Nguwuphi uhlobo loTyalo-mali? Yazi Uhlobo Lwentengiso Yakho Ukubeka Iinjongo Ezifanelekileyo.
Siyazi ukuba kubalulekile ukuba ngumtyalomali. Kodwa kuxhomekeka kwimibandela eyahlukeneyo, bobabini kunye nobuchwepheshe, kukho iindlela ezahlukahlukeneyo ekufuneka imali yethu ifakwe ngayo. Ukongezelela, kukho yonke imikhosi engaphandle ekwazi ukubeka iphothifoliyo yethu engozini, kubandakanywa ukunyuka kwamaxabiso, ukunyuka kweemarike zentengiso, kunye nokuhlala kwimeko yezoqoqosho.
Ngoko unokwenza njani izigqibo kwipotifoliyo yakho?
Isinyathelo sokuqala kukufumanisa uluphi utyalo-mali? Ngokuxhomekeka kohlobo lwenu, uya kuba neenjongo zokuhluka ngokuxhomekeke kwiimeko zakho zobomi.
Iintlobo ze-5 zoTyalo-mali: Nguwuphi na onjalo?
1. Kungekudala ukususa umhlalaphantsi
Ukuba awukho kufuphi nomhlalaphantsi, oku kungabakho uhlobo lwakho. Unokukhathazeka ngokuqalisa isicwangciso sotyalo kunye nokuzinyamekela, intsapho, kunye neendleko zokuphila ezisisiseko.
Isicwangciso sakho sokutshala. Qinisekisa ukuba ulondolozo lwakho lokugqibela kunye neenjongo zokutyalomali zibandakanya umhlala-phantsi, inkxaso-mali yekholeji, kunye nokunikezela okuncedo. Xa usenza oku, qaphela ukuba ungakanani ukonga kwakho okufuneka ubeke kuzo nganye kwezi njongo. Ukwazi ezi njongo kuya kunceda ukuchonga ukuxuba okufanelekileyo.
Ukuhamba KWEMALI. Sebenzisa iNtela, iSondlo, Ubomi (TSL) ukulungiselela uhlahlo lwabiwo mali.
Cwangciso soRhafu. Khangela iindlela zokwandisa iirhafu ezifana nokuhlawulwa kwentlawulo karhulumente okanye isicwangciso sokunciphisa irhafu.
Ucwangciso lwezindlu. Uzakufuna ukwenza izigqibo ngokwemiqathango yeentlobo zee-akhawunti zokubamba iifayili zakho kunye kunye nezikhundla ezifanelekileyo ezixhamlayo.
2. Ngokukhawuleza Ukuthatha umhlalaphantsi
Ukuba uceba ukuhlala phantsi kwiminyaka emi-5 ukuya kwe-10, oku kungaba luhlobo lwakho. Kulo mzekelo, unokufuna ukwazi ukuba uza kuthabatha umhlala-phantsi kwiminyaka embalwa kunye noko kufuneka ube khona endaweni ongekho namhlanje.
Isicwangciso sakho sokutshala. Yakha isicwangciso sotyalo-mali sokuthatha umhlalaphantsi " esizalisa amabhakethi ."
Ukuhamba KWEMALI. Cinga malunga nokuba kungakanani ukuza ngokuchasene nokuba lukhulu kangakanani. Imfuno yengeniso yemali kunye nokuhamba kwemali ekhoyo ngokuqwalasela ukhuseleko loluntu, ipension okanye nayiphina imithombo yemali engenayo. Qinisekisa ukuba uyagcina kwaye uchithe imali yakho engaphezulu kwiindawo ezifanelekileyo ezifana neRoth IRA, 401 (k) okanye iiplani ezingama-529.
Cwangciso soRhafu. Qala ukukhangela indlela yokwandisa irhafu yakho. Thetha nomcebisi wezezimali ukukunceda uqonde isicwangciso sakho sokulawula ubutyebi kubandakanya izinto ezinjengokukhethwa kwezinto, ukucwangcisa izicwangciso, ukuchithwa kweerhafu, ukuchithwa kwesicwangciso sokuxhamla, kunye nezigqibo zokuguqula iRoth.
3. Umnini-shishini
Ukuba ungumnikazi webhishini kunye neempumelelo kunye nempumelelo yakho, unokufuna ukujonga indlela yokulawula ukuhamba kwemali eqhubekayo oyenzayo.
Utyalo mali. Qinisekisa oko okulondolozo lwakho kunye neenjongo zokutyalomali zibandakanya umhlala phantsi, inkxaso-mali yekholeji, ukunikezela ngokuzithandela, ngoko ufumanisa ukuba uninzi lwayo lokulondoloza olufunekayo ukwabelana kuzo nganye kwezi njongo. Ukwazi ezi njongo kuya kunceda ukuchonga ukuxuba okufanelekileyo.
Ulawulo lokuhamba kwemali. Enye yemibuzo ebalulekileyo kunokuba abanikazi boshishino bajongane nento yokwenza ngemali yabo.
Abanikazi bamashishini kufuneka baqaphele ukuba benze ntoni ngeemali zenyanga, ngekota, okanye zonyaka zemali ezifunekayo ukuba zigcinwe ixesha elide kwaye zifakwe kwisicwangciso sokunikezelwa kweefa jikelele.
Ucwangciso lwe-inshurensi Ngeshishini eliyimpumelelo, kufuneka uqiniseke ukuba wena kunye nabalingani bakho baqinisekisiwe ngokufanelekileyo xa kwenzeka into ethile kwiqela.
Ukucwangcisa umhlalaphantsi. Ukuseka isicwangciso somhlala-phantsi seenkampani ukufezekisa zonke iinjongo zakho. Ukuba necebo elifanelekileyo lokufezekisa iinjongo zakho zexesha elide lingaba yindlela enhle yokuvelisa irhafu echazwe ngerhafu enokuthi isebenze inzuzo yakho kunokwenzeka, kwakunye nokukhonza njengenzuzo kubasebenzi bakho.
4. Umthengisi wezorhwebo
Ukuba usebenze kanzima ekukhuleni ishishini lakho kwaye usemgangathweni lokuthengisa (okanye uthengise), mhlawumbi ufuna iyona ndlela enokukhetha ukutshala imali yemali.
Isicwangciso sakho sokutshala. Khangela oko ukulondolozo lwakho kunye neenjongo zokutyalomali zibandakanya umhlala phantsi, inkxaso-mali yekholeji, ukunikela ngokuzinikela, uze ubone ukuba ulondolozo lwakho oluninzi olufunekayo lwabiwe kwiinjongo nganye. Ukwazi iinjongo zakho kuya kukunceda uqonde imbono yokuxuba ulwabiwo-mali.
Ulawulo lokuhamba kwemali. Ukuba unjengabanini banini-shishini, uhlala uphila ngokubanzi phantsi kweendlela zakho, kodwa awukho i-100% eqinisekisileyo ukuba unani lweemfuno zakho zemihla ngemihla ngenxa yokuba iindleko zakho ezininzi ziqhutywe okanye ngaphakathi kwishishini. Iinyanga ezimbalwa zokuqala emva kokuthengiswa kuya kufuneka ukuba zixhaswe ngemali ngeesabelo semali kuze kube yintoni imfuneko yenyani imiselwe.
Ucwangciso lwezindlu. Amaxesha amaninzi, ukuthengiswa kweshishini kuya kuguqula ngokupheleleyo isicwangciso sefa. Kubalulekile ukusebenza kunye nommeli wecebo lokuhlala kunye nomcebisi wakho ukuqinisekisa ukuba ixabiso lithengiswa kwaye liqhutywe kwiinkampani ezifanelekileyo ezinengqiqo kwintsapho yakho ngezizukulwana ezininzi.
Ucwangciso lwe-inshurensi Ngokuxhomekeke kubukhulu bokuthengiswa, unokufuna umgaqo-nkqubo omtsha. Ucwangciso olufanelekileyo lwe-inshurensi luyintloko
5. Umxhamli
Ukuba ungumzuzi, unokufumana ilifa okanye imvula ngeemeko ezingalindelekanga okanye isiganeko. Unokuba uzama ukufumanisa indlela yokulawula le mali enkulu yempahla xa ungenayo le mali ngaphambili.
Isicwangciso sakho sokutshala. Qinisekisa ukuba ulondolozo lwakho kunye neenjongo zotyalo-mali zibandakanya umhlala-phantsi, inkxaso-mali yekholeji, kunye nokunikezela ngokucebisa, uze ubone ukuba ulondolozo olunjani olufunekayo ukwabelana kuzo nganye kwezi njongo. Ukwazi iinjongo zakho kuya kukunceda ubone ukuxuba ulwabiwo-mali.
Ucwangciso lwezindlu. Le ntshukumo entsha inokutshintsha indlela ocinga ngayo ngokulondolozwa kwakho, umhlalaphantsi, kwaye ekugqibeleni uhlala kunye nefa lakho.Ungadinga ukucinga ngokutshintsha ngubani ojongene nokuphatha ifa lakho kwintando yakho kunye nabani abaxhamliweyo. Yakha iqela elithembayo ukuqinisekisa ukuba isakhiwo seakhawunti kunye nesicwangciso sitshatile ngokufanelekileyo nesicwangciso sendawo.
IInshshu. Khangela kwipolisi yakho ukubona ukuba kufuneka ihlaziywe. Ngaba kunokwenzeka ukuba ungaphantsi kwe-insured ngenxa yexanduva elingaba libalaseleyo ngenxa yokufa komnye okanye bobabini? Okanye, ngenxa yempesheni eyathathwa ngaphandle kokukhethwa kwezinto zokusindisa, i-mortgage enkulu kwikhaya leprayimari okanye leyesibili, okanye imfundo yomntwana engasayi kubalwa, iyalondolozwa okanye ihlelwe? Esinye isizathu somgaqo-nkqubo omtsha singenokuba nenjongo yokucwangciswa kwezinto okanye ngenxa yokuba kufuneka uhlawule i-bill enkulu yentlawulo ngexesha lokufa. Oku kunako konke ukunyamekelwa ngocwangciso olufanelekileyo lwe-inshorensi.
6. Umhlala phantsi
Ukuba uhlala phantsi okanye malunga nokuthatha umhlalaphantsi kwiinyanga ezili-6 okanye ngaphantsi, mhlawumbi uzama ukunquma imali engakanani oyifunayo ukuze uphile ngokukhululekile okanye indlela yokutshala imali ukuze wenze umrhumo wokufumana umvuzo ngexesha lokuthatha umhlalaphantsi.
Ucwangciso lwezindlu. Izigqibo ezinjengeziphi iintlobo zeakhawunti zokubamba ixabiso kwi-trusts, i-JT yokuhlala, ngamnye umntu, njl.) Kunye nokuchongwa okufanelekileyo kubaxhamli kubalulekile ekuthwaleni isicwangciso sezinto ezivela kwiintando ngokudlula impahla ukuze ziindlalifa.
IInshshu. Ngaba uyayiqonda ukuba kutheni unayo loo nkqubo yomshuwalense ukusuka kwiminyaka engama-30 edlulileyo? Kukho imibuzo eninzi ekufuneka ihlaziywe kunye nezimpendulo.
Ukucwangciswa kwexesha elide. Kufuneka kuqwalaselwa kwaye iqondwe kwimeko yesicwangciso sakho kunye nesimo ngaphambi kokuba wenze isigqibo sokuba kulungile wena nentsapho yakho.
Izicwangciso zerhafu. Qinisekisa ukuba zonke izicwangciso zokutyala ezisetyenziselwa kakhulu kwiyona ndlela yerhafu-eyaneleyo. Kukho izinto ezininzi zokuqwalasela ukuba umcwangcisi wakho wezemali unokuhlaziya kunye nawe.