Indlela yokubala ixabiso lexesha elizayo kunye nelikhoyo leSump Sum
Umxholo oyintloko ndizama ukuphinda ndiphinde ndibuyele kuzo zonke iipotfoliyo zam ukuphathwa kwamaphepha kunye neemali zecandelo lomntu siqu ifilosofi yokuba ndiyakholwa ngenhliziyo yonke: Imali iyithuluzi.
Akukho Okuninzi. Akukho ncinane. Kubuwula ukuba uzuze ngenxa yaso. Kunoko, ugxininiso kufuneka lubekwe kwi-trade-off eyamkelekileyo phakathi kokufuneka ulahlekelwe ngokwexesha, umgudu, nomngcipheko, ngokumalunga nezibonelelo onokufumana. Ukuba uya kuhlala ujabule ehlala kwinqanawa elwandle, kwaye ungacingi ukuba ungenayo imoto entsha okanye ukwazi ukufumana izityebi, ndiza kuthetha ukuba akukho nto iyenzayo ukuchitha ubomi bakho umsebenzi owenzisayo, ukwenza umsebenzi ongeyithandanga, yonke into ngaloo ndlela, mhlawumbi, ngexesha elizayo, unokukwazi ukuhlala ngolu hlobo lolwandle kwindlu enomsebenzi ongekho nto. Ndiyathetha loo nto kuba ndikholelwa ukuba ixesha lixabiso elixabisekileyo. Iingxaki zikhona, unemihla engama-27,375 kuphela, kwaye ucinga ukuba unenzuzo eyaneleyo yokwenza ixesha lokuphila eliqhelekileyo. Xa sele zichithekile, yile nto. Umdlalo udlulile.
Awukwazi ukuwagcina. Awukwazi ukuwagcina ukuze ulisebenzise ngokuzayo. Baye, njengoko ilizwi lihamba, "njengemisatyambo ngokusebenzisa i-hourglass". Yimvelo yendalo yonke. Okubi kakhulu, ukuba unokwakha i-fortune enkulu kwaye awukho, noko, uyakuyithanda, iya kugqiba ezandleni zabanye abantu; mhlawumbi nezopolitiko ezithathayo ngendlela yentlawulo kaRhulumente.
Esi sizathu esiluqalayo xa ndikunceda abahlobo bam nosapho bakha isicwangciso semali. Ngokubakhumbuza le nyaniso yeyona nto, uyakuphepha isilingo sokucinga ngokugcina imali njengomdlalo wokugqibela; ukuba ukufunyanwa yinjongo ephezulu. Ngokombono wam, kuya kuba lukhethwa kakhulu kumntu othanda ukuhamba ukuza kubona ihlabathi xa eselula, enempilo, kwaye enamandla, ephelela umhlalaphantsi omncinci, ongaphantsi komsebenzi, kunokuba azame ukusebenza ngaphandle kweminyaka engama-40, ukuya phi na ke, enethemba lokuhlala unesimo esaneleyo sokwenyuka iintaba kwaye ulale phantsi kweenkwenkwezi xa bekhenkcela ukhuseleko lwezeNtlalo. Ngethuba nje xa ubala ngokubala kwakho kwindleko yokufumana ithuba, uzimisele ukuhlala nemiphumo ngaphandle kokulindela abanye ukuba benze ukungaphumeleli, kwaye ufumane ukuzaliseka komntu kunye nolonwabo oluvela kwimali namhlanje kunokuba kwinqanaba elithile kwixesha elizayo, ndicinga ukuba kukho iimeko apho ukubeka imali phambili kunompazamo.
Ukuyibeka ngokugqithiseleyo, ndiya kuhamba ukuthetha oko, xa unokwenza izinto ngokuchanekileyo-ukufumana yonke imali ehambelanayo ekhoyo kwi- 401 (k) isicwangciso kunye nokuxhasa ngokupheleleyo iRoth IRA , ukuphepha ngetyala lekhadi lesikweletu kwaye uhlawula imali yakho yemali-mboleko - ndikholelwa ukuba ngamanye amaxesha ubulumko ukutsho, "andiyi kuthenga enye imali engama-dollar ayi-10 000 eyo ngxowankulu , ndiza kuchitha iinyanga ezimbini ehlala kwindlu eqeshwe eSwitzerland ukufumana inkcubeko eyahlukileyo. " Unokwenza .
Ndiyazi abantu abakwenzileyo; abantu abahlala kwimimiselo eqhelekileyo abalawula ukufumana ingeniso yabo ngengqiqo.
Ngakolunye uhlangothi, ngamanye amaxesha ndikholelwa ukuba kulungile ukwenza okuchaseneyo. Esikhundleni sokuthenga imoto entsha, uzimisele ukuqhuba ikhona yakho ekhoyo kwiminyaka emibini kwaye ubeke umehluko kwi-stock yakho okanye iphothifoliyo yebhanki inokukunika inkululeko kamva ukuphucula ikhaya lakho, okanye ufumane uncedo lwabazukulu bakho bakhokhele iikholeji. Oku kungathi ukuphikisana kodwa umyalezo kufuneka ukhethe ngokusekelwe kwiindleko zangempela zento ofunayo, kungekhona nje ukuzulazula ebomini ukwenza nantoni na ukuba uvakalelwa ngexesha elifanelekileyo. Uza kutshintshwa ngokwakho ngaloo ndlela kuba kuya kubangela ukuba iimfuno zakho zexesha elifutshane ziphumelele ngenxa yolonwabo lwangexesha elide.
Uyenza njani loo nto? Ubala njani iindleko zangempela? Inani lexabiso lemali.
Makhe ndihambe ngeendlela ezimbini ezinokutshintsha indlela ujonga ngayo imali ephaketheni lakho okanye kwi-akhawunti yasebhanki ngonaphakade.
Ukusebenzisa ixabiso lexesha elizayo le-Lump Isixa-mali sokubaluleka kweMali yeFomula ukucinga ngemali njengesixhobo
Okokuqala, kufuneka sisebenzise ixabiso lexesha lemali elalibizwa ngokuba yixabiso elizayo lesibalo sokubala ukuba zingakanani iirandi ozakuba nazo ngexesha elithile ngokusekelwe kwisigqibo sakho sokuba usebenzise imali namhlanje. Ndakuhamba ngokubalwa ezininzi, iminyaka emininzi edlulileyo kweli nqaku kodwa kuyafaneleka ukuhlaziya apha .
FV = pmt (1 + i) n
FV = Ixabiso lexesha elizayo
Pmt = Intlawulo
I = Inani lokubuyisela ulindele ukufumana
N = Inani leminyaka
Umzekeliso unokukunceda uqonde amandla ayo. Khawucinge ukuba umile esitolo kwaye ubona entsha sweatshi ye-cashmere ofuna i $ 399. (Umtyalo-mali oqhelekileyo akanakuxhomekeka kwi-50% engaphezulu yemali engenayo e-United States ngoko ukuthenga okunjalo bekungeke kubekho kwesiqhelo ukuba ufunda le nqaku uze uwele kwi-demographic. kakhulu kwizinto zokugqoka, ukubeka endaweni enye nayiphi into; umxube we-Kitchen Aid okanye i-iPad entsha) Uhlala kwimeko engenalo irhafu yokuthengisa ukuze singayinaki. Unokuyithenga i sweatshi, kwaye ujabulele kwiminyaka embalwa elandelayo, okanye ungayiphonsa imali kwisihlomelo sakho sekhompyutheni okanye iplastithi yesitoklithi yokuchitha imali okanye isipho kumntu oneminyaka engama-25 ukususela ngoku.
Ngokomlando, amasheya amakhulu eemalike zeemarike abuyisele i-10% kunye neentengiso ezincinci zentengiso zemali zabuyisela i-12% xa zifunyenwe zisebenzisa isicwangciso-mali sokuhlawula iindleko eziphantsi, ukuthengiswa kwentela, ukuthenga nokugcina isicwangciso-mali sokungeniswa kwemali, ngaphandle kwezabelo , izabelo zenziwa kwakhona , kunye nedola iindleko zokulinganisela zigcinwa ukuba zisebenzise inzuzo yeemarike. (Idatha ngoku kucacileyo.) Okuthakazelisayo kukuba akukho mntu wenzayo ngaphandle kobutyebi kunye nokuphumelela okumele ukucacisa umsekeli weVanguard uJohn Bogle kwiingxelo azenzileyo kwenye yeencwadi zakhe, mhlawumbi kutheni bazityebi kwaye baphumelele kwindawo yokuqala.)
Ugqiba ekubeni ube nolondolozo olungakumbi kwaye ubale i-8%. Ukhupha i-calculator yakho kunye neeplagi kumanani afanelekileyo.
Inyathelo 1: FV = $ 399 (1 + .08) 25
Inyathelo 2: FV = $ 399 (1.08) 25
Inyathelo 3: FV = $ 399 (6.848475)
Inyathelo 4: iFV = $ 2,733
Kuthiwani malunga nokunyuka kwamaxabiso, nangona kunjalo? Ngokuqinisekileyo umgangatho wokunyuka kwamaxabiso njengoko ufuna ukukhusela kwixesha eliqhubekayo . Ulungile. Iya. Ukuba imali isixhobo, yonke into ebalulekileyo kukuba ingawuthenga kangakanani. Ixabiso lemali liyanciphisa ngemali. Imela ukulahlekelwa kwexabiso ngoko kufuneka ifakwe kumanani ethu.
Ukulungiswa Kwemali Yengeniso Yemali Ngokuthengiswayo Ngokusebenzisa Ixabiso Lenani Lomhla Wentengo Yenkxaso Yesixa-mali seMali yeFomula
Indlela esiyifumene ngayo le nto kukuthatha ixabiso elizayo unalo ukusuka ekubaleni kokugqibela kwaye uyiphoxise kwakhona kulo ngoku ngokulinganisela kwexabiso lentengo . Masicabangele ucinga ukuba ukunyuka kwamaxabiso kuya ku-3% kwiminyaka engama-25 ezayo. Kule meko, uza kusebenzisa ixesha elithile lexabiso lokubala imali eyaziwa njengexabiso langoku lexabiso.
I-PV = FV / (1 + i) n
Ixabiso lePV = Inani langoku
FV = Ixabiso lexesha elizayo
Pmt = Intlawulo
I = Ixabiso lentengo
N = Inani leminyaka
Kule meko, siyifakela kumanani akho afanelekileyo:
Inyathelo 1: i-$ 2,733 / (1 + .03) 25
Inyathelo 2: i-$ 2,733 / (1.03) 25
Inyathelo 3: i-$ 2,733 / 2.09
Inyathelo 4: i-$ 1,308
Oku kuthetha umbuzo omele uzibuze wona ukuba ngaba ungayisebenzisi imali engama-399 namhlanje uxabisa ngakumbi kunokuba ube ne-$ 1,308 eyongezelelweyo kumandla alinganayo okuthengwa namhlanje aneminyaka eyi-25 ukususela ngoku. Nangona awufuni loo mali ngokwakho, njengoko ukhula kwaye uphumelele, mhlawumbi ufumana ukunceda abanye ngendlela evuzayo. Ngokomzekelo, ngeKrisimesi kulo nyaka, sinike umntakwabo kunye nabazalwana bethu i-Hershey Inkampani yeKrismesi kunye nebhokisi elikhulu loshishino lwee-candy ezizithandayo. Sinika kwakhona isiseko seentsapho njengesizathu sokuxhasa izizathu ezibalulekileyo kuthi. Ezi zintlobo zezinto zinenani elikhulu kunokuba zongeze enye imoto okanye ithathe olunye uhambo.
Kuba ngumntu wesibini emva kwesikhashana ukwenza oku kuhlalutya kwe-trade-off ukuba ngoku ndiyenzela ezininzi izibalo entloko yam njengoko ndikhumbula ngeempawu ezivumela ukuba ndifike ngokukhawuleza kwisiphumo sokugqibela. Mna nomyeni wam senza umdlalo. Sinokumisa iakhawunti apho naliphi na ixesha senza isigqibo sokubangela into ethile - sitsho sikwazi ukugcina i-$ 8 ngokukhupha isikhwama esincinci sekhofi esiyithandayo kwi-Club ye-Sam kunokuba siyithenge kwiinkampani ezincinci kwimakethi yekhonkco - siya kutshabalalisa imali kuyo ngokukhawuleza kwiifowuni zethu. Ukususela ngamaxesha, sibeka imali eqokelelwayo ukusebenza, sisebenza ngathi ukuba siyichithe; ukuba ayikho. Kule minyaka, izigqibo ezibonakala ngathi ziincinci - ukungalawulwa kwesiselo ngexesha lesidlo, ukutshintsha ama-bulbs ekukhanyeni kwamanqaku afanelekileyo kumakhaya ethu - kuye kwabangela ubutyebi obongezelelweyo obuthe xaxa xa kusinceda sigweme i-creep ephezulu (ukuthambekela kwempumelelo kwimali ukuchitha ngakumbi njengoko ingeniso yabo ikhula ngaphandle kokucamngca ukuba imali eyongezelelweyo iyabangela uvuyo okanye inika inkxaso). Njengoko utshintsho oluthile luhlanganiswe kwishumi elidlulileyo kunye nesiqingatha, ngoku sizifumana sinobambiso olongezelelweyo lweoli kunye negesi, iibhanki, iinkampani zokutya ezipakishwayo, ama-conglomomerate zoshishino, kunye namanye amaqumrhu ahlawula igalelo eziqhelekileyo; izabelo ezingenakube zikhona ukuba sasingazange senze isigqibo sokuba yintoni ebaluleke ngakumbi kuthi, esekelwe kwiyethu, ixabiso lethu.
Eli xesha lixabiso lemali ifomula lisinika amandla. Basenza ukuba sikwazi ukuqonda ngakumbi into esiyifunayo, ukwandisa lwethu uvuyo. Ulwazi lunamandla kunye nokukhumbula ngeemfomula kukhululekile nakanjani, xa uzimisele ukuwabhala phantsi amaxesha ambalwa uze ubambelele engqondweni yakho. Xa usuhla lo mzila, luncedo kakhulu, akunakucingelwa ukuba ude ucinge ukuyeka. Yenze. Akunakwenzeka ukuba uya kuba nesizathu sokuzisola.