UkuCamngca kweMveli kwiNgxelo yeRhafu yeRhafu yeNgxowa-mali ingadlulanga
Indlela yokuhoxiswa kwemveli isebenzisa into ebizwa ngokuba yi -4-percent rule . Lo mgaqo uthi unako ukurhoxisa malunga neepesenti ezi-4 zenqununu yakho ngonyaka, ngoko unako ukurhoxisa i-$ 400 nganye kwi-$ 10,000 eyi-investing.
Kodwa awuyi kukwazi ukuchitha yonke into. Ezinye zee $ 400 ziza kuhlawula irhafu.
Ukuba le yodwa indlela ojonga ngayo ukuba ungayichitha ixesha elingakanani umhlalaphantsi, wenza okungalunganga. Ukubala izinga lokurhoxisa ngokukhuselekileyo liyiyo ingcamango efanelekileyo, kodwa ayiqwalasela izicwangciso ezinokunyusa iholo lakho emva kwentela. Unokushiya imali etafileni ngokusebenzisa kuphela izinga lokuhoxiswa njengesikhokelo.
Iimali ezichaphazelayo njani Unokuzikhupha ezininzi
Cinga ngokwemigqaliselo yenkcazo kwaye uqaphele xa kunengqiqo ukuguqula imithombo ethile yengeniso. Esinye seziganeko ezinkulu oza kucinga ngazo ekuphuhliseni isicwangciso sokurhoxisa umhlala - phantsi ngumvuzo werhafu emva kwentlawulo eya kufumaneka kuwe kwixesha lakho lomhlalaphantsi.
Ngokomzekelo, ukucinga kwendabuko kukuthi kufuneka ulibazise ukuhoxiswa kwi-akhawunti yakho ye-IRA de ufikelele kwiminyaka engama-70 / 1/2 xa kufuneka uqale ukuthabatha ukunikezelwa okuncinci .
Kodwa lo mgaqo wesohlwayo uvame ukungahambi kakuhle. Izibini ezininzi-nakuba zingenabo bonke-zinethuba lokunyusa inani lemali engenayo emva kwentela efumanekayo ngokuthatha i-IRA ukwabiwa kwangethuba kwaye ilibale ixesha lokuqala loNcedo lweNtlalo. Emva koko banokunciphisa oko bahoxayo kwiakhawunti yomhlala-phantsi xa i-Social Security iqala.
Oku kuthetha ukuba eminye iminyaka ungayihoxisa ngakumbi kwi-akhawunti ye-investments ngaphezu kweminye iminyaka, kodwa umphumo wokugqibela ufumane imali engenayo emva kwentlawulo.
Ingakanani izinga lokubuyisela elichaphazelayo Linokuthi Unokukukhupha njani
Uya kufuna kwakhona ukuchitha ixesha elithile ufunda iirhafu zokubuya ukuze ukwazi ukuqonda indlela izinga lokutshala imali lwakho elichaphazela ngayo unokuthi uhoxise umhlalaphantsi. Unokufumana iminyaka engama-20 yembuyekezo enkulu, okanye ungatshaya ixesha loqoqosho apho izinga lentengo liphantsi kwaye ukubuyiswa kwempahla kusekhowudi enye.
Unokubakhokelela ekubuyiselweni okubuhlungu xa usebenzisa isicwangciso sakho sokurhoxisa umhlala-phantsi ukufanisa utyalo-mali kunye nexesha ngexesha uya kulusebenzisa. Ngokomzekelo, ukuba kunengqiqo ukuthatha ingeniso kwi-IRA yakho ekuqaleni, uya kufuna iimali oza kuyidinga kwiminyaka emihlanu ezayo ukuba zibekwe kutyalo-mali olukhuselekileyo . Ngakolunye uhlangothi, loo mali inexesha elide lokusebenzela kwaye unokutsalwa ngokugqithiseleyo xa isicwangciso sakho sokurhoxisa sibonisa ukuba kukulungele ukuba usibazise iRARA ukuxhoma ukuya kwi-70 1/2 yobudala.
Le nkqubo yokutshatyalaliswa kotyalo-mali kuya kuxa uya kuwufuna, ngamanye amaxesha ibizwa ngokuba yi- segmentation time .
Kuthiwani Ukuba Uyeka Ukukhulula?
Kuya kuba kubalulekile ukulandelela ukuhoxiswa kwakho kwisicwangciso sakho sokuqala ngexesha lakho lokurhoxisa isicwangciso senzelwe, kwaye uya kufuna kwakhona ukuhlaziya isicwangciso sakho unyaka nonyaka.
Ukuthatha imali eninzi kakhulu kungekudala kunokubangela ukuba kubekho iingxaki kamva.
Siza kusebenzisa umzekelo kaSusan, otyalo lwakhe lube lukhulu kakhulu kwiminyaka embalwa yokuqala yomhlalaphantsi. Wayebambelela ekufumaneni imali ethe xaxa ngaloo minyaka. Wacetyiswa ukuba icebo lakhe liye lavavanywa kwiimarike ezitshintshileyo ezilungileyo kunye ezimbi kwaye ziza kubeka ingozi yakhe kwingeniso yexesha elizayo ngokuthatha ezi ntlawulo ezongezelelweyo ekuqaleni. Ixabiso lokubuyisela ngaphezulu kweepesenti ezili-12 aziqhubeki ngonaphakade, ngoko ke kufuneka ukuba ebhankile ezo ntlawulo ezongeziweyo ukwenzela ukuba azisebenzise kwiminyaka xa utyalo-mali lungazange luhambelane.
USusan unqwenela ukuba athathe imali eyongezelelweyo ngokukhawuleza, kwaye iimarike zenyuka emva kweminyaka embalwa. Wayengenazo iinzuzo ezongezelelweyo ezibekwa bucala kwaye iakhawunti yakhe yayiphelile.
Wagqiba ukuhlala kwi-bhajethi engqongqo kunokuba ube nemali "eyolisayo" eyongezelelweyo.
I-Takeaway
Ukubeka iliso kwindlela ohoxayo ngayo umhlala phantsi kwisicwangciso sexesha elide kubalulekile. Ufuna ingeniso ephumayo yomhlalaphantsi. Ukuba nesicwangciso kunye nokulinganisa kwayo kuya kufeza le njongo ngelixa uphendula umbuzo wendlela ongayenza ngayo umhlalaphantsi. Yakha isicwangciso sengeniso somhlala-phantsi kwaye ubonisane nomcwangcisi womhlala - phantsi okanye umcebisi werhafu onokubala umphumo werhafu emva kwe-akhawunti yakho yomhlalaphantsi.