Iingxowa-mali ezibi kwiNgxowa-mali yeKholeji yabantwana bakho
Uninzi lwazo oluhlwempuzekileyo lubonakala lubangelwa ngumnqweno wabantu ukuba lube ngaphezu kokukhetha ukhetho oluthembekileyo okanye ukuzama nokufumana "into eqinisekileyo." Zomabini ezi ngcamango, ngelixa zihloniphekile, ngokuqhelekileyo ziphelisa ukwenza okuchasene noko kwakujoliswe.
Abazali abafaka amaqanda kule "iibhasikiti" ezingavumelaniyo bavame ukuzifumana befutshane kwimali xa kufika ixesha lokungena imali kwaye baqale ukuhlawula isifundo.
Nangona izithembiso zokhuseleko kunye nokubuya ziba zikhulu, kufuneka ucinge ngokucophelela ngaphambi kokubeka isikhwama sekholeji yomntwana wakho nakuphi na olu lulandelayo kutyalo-mali.
Ubomi be-Intshurensi okanye i-Annuities
Enye yezinto eziqhelekileyo eziqhelekileyo ekumiseni isikhwama sekholeji kuyisebenzisa isivumelwano se-inshurensi yomshuwalense njengengeniso-mali. Ngokukodwa, ubomi obupheleleyo kunye nobomi bomshuwalense wobomi, kunye no-annuities, bahlala bechithwa njengezithuthi ezifanelekileyo.
Ngokuqhelekileyo, ii-inshorensi ziyakukukhuthaza ukuba usebenzise inzuzo yokuba i-inshorensi yobomi okanye i-annuities ivumela ukuqokelela kweerhafu. Ingcamango yabo kukuba ukuba uthengi imali efana kunye kunye neengxelo ze-akhawunti, uhlawule irhafu rhoqo ngonyaka ekukhuleni. Ngaloo ndlela, isivumelwano se-inshurensi okanye i-annuity ikhusela isikhwama sakho sekholeji esikhulayo kuMalume Sam.
Nangona le nto ichanekile, abantu abakhuthaza ukusetyenziswa kwe-inshorensi yomshuwalense abakwazi ukukhankanya ukuba kuya kufuneka ukuba uhlawule irhafu yengeniso xa uhoxisa imali, kunye nesigwebo se-10 sepesenti xa uneminyaka engama-59 ubudala. / 2.
Akwahluleki ukukhankanya ukuba unako ukufumana iingeniso zerhafu ezingcono kwi- akhawunti yeCandelo 529 okanye i- Coverdell ESA (i-Education IRA), ene-1-2 yepesenti yokugcina imali yonyaka.
Iimpahla zokuqokelela kunye neMisebenzi
Ngoxa ixabiso lokubaluleka elihambelana nemifanekiso kunye neendawo zokuqokelela zingabonakalisa, ngoko unako ukuphazamiseka. Ngokungafani ne-stock okanye i-bond investment, ebonisa ibango elibonakalayo kwiimpahla zezimali zangempela, ukubaluleka kobugcisa kunye nokuqokelela ngokusekelwe kwimibono yabantu.
Ubungakanani bemifanekiso kunye neziqokelelo zingashintsha ngokugqithiseleyo ngobusuku obubodwa ngenxa yokuba akukho abathengi behlobo oluthile lento. Ngaloo ndlela, zithinteka kakhulu kwizinto ezinjengamafayili, ukunyuka, kunye nokuhanjelwa.
Nangona kunokuba kukuzonwabisa ukudibanisa ukuxabisa kwakho ngezinto ezigqithiseleyo ngokukhula kobutyebi bakho, oku kufuneka kumelele nje inxalenye encinane kwipotifoliyo yakho yonke, kwaye akukho nanye ekholeji yakho.
Igolide kunye nezinye izitya ezixabisekileyo
Kubantu abaninzi, igolide imele ukuphakama kokukhuseleko nokukhuseleko. Liyinyani, libonakala, kwaye liye lafunwa ixesha elide abantu bayayikhumbula.
Sekunjalo, loo nto ibonakalayo yinto enokubangela ukuba izitye ezixabisekileyo zikhethile. Iindleko zokuzuza kunye nokugcina igolide, ngokukodwa kwixabiso elincinci, lingashenxisa nantoni na ixabiso lokuxabisa. Ukongezelela, ukugcina igolide kwindawo yakho, kwimeko ekhuselekileyo, kunokukwenza ube ngumgomo wokuba.
Ukuqwalasela ukuba igolide ifunyenwe kuphela kwi-6-7 yeepesenti ngonyaka kwiminyaka engamashumi amabini edlulileyo, kubonakala ukuba yenza lolu hlobo lotyalo-mali umsebenzi omningi kunokuba lufanelekile. Ukuba uvakalelwa kukuba ufuna uncedo oluthile lwezinyithi ezixabisekileyo, qwa lasela ukuthenga i-fund eyodwa efaka imali kwiinkampani zegolide zezimayini.
Umngcipheko ophezulu / ophezulu ukubuyisela ukuTyala kweeNtengiso
Nangona isithembiso somvuzo omkhulu sisilingo, qwa lasela ngokucacileyo utyalo-mali obunobungozi obuphezulu kunye neendlela ezifana nezokukhetha, iinkampani ezincinane kunye neemarike zamazwe ngamazwe. Isizathu esiyinhloko salokhu kukuba uza kuba nexesha elincinci lokwenza iimpazamo zokutyalomali njengoko ukuqala kweekholeji kuyasondela.
Ngokukodwa, kufuneka ugweme nayiphi na uhlobo lotyalo-mali apho "ukuphazamiseka" kwakho kungenako ukulahlekelwa ngokupheleleyo. Yiyo imeko ezininzi zeendlela ezifana nokungafunywanga zibeka kunye neefowuni, kunye nokutyalomali kwiinkampani ezincinci kwiimeko ezizinzileyo zentlalo yesithathu.
Yakho 401k
Nangona i-401k yakho isithuthi esikhulu sokutsala umhlalaphantsi, kwaye iqulethe iikhompyutheni ezifanelekileyo ezifanelekileyo ezifanelekileyo kwiikholeji yakho, kufuneka ukhuphe ukuyijonga njengemithombo yeefaji zekholeji. Nangona utyalo-mali luya kwamkeleka, iindleko kunye nexesha lokufikelela kwimali lingaba yingozi kumfanekiso wakho wezezimali.
Kwabaninzi abantu, abantwana babo baya kwikholeji kwiminyaka eyi-10-20 yomhlala-phantsi wabo kulindeleke. Ukuthatha ukusasazwa okubalulekileyo kwizinto ezininzi ze-asethi zokuthatha umhlalaphantsi kunokuzibuyisela kwisinye sikwere kunye nexesha elincinci lokubamba. Nokuba uthabatha imali mboleko kwixabiso lakho lama-401k ngokubanzi likhupha ukukhula kwexabiso eliphantsi kwelo mboleko kuhlawulwa.
Okubi ngakumbi kunomboleko, yimbono yokuthatha ukusasazwa okwenziwe kwi-401k yakho ukuhlawula iindleko zekholeji. Ngokwenza njalo, uya kuhlawula irhafu yentlawulo ye-Federal kunye neye-state malunga nokuhoxiswa, kunye ne-10% yesigwebo xa uphantsi kwe-59 1/2. Oku kunokunciphisa ukusabalalisa i-$ 10,000 ukuya kwii-5,000 zamawaka okanye ngaphantsi.
Isishwankathelo
Kwiminyaka yakutshanje, urhulumente ukhuthaze abazali ukuba basindise kwiikholejini kunye nokudala ezinye iakhawunti ezinomtsalane ezinjengeziqendu ze-Section 529 kunye ne-Coverdell ye-ESA. Ukongezelela kwiintlawulo zerhafu ezintle ezihambelana nale akhawunti, ungakhetha kwiindawo ezininzi zotyalo-mali ukusuka kwii-CD eziqinisekisiwe ukukhula ngokukhawuleza. Ngaphambi kokuba ukhangele kwenye indawo, yenza oku kukhethwa kujonga kakuhle. Kufuneka kube ngaphezu kokwaneleyo ukuhlangabezana neendleko zekholeji ezizayo xa zidibaniswa nokugcinwa rhoqo.