I-Tech Management Management Technique enokukunceda ukusebenza kwakho kwexesha elide
Le nzuzo ibonakala ngokugqithiseleyo xa ungeke ukwazi ukusebenzisa iindawo zokukhusela zerhafu ezifana neRoth IRA, i-IRA yesintu okanye i- 401 (k) icebo . Ngokukuhamba ngento ecinga ngayo, ndiyathemba ukubonisa amanani ngokucacileyo ukuze uqaphele ukuba ukuxhamla le ntsikelelo kunokuba yindlela enamandla kakhulu yokuqokelela ubutyebi obongezelelweyo ngaphezu komsebenzi wakho.
Ukucinga ngeeNtlawulo eziThatywayo kwiNgxowa-mali eziNcinci njengeNzala-mboleko
Cinga ukuba iminyaka elishumi elinesihlanu edlulileyo, uthenge ama-10,000 e-AutoZone nge-$ 26.00 nganye ngexabiso elipheleleyo leendleko ze-$ 260,000. Unamathele izitifiketi zesitokethi kwintlambo kwaye awuzange uzibheke. Uhlolisisa iphephandaba uze ufumane ukuba izabelo zivaliwe ngoLwesihlanu kwi-439.66. Izabelo zakho eziyi-10,000 ngoku zixabiso lemarike lika-4,396,600. Akuzange kubekho izabelo ezihlawulwa ngexesha lokubamba.
Ngoku uhleli kwi $ 4,396,600, ezingama-260,000 zama-dollar ezimele utyalo lwakho lwangaphambili kwaye i-$ 4,136,600 ibonisa i-capital income engabonakaliyo.
Ukuba uhlala kwindawo yaseKansas kwaye ufanele uthengise izabelo zakho, uza kufumana irhafu ye-15% kwi-Government Government kunye ne-6% yentlawulo kwi-State of Missouri, eyi-21%. Ngaloo ndlela, i-$ 4,136,600 yakho kwimali engenakwenziwa, i-$ 868,686 iyimfuneko yentlawulo ekufuneka uyihlawule umzuzu xa uthengisa ubunini bomnini wakho kumthengisi okhethekileyo.
Umtyalo-mali olambileyo uWarren Buffett uye wabonisa ukuba umnini-mali wexesha elide kufuneka acinge nge $ 868,686 njengesiboleko esingenasithakazelo kuburhulumente baseburhulumenteni kunye noorhulumente. Ngokungafani namatyala aqhelekileyo, ufumana inzuzo yezinto ezininzi ezisebenzela wena kodwa awukho iintlawulo zenyanga, awuhlawulwanga ntlawulo yenzalo , kwaye ufumana isigqibo sokuba i-bill bill ifike nini. Ngethuba nje ngokuba uqhubeka ubamba izabelo zakho, ufumana i-$ 868,686 i-dollar imali esebenzayo kuwe eya kutshabalalisa ukuba unquma ukutshintsha izihlalo kwaye utshintshe isitokisi sakho kwi-AutoZone kwenye inkampani.
Ukuba i-AutoZone ikhula ngokwezi-10% ngonyaka ngonyaka weshumi elizayo, oku kuthetha ukuba kunyaka wokuqala wedwa, uza kuqokelela phantse i-$ 87,000 eyongezelelweyo kwimalike yemarike enokungeke ukwazi ukuyifumana yinyaniso efanelekileyo I-868,686 yee-868,686 isasetyenziselwa inzuzo yakho. Oku kude kuqhubeka, ufumana lo mjikelo wobugcisa obunokubeka ukuthenga nokugcina utyalo-zimali kwintsimi eninzi kumthengisi wosuku, ngaphandle kokuba izitokethi zeplastiki zisezingeni eliphezulu.
Imirhumo ekhethiweyo inokukwenza ukuba izuze ngakumbi ngakumbi ukugcina iAfa ephezulu ngaphezu kokuyishintsha kwiAset
Le ngenye yezizathu eziphambili awuboni abantu abacebileyo okanye abaphathi beepotifoliyo abaphumelelayo abathengisa izikhundla nje ukuba batshintshele kwisitokethi esingaba yinto encinci yentengiso.
Yithi unayo i-PepsiCo eyi-$ 1,000,000 eyakhiwe ngaphezu kwamashumi eminyaka. Isiseko sakho seendleko ngu-$ 100,000. Oko kuthetha ukuba i-$ 900,000 ibonisa i-capital benefit engaphaya. Kwimeko yakho, i-189,000 yeerhafu kwiirhafu ezichaziweyo ziza kuthathwa njengetyala lokuhlawula kwibhalansi yakho. Izabelo zakho zePepsiCo zithengisa ngemali engama-20x, okanye isivuno se-5%. Oko kuthetha ukuba inzuzo yakho yePepsi inzuzo ngonyaka ngamnye i $ 50,000.
Ngoku khawucinge i-Coca-Cola imisebenzi kwi-17x kuphela yemivuzo kunye nezinga elifanayo lokukhula okucetywayo kunye nokuhlawula umvuzo. Oko kukufumana isivuno se-5.88%, esiyi-17.6% ngaphezu kwe-PepsiCo enikela ngemigangatho ehambelanayo, 0.88% ngaphezulu. Ukuba yonke i-$ 1,000,000 yakho isetyenzisiwe kwi Coke, isabelo sakho semali enenzuzo siya kuba ngu-58,800 zamaRandi. I-$ 8,800 eyongezelelweyo kwimvuzo oyimfuneko ayiyinto engabalulekanga.
Njengoko uyazi ngoku, akunjalo!
Masiqhube izibalo ukuze sibone oko kwenzeka ntoni ukuba wenze ishintsho. Uthengisa amasheya akho e-PepsiCo uze ubone i-$ 1,000,000 ngemali kwi- akhawunti yakho yomrhwebi . Ngokukhawuleza uqalise i-bill ye-189,000 yeRhafu kunye neyorhafu yeerhafu, ekushiye nge $ 811,000. Ubeka le $ 811,000 ukusebenza kwizabelo zeCoca-Cola kwisivuno se-5.88%, oku kuthetha ukuba isabelo sakho semali esiyi-47,687 ngonyaka. Njengoko kunqabileyo, njengoko uvakalelwa, ulahlekelwe i-$ 2,313 kwimali engenayo, okanye i-4.6% yento oye wavelisa ngokungekho ngqo ngonyaka, nangona kuthengwa i-asethi kunye nokuvelisa okuphezulu.
Into enjalo ingenzeka njani? Ukulahleka kwemali xa ubenze ireyithi yentlawulo yenkcitho ehlawulwayo yenzelwe ukuba imali ephantsi yayiqeshwe kuwe. Kule meko, kwanele ngokwintsikelelo yokuba idlulile kwinzuzo yemali ephezulu yokufumana isivuno kwisitothi esincinci. Ngako oko ukuziphatha kwebali: Emva kokuba usungulwe kwaye ucebile kakhulu, wakha iphothifoliyo yakho ngokunyamekela kwaye unakekele ixesha elifutshane, ukuhamba phakathi kweenkampani kwinkampani kwi-akhawunti ehlawulwayo kungenza umsebenzi obizayo okhubaza iziphumo zakho emva kwentela. Kwiimeko ezinqabileyo, kunokukwenza ukuba ugqibelele kukugqithiseleyo kunokuba ungenakho nokuba unobangela wokubuyiswa kwakho kwentlawulo ngaphambi kokuhlawulwa . Yingakho abaphathi bezobutyebi abanolwazi bajolise kwietrikhi ezibalayo: Inani lemali esele ihlawulwe ngokunyuka ngonyaka, inkokhelo yentlawulo kunye nokunyuka kwamaxabiso, okuveliswe ngotyalo-mali.
Ekugqibeleni, irhafu echaseneyo ibonisa uhlobo lokubaluleka olunamathuba ambalwa, ukuba kukho na, iingxaki zokubangela. Yimandla omele uyenze ubuncinci ukuba ujonge ukuba unokuzivumelanisa nesicwangciso sakho sexesha elide ukuze uzuze kwimiphumo yaso.