Inkcazo, iintlobo zoTyalo-mali kunye neSicwangciso seNkcazo zeMali eziThengisiweyo
Kuthetha ukuthini xa ubona igama elithi 'imali engenayo' kwihlabathi lokutshala imali? Nangona mhlawumbi uye wakuva eli gama ngaphambili, usenokungazi ukuba yintoni enye ingeniso ekhoyo okanye indlela enokukunceda ngayo nakwii-potifoliyo zengxowa-mali.
Ngoko ke, ngaphambi kokuba sifunde indlela yokudala isicwangciso-mali esisisigxina sokutsalwa kwemali, siza kuqala ngcaciso engenanto yokufumana kunye noko kuthetha ntoni ukuba ngumtyalo-mali ongenako.
I-Income Income Income Inkcazo yoTyalo-mali
Ingeniso ekhoyo ingabhekisela kwisicwangciso sotyalo-mali okanye isitayela esenzelwe ukuvelisa imali engenayo. Okanye elinye ixesha lingabhekisela kwiintlobo zotyalo-mali ngaphakathi kwipotfoliyo yokutshala imali. Ehlabathini lokutyalo-mali, imali engenayo ingabonakali ngokubhekiselele kwiibhanki kunye neengxowa-mali ezidibeneyo . Ukususela kwimibono yokuphila kunye nemali, imali engenayo ingabonakalisa umvuzo womntu ngamnye okanye wekhaya, ozinzileyo (ngokubanzi ongatshintshiyo) ngezikhathi ezithile, njengenyanga.
Isicwangciso soTyalo-mali esiThuthiweyo: Iintlobo zeeNtengo zeNtengo eziThuthiweyo
Xa kwakhiwa iphothifoliyo yemali yomxhaso-mali , i-term income income engabonakaliyo ibhekisela kwingxenye ye-portfolio equkethe imali ephantsi kwengozi yemarike kwaye ihlawula igalelo okanye inzala, ngokuqhelekileyo kunye nezibophelelo kunye nemali-mboleko yemibutho, kumtyalo-mali ngenjongo yokwenza ingeniso. Ngokomzekelo, iibhanki zihlawula umyinge wenzala echazwe ngendlela yeentlawulo zexesha elide kwixesha elide, ngoko ke i-term income fixed.
Ingcamango ebanzi yeqhinga lokutyalomali lokungenisa imali ngenjongo yokuvelisa ukubuyiswa okuzinzile kunye nokuqikelelwa.
Izintlu zengeniso-mali yokufumana imali ingabandakanya nemali yemali yemarike, iiSatifikethi seDistim (iiCD) kunye / okanye iintlobo ezahlukeneyo zokuhlawula isahlulo esinqununu se-portfolio yakho.
Imali eQinisekisiweyo njenge-Lifestyle yokuhlala
Injongo eqhelekileyo yesicwangciso esicwangcisiweyo sokutyalombela ingeniso ngumhlalaphantsi.
Eli lixesha ebomini apho ukufumana ukubuyiswa okuzinzileyo kunye nokuqikelelwa kubaluleke kakhulu. Umntu onomhlala phantsi unokuthembela kwimithombo engenayo, njenge-Social Security, ipensheni, i-annuities kunye / okanye i-akhawunti yezotyalo-mali, ovelisa inani elifanayo lemali engenayo (okanye inani elinyukayo kwinani elincinci, umyinge onyakeni) ngonyaka. siseko. Ngamazwi ahlukeneyo, umvuzo waloo mntu awufani ngokwezinto eziphathekayo ngokwexesha kwaye kwaye banako ukukwazi ukufumana ukwanda kwamanani kwiindleko zexesha. Kulo mba, ingeniso yomntu "ifakwe." .
Ixabiso lemali kunye neRhafu yeNzala: Intshaba ze-Fixed Investmentors
Xa kucwangciselwa nayiphi na injongo yentsalo -mali yesikhathi eside , umtyalomali / umncedisi uya kufuneka ukuba athathe ubuncinane umyinge wexabiso lokunyuka kwamaxabiso, eliye lalingama-3,4%. Abatyalomali banokufumana kunzima ukufumana izivuno zokungena kwempahla ngaphandle kokuthatha ingozi enkulu. Bangakwazi ukuqwalasela izibophelelo kwimihlaba yokunyuka kwamaxabiso, njenge- Imali-mali yokuThengiswa kweMali (Protected Securities Securities) (TIPS) okanye abanokuqwalasela iimali ezibophelelweyo zokunyuka kwezinga lentlalo , nangona ezi ziza kunika izivuno ezingaphantsi kwezinga lokunyuka kwamaxabiso. Abondli-zimali abanqwenela ukuthatha umngcipheko bangaphinda baqwalasele ngemali ephezulu yezivuno (i-junk) .
Abatyalomali banokucinga ngokuthenga izibophelelo zomntu ngamnye, endaweni yengxowa-mali yomtshato, xa kulindeleke ukuba inzala. Basenokuzama ukufikelela kwinqanaba lokubambisana , apho iibhondi zithengwa ngezihlandlo njengoko iimveliso ziphakama. Isishwankathelo, ixabiso lentengo lihamba ngokubhekiselele kwinqanaba lentlawulo ngenxa yempembelelo yeerhafu ezintsha kwiibhondi ezidala. Xa izantya zenzalo zikhulayo, ukuveliswa kwezibophelelo ezitsha ziphezulu kwaye zinomtsalane kubatyalomali ngelixa izibophelelo ezindala kunye nezivuno ezisezantsi zikhangeleka, ngoko ke ziphoqa amanani aphantsi.
Ngoku ngoku xa ubona okanye uva i-term income engenayo, uya kukwazi ukuba kuthetha ukuthini, ngokukodwa njengoko kudibene nokutyalomali kunye nemali.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.