Yakha iSicwangciso phambi kokuPhatha iAkhawunti zakho zokuTyala
Usenokuba uqhelana nomgaqo obalulekileyo wokunikezelwa kweefa. Ukubeka ingqalelo kwindawo yakho ye-asethi kubaluleke kakhulu. Njani kwaye xa uthatha ukusasazwa kwi-akhawunti nganye iya kuthintela irhafu yakho kunye nocwangciso lwembuyekezo. Nantsi into ocinga ngayo xa uthabatha i-akhawunti yakho yokugcina umhlala-phantsi ngenzuzo.
Cwangcisa ukuthatha ipesenti ngonyaka ngamnye
Abathathe umhlala-phantsi ababeka umgangatho wokurhoxiswa kweso sikhokelo banokugcina ixesha lokugcina imali. Iingcali zomhlala-phantsi ziphakamisa izinga lokusabalalisa malunga neepesenti ezi-4 ngonyaka , ulungelelaniso lokunyuka kwamaxabiso. Ungasebenzisa i-calculator ukubona ukuba iipesenti ezi-4 ziya kubonakala ngathi zivela kwiakhawunti zakho. Kungadingeka ukuba uhlengahlengise izinga lokurhoxisa ngelo xesha. Iingcamango zihluka ngohlobo lokutshintsha ukuguquka kwonyaka kwi-3% ukuya kwi-7 yeepesenti.
UkuPhambili kweeAkhawunti ezithile
Umyalelo oqala ukuwuthatha imali kwii-akhawunti ezahlukeneyo uya kuxhomekeka kakhulu kwiirhafu.
Ama-akhawunti athathweyo athathwe kuqala. Ezi ziquka i-akhawunti ye-brokerage, iiphothifoliyo zokutsalwa kwefa, kunye naliphi na i-akhawunti ohlawula ngayo umvuzo. Yishiye imali ehlawulwa irhafu ehlanganiswa ixesha elide kunokwenzeka.
Iirera nee-IRAs ezikhethiweyo zerhafu kunye ne-401 (k) s i-akhawunti ziyakuthabatha kwilandelayo. Abatyalomali bangakwazi ukuqala ukusasazwa kwezi akhawunti eziqala kwi-59 1/2 yobudala.
Ukuba ukhetha ukulinda, uneminyaka engama-70 1/2 ngaphambi kokuba ufune ukuqala ukusasazwa . Ulahleka ukuhanjiswa okufunekayo kwaye unako ukuhlawulwa i-penalty ye-50 pesenti yemali ekufuneka ihanjiswe. Ngaphandle kweerhafu uzakuhlawula ukurhoxiswa kwakho ukuba unyanzelekile ukuthatha. Ouch. Akufanelekanga ingozi.
I-akhawunti yokugqibela ukuyichukumisa i-akhawunti engenanto yerhafu efana neRoth IRA , Roth 401k , okanye i-Akhawunti ye-Savings Health (HSA). Ezi akhawunti azixhomekeke kwimithetho yokusabalalisa efunekayo, kungakhathaliseki ubudala. (Okungafaniyo ukuba uswelekile, ngoko ke kufuneka ukuhanjiswa ngokugcwele.) Kuze kube ngoko, utyalo-mali kwiRoth luyakwazi ukuqokelela iintlawulo zentlawulo.
Ukuzenzekelayo Iintlawulo
Ezinye izicwangciso zomqashi kunye nenkampani yokutyalomali inika imali eza kuhlawula imali yokuhlawula umhlalaphantsi. Omnye umzekelo iNgxowa-mali yokuhlawula i-Vanguard elawulwayo , eyenzelwe ukulinganisa ukukhula kwinqununu kunye nezinga lokuhlawula ukugcina imali yakho yokugcina. Iimpahla ezingabonakaliyo kule mali zingadluliselwa kumlingane osinda okanye abanye abaxhamliweyo. Phanda iinketho ezinikezwa ngu-401 (k) umlawuli okanye kwi-bhanki yakho okanye umrhweba ukujonga ukuba kukho isicwangciso esenza iiflawulo zilula kuwe.
Khusela kwiNkcazo yokungaqiniseki
Ukuthatha umhlala-phantsi okanye abaqashiweyo ngaphambili abachaphazelekayo malunga nokuphelelwa kwemali, abanye abacebisi ngezezimali batusa ukuthengwa kwenyanga okanye i-income annuity ukuze ihlawule iindleko ezibalulekileyo. Unyaka luhlobo lomshuwalense. Ngokwenene, utyalo-mali uhlalutya isamba semali kwisiniso esiqinisekileyo sokufumana ubomi. Ukuba uhlala iminyaka engama-30 okanye engama-40 ekuthatha umhlalaphantsi, kuninzi kuwe. Ukuba uhlala iminyaka embalwa nje, yinto engcono yekampani yomshuwalense. Ezinye izibonelelo zibandakanya iinzuzo ezidlulileyo ezibandakanya iqabane emva kokuba umnini-ntlawulo sele efile, kodwa unakho ukuhlawula ngakumbi oku kukhetho. Ngaba unako ukutshala imali engcono kwimarike nge-fund ephantsi kweendleko okanye kwi-ETF? Ingayiyo. Kodwa xa ezinye iimali ezifumanekileyo ezifumanekileyo zingekho, i-annuity inokukunceda ukubonelela uxolo lwengqondo ukuba iziseko ezisisiseko zihlanganisiwe.
Ngokuqinisekileyo, oku kungumxholo we-iceberg ngokwemigqaliselo yento ekucingayo ngayo xa uceba ukufumana umhlala-phantsi. Khumbula ukuqwalasela ezinye iimithombo zengeniso eqinisekisiwe, njengokuKhuseleko loLuntu, iintlawulo zonyaka okanye umvuzo wepensheni xa ubala izidingo zokuhambisa iakhawunti yakho.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.