Indlela yokwenza iMali ngokuHlulwa koTyalo-mali
Cinga nje ngolu hlobo lwenkcazo yesibini yeeklasi ukwenza imali ngokutyalomali kwizabelo ezihlawula iifowuni.
Ndingayifumana njani Imali Kwimida?
Ufuna ukwazi indlela yokwenza imali ngezabelo? Okubaluleke kakhulu, zonke zibhalela kwinto enye elula: Inkampani ifumana inzuzo. IBhodi yabaLawuli , amalungu atyunjwe ngabagcini-zimpahla (abanini), unentlanganiso kwaye uphulaphule iziphakamiso zolawulo malunga nokuba ininzi yenzuzo kufuneka ibuyiswe kwakhona ekukhuleni, ingaba kufuneka isetyenziswe njani ukuhlawula ityala, ingaba likhulu kangakanani kufuneka isetyenziswe ukuthenga i-stock back , kwaye kufuneka ukuba uthunyelwe kangakanani kubanikazi. Inxalenye yokugqibela-imali eyithunyelwa kubanikazi-ibizwa ngokuba ngumrhumo.
Inkqubo yokwenza imali ngokuhlula ulwabiwo-mali iquka ukufuna iinkampani ezinethuba elihle lokwandisa umvuzo emva konyaka, okwenza imali eninzi iqhube kwi-akhawunti yakho yasebhanki. Njengoko kuthengiswa kunye nenzuzo ikhula, ngokunjalo isahlulo, okanye oko kucinga kuhamba.
Imali oyenzayo kwizabelo zakho ingahlawulelwa, isetyenziselwe ukuhlawula iindleko zendlu, ukuthumela umntwana kwikholejini, ukuqala ishishini, ukuhlawula ikhefu okanye ukunikezelwa ngothando. Izabelo ezininzi ezingabakho kwiimpahla eziphezulu zezahlulo, imali eninzi oyenzayo kwizabelo. Ngokwenyani, ulwabiwo-mali uhlawulela ubomi obuthatha uhlobo oluthile lotyalo-mali njengomntwana onokuqokelela amakhadi ebhola.
Ukwenziwe ngokuchanekileyo, umrhumo-mali olwabiwo-mali kunye nemali engenayo yekhaya iyaqhubeka nokwandisa kwaye ikhule icebile njengoko ixesha lidlulayo. Ngaphezulu kweminyaka engama-30, 40, iminyaka engama-50 okanye ngaphezulu, kuya kwenzeka ukuba ufumane amawaka eedola ngonyaka, okanye ngaphezulu, kwiintlawulo kuphela.
Umzekelo wokwenza imali kwi-Dividend Investment
Ukuze ubone indlela oku kusebenza ngayo kwihlabathi lenene, cinga ngomfana othile ogama linguAnthony. Uneminyaka eyi-18 ubudala kwaye sele ejoyine abasebenzi. Uthatha isigqibo sokuba ufuna ukuqala ukwenza imali kwiimpahla zokuhlawulela ukuze aqalise ukutshala imali kwizabelo zomgangatho ophezulu, iinkampani ze- blue chip ezibonisa ukukhula okusemgangathweni, ama-balance sheets, kunye neembali zokwandisa isahlulo esikhokhelwa kubanini-zimpahla ngexesha. Ufuna ukukhusela irhafu ukwenzela ukuba avule iRoth IRA ukuba ibambe iisabelo zakhe, ukuqinisekisa ukuba usebenzise umyinge we- Roth IRA umda ngamnye unyaka. Oko kuthetha ukuba unako ukugcina i-$ 5,500 ngonyaka, okanye i-$ 458.33 ngenyanga. Nangona nje elandela imithetho yeRoth IRA imali, akayi kuhlawula irhafu enye kwiirhafu ngemali ayenzayo kwi-akhawunti.
U-Anthony ulawula ukukhula kwakhe utyalomali kwi-8% kwiminyaka engama-50 elandelayo. Ngethuba elifikelela kwiminyaka eyi-68 ubudala kwaye likulungele ukuthatha umhlalaphantsi, iphothifoliyo yayo iye yahluma kwi $ 3,155,735.86.
Ukuba unyanzelisa isivuno sesahlulo esi-3%, uya kuqokelela i $ 94,672.08 ngemali ekhethiweyo ngonyaka. Khumbula, akayi kuhlawula irhafu enye kwiirhafu kule ntlawulo ngenxa yokuba izitokethi zigcinwe kwiRoth IRA .
Izinto Ezibalulekileyo Ukuziqwalasela Xa Uzama Ukwenza Imali kwi-Dividend Investment
Ukwenza imali kwi-dividend utyalo-mali kubandakanya izinto ezincinci ezibalulekileyo. Ezi ziquka:
- Izahlulo zivelisa i-stock offers at the time of purchase.
- Izinga lokukhula kwinzuzo yenkampani, engasetyenziselwa ukuphuhlisa ukwanda kwezabelo ezizayo.
- Impilo yekharityhulam yenkampani. Ukutshala imali kwiinkampani ezineetoni zeetyala kunye nokunciphisa ukuthengisa kuyaqhubeka kuyingozi nangakhathaliseki ukuba isahlulo esikhulu sinokubonakala njani.
- Imithetho yerhafu yokuhlawulela yangoku.
Ukuba awufuni ukukhetha amanani esahlulo somntu ngamnye kodwa ufuna ukuzama isandla sakho ekwenzeni imali kunye nohlahlo lwabiwo-mali , unokufuna ukujonga ingxowa-mali yenkcitho ephantsi ejolise kwiinkampani zokuhlawula igalelo.
Esinye isicatshulwa esidumileyo sesahlulo seS & P 500 iSahlulo se-Aristocrats Index, esilandelayo esikhulu, i-high quality quality blue stocks kwi- S & P 500 ephumelele ukuphakamisa igalelo layo minyaka yonke iminyaka engama-25 edluleyo. Kukho iimali ezixhomekeke kwimali yokuthengiswa kweengxowa-mali (ETFs) ezifana ne-iShares Dow Jones Select Dividend Index okanye i-ETF ye-Vanguard Dividend Appreciation. Qinisekisa ukuba ufunde i- prospectus ye- fund kunye nayiphi na ingeniso yotyalo-mali ukuze uqiniseke ukuba uyayiqonda indlela ama-stocks abanjwe ngayo kwingxowa-mali akhethwa kwaye anqume ukuba ingozi ikulungele wena kunye neemeko zakho zemali.