UkuPhephelwa kweNgcaciso yeMali
Ihla kwiimathematika ezisisiseko.
Izibonelelo zeMali zikaMasipala eziThengiswayo ezingaphantsi kwamaBondari ahlawulwa rhoqo
Kuyinto enobungqina bentlawulo yee-bonds zomasipala ezithengisa irhafu ngaphantsi kohlobo lwabo abahlawuliswayo (izibophelelo zenkampani, izibophelelo ze-Nondyebo, kunye nokunye). Ukuzibeka kwi-parity, kufuneka ubale into eyaziwa njengesivuno esilingana nentlawulo, ongayifunda ngokubanzi . Ukususela ngo-2016, iibhondi ze-AAA zeminyaka engama-20, ezihlawulelwayo ngokupheleleyo, zivumela u-3.90%, ngelixa i-AAA i-AAA i-bond-free bonds isithuba se-2.19%.
Ukwahlukana kwe-1.71% akubalulekanga.
Cinga ukuba unamaRandi ayi-100 000 kwiRoth IRA yakho, eyakhiwe ngaphezu kweminyaka yokugcina imali ngokucophelela. Inzuzo enkulu yeRoth IRA yakho kukuba phantse yonke ingeniso efunyenwe ngaphakathi kwegobolondo layo elikhuselekayo ayinakho kwiirhafu. Akukho ntlawulo yerhafu, akukho ntlawulo yerhafu, akukho ntlawulo yerenti, kwaye akukho ntlawulo yerhafu yenzuzo . Kule meko, ubuya kuba ukhangela amabhondi amabini, omabini anikwe i-AAA, kunye nobabini abavuthiwe kwiminyaka engama-20.
Nangona kunjalo, isibophelelo senkampani siya kukuhlawula i-$ 3,900 ngemali ngonyaka, ngelixa ubhonkco kamasipala uza kukuhlawula i-$ 2,190 inzala ngonyaka. Akukho mntu onengqiqo oya kuhlawula i-$ 1,710 kwimali-mali yamahhala ehleli etafileni. Amandla e-Roth IRA yakho inkulu kakhulu kangangokuba yenza iibhondi zenkampani zentlawulo-ntlawulo!
Qaphela i-Asset Positioning Ukuba Unayo i-Roth IRA
Kukho uhlobo lweqhinga lokulawula iphothifoliyo elibizwa ngokuba yi- aseset ukubeka izinto kwiimeko ezahlukeneyo, ezininzi ezincike kwiRoth IRA. Ngokujonga apho uvelisa khona imali engenayo , kwaye ujonge ukuba yeyiphi intlobo yengeniso ehlawuliswa ngokubhekiselele kwindlela abanjwe ngayo, umntu osebenzisa isikhundla se-asethi uya kulungelelanisa ubomi bakhe bezemali ukuze akhulise imali epheleleyo emva kwentela engayenza kugcina.
Zibone wena ngokwakho ngaphandle kwee-portfolio ezingama-500,000 kunye ne-$ 250,000 kwiRoth IRA kunye ne-$ 250,000 kwi- akhawunti ye-brokerage . Unotyalo-mali ezimbini kuphela. Iyokuqala kukuqokelelwa kweebhondi ezihlawula i-5% ngonyaka, okanye i-$ 12,500 ngonyaka. Okwesibini luqoqo lwe- chip chip ezihlawulelwayo ezingabhataleli izabelo.
Ukuba ubeka i-stock non-dividend ehlawula i-Roth IRA, ibambe iibhanki ezihlawuliswayo kwi-akhawunti ye-brokerage, kwaye ungama-35% kwibakethi, uza kuphelisa nge-$ 8,125 ngemali engenayo ngemali ngonyaka.
Nangona kunjalo, ukuba utshintshile ezo zityalo-mali ezimbini kwaye ubeka iibhanki ezihlawuliswayo kwiRoth IRA kunye ne-non-dividend ehlawula iifowuni kwi-akhawunti ye-brokerage, uya kugcina zonke i-12 500 zama-$. Le yintlawulo engaphezulu kwe-4,375 yeRandi, okanye i-53.85% eyongezelelweyo imali kunokuba ungenayo enye into, ngenxa yokuba uye wabamba njani iindawo zakho zokutshala imali.
Ezi zinto ezincinci zibaluleke, ingakumbi ngexesha elide. I $ 4,375 eyongeziweyo kwi-10% kwiminyaka engama-50 iphantse i-$ 5,100,000. Ihlawula, ngokwenene ngokoqobo, ukugcina iliso kungekhona nje kwizinto eziphathekayo oziphetheyo, kodwa apho ubeka khona ezo zimpahla.
Umgaqo-Jikelele weRoth IRA Investments
Nangona iimeko zomntu ngamnye zihlukile, kwaye kufuneka ziqwalaselwe xa zenza izigqibo zemali, ulawulo oluqhelekileyo lwesigodlo se-Roth IRA utyalo-mali kukuba kufuneka uzame ukubeka ubuncinci obuthile bentela kunye ne-asethi kwi-IRA ngokwayo, ngelixa ephethe ininzi yokubambisa irhafu kunye neefa ngokusebenzisa ezinye iindidi ze-akhawunti eziqhelekileyo, kubandakanye ukubhaliswa ngqo , ii- DRIP kunye ne-akhawunti ye-brokerage.
Ii-asethi ezivame ukuyiqonda ziyi-tax benefits-benefits xa ziqhathaniswa nazo ezilahla ubuninzi bemveli yobutyebi ngendlela yemali.
Iibhondi zenkampani ngokuqhelekileyo zihlala zikhethwa kakuhle kwiRoth IRA, njengoko iindawo eziphezulu ezithengisa imali kunye neentengo zokutshala imali .