Ndimele ndikhethe abaxhamli baxhamli kwiakhawunti yam yomhlalaphantsi . Nguwuphi umxhamli ongenayo kwaye uhluke njani kumxhamli oyintloko?
Impendulo:
Umxhamli oyimfuneko ngumntu okanye into efumana inzuzo yeakhawunti yakho ukuba ngaba uncedo olungundoqo alukwazi. Abaxhamli abaxhamlayo baya kulandelwa ukufumana izibonelelo.
Cinga ngabaxhamli abaxhamliweyo njengecebo lokubuyisela okanye ukukhetha okunye.
Xa utyalomali kwi-akhawunti eneemali ezixhamliweyo, njenge- akhawunti yomhlala-phantsi , i- 401 (k) , umgaqo-inshorensi , u- 529 icebo lokulondoloza ikholeji , i- akhawunti yokulondoloza impilo okanye u- trust , ubeka igama lomntu okanye abantu ofuna ukufumana ifa. kwi-akhawunti okanye uthathe ubunikazi xa usuphelile. Ezi zikhethwe njengezona zibonelelo eziphambili. Abaxhamli abaxhamliweyo beza kufuneka ukuba iiprayimari zingabi ziphilileyo ukuqokelela impahla.
Kubalulekile ukuba uqaphele ukuba unako ukubiza igama elingaphezulu komnye oyintloko okanye umxhamli. Ukwabela iipesenti ngamnye kumxhamli, ukucacisa ukuba yiyiphi ipesenti ye-akhawunti abafanele bayifumane okanye bazuze. Ngoko, umzekelo, unokuthi igama lakho iqabane liyinzuzo yokufumana inzuzo ye-100% ye-akhawunti, kwaye abantwana bakho ababini banokuba ngabaxhamli abangama-50%. Ngenye indlela unokuthi igama lakho iqabane lingumxhamli oyintloko we-50% ye-akhawunti, kunye neenkwenkwezi ezimbini ezibizwa ngokuba yi-25% ezizizibonelelo eziphambili.
Unokubamba kwakhona inhlangano engenzi-nzuzo njengobuncedisi oyintloko okanye onomdla, nangona kuya kufuneka ukuba uthethe kummeleli we-akhawunti malunga nendlela yokwenza oko. Inqaku liwukuthi, unako ukuyilungisa nayiphi na indlela oyikhetha ngayo.
Abaxhamli abaxhamliweyo kunye nabaxhamli abaziintloko bangatshintshwa kwiinkcukacha ezininzi ngaphandle kokuba i-akhawunti ingenakwenzeka (njengoko kunjalo nangomgaqo-nkqubo we-inshorensi kunye nethemba).
Ukuba ufuna ukutshintsha abaxhamli kwi- IRA okanye i-401 (k), inokuyenza ngokukhawuleza kwaye kulula-ngamanye amaxesha inokwenziwa kwikhompyutha. Xhumana nomncedisi we-IRA (imizekelo ibandakanya ibhanki, i-fund fund, okanye inkampani yokuthengisa) apho unayo i-akhawunti yakho ye-IRA ukwenza nayiphi na inguqu efunekayo. Ngama-401 (k) okanye esinye isicwangciso somhlala-phantsi oxhaswe ngumqeshi, qhagamshelana nomphathi wakho wecebo.
Kubaluleke kakhulu ukugcina abaxhamli bakho bafikelele kwixesha lonke. Ukuba usebenzele inkampani enye ixesha elide okanye ube ngumnini weakhawunti ngexesha elide, unokufuna ukuhlaziya kwakhona ukhetho lwakho loxhamli ukuze uqiniseke ukuba ulungele isigaba sakho sokuphila. Kubalulekile ukuphonononga nokuhlaziya ulwazi lwakho olulandelayo emva kweziphi iziganeko eziphambili zobomi. Ngokomzekelo, imfuneko yokuhlaziya ulwazi lwakho loxhamli luya kwenzeka emva kokuba utshintshe ubomi obunjengomtshato, ukuzalwa, umtshato okanye ukufa kwintsapho. Esinye isizathu sokuhlaziya ulwazi loxhamli-mali kukuba unokuthi utshintshe iiplani zakho okanye indlela yokucinga malunga nendlela yokupasa ngokwentlupheko kwamanye amalungu entsapho okanye kwimibutho yokunceda.
Kungakhathaliseki ukuba zeziphi iiplani zokutshintshwa kobutyebi bakho ngoku, ihlala ilungileyo ukujonga kwakhona ukhetho lwakho rhoqo uxolo lwengqondo ukuba ulwazi lwakho lufike ngoku.
Kwakhona khumbula ukuba xa ubhalisela i-akhawunti apho abaxhamli abaziintloko kunye nabaxhamli abaxhamlileyo abanakunyaniseki kufuneka uqikelele ngokucacileyo ukuba ungubani.
Ukugcina ukuhlaziywa kolwazi oluxhamliweyo ngumsebenzi obalulekileyo wokucwangciswa kwezindlu onganciphisa uxinzelelo lwentsapho kunye nokudideka. Ukuba unayo intando , ungacingi ukuba uya kukunyamekela abo abaxhamliweyo. IiAkhawunti kunye negama elixhamliweyo zibizwa ngokuba ziza kubakho indawo. Kuba nayiphi na i-akhawunti okanye i-inshorensi yempilo apho kukho umntu ogunyazisiweyo ogunyazisiweyo kwi-akhawunti, ukhetho lwakho lugqithise ngaphezu kwayo nayiphi na enye imiyalelo eshiywe kwintando. Yingakho kubalulekile ukuqinisekisa ukuba uyazi naziphi na izixhobo, kwaye ugcine abaxhamli bakho bexesha elide.
Ukubhengezwa: Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zengxoxo kuphela, kwaye akufanele kube sisiseko senu sotyalo-mali okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.