Ukuba neSicwangciso soTyalo-mali sinokuphucula iziphumo zakho zexesha elide
1. Yiyiphi Injongo Ngaba Uyaqhubeka?
Utyalo mali kufuneka kukhethwe ngenjongo ephambili engqondweni: ukhuseleko, ingeniso okanye ukukhula . Into yokuqala kufuneka uyenze isigqibo sokuba yiyiphi enye impawu ebaluleke kakhulu.
Ngaba unayo imali engenayo ukuba uhlale kwiminyaka yakho yomhlalaphantsi, ukukhula ukwenzela ukuba utyalo-mali lunikeze imali engenayo emva koko, okanye ukhuseleko (ukugcina ixabiso lakho eliphambili) eliphambili?
Ukuba uneminyaka engama-55 okanye ngaphezulu, ngaphambi kokuba udale isicwangciso-mali, ufanele wenze uhlobo oluthile lwesicwangciso sezemali endibiza ngokuba yiplani yokufumana umhlalaphantsi . Olu hlobo lwesicwangciso seprojekthi yakho yemithombo yengeniso yexesha elizayo kunye neendleko, ke iiprojekthi zakho zexabiso leakhawunti yezimali ezibandakanya nayiphi na idizithi kunye nokuhoxiswa. Kukukunceda uqonde iphuzu ngexesha apho uya kulusebenzisa ukusebenzisa imali yakho. Emva kokuba unesithuba esicacileyo sexesha uyazi nokuba usebenzisa i-short, middle, okanye ixesha elide lotyalo-mali.
2. Unokuzibeka Njani Kangakanani Ukwenza Utyalo?
Unyulo oluninzi lokutsalwa kwemali lunexabiso elincinci lokutshala imali, ngoko ke ngaphambi kokuba ubeke isicwangciso esisisiseko sokutyalwa kufuneka unqume indlela onokuyifaka ngayo. Ngaba unayo isamba semali, okanye unako ukwenza iminikelo rhoqo ngenyanga?
Ezinye izikhombisi-mali zivumela ukuba uvule i-akhawunti kunye ne-$ 3,000 kwaye ubeke isicwangciso sotyalo-mali ngokuzenzekelayo ukuqala nge-$ 50 kwenyanga eyokudlulisela imali kwi-akhawunti yakho yokutshekisha kwi-akhawunti yakho yotyalomali. Ukutsalwa kweenyanga ngenye indlela kuthiwa yi- dollar-cost-rating kwaye kunceda ukunciphisa umngcipheko wemarike.
Ukuba unesixa esikhulu sokutshala imali, ngokucacileyo ukhetho oluninzi lukhona kuwe. Kuloo meko, uya kufuna ukusebenzisa iintlobo-mali zohlukeneyo, ngoko unokunciphisa umngcipheko wokukhetha enye. Isisombululo esibalulekileyo kunazo zonke oza kwenzayo, singakanani ukunikezela kwisitokisi kumabhondi . Esinye isigqibo esisisigxina kukuba ukwakhiwa kwiphothifoliyo yakho okanye usebenze nomcebisi wezemali.
3. Uya Kufuna nini Le Mali kwakhona?
Ukuseka ixesha elithile ongabambelela ngalo libaluleke kakhulu. Ukuba ufuna imali ukuthenga imoto kunyaka okanye ezimbini, uza kwenza isicwangciso sotyalo-mali esahlukileyo kunokuba ubeka imali kwi-401 (k) isicwangciso ngeenyanga ngekamva.
Kwimeko yokuqala, inkxalabo yakho ephambili kukukhuseleko-ungaphumeleli imali phambi kokuthengwa kwangaphambili. Kwimeko yesibini, utyalo-mali wokuthatha umhlalaphantsi, kwaye ucinga ukuba umhlalaphantsi uneminyaka emininzi kwaye akukho nto ingabalulekanga ukuba ixabiso le-akhawunti lifanelekile emva komnyaka. Yintoni oyakhathalele ngayo yinto ekhethwa ngayo inokuthi uncede iakhawunti yakho ibaluleke kakhulu ngexesha lokufikelela kwiminyaka yobudala. Enyanisweni, ukukhula okubalulekileyo kudla okungenani iminyaka emi-5 okanye ngaphezulu kweemarike .
4. Ingozi Enjani Okufanele Uyenze?
Olunye utyalo-mali luquka into endibiza ngokuba yinqanaba le-5 engozini yokutyalomali ; umngcipheko wokuba ulahlekelwe yimali yakho yonke.
Le mali-mali ayingozi kakhulu kubantu abaninzi. Enye indlela elula yokunciphisa umngcipheko wobutyalo-mali kukudibanisa. Ngokwenza njalo usenokuba namava exabiso lentengo-mali, nangona kunjalo, unokunciphisa umngcipheko wokulahlekelwa ngokupheleleyo ngenxa yexesha elibi okanye ezinye iimeko ezibuhlungu.
Yilumke ukuthenga kuphela ukutshala imali ephezulu . Akukho nto enjengokubuyiswa okuphezulu kunye nobungozi obuphantsi. Kulunge ukuba ufumane imbuyekezo engezantsi kunokuguqula izicingo. Ukuba unquma ukuguqula, khumbula, kunokutshaya kwaye unako ukulahleka okukhulu.
5. Yintoni omele uyibeke?
Abantu abaninzi bathenga umkhiqizo wokuqala wokutshala imali owenzelwe kubo. Kungcono ukubeka uluhlu olupheleleyo lwezinto zonke ezikhethiweyo ezifezekisa injongo yakho. Emva koko thabatha ixesha lokuqonda iingxaki kunye nenkunkuma nganye. Okulandelayo, unciphisa ukhetho lwakho lokugqibela lokutsalwa kweentlawulo phantsi kwezimbalwa oziqinisekisa ngazo.
Olunye utyalo-mali lukhulu kwimali yomhlala-phantsi ende . Ezinye zicinge ngakumbi, oko kuthetha ukuba mhlawumbi unako ukubeka "imali" okanye "ukuthatha imali" kuyo, kodwa akusiyo yonke imali yakho yokugcina umhlalaphantsi.
Ukuyibeka Konke
Masithi uneminyaka engama-50 ubudala kwaye unama-100,000 ayi-100,000 agcinwe kwi-IRA. Isicwangciso sakho singakhangela ngale ndlela:
- Injongo: ukukhula kweminyaka yobudala engama-65.
- Inani lokutyalomali: i-$ 100,000 kunye ne-15,000 zamawaka ngonyaka wama-401 (k).
- Ixesha-xesha: ukuhoxiswa kokuqala kokudala kwi-65 ubudala, kwi-$ 10,000. Emva koko i-$ 10,000 ngonyaka ngamnye emva koko.
- Izinga lomngcipheko: Inqanaba lomngcipheko omathathu kunye noomali-mali abathathu abajolise ekukhuleni kuhle, kodwa njengoko ufumana kwiminyaka eyi-10 yomhlalaphantsi, unyaka ngamnye uya kutshintsha imali eyi-10 000 kwi-investments ephephile.
- Yintoni ozoyifaka kuyo: Iingxelo zeemali ezixhasayo kwi-401 yakho (k) okanye i-IRA iya kwenza ingqiqo. Baneemali eziphantsi kwaye bahambelane nenjongo oye wachaza.
Emva kokuba unesicwangciso, gcinana nayo! Oko kuyintloko ekutsaleni impumelelo.