Ngaba Ufanele Ulahlekelwe Iipesenti ezingama-4 zokuhlala phantsi? Okanye Iipesenti Ezi-3 kuphela?
Ingakanani imali onokuyikhusela ngokukhuselekileyo kwiphothifoliyo yakho yomhlalaphantsi?
Kuze kube kutshanje, umthetho oqhelekileyo owamkelekileyo wesigodlo uthe uhoxise iipesenti ezi-4 ngonyaka .
Nangona kunjalo, ngoku iingcali zichaza ukuba ama-3 ekhulwini angcono.
Ngoko yintoni na?
Kutheni i-4 Intlawulo yePesenti eDume kangaka?
Kubuyela kwisifundo se-1994 ngumcebisi wezemali uBill Bengen. Olu pho nonongo lubonise ukuba inzala-mali eyinhloko yabathathe umhlala-phantsi abaye baphuma ama-4 ekhulwini kwi-portfoliyo yabo minyaka yonke bahlala benganyaniseki.
Baye bafezekisa ngoku ngokugcina iphothifoliyo ekhuselekileyo evelise ngokwaneleyo ukubuya ngonyaka ukwenzela ukuhamba ngokunyuka kwamaxabiso.
Ewe, inqununu iya kudlula emva kwexesha. Nangona kunjalo, kuya kwenzeka ngelixa elifutshane ukuba umhlala-phantsi usenokwenzeka ukuba ugcine iphothifoliyo kulo lonke ubomi bakhe.
Kwiminyaka emininzi, iipesenti ezi-4 kuye kwaba ngumgaqo-mgangatho oqhelekileyo ekuqaliseni ukuba ufuna ukugcina umhlalaphantsi kangakanani .
Iphothifoliyo yokuthatha umhlala-mali eyi-$ 1 yezigidi iya kukuhlawula imali engenayo ye-$ 40,000 ngonyaka (amawaka ayi-1,000,000 amawaka angama-0.04 angama-40,000 amawaka).
I-$ 700,000 iphothifoliyo iya kukuhlawula imali engenayo ye-$ 28,000 ngonyaka (ama-700 000 amaxesha angama-700,000 ama-0.04 alingana ne-28,000 $).
Nangona kunjalo, ukubuya kwemarike ka-2012 kwenza abatyalo-mali babuze umgaqo-4 weepesenti. Abanye abacebisi ngezezimali banenkxalabo yokuba ama-4 ekhulwini ahlukumeza kakhulu izinga lokurhoxiswa. Batshintshe iziphakamiso zabo kwizinga le-3 yokuhoxiswa kwepesenti.
Ngoba? Izizathu ezibini: ukunyuka kwamaxabiso kunye nexabiso elingaphantsi kweepotfoliyo.
Yintoni Imingenelo Enokuyenza Ngayo?
Xa iBangen yenza uvavanyo lwepesenti ye-4 ngo-1994, ukubuya onako ukufumana kwiimali-mali ezigcinayo njengama-bonds, ii-CD kunye neeNqwelo-mali ze-Nondye. Emva koko, ngo-Apreli 2012, ukubuya kwezo mali-mali ngokuzimeleyo kwakungekho nto.
Ngelo xesha, ukunyuka kwamaxabiso kwakungekho nto.
Kuyafaneleka ukuba "iimbuyekezo ezikhuselekileyo" zihambelana nokunyuka kwamaxabiso. Ngamanye amazwi, ukubuya ngokumalunga nokunyuka kwamaxabiso kuyafana, nangona inani elikhuni liguqukile.
Kodwa i-2012 yayingavamile, kwaye imva yamuva iye yaqhubeka nale ndlela. Nangona kunjalo, inzala ayikwazi ukuhlala ephantsi phantsi . Kukhona ithuba-kungekhona isiqinisekiso-sokuthi ukunyuka kwamaxabiso kunokunyuka kwiminyaka embalwa elandelayo ngenxa yokufumana inzala ephantsi.
Ukuba oko kwenzeka, kukho nethuba lokubuyela kwiindawo ezikhuselekileyo / ezilondolozo-mali aziyi kuhamba kunye nexabiso lentengo. Kule meko, iipesenti ezi-4 zinokuthi zibuhlungu kakhulu.
Kuthiwani ngeeNqobo zePortfolio?
Ixabiso lepototifoliyo yakho linyanisekile. Kuxhomekeka kwindlela intengiso ethe yenza ngayo. Ukuba unamathela kumgaqo we-4 weepesenti, uya kuguqula indlela yakho yokuphila ngokusekelwe kwintengiso yemakethe .
Ngokomzekelo, ngexesha lokuqhutywa kwenkomo, iphothifoliyo yakho inokuma kwi $ 1 yezigidi zeedola. Oko kuthetha ukuba uza kuhlala kwi-40,000 zamawaka ngonyaka. Ngethuba lokuthengiswa kweemarike, iphothifoliyo yakho inokuthi idibanise kwi $ 850,000. Ukuba unamathela kumgaqo we-4 ekhulwini, uya kuba ne-$ 34,000 kuphela ukuze uphile ngaloo nyaka.
Yintoni eyenzekayo ukuba awukwazi ukuhlala ngaphantsi? Ukuba ufuna i $ 40,000 ukuhlawula iibhilikhwe zakho , uya kugqiba ukuthengisa ngaphezulu kwiphothifoliyo yakho xa ixabiso lemarike liphantsi.
Eli lixesha elibi kakhulu lokuthengisa.
Yiloo nto kutheni abacebisi bezezimali namhlanje baxelela abantu ukuba bahlele isilinganiselo sokuhoxiswa kwepesenti e-3. Le ngcebiso ilandela imbono "yethemba elifanelekileyo, icebo elibi kakhulu." Cwangcisa iindleko zakho eziyimfuneko kwi-3 ekhulwini. Ukuba izitokisi ziyaxhamla kwaye unyanzelekile ukuba uhoxise iipesenti ezi-4 ukufihla iindleko zakho, uya kuhlala ukhuselekile.
Ithetha ntoni le nto?
Oku kuthetha ukuba i-portfolio efanayo eyi-1 yezigidi iya kuvelisa imali engama-30,000 ngonyaka ngonyaka kunama-40,000.
Ungesabi xa usondela kumhlalaphantsi kwaye iphothifoliyo yakho ayikufuphi kwisigidi esinye okanye ngaphezulu. Le yinjongo yokulungiselela kuphela. Ezinye izinto ezifana nomhlala-phantsi wakho, ukhuseleko lwezeNtlalo, izibonelelo kunye neendawo zokuqashisa ziya kutshintsha izibalo zakho.
Iindleko zakho ngokuthatha umhlalaphantsi zinokuba ziphantsi kunokuba ucinge. Xa umboleko wakho uhlawulwa kwaye abantwana bakho bafumana imali, iindleko zakho ziya kuba zincinane.
Isilinganiso sakho somrhumo ngexesha lomhlalaphantsi sinokunciphisa.
Umgca wezantsi? Ukubeka phambili phambili ukugcina umhlalaphantsi . Londoloza ngokugqithiseleyo nge- 401 (k) izicwangciso, i-Roth IRA kunye nezinye iimali-mali zangexesha elide ezinjengeendawo zokuqashisa. Uya kubulela xa usukhulile, njengoko uya kukwazi ukunandipha umhlalaphantsi kunye noxolo lwengqondo.