UCwangciso lwezeMali, uCwangciso loPhuhliso kunye noNcedo lwezoTyalo-mali
Kukho iminikelo enkonzo ekhethekileyo kwiinkonzo zezezimali zezimali kwaye ukuba ucinga ukuba unokufuna iingcebiso zezezimali uza kufuna ukuchitha ixesha ukuqonda ukuba zinjani iintlobo zengcebiso ezingathengwa, kwaye ngubani ozinikezelayo.
Makhe sijonge kwiintlobo eziphambili zeengcebiso zezimali onokuzifuna; ucwangciso lwemali, iingcebiso zotyalo-mali, kunye nokucwangciswa komhlalaphantsi.
Cwangciso lwezeMali
Ucwangciso lwemali lubandakanya ukujonga imeko yakho yonke yemali nokubeka isicwangciso sokukuthatha kwisikhokelo ofuna ukuya kuso.
Kubandakanya ukujonga uhlobo lokubolekwa kwemali (kunye nazo zonke iintlobo zamatyala), iimfuno ze-inshorensi yakho kunye nokufumana i-current coverage, izinzuzo zeenkampani ezifana ne-401 (k) izicwangciso, ukhetho lwezithuba okanye izicwangciso ze-comp. Ezinye izinto ziquka imeko yentsapho, ukuzinza emsebenzini, imichilo yokuchitha imali, amaxwebhu omthetho kunye nezicwangciso zomhlalaphantsi. Ngokuqinisekileyo Umcwangcisi wezemali uza kubheka yonke into enokuyenza kunye nemali yakho kwaye kukunceda wenze icebo lokuhlaselwa eliza kukunceda ufinyelele iinjongo zakho.
Umcwangcisi wezemali ubonisa ukuba yiziphi iindidi zeakhawunti ekufakeni isandla, kwaye ngokugqithiseleyo kwexesha, oku kufuneka kuholele ekutheni inetha elijoliswe kuyo okanye ubungakanani bexabiso le-akhawunti njengoko ufuphi umhlalaphantsi.
Iingcebiso zoTyalomali
Iseluleko sotyalo-mali sinxalenye eyodwa encinci yokucwangcisa imali. Inxulumene nalapho ubeka khona imali yakho kwaye ingaquka ukukhetha imali ngaphakathi kwiplani yakho ye-401 (k), ukhetha izitokhwe kunye nezibophelelo, nokuvavanya ingozi yokubeka imali yakho kwishishini elitsha.
Abacebisi bezentshaba bafumana i-specialty efana nokulawula izibophelelo, amasheya, ukudala kunye nokulawula iindlela zokukhetha, okanye ukulawula iimali ezihlangeneyo ngokusebenzisa indlela yokwabiwa kwempahla.
Abanye abacebisi bezocalo-mali bathetha ngokunyamekela ngokufanelekileyo kunye nokuphonononga abanye abacebisi ukuba bakhethe uhlobo olufanelekileyo lomcebisi kwicandelo ngalinye.
Njalo ucele umcebisi-mali-mali ukuba yintoni ekhethekileyo ngaphambi kokuba aqeshwe. Yilumke umntu othi batyala imali kuyo yonke intlobo-mali-mali kuba akukho mcebisi-mali-mali onokuyenza kuyo yonke into. Umcebisi omhle wotyalo-mali uyazi ukuba ufuna ubuchule obungaphandle kwimiba ethile yepotfolio yakho.
UkuCwangciswa koMhlalaphantsi
Ukucwangcisa umhlala-phantsi kubandakanya isicwangciso sekhono esithatha ngaphaya kocwangciso lwezemali okanye ukubonelela ngeengcebiso zotyalo-mali.
Umsebenzi womcwangcisi womhlalaphantsi kukuthatha zonke iimpahla zakho zezezimali kwaye wenze isicwangciso esiphumela ekunikweni kwengeniso yenyanga yithembekileyo xa ungasebenzi. Bayijonga yonke impahla yakho kuquka i-Social Security, ipenshini kunye no-401 (k), nayiphi na umsebenzi wesikhathi-nxaxheba owenzayo, kunye nendlela umvuzo womlingane wakho ngayo kubalo.
Umcwangcisi wokuthatha umhlala-phantsi uza kucwangcisa ukuba ingakanani imali engenayo yomhlala-phantsi ongayilindela ukuba nayo ngexesha, kwaye yiziphi iakhawunti eziza kuphuma kuzo. Bangakubonisa indlela oza kulindela ngayo ukuhlawula irhafu kunye neendleko zonyango. Bakubonisa indlela ukunyuka kwamaxabiso kungathintela ngayo iimfuno zakho zokuchitha imali, kwaye zeziphi izigqibo eziya kunceda ukubeka ixesha elizayo uneminyaka eyi-80 ubudala kwindawo ekhuselekileyo.
Nangona abanye abacebisi ngezezimali baza kukunceda ucinge ngaphambili kwaye uceba umhlalaphantsi, umcwangcisi womhlala-phantsi uza kujula kakhulu ekubaleni nasekubikezelweni.
Umntu ozama nje ukukuthengisa umveliso okanye ukuxelela ukuba wenzeni ngemali yakho ayikho umcwangcisi womhlalaphantsi. Njengoko usondela kufuphi nomhlalaphantsi uya kufuna ukucaciswa ngokucacileyo apho iholo lakho elizayo liza kusuka khona.
Ngaba Ndinako Bonke Abathathu?
Kungenxa yokuba umntu unikezela ukucwangcisa imali akuthethi ukuba banikeza iingcebiso ngezolimo kunye / okanye ukucwangcisa umhlala-phantsi, okanye ngokuthe ngqo. Qinisekisa ukuba uyayiqonda into eyahlukileyo ngaphambi kokukhangela inkonzo oyifunayo.
Amanye amafemu (amaxesha amaninzi eengcebiso-mali kuphela ) anezobuchule kuzo zonke iindawo ngenxa yokuba banabasebenzi abaneleyo, okanye izibonelelo ezingabathengi abangaphandle, okanye abacebisi beengcali abanemimandla yendawo ye-niche, ebenza ukuba bakwazi ukwenza yonke indawo.
Olu hlobo lomeleleyo lunokuba ikhaya elide eliza kufezekisa izicwangciso zakho zezemali, utyalo-mali kunye nokucwangcisa umhlalaphantsi ngaphandle kokufuna ukwenza utshintsho kamva ebomini.