Uhambo lokuthatha umhlala-phantsi luqala ukuthatha ingqalelo ebaluleke kakhulu ekupheleni kweminyaka elishumi yokugqibela yeminyaka yakho yokusebenza. Kungenxa yokuba izigqibo ozenzayo kwiminyaka eyi-10 edlulileyo yomsebenzi wakho zibaluleke kakhulu ukuba ukwazi ukunyamekela umhlalaphantsi-nangona ungakhetha ukuchaza loo xesha lobomi.
Uninzi lweziganeko eziphambili zobomi zivame ukuqhubeka ngexesha lexesha elide lomsebenzi wakho. Ukuba unabantwana banokuthi baqalise imisebenzi yabo kwaye bashiye isidleke.
Abazali bakho banokuthi bafikelele kwizigaba zokugqibela zomhlalaphantsi wabo. Ngenxa yoko, unokufumanisa kwindawo ethile phakathi kwabo bonke ubomi batshintsha ukubuza ukuba umhlalaphantsi wakho ubonakala njani ngelixa uqhubeka usebenza nzima kwaye ulondoloze ubuninzi ngangokunokwenzeka. Enyanisweni, i-final decade yomsebenzi wakho ekugqibeleni ibonakala ngathi yithuba apho ekugqibeleni unako ukugcina ukugcina umhlalaphantsi njengento ephambili. Kodwa ngokuthatha umhlalaphantsi ekugqibeleni kukho amanyathelo abalulekileyo okufuneka athathe (ngaphandle kokugcina ubuninzi ngangokunokwenzeka) ukukunceda ukwenza utshintsho lwakho luphumelele.
Cacisa ukuba yiyiphi inqaku lakho elifanelekileyo "Umhlala-phantsi" Ubonakala ngathi
Ukhangele phambili ukuthini ukwenza uninzi ngexesha lomhlalaphantsi? Ngaba uyayeka ukusebenza ngokuzeleyo okanye ngaba uceba ukuthatha umsebenzi wexeshana okanye uqale umsebenzi wezoshishino? Akukho bukhulu bomntu obufanayo-yonke impendulo kule mibuzo. Yenza umbono wakho wokuthatha umhlalaphantsi ngendlela ehambelana nemilinganiselo yakho kunye neenjongo zokuphila njengoko uqwalasela ngokucophelela ukuba umhlala-phantsi wakho ukhangeleka njani.
Qalisa Isicwangciso-mali soQeqesho sokuQala
Ukuphonononga uhlahlo lwabiwo-mali okanye isicwangciso sakho sokuchitha imali yinto into esivuma ngayo kufuneka sonke siyenze kodwa kulula ukuthetha kunokukwenza. Njengoko umhlalaphantsi usondela kwinkqubo yohlahlo lwabiwo-mali ithatha inqanaba elitsha lokubaluleka. Emva kokuba ufumene apho imali yakho iya khona, ungazama ukukhulula imali eyongezelelweyo ukuze ulondoloze kwaye utyalole umhlalaphantsi .
Unokwenza phambili kwaye udale iSicwangciso sohlahlo lwabiwo - mali sokuthatha umhlala-phantsi ukufumanisa iinkalo zenkcitho njengempilo yoncedo okanye uhambo oluya kutshintshwa kakhulu ngexesha lokukhulula inkululeko yemali.
Qaphela ukuba Ukugcinwa Kwemali Yomhlalaphantsi Kuya kuba Nako
Ngaba ulondoloze ngokwaneleyo umhlalaphantsi? Lo ngumbuzo omele uceliwe njengangoko kunokwenzeka kwinkqubo yocwangciso. Sekunjalo, ukuba uhlala eselula umhlala phantsi kwaye awuzange usebenze isilathisi sokuqala somhlala phantsi awukho wedwa. Ukuphonononga yonke imithombo yakho yengeniso yomhlalaphantsi (401k, IRAs, ipensheni, ukhuseleko lwezeNtlalo, njl.) Kuya kunceda ukunika impendulo kulo mbuzo obalulekileyo. Kuya kukukunceda ukuba ubone ukuba ngaba kukho utshintsho olufunekayo ukuphucula umbono wakho wokuthatha umhlalaphantsi.
Gqiba apho Ufuna Ukuphila Ngomhlalaphantsi
Nangona ukwabiwa kweempahla kubaluleke kakhulu ekunyuseni ukonga kwakho umhlala-phantsi, indawo yakho yokuthatha umhlalaphantsi ibaluleke kakhulu ekuqinisekiseni ubomi bakho bonke. Cinga ngendawo oceba ukuyisebenzisa ngayo iminyaka yakho yomhlalaphantsi . Ngaba uya kunciphisa imeko yezindlu okanye ukufudukela? Ngaba uza kuba kufuphi kangakanani nabahlobo kunye nosapho? Kukho iintlobo ezibalulekileyo zobomi zobomi izinto ezifana nokuzonwabisa, ukunakekelwa kwempilo, irhafu kunye neendleko zokuphila ezihambelana nesinqumo sakho somhlalaphantsi.
Uqikelele Ingeniso eqinisekisiweyo eya kuvela kwiKhuseleko loLuntu, iiPensheni okanye kwiNkcazo
Ukugqiba ixesha lokubamba iindleko ezibalulekileyo ezifana noKhuseleko loLuntu kunye nomhlalaphantsi (ukuba kufanelekile) kuxhomekeka kwiimeko ezahlukeneyo ezifana nomhla wokuqalisa, ukulindela ixesha elide, impilo kunye neemfuno zengeniso.
Ukuphonononga iikhompyutheni zeeNkcazo zeMpilo
Ukufumana i- inshorensi yempilo yentsholongwane efikelelekayo kwaye inokwethenjelwa ngexesha lokuthatha umhlala-phantsi yinto ephambili ebalulekileyo ekuza kubanjelwa umhlalaphantsi. Akumangalisi ukuba iindleko ezinxulumene nempilo zingaba yinxalenye enkulu yohlahlo lwabiwo-mali ngexesha lomhlalaphantsi. Ukuba unomhlala-phantsi we-inshurensi yonyango, qhubeka uqale uhlaziye iimpawu zakho kunye neendleko ezihambelana nazo. Ezinye iinketho ziquka ukujonga kwi-COBRA okanye ukutyelela kwisayithi yezempilo.gov ukuba uya kuba ngumhlala-phantsi phambi kweminyaka engama-65 xa ulungelo lwe-Medicare lukhawuleza.
Ukuba unesicwangciso esiphakamileyo sokuchithwa kunye ne-HSA yokukhetha, sebenzisa ngokugcwele amandla akho okubeka eceleni ukuya kuma-3,350 ayi-$ 3,750 ukwenzela ukukhutshwa kwentsapho (kunye ne-$ 1,000 kubini ukuba uneminyaka engama-55 okanye ngaphezulu) yeerola engaphambili. i-akhawunti yokulondoloza impilo ukunceda iifihla iindleko ezizayo.
Qinisekisa ukuba ngaba yenza iinjongo zokuhlawula imali yakho
Ukuhlawula ityala ngaphambi kokuthatha umhlalaphantsi kuyisicwangciso esihle kakhulu sokunciphisa iindleko zeendleko. Ukunciphisa ityala elinokuba yingxaki njengokuba ngamakhadi ekhredithi ephakamileyo kunye neengxowa-mboleko zodwa zicetyiswa ngamandla kwiminyaka ekhokelela ekubeni umhlalaphantsi. Kukwabulumko ukukhawuleza ixesha lokufumana imoto yakho okanye iimali-mboleko zomfundi unyaka ofuna ukuhlala phantsi. Nangona kunjalo, ukugqiba ukuba kunengqiqo ukuhlawula imali yokuboleka imali akulula nje kwisigqibo sokwenza kwiminyaka ekhokelela kumhlalaphantsi wakho. Ewe, kuyinyaniso ukuba ukuguqulwa komhlalaphantsi kubonakala kulula ukuzenza kwimbono yezemali ukuba unemali-mboleko. Nangona kunjalo, kukho ezinye iingenelo nokungahambi kakuhle ekuqwalaseleni njengoko uhlola umfanekiso wakho wezezimali. Mhlawumbi into ebalulekileyo ukuba uyiqwalasele indlela oceba ngayo ukusebenzisa ubulungisa bakho ekhaya ngexesha lomhlalaphantsi. Ukunciphisa, ukufuduka, ukuvelisa ingeniso yerenti, kunye nokusetyenziswa kwemali yokubuyisela imali yonke into enokuyiqwalasela.
Qinisekisa ukuba i-Asset Your Asset Allocation idibanisa ukunyamezela kwakho kwengozi kunye nexesha lokulinda
Njengoko umhlala-phantsi usondela kukukwazi ukuba isisu senzeke kakhulu kwiimarike zotyalo-mali kunokutshintsha. Yingakho kubalulekile ukuhlola iphothifoliyo yakho yonke yomhlalaphantsi rhoqo. Awudingi ukuzenzekela ngokuzenzekelayo ukusuka kwimarike yemasheya kwiminyaka ekhokelela kumhlalaphantsi. Ixesha lakho lokutsalwa kwexesha lokutyalomali liquka iminyaka ukuhlala umhlalaphantsi kunye nokuba ungalindele ixesha elingakanani lokuhlala.
Cinga kwakhona ukuchaza kwakhona umhlalaphantsi
Ngamanye amaxesha kuthatha ubuncinane ukudala umhlalaphantsi ngokwenene. Ukuba umbono wakho wokuqala wokuhlala umhlala-phantsi awuhambisani nesicwangciso sakho semali sangoku, ungayeki! Unokufuna ukwenza ukhetho olunzima ukulungelelanisa iinjongo zakho zokuphila. Kodwa umhlala-phantsi usengaphaya kwakho.
Khetha Iqela Lakho Ngokuhlakanipha
Kwabaninzi ukukhawuleza ukuba baphume umhlalaphantsi, ukwakha iqela labaqeqeshi ababonelela ngezomthetho, irhafu, kunye nezokhokelo zezemali yindlela efanelekileyo yokuhamba kwezi zigqibo ezinzima. Funa abaqeqeshi abaqeqeshiweyo abahlala bebophekile ukuba babeke iimfuno zabo kuqala baze bahlale ngokwemigangatho yokugcina.
Akukaze kukhawuleze ukuhlaziya izicwangciso zakho zomhlalaphantsi .