisa umhlaba jikelele? Nangona ukuphakanyiswa kobuzwe obuye bwenzeka ekuqaleni konyaka we-2016, imikhosi yobudlelwane behlabathi jikelele, inamandla, kwaye bathetha kunokuba nabani na onokufikelela kwi- akhawunti ye-brokerage bangaba ngumnini weefisi kwihlabathi lonke. Unokuba ngumsebenzi wezinyithi kwi-belt belt kwaye uqokelele izabelo ezivela eSwitzerland, eUnited Kingdom, eJamani naseJapan. Unokuba ngumfundisi waseCalifornia kwaye ubukele imali ephuma kwiindawo zakho zokuhlala eCanada naseFransi. Nangona oku kwazisa ingozi eyongezelelweyo yokulahleka kwezimali ngokusisigxina, kunye nezinye iingozi ezifana nemingcipheko yemali kunye nobungozi bezopolitiko, linika uninzi olubanzi kunye nokubonakala kwintengiso kwimisebenzi eyenzeka ukuba ibe bhetele kwisiseko esilungelelaniswe nengozi kunokuba bekuya kufumaneka kwipotifoliyo yasekhaya yedwa.
2. Yintoni ekukukhuthaza ukuba ufumane ukuzimela ngokwezimali? Ngelixa abanye abantu bengabasindisi bemvelo - bavame ukuqokelela ngaphandle kokufuna isizathu sokwenza njalo njengoko behlala ngaphantsi kweendlela zabo kwaye abazi ngokwenene ukuba benzani nommahluko - abaninzi abantu baqhutywe ngumbandela othile oyintloko okanye wesibini owenza ukuba babambelele. Kubaluleke kakhulu ukuba ukhangele ngaphakathi kwaye uphendule ngokunyanisekileyo umbuzo othi "Kutheni?". Kutheni unyanzelekile ukuba ugcine? Yintoni eyenza ufune ukutshala imali kunokuchitha okanye ukunikela ngemali egeleza ngezandla zakho? Ngokuqhelekileyo, ngokufikelela entliziyweni yaloo mbuzo, unokwenza ngcono iphothifoliyo yakho ukuze ufezekise nantoni na ukuba uyayifumana.
3. Ngaba uyakwazi ukulawula iphothifoliyo yakho ngokwakho? Lo mbuzo unokuba nzima kwabanye abantu ukuba baphendule ngenxa yokuba bazive benyanisekile ngokwabo kuthetha ukuvuma ukungaphumeleli. Yiyonto. Injongo kukufumana oko ufunayo kwipotfoliyo yakho, kungekho ngandlela-thile ubonisa ukuba uyinkosi yendalo yonke. I-Vanguard, enye yeenkampani ezinkulu zokuphathwa kwee-asethi ezixhasayo ngemali kunye kunye neengxowa-mali ezixhaswa ngemali -mali ehlabathini, iqikelelwe kwelinye lamaphepha alo amhlophe ukuba umtyalo-mali othe wongeza, emva kwexesha, umnatha o-3 okanye imali yokubuyisela imali ngokuqesha omnye wabacebisi ngokusebenzisa isakhelo ababekayo kwiingxabano zabo; ukuba imali ephakamileyo yokucebisa imali ehlawulwayo ingaphezulu koko yenziwe ngenxa yokuhlanganiswa kokuguqulwa kokuziphatha, ukukhokelwa kwerhafu, uncedo lwezemali, kunye nezinye iinkonzo ezizuzisa umxhasi. Unokufunda ingxabano yabo kwi-Vanguard Research yoSeptemba 2016, "Ukubeka ixabiso kwixabiso lakho: Ukulinganisa i-Vanguard Advisor's Alpha". Ngamanye amazwi, ixabiso leendleko libala ngokubanzi njengeendleko ezicacileyo ; umyalezo ohlala ulahleka kwixesha lezandi, izikhalazo kunye nokunyaniseka.
4. Iiklasi ezahlukeneyo zeempahla zihambelana njani nobuntu bakho kunye nesimo sengqondo? Ndiyaqonda ukuba sele sithintele kancinane kule nto kodwa le ngongoma ihluke kwaye ifuna ukuxoxwa ngokuqhubekayo. Ubuntu buhluke. Ngamnye wethu unamathele ngokuhlukileyo. Sinezinto esizithandayo kunye nezinto ezingathandekiyo; izinto ezenza sivuyiswe kunye nezinto ezenza sishukukuthele. Kanye njengokuba abanye bakhetha inkabi okanye inkukhu, kukho iindlela ezininzi zokwenza, kwaye utyalomali, imali kule hlabathi njengoko uqhuba uhambo oluya ekuzimeleyo kwemali. Cinga, okwesikhashana, i- real estate . Ixabiso eliye lahlala lide lide ngaphambi kokuba iimarike zamasheya zivele. Ngaphandle kwemali-mboleko, yenye yezona zithethe zamandulo. Uyithenga isiqwenga somhlaba omnye umntu afuna ukuyisebenzisa, uvumela ukuba bawusebenzise ixesha elide elimiselwe ngaphambili phantsi kwechungechunge leemvumelwano kunye nezentlalo kunye nezithethe zenkcubeko ezichazayo iinkcukacha ezithile zesivumelwano, kwaye, ngokutshintshana, ihlawulwa imali, ebizwa ngokuba yerenti. Nangona kunjalo, phakathi kwezibophelelo zakho, kufuneka uqinisekise ukuba ipropati igcinwe kwiqondo elaneleyo. Ukuba uzimisele ngokuhlala kwindawo yokuhlala kunye neyendlu yangasese ephakathi kobusuku, ufumana umnxeba ngaphandle kokuba uhlawule inkampani yokuphatha indawo yokuhlala ukujongana nale mibuzo. Umqashi wakho unokuhlakulela ingxaki yokulutha kweziyobisi kwaye athengise izixhobo. Uyakwazi ukuba ngumgcini kunye nokutshabalalisa ipropati enokuthi igwetyelwe ngumzi. Yiyo yokurhweba. Ezi ngxaki ezinokuthi ziphakathi kweendleko kufuneka uzilungele ukuhlupheka xa ufuna ukufumana inzuzo yengeniso. Akukho ndlela yokwenene yokuyijikeleza. Ubomi. Ngokomntu, andiyifumani loo nto ibonakalayo. Ngenxa yoko, ndijonge ukugxila kumashishini abucala kunye nokugcinwa kwamasheya oqhelekileyo, njengama-stocks eziqhelekileyo, kumsebenzi wam ngenxa yokuba ezo zorhwebo zibandakanya ungakhathazeki phantse. Ngaba ndize ndibe ngandlela-thile ngandlela-ntlonelo kwiingxowa-mali ezithengiswayo, mhlawumbi kuya kuba yintengiso yeentengiso ngenxa yesivumelwano sokuqeshisa ixesha elide kunye nenyaniso yokuba ndiza kuthethisana nabathengi benkampani kwaye kungekhona ngabanye. Kungcono kuhambelana nobani. Anditsho ukuba andizange ndiqwalasele indawo yokuhlala yangaphandle kodwa ndiyazi i-trade-offs kwaye kuya kuthatha iimeko ezikhethekileyo ukuba ndiwele iRubicon ethile.
5. Liliphi ixesha lakho lokujonga? Nangona iqela le-asethi okanye utyalo-mali oluthile luhambelana nobuntu bakho, isimo sengqondo, ukubaluleka, imeko ye-liquidity, kunye nezinto ezithandayo, oko akuthethi ukuba yinto elungileyo enikezelwayo ukuba ixesha elide phambi kokuba ufune ukulufakela ukuze uhlawule nga lungani. Ngokomzekelo, masithi unayo imali eyi-$ 100,000 yokubeka ukusebenza kodwa ucinga ukuba uya kuyidinga ngeminyaka emihlanu. Kungakhathaliseki ukuba kukhangeleka njani ithuba, ukuba unikwe ithuba lokutyalomali kwishishini elizimeleyo elingazange libe nesiganeko esicetywayo kwaye ayizange ihlawule igalelo, mhlawumbi akunakho ukuqiqa ukuba wenze utyalo-mali njengoko unesidingo sokutyalomali ayikwazi ukudibana-oko kukuthi, ukubuyiselwa kwemali okanye ukulingana kwemali kwiinyanga ezingama-60.

Ewe, ezi zimbalwa zezinto omele uziqwalasele kodwa akufanele uzigubungele. Yenza okokuqala ekuqaleni, yenza izigqibo ezibaliweyo kwiinjongo zakho zezimali, kwaye uya kufumana ukuba izinto ziba lula kakhulu.