Ukubalwa kwe-IRA elula
Nantsi imeko enye, i-imeyile kum kutshanje:
"Ndicinga ngokuthatha i-akhawunti ye-IRA yamasiko ukuba ndihlawule i-bill yekhredithi ekhethileyo yokulungiswa kwemoto. Ndingathanda ukuthenga ikhaya kwixesha elizayo kwaye ukuba neli bhili evelele lichaphazela ukulinganiswa kwamatyala. ukuhlawula umrhumo-mali ngexesha kwaye akukaze kuphele, kodwa ndifuna ukulahla ityala. Ndizama ukufumanisa ukuba iindleko zerhafu ekuhanjisweni kwangaphambili zingaphantsi kweendleko zokuhlawula ubuncinci kwiCC yonke ngenyanga. I-APR kwikhadi lesikweleti i-10 pesenti. Unokundinceda ukuba ndibonise oku kwaye ndixelele ukuba kukho ezinye izinto andizange ndiqwalasele? "
Uya kufuna enye ingcaciso kwizandla zakho ukuba ufumene indleko yerhafu yokurhoxisa imali kwisicwangciso somhlala phantsi:
- Ubudala bakho xa usasazwa
- Uluphi uhlobo lwesicwangciso somhlala-phantsi onalo
- Ingakanani uceba ukuyihoxisa
- Yiyiphi imali eya kusetyenziswa
- Yiyiphi ibhakhi yerhafu oya kuba nayo ngexesha lokurhoxiswa
Izigwebo Zokusasazwa kwangaphambili
Izigwebo zokusabalalisa kwangaphambili ziyasebenza xa uhoxisa imali kwisicwangciso somhlala phantsi ngaphambi kokufikelela kwiminyaka yobudala engama-59 / 1/2. Isohlwayo seepesenti ezili-10, kwaye oku kungaphezulu kwayo nayiphi na irhafu yentlawulo oya kuhlawulwa ngayo.
Isihlomelo sanda kuma-25 ekhulwini xa uhoxisa imali kwi- SIMPLE IRA kwaye uqale ukuthatha inxaxheba kwi-IRA SIMLELE kwiminyaka emibili edlulileyo. Ukuba usondele kuminyaka engama-59 / 1/2, unokufuna ukulinda ngaphambi kokukrazula imali ukuze ukwazi ukuphepha le nhlawulo.
Kukho okubalulekileyo kwimvume, nangona kunjalo. Ukuba uhoxisa imali ukuthenga indlu okanye ukuhlawula iindleko zonyango, akunakusebenza. Iimvume ezingavumelekanga ziyahluka ngohlobo lwesicwangciso somhlala-phantsi onalo.
Akukho sihlwayo sabathengi basekhaya bokuqala xa bekhipha kwi-IRA, okanye kubantu abangasebenziyo besebenzisa imali ukuhlawula i-inshurensi yezempilo. Akukho sihlwayo xa imali isetyenziselwa ukufundela iikholeji okanye iindleko zonyango eziphezulu.
Isabelo esivela kwi- 401 (k) okanye i-403 (b) isicwangciso somhlala-phantsi sinemibandela embalwa-ungenza kuphela isigwebo xa uneminyaka engama-55 ubudala kwaye uthathe umhlalaphantsi okanye ushiye umsebenzi wakho, ukuhlawula iindleko zonyango eziphezulu okanye njengenxalenye yokuqhawula umtshato.
Irhafu engenayo
Emva koko uza kufuna ukufumana ingakanani irhafu oza kufuneka uyihlawule ukusasazwa emva kokuba ufumene isohlwayo. I-IRS ilawule ukunikezelwa njengemali engenayo . Oku kuthetha ukuba bahlawuliswa kwizinga lakho lokuhlawula irhafu. Ukwenza utyeshelo olukhulu kwisicwangciso somhlala-phantsi kunokukwenza ukuba unyuke kwi-bracket yerhafu ephezulu, ngoko uya kufuna ukubeka ingqalelo kwiimali zemivuzo yabakhonksi beerhafu ezahlukeneyo kunyaka okhoyo.
I-IRS iyitshintsha rhoqo.
Yandisa inani oceba ukuba lihoxise amaxesha akho kwibhonksi yerhafu engezantsi ukuze ufumane uqikelelo olukhawulezayo lwentlawulo yakho yerhafu, kwaye ungeze kuyo nayiphi na isohlwayo. Ingqikithi iya kuba yimalini yerhafu oya kuhlawulwa ngayo. Kufuneka uqikelele nayiphi na irhafu irhafu.
Umzekelo Wokubala
Umfundi ngale ngxelo engenhla akazange anikeze nayiphi na ingcaciso malunga nomvuzo okanye irhafu yengeniso, ngoko siya kwenza amanye amanani kuye ukuze sibone indlela izibalo ezisebenza ngayo.
Masithi ufanelekile ukuba abe yintloko yefayili yokufakela indlu , uneminyaka engama-35 xa ehoxisa imali, kwaye ingeniso yakhe engenayo emva kokuthatha umlinganiselo osemgangathweni kunye nokuxolelwa komntu siqu i $ 50,000. Oku kuya kumbeka kwi-bhokisi yeerhafu yeepesenti ezingama-25. Ingeniso yakhe iya kwanda ukuya kuma-60,000 e-$ ukuba ihoxisa i-$ 10,000 ukuhlawulela ukulungiswa kwemoto, kodwa iya kusekho kwi-bhokisi yeerhafu engama-25.
Impembelelo yakhe yerhafu yomnxeba iya kuba yi-$ 10,000 ngamaxesha angama-25 ekhulwini kwerhafu kunye ne-10% yesigwebo, okanye i-$ 3,500. Uthotyelwe isohlwayo se-10% kuba ukuhlawulelwa kweemoto akulona uluhlu lwezohlwayo. Kwakhona unokuba kwinqanaba lentlawulo yengeniso yelizwe kwaye mhlawumbi izigwebo zombuso.
Ezinye iindlela
Le $ 3,500 kwiirhafu ezongezelelweyo zindleko zokubethelela kule mali yomhlalaphantsi. Ziziphi ezinye iindlela ezenziwa ngumfundi?
Wayekwazi ukuqhubeka nokuhlawula umyinge kwibhalansi yekhadi lesikweletu . Ikhadi lomfundi liza kunye nepesenti yepesenti ye-10 yepesenti, oku kuthetha ukuba uya kukhwela inzala ye-$ 1,000 ngonyaka we-$ 10,000. Oku kuthatha ukuba ibhalansi ihleli nangaphezulu kwekhosi.
Ukusebenzisa isicatshulwa sokuncinwa kwekhadi lokuthenga ngetyala kunye nokwenza ukucinga ukuba ikhadi lesikredithi idinga ukuhlawula ubuncinci bepesenti ye-2.5 yerhafu inyanga nganye, umfundi wethu ekugqibeleni uza kuhlawula i $ 4.888.25 ngenzala kwiminyaka engama-20 ukuhlawula ukulungiswa kwemoto.
Ngoko yintoni enye into engcono: uhlawule i-$ 3,500 namhlanje okanye i-$ 4,888 ngaphezu kweminyaka engama-20? Kukhethwa ngumntu, kodwa ndicinga ukuba impendulo ilele ekuhlawuleni i-bill card ngexesha. Ukubandakanya ibhajethi enkulu yentela kufuneka igwenywe xa kunokwenzeka. Ikhadi lesikweletu linokuhlawulwa ngokukhawuleza nanini na xa imali eyongezelelweyo ifumaneka, okanye ngokuthe ngcembe xa iimali zinzima.
Ziziphi ezinye iindlela umfundi anokukhetha? Uninzi lwama- 401 (k) kunye no- 403 (b) izicwangciso zinikezela ngemboleko kubasebenzi, nangona iimali-mboleko zingavumelekanga kwi-IRAs ngokomthetho. Le mboleko ingamnceda ukuba ahlangabezane nobunzima bexesha elifutshane loqoqosho xa ekhusela irhafu ephezulu kunye nezohlwayo ezinxulumene nokuhoxiswa. Unokuthi uthengise nge-mboleko yemali engaphantsi, zama ukufumana enye ingeniso eyongezelelweyo, okanye wenze uhlahlo lwabiwo-mali ukujongana nemeko entsha yezemali.
Ngokomntu, ndiza kushiya imali yokuthatha umhlala-phantsi xa bekuya kufuneka kakhulu: emva kweminyaka yobudala engama-59 / 1/2, ukuba umrhumi-ntlawulo uyakhubazeka, okanye xa ejongene nezinye iimeko apho ikhefu elingenanto lisebenza. I-inshurensi yaseMassachusetts .
QAPHELA: Imithetho yerhafu iguquka rhoqo, kwaye kufuneka uqhagamshelane neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengengcebiso yerhafu kwaye ayifaki indawo yeengcebiso zerhafu.