Nangona uyayithanda ngokwenene umsebenzi wakho, usuku luya kufika xa kufike ixesha lokutshiza ixesha lokugqibela kwaye uqale umhlalaphantsi wakho. Yaye xa loo mini ifika, uya kufuna ukuba nesicwangciso sezemali esinamandla kwindawo.
Injongo yakho yemali eyintloko kwiminyaka yakho yomsebenzi kukuba uqoke ngokwaneleyo ekulondolozeni isicwangciso - ukukhawuleza imali eyaneleyo yokuxhasa indlela yokuphila ngaphandle kokuhlawula ngokukhawuleza. Kodwa ukugcina imali eninzi kunokwenzeka nje kuphela: Kuya kufuneka kwakhona ukuba ulandele iirhafu , uqinisekise ukuba yiziphi iimali-mali eziza kukukhulisa imali yakho , i-akhawunti yeminye imithombo yemali engenayo yomhlalaphantsi, kunye necebo lokuthatha umhlalaphantsi.
Nazi izicwangciso zokwenza umhlalaphantsi.
A retirement Akhawunti
Ukugcina imali eninzi kufuneka. Uninzi lweengcali ziyavuma ukuba kufuneka ulondoloze ubuncinane iipesenti ezili-10 zengeniso yakho yonke unyaka, kwaye abaninzi bacebisa ukuba baphumelele kuma-20 ekhulwini, ukuba kunokwenzeka. Kodwa akukona nje malunga nokuba ungalondoloza bunjani - nokuba uyayilondoloza phi .
Kule minyaka embalwa edlulileyo, inqununu izame ukuvuselela ukugcina umhlalaphansi ngokuvumela ukudala i-akhawunti yomhlala-phantsi ekhethekileyo. Eyona nto inqabileyo yi- 401 (k) , enikwa ngabaqeshi abaninzi, kwaye ikuvumela ukuba unikele inedola engaphambili yerhafu kwi-retrait yakho nayo yonke imali yokuhlawula. Abaqashi abaninzi banika ukulingana neepesenti ezithile zeminikelo yenu, ekufuneka ihlawulwe ngemali.
Ezinye ii-akhawunti zomhlala-phantsi zingavulwa ngokuzimeleyo kumqeshi wakho. Eyona nto ibonakalayo yiAkhawunti yoMhlala-phantsi, okanye i-IRA. Iindidi "zeNdabuko" zale akhawunti zifana ne- 401 (k) , kuloo mali inokubanjelwa inkokhelo phambi kwentela; nikela iikhilomitha ezimbalwa zeedola kwi-IRA, kwaye imali ingancitshiswa kwiirhafu.
Olunye udidi lwe- IRA yiRoth IRA , apho imali incedisa irhafu yerhafu - oko kukuthi, awukwazi ukuthatha irhafu yentlawulo kuyo - kodwa ke ikhula kwaye iyakhutshwa ngaphandle kweerhafu kumhlalaphantsi.
Ukutshala imali yakho
Akwanele ukuba usindise iqoqo lemali kwi-akhawunti yomhlala-phantsi. Ukuqinisekisa ukuba imali yakho ikhula kwaye iyanda, kufuneka utyalomali .
Enyanisweni, ukuba uhluleka ukutshala imali yakho, kuya kubakho ukunciphisa ixabiso, kuba ayiyi kuhamba kunye nexabiso lentengo.
Ngoko ke kufuneka utyalomali ? Amasheya, ikakhulukazi - ngakumbi xa uselula. Ukutshala imali kwimarike yemasheya yindlela efanelekileyo kakhulu yokunyusa imali yakho, kunye nemali etyalomali kwimarike yemasheya iye yanda, ngokuphakathi, phakathi kwama-7 ukuya kwe-10 ekhulwini ngonyaka (kuxhomekeke kwindlela ozenza ngayo izibalo). Kakade, i-market market ayikho ngaphandle kwayo ingozi, kwaye ngamanye amaxesha iyahla. Yingakho i-potifoliyo yesitokethi iyona nto ibaluleke kakhulu xa uselula, kwaye unayo ixesha lokwenza nayiphi na ilahleko onokuyenza kwimarike. Njengoko ukhula, kufuneka ubeke ubuninzi bakho obulondolozo kwiimali-mali ezikhuselekileyo ezifana nezibophelelo, ngoko ungazibeka engozini yokulahlekelwa yimali kwimarike ngaphambi kokuba uthathe umhlalaphantsi.
Esikhundleni sokudlala ngokuthe ngqo imarike yemasheya ngokulondolozwa kwakho komhlalaphantsi, mhlawumbi ufuna ukubeka imali eninzi kwiimali kunye kunye ne-ETFs. Nangona ezinye zazo zilawulwa ngokunyanisekileyo ngabaphathi bezezikhwama abazama "ukubetha imarike," abanye bangabonakali ngendlela yabo. Naluphi na ukhethayo, ungakhetha utyalo-mali nge- 401 (k) umnikezeli okanye umrhwebi obeka kuyo i-IRA yakho.
Ingeniso yakho yomhlalaphantsi kunye neendleko
Imali eqhubekayo kwiakhawunti yakho yomhlala-phantsi iya kugqitywa isiseko somvuzo wakho womhlalaphantsi; xa usufikelele kumhlalaphantsi, unokuqala ukurhoxisa imali kwii-akhawunti njengengeniso.
Kodwa i-401 (k) kunye nee- IRA azizona kuphela iimithombo zengeniso yomhlalaphantsi. Abanye abantu-ikakhulukazi abo basebenza kwicandelo likarhulumente - baya kuba neempesheni endaweni ye-401 (k), banikeze ngemali efumanekileyo yokufumana imali enqunywe ngumvuzo wabo wangaphambili kunye neminyaka yengqesho.
Kodwa iipenshini ziba nzima. Into engabonakaliyo yoKhuseleko loLuntu, olunika isheke rhoqo kurhulumente; xa ulinde ixesha elide ukuqala ukulibiza, inkokhelo yakho enkulu iya kuba. Nangona livela kurhulumente, qaphela ukuba kusekho phantsi kwentlawulo.
Ngaphandle koko, kukho ezinye iindlela zokuzibeka kwiholo lemali yomhlalaphantsi.
Enye indlela enjalo i- annuity , uhlobo lwemveliso yomshuwalense wobomi obonelela ngeniso eqinisekileyo ngaphezu kwexesha elithile.
Isicwangciso esihle semali siya kubhala kule miithombo eyahlukeneyo yemali engenayo yomhlalaphantsi, kwaye uqwalasele indlela abahlangabezana ngayo neemfuno zakho zemali . Le nto yokugqibela ibalulekile, njengoko iindleko zakho ziyakubonakala zihluke kakhulu kunokuba zenzeke kwiminyaka yakho yokusebenza! Ngokomzekelo, ngelixa ufikelela kumhlalaphantsi umhlala-mboleko wakho wekhaya unokuhlawulelwa, ukunciphisa kakhulu izindleko zezindlu. Kodwa imali oyichithayo kwiibhilidi zonyango iya kuphakama njengoko ukhula. Isicwangciso sakho sokuthatha umhlala-phantsi kufuneka silindele iimfuno zakho zokufumana umvuzo, kwaye uqinisekise ukuba imithombo yakho yeengeniso ifunyenwe.
Ukuphindaphinda, nantsi iziseko zocwangciso lomhlalaphantsi:
- Londoloza iqela lemali
- Beka kwiakhawunti yomhlala-phantsi
- Invest in imali kwimarike yemasheya, uhlalutye ukwabiwa kwempahla njengoko ukhula
- Cinga iimfuno zakho zokufumana umhlalaphantsi
- Sebenzisa imali yakho yokugcina imali kunye neminye imithombo yokufumana imali ukuhlangabezana nezidingo
Ezi zizinto ezisisiseko zokugcina umhlalaphantsi, kodwa kukho izigqibo ezibalulekileyo zokwenziwa kwindlela-xa kuthatha uKhuselo loLuntu, yiziphi iintlobo zokutshala imali ekuthengeni, apho i-akhawunti yomhlala phantsi isetyenziswa, kunye nokunye. Sebenzisa izikhonkwane ngakwesobunxele nangaphantsi ukukukhokela kulezi zigqibo - kunye nomhlalaphantsi wakho wephupha.