Abantu abangakumbi nabaninzi bayamangaliswa ukuba bangabaleka kuminyaka yobudala engama-50
Fumana i-RIDD yokuba usebenze yonke imihla ufumane intlawulo
Enye indlela yokukubeka endleleni yokuthatha umhlalaphantsi kwangoko kukubona ukuba yonke impahla yakho eqokelelweyo ingavelisa uhlobo oluthile lokuhlala kwexesha elide / ufumane imali engapheliyo.
Ngo-RIDD, ndibhekiselele kwiRhafu, inzala, izahlulelo kunye nokunikezelwa:
-Izindlu eziqashisayo zokuqashisa apho umntu ekuhlawula khona urenti. Ingeniso yengeniso ngumlambo obalulekileyo wemali engenayo.
- Inzala, ulwabiwo, kunye noLwabiwo-Olu luquka inzala evela kwiintlobo ezahlukeneyo zezibophelelo, izabelo ezivela kwiimpahla, kunye nokunikezelwa kweentlobo-mali ezingahambelani ngokufanelekileyo kwisitokisi okanye kwisibambiso. Ngokuxhomekeke kwindlela iphothifoliyo yakho enzima ngayo, i-portfolio yokuvelisa iphothifoliyo kufuneka ikwazi ukuvelisa "ukuhamba kwemali" yonyaka kwi-4 ukuya kwi-5 yeepesenti. Siza kuxubusha oku ngokuqhubekayo kwinqanaba elilandelayo lebhola.
Ingeniso yokuTyala
Njengomgaqo oqhelekileyo, abahlala phantsi abadala kufuneka bacebe umlinganiselo wokuhoxiswa kwe-5%, kodwa abatsha abahlala phantsi kuma-50s kufuneka bacebe kuphela ukuhoxisa malunga neepesenti ezi-4 ngonyaka. Ngokomzekelo, ukuba unayo i-$ 1,000,000 kwiimali-mali zakho, uya kukwazi ukurhoxisa i-$ 40,000 ngonyaka kwimali engenayo engenayo kwi-4% yezinga lokuhoxisa.
Hlanganisa le $ 40,000 ukuya kwingqungquthela yengeniso kwiindawo zokuqashisa, kwaye uya kuba yindlela yakho eya kwimali engenayo yonyaka, ngaphandle kokungena kwiofisi.
Umsebenzi wexeshana
Ukwandisa ingeniso ezayo emnyango wakho, nangaphezulu, unokuqwalasela umsebenzi othile wexeshana. Ukuba uzama ukuthatha umhlala-phantsi kwi-50, ngoko usencinane, kwaye ingqondo yakho isomelele!
Cinga ukuthatha indawo yexesha-nxalenye ukwenza okuthandayo okanye usebenze kwi-consulting capacity. Ukuba nomsebenzi wesikhathi esithile, kungekuphela nje ukuba uya kwenza imali eyongezelelweyo, kodwa kuya kukuvumela ukuba uhoxise ngaphantsi kweqanda lakho lesidleke.
Akukho Mboleko
Ukuba ungathanda ukuhlala phantsi, uya kufuna ukufumana indlela yokugcina iindleko eziphantsi. Enye indlela enkulu yokwenza oku kukuhlawula imali yakho . Leyo yinye ibhilidi ephakamileyo ukuba awusayi kuba nexhala malunga nenyanga.
Ukhathalelo lwempilo
Ukuba awusebenzi kwakhona, uya kufuna ukuqinisekisa ukuba ukhangele umgaqo-nkqubo wabucala ukuba udibanise i-gap uze uvumeleke kwi-Medicare eneminyaka engama-65. Nantoni na oyenzayo, ungazishiyi ngaphandle kwecebo lokunakekela impilo .
Imirhumo, Ugcino, Ubomi
Qinisekisa ukuba unendlela efanelekileyo yokusebenzisa imali kunye nokugcina imali yakho. Khumbula isicwangciso se-TSL - irhafu, ukugcinwa, ubomi. Ngokubanzi, iipesenti ezingama-30 zemali engenayo iya kuhlawula irhafu, kwaye iipesenti ezingama-20 ziya kukulondolozwa, zikushiye ngeepesenti ezingama-50 ezifunayo kunye neemfuno zakho.
Qala ekuqaleni
Ukuthatha umhlala-phantsi kusenjenjalo kufuna ukuqala kwentloko kwaye ulondoloze ekuqaleni. Qinisekisa ukunikela kwangaphambili kuzo zonke izithuthi zomhlala - phantsi ezikhoyo kuwe kuquka i-401k, IRAs, i-SEP IRAs, kunye ne-akhawunti yerhafu yerhafu emva koko, ukubiza ngambalwa.
Ukulungiswa
Ekugqibeleni, kodwa ngokuqinisekileyo, ukuhlala umhlala-phantsi kusenokuba ngumlinganiselo omkhulu wokuqeqeshwa. Oku kunokuthetha ukuba unika izinto ezimbalwa ngoku ukuze ube nobomi obungcono kamva. Zonke iimeko zihlukile, kodwa ukuhlala phantsi kuma-50 akusayi kwenzeka ngaphandle kwesiqhinga esihle nokuzithiba.
Landela le mithetho, kwaye nawe uya kuba nako ukuhlala phantsi ngaphambi kokuba ucinge. A
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza.
Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.