Kuba nabani na ocwangcisiweyo-okanye benethemba- ngelinye ilanga bayothatha umhlalaphantsi, iVanguard ivelise ngokutsha iingcebiso ezininzi. Kwiposi yeblogi, inkampani yomrhwebi yacela umhlalaphantsi kwaye ibuyele ngokukhawuleza ukuba ifunde umhlala-phantsi, "Ukuba unokwenza, ungenza njani ngokuhlukile ukulungiselela umhlalaphantsi?"
Umbuzo wabangela iimpendulo eziliqela eziliqela. Nazi ezinye zeempazamo eziphambili, iimpendulo ezimele, kunye neengcamango zokuphepha ukuzenza iimpazamo ezifanayo.
Ukuqala ukuTyala imali ngaphambili
UJohn L. wabuhlungu ngenxa yokuba akazange aqale ukutshala imali de ibe malunga no-40. "Ndingamama-55 ngoku kwaye ndinobuhle, kodwa ndiza kuba ngcono xa ndiqalise kuma-20s. Amandla okuqulunqa amandla amakhulu, kodwa asebenza kakuhle kumashumi eminyaka. "
Ukuthabatha? Ixesha lenza umehluko omkhulu kwimbuyekezo yakho yokutshala imali. Ngokomzekelo, ukuba utyalomali i-$ 200 ngenyanga ngeminyaka engama-50 kwaye ufumane i-7 yepesenti yokubuya ngonyaka, uya kugqiba nge-$ 1 yezigidi. Kodwa ukuba utyalomali kwiminyaka engama-40 endaweni yoko, uthabatha imali efanayo yenyanga kunye nokubuya kweminyaka, uya kugqiba malunga nesiqingatha.
Ukwenza izigqibo zoTyalo-mali ezingaziwa
URoger B wathi, "Ngethuba lokuqala, 'ndathengiswa' ngeendawo zokuhlala zentela zangempela, kwaye ke ndilahlekelwe yilezo zityalo-mali. Ndaziqonda xa umthengisi ehleli egumbini, kodwa ekuhambeni kwabo, ngokunjalo ukuqonda kwam. "
Ukuthabatha? Musa ukwenza izigqibo zentsholongwane. Kunoko, qinisa i-asethi yakho yokwabiwa kweefa kunye nokwakha iphothifoliyo yakho ngokufanelekileyo. Ukuqinisekisa ukuba iphothifoliyo yakho inesabelo esifanelekileyo se-stock / bond, esekelwe kwisithuba sakho sokutyalomali kunye nesimo sengqondo esinye sesona sibalulekileyo sitshixo ekuphunyezweni kwakho.
Ukutshala imali kakhulu kwiSitoreli sakho seMqeshi
Umfundi ohamba nge "Cracking Retirement" wazisola, "Ukutshala imali yam engama-20 kwiminyaka endiyisebenzele yona. Yanikwa isabelo esihle kwaye yabonakala iqhuba kakuhle. Kwaye kwafika ukuhlaselwa kuka-2008 ... Saphelela ukulahlekelwa ixabiso elincinane lamanani ayisithupha. "
Ukuthabatha? Ukuba umqeshi wakho waphuma kwishishini, kuya kuba nzima ngokwaneleyo ukulahlekelwa ngumsebenzi wakho. Ukulahlekelwa yinto enkulu yokulondoloza umhlala-phantsi kwakunye nokuba utyalomali kakhulu kwisitokisini saso kuya kuba buhlungu. Ukulawula loo mngcipheko, ungabamba ngaphezulu kweepesenti ezili-10 zepotfolio yakho kwimpahla yomqeshi wakho.
Ukukhetha i- IRA yesintu okanye 401 (k) Endaweni yeRoth
I-SS yathi, "Ukongezelela ekubeni neentlobo ezahlukeneyo kwiiklasi ze-asethi, kufuneka ndibe neentlobo ezahlukeneyo zentela-oko kukuthi, ininzi yam imali i-401 (k) isicwangciso (kungekudala kuya kuba yi-rollover IRA), ngoku ngoku yonke into rhoxiswa.
Ukuthabatha? Xa usemagqabini okuqala komsebenzi wakho kwaye ingeniso yakho ikubeka kwibakethi yerhafu ephantsi, iRoth ingaba luncedo kakhulu. Xa uqhubeka kunye nomsebenzi wakho kunye nokufumana ngaphezulu, umgangatho 401 (k) okanye i-IRA ungcono. Nangona, ukwazi ukuba yintoni eyona nto ifuna ukuba ungayazi nje i-bracket yakho yangoku yerhafu kodwa ibhonksi uza kuba nayo ngexesha lomhlalaphantsi.
Ekubeni ungeke uqikelele ukuba, kungcono kakhulu ukufaka isandla kwi-401 (k) / IRA kunye neRoth.
Ukuthatha ukhuseleko lweNtlalontle kakhulu
UJudith A. wathi, "Xa ndathatha umhlalaphantsi, ndenze iphutha lokuthatha iNgcaciso yamNtlalo eneminyaka engama-62, ndingayiqapheli ukuba ingaba ndingayifumana kangakanani inyanga nganye ukuba ndilinde."
Ukuthabatha? Kubantu abaninzi banokulinda ubuncinci kude kube yimihla yokuhlala umhlala phantsi ngokupheleleyo (67 kumntu ozelwe ngo-1960 okanye emva koko) ukuba athathe inzuzo yeNtlalo yeNtlalo, xa isixa sakho semali siza kuba ngama-33 ekhulwini phezulu kuneminyaka engama-62. de kube yiminyaka engama-70, xa inzuzo yakho iza kuba phezulu.
Ukugxininisa kuphela kwiiMali zeCandelo loPhuhliso
UJim B: "Ndaye ndahlala kwindawo ebonakalayo yezobugcisa iminyaka emininzi kwaye xa iphelile ngokukhawuleza, ndandilahlekelwa yinto endiyenzayo."
Ukuthabatha?
Musa ukuhlala phantsi kwinto ethile; uthathe umhlalaphantsi kwinto ethile, njengokuzivolontiya kunye nentlangano oye uyayikhathalelayo, ukuguqula into yokuzilibazisa kwi shishini elincinci, okanye enye into oye wayifuna ukuyenza.