Indlela yokwenza lula inkqubo yoCwangciso loPhulo lwaBasebenzi
Umzobo ophuma kuyo
Bala indlela oza kuyidinga ngayo ukuxhasa iindleko zokuphila xa uthatha umhlalaphantsi.
Omnye umgaqo-jikelele we-thumb uthi kufuneka uhlose i-80 ekhulwini yengeniso yakho yangoku. Ukuba wenza i-$ 100,000 ngonyaka, umzekelo, kufuneka uzimisele ukufumana umhlala-phantsi wemali eyi-80,000.
Kodwa andivumi nale ngcamango. Umntu owenza i-$ 100,000 ngonyaka kwaye uchitha yonke i-dime ehlukile kunomntu owenza i-$ 100,000 ngonyaka kwaye uhlala kwi-30 ekhulwini yengeniso yakhe.
Ngoko ke ndincoma indlela eyahlukileyo: qwaba ukucinga kwakho ngendlela ochithayo okwangoku, kungekhona ukuba ufumana ntoni ngoku .
Cinga ukuba imali oyichithayo ngoku kuya kuba ngokulinganayo nomlinganiselo oyisebenzisayo xa uhlala phantsi. Ngokuqinisekileyo, unakho ukukhululeka kwiindleko zangoku ezifana ne-mortgage yakho ngexesha lokuhlala umhlalaphantsi, kodwa mhlawumbi uya kuthatha iindleko ezintsha ezifana nokuhamba kunye neendleko zokunakekelwa kwezempilo.
Phinda nge 25
Yandisa inani eliyidingayo ngonyaka ngokuthatha umhlalaphantsi ngu-25. Yiyo inkulu kangakanani iphothifoliyo yakho, ukuba ungekho enye imithombo yokufumana umhlalaphantsi.
Ukuba ufuna ukuhlala kwi $ 40,000 ngonyaka, umzekelo, uya kufuna i-dollar yezigidi ($ 40,000 x 25). Ukuba ufuna ukuhlala kwi $ 60,000 ngonyaka, uzakufuna i-portfolio ye $ 1.5 yezigidi.
Ukufumanisa ukuba Ziya kuhlawula phi i-Social Security
Yiya kwi-website ye- Social Security website ukuze usebenzise isixhobo sokulinganisela ukuba ufumane ingcamango yokuba ungayifumana kangakanani umhlalaphantsi.
Yongeza lo mfanekiso kunoma yimuphi umthombo weholo lomhlalaphantsi ongayinayo, njengempesheni okanye ngeniso yengeniso. Emva koko shenxisa kwingxowa-mali yonyaka oyifunayo xa uthatha umhlalaphantsi.
Ngokomzekelo, Ufuna ukuhlala kwi-60,000 yeeRhafu ngomhlalaphantsi. Ukhuseleko lweNtlalo luya kuhlawula i-20,000 $ ngonyaka, ngelixa umhlalaphantsi omncinci uza kukuhlawula i-5,000 $ ngonyaka.
Oku kuthetha ukuba imali engama-25,000 engeniso yakho ivela "kwiminye" imithombo. Kuphela ii-35,000 zamaRandi kufuneka zivela kwi-portfolio yakho.
Ngako oko, uya kufuna i-portfolio ye-875,000 (i-$ 35,000 x 25), ayikho i-portfolio ye-1.5 million yezigidi (nangona kungenzakonakaliswa ukuba kulungiswe ngaphezulu).
Sebenzisa i-Calculator Retirement
Sebenzisa umatshini wokuthatha umhlalaphantsi ukufumanisa ukuba uninzi lwemali oya kuyidinga ukugcina unyaka ngamnye ukuqokelela ipolfoliyo yakho ekujoliswe kuyo.
Makhe sicinge ukuba uneminyaka engama-30. Ufuna ukuthatha umhlalaphantsi kwiminyaka engama-65. Ufuna imali engenayo yomhlala-phantsi eyi-$ 70,000, apho i-25 000 zamaRandi eziza kuvela kwi-Social Security kunye nezinye i-45,000 zamaRandi ziza kuvela kwi-portfolio yakho. Uthatha ipesenti ye-4 yexabiso lokunyuka kwamaxabiso, i-25 yepesenti yentlawulo yerhafu kunye ne-7 yepesenti yentlawulo ye-investment portfolio.
Ngaphantsi kweemeko, kuya kufuneka ubeke i-$ 24,000 ngonyaka ukuze ube nomtsalane omuhle kwipotifoliyo yakho yomhlala phantsi kuze kube ngu-99, ngokutsho kwe-US News 'retraitator calculator.
Ukuqhawula amanani kwiimeko zakho ukuze ubone ukuba uzakufuneka ungasindisa phi ukuhlangabezana neenjongo zakho.
Gcina!
Faka isicwangciso sakho kwisenzo!
Qala ukucima imali. Cima ityala lakho lokutya , ungadli kwiivenkile rhoqo, thabatha iholide kunye nokusebenzisa ezininzi iindlela zokulondoloza imali ukukunceda ukhiphe ngaphezulu kwemali kwiakhawunti yakho yomhlalaphantsi.
Ukwahlula
Gcina imali ephothifoliyo yakho yokuthatha umhlalaphantsi ngokusekelwe kwiminyaka yakho, ukunyamezela kwakho, kunye neenjongo zakho zokufumana imali. Njengomgaqo ngokubanzi wesigwenga, 110 kunciphisa iminyaka yakho imali yemali oyifanele ukuyigcina kwii-equities (amasheya), kunye nazo zonke izibophelelo kunye nezilinganiso zemali. Ukuba uneminyaka engama-30, umzekelo, gcina i-110 - 30 = iipesenti ezingama-80 zepotfoliyo yakho kwimasitokisini, kunye nazo zonke ezisekhotyeni kunye nemali, kunye nokulinganiswa ngonyaka.