Ukwenza isigqibo esiphezulu malunga nokuba kwaye usebenzisa njani ezi ntlawulo kungenza umehluko omkhulu kwizinga lakho elizayo lokukhusela umhlalaphantsi.
Ngezantsi zizinto ezine oza kuthanda ukuzenza ukuze ulungele naziphi na izimo zezimali ezizayo.
1. Ukwandisa izinga lakho lokulondoloza nokuqwalasela izinga lakho lomngcipheko
Ukwenza okungakumbi, kuyona kufuneka uyigcine ukuze ukwazi ukugcina impilo yakho yonke imihla. Yaye ukuba uthe wahlawuliswa kwakhona kufuneka ugcine ingqalelo kwinqanaba lomngcipheko wezempilo ovelele kuwo.
Amagosa amanyathelo amashishini ahlakaniphile endisebenza nawo, omnye kumbhali wecandelo, omnye kumashishini ezobugcisa, waqaphela ukuba isimo sabo asikwazi ukuhlala ngonaphakade. Bayazi ukuba isikhundla sabo kufuneka siphele ukuba ukufakwa endaweni yabo ehlawulwa kakhulu kungabi lula. Bakusindise kangangoko kunokwenzeka kwiminyaka yabo ephezulu yokuzuza. Omnye wabanjwa ngo-2008 waza wachitha iminyaka emithathu efuna umsebenzi. Isicwangciso sakhe sokulondolozwa kweengxowa-mali zokulondoloza imali ngelixa imali yakhe engenayo ihlawulwe kakhulu.
Ngethuba ekuphezu kweminyaka yakho yokufumana imali, kugxininisa ukwakhiwa kwemali engaphezulu kwemali, ukuxhaswa ngemali kunokwenzeka kwi 401 (k) kunye nezinye izicwangciso zenzuzo, ukufumana isicwangciso sezemali, nokugcina izakhono zakho ezifanelekileyo.
2. Sebenzisa iziCwangciso zoMbuyekezo eziMiselweyo ngokuSigxina kwexesha lokuhlawula
Ukuhluka kobuninzi kwezicwangciso zeenkcukacha ezichasiweyo zinikezelwa ekuphatheni okuphezulu kunye nokusebenza kwamashishini. Leli gama eliqhelekileyo kwisicwangciso esinjalo yiSERP (isicwangciso sokuthatha umhlalaphantsi esongezelelweyo), kodwa kungabizwa ngokuba nezicwangciso zeetatshi eziphezulu, izicwangciso ezixhamlayo, okanye izicwangciso zokulingana.
Ezi zicwangciso zivumela ukuba ucacise umhla ozayo xa kuya kuhlawulwa intlawulo. Abaninzi abantu bakhetha ngokukhawuleza imihla yokuhlawula ngaphandle kokuqwalasela imiphumo yerhafu okanye ukuba lo mhla wokuhlawula umhla ozayo ungangena njani kumhlala-phantsi okanye kwizicwangciso zomsebenzi ezizayo. Ngokuqhelekileyo bafumana isamba semali emhlala phantsi okanye xa beshiya inkampani. Le nto ayisoloko isona silumkileyo kunendlela yokufumana le mali.
Xa ukhetha ngokukhawuleza ixesha lokuhlawula iikhompyutheni ezichasiweyo, ungahlala unciphisa iirhafu kwaye wenze ukulungelelaniswa kwengeniso njengoko utshintshela umhlalaphantsi. Ngokufanelekileyo, uya kugxininisa imihla yokuhlawula ukwenzela ukuba iziphumo zerhafu zisasazeka kwixesha elide lekhalenda.
3. Ukunciphisa ukuboniswa kweNkampani yeStock
Uninzi lwabaphathi be-corporation banomlinganiselo ongeyantlukwano wokubambisa kwabo abanamathele kwisitokisi senkampani abasebenza kuyo. I-Stock ingafika ngesimo se-non-qualified or incentive stock options, ii-unit units ezincinci, kunye nomrhumo wokulinganisa umqeshi okanye i-ESOP (isicwangciso sobunikazi bezithuba zabasebenzi) ngaphakathi kwisicwangciso somhlala-phantsi. Abanye abantu baze bathenge i-stock ngaphezulu kwisaphulelo ngokusebenzisa i-ESPP (isicwangciso sokuthengwa kwesitoko sabasebenzi).
Awufuni isabelo esikhulu somnatha wakho kunye neholo lakho elizayo elibophelelwe kwimpumelelo yenkampani enye.
Ukudala isicwangciso sokuhlula isitokisi senkampani sihlakaniphile. Kufuneka wenze oku. Ngezantsi kukho uluhlu oluthile lweentlobo ezintathu zeempahla eziphuma kuzo ukucinga.
- Ukusebenzisa okukhethiweyo kwempahla yakho - Kukho iintlobo ezimbini zokukhethwa kwezitokisiso, iindlela zokukhuthaza, kunye nezindlela ezingafanelekanga . Ngamnye unendlela eyahlukileyo yokuhlawulwa irhafu. Sebenzisana neengcali zerhafu okanye ucwangciso lwezocwangciso lwezemali ukwenza isicwangciso sokuphuma kwisicwangciso-qhinga ukuze uthengise iindlela zokukhetha xa uhlawula imali encinci yerhafu.
- Ukwenza isicwangciso-qhinga sokuthengisa amasheya esitokisini - Ukuba unesitokethi se-RSU, utyalo-mali lwe-ESPP, okanye ngenxa yokuba uthenge enye, ungasebenzisa izicwangciso zokufowunela ezifakwe kwiifowuni xa ubeka ixabiso lokuthengisa. Oku kungaba yindlela enhle yokuba abo banqwenela ukuba bahlule ngezabelo ukudala isicwangciso sokunciphisa umngcipheko wabo wokubeka ingozi kwisitshixo esisodwa.
- Mhlawumbi ubambe isabelo kwizicwangciso zabaqeshi - Isitoreji kwisicwangciso somqeshi sihlobo saloo mfuyo ongenakufuna ukuphuma kuso. Ngempahla evela kumnikelo ohambelana nomqeshi, unokhetho olukhethekileyo lokusabalalisa umhlala phantsi, into ebizwa ngokuba yixabiso elingenakulinganiswa okanye i-NUA. Ukunikezwa kwe-NUA kukuvumela ukuba usasaze i-stock yenkampani kwisicwangciso sakho somhlala phantsi, uhlawule irhafu yerhafu ngokuqhelekileyo kwixabiso lentengo, kwaye ufumane inzuzo ekuphathweni njengenzuzo yexesha elide-ehlawulwa irhafu kwizinga eliphantsi ngeniso.
4. Sebenzisa iiNkonzo zoPhuhliso lwezeMali
Ezinye iinkampani zihlawula iinkonzo zezocwangciso zezemali kubaphathi kunye nabaphathi abaphezulu ngokusebenzisa inkampani ekhethiweyo. Ukuba inkampani yakho ayenzi nto, cinga ukufuna iinkonzo zemali-kuphela (oku kuthetha ukuba akukho khomishini) umcwangcisi wezemali onomthwalo onyanzelekile kuwe.