Izicwangciso zokuKhutshwa koMhlalaphantsi
Kukho izicwangciso ezintathu zokuthatha umhlala-phantsi zokuthatha umhlalaphantsi ukuba ziqwalasele, kwaye ngamnye unemihluko emininzi. Ukusebenzisa indlela elungileyo kwimeko yakho kunokubangela ukugcinwa kwentlawulo.
Indlela ekhethiweyo ingagcina i-$ 50,000 ukuya kwii-100,000 zamaRhafu kwiirhafu malunga nomhlala-phantsi weminyaka engama-30 kubahlali abaninzi.
Isicwangciso esiqhelekileyo
Uninzi lwabantu lulandela isicwangciso sokurhoxisa esiqhelekileyo kwiminyaka eyi-10 edlulileyo. Basebenzisa i-akhawunti yokulondolozwa kweakhawunti kunye nokutyalomali ukuxhasa iindleko zokuphila ngelixa belinde ukuhoxisa kwi-IRAs ukuya kwi-70½ yobudala xa kubelwe ukusabalaliswa okuncinci. Le ndlela yayidla ngokudibanisa nokuqala koKhuselo loLuntu kusasa, phakathi kweminyaka engama-62 no-65.
Uphando olungakumbi lukhoyo ngoku malunga nendlela le ndlela iza kusebenza ngayo ixesha, kwaye abahlala phantsi baya kuqonda. Abaninzi bayaqaphela ukuba ukulibazisa ukuqala koKhuselo loLuntu kwi-66 okanye 70 ubudala kuya kunika ukukhuseleko kade.
Uya kusadingeka unqume ukuba yiziphi iakhawunti eziza kudweba ukususela ngelixa ulibaziseka ukhuseleko lwezeNtlalo. Impendulo engcono kakhulu ixhomekeke kwibakethi yakho yentela. Kwabo abanenzuzo yempesheni, iqhinga lokurhoxisa ngokuqhelekileyo lisoloko lenza ingqiqo.
Ngoxa uqokelela ipenshoni, uhoxisa ukugcinwa komhlala phantsi kunye nokutyalomali kwaye ungathinti i-IRAs, 401 (k) okanye 403 (b) de uze ufune ukwenza njalo.
Kulabo abanenzuzo yempesheni, okanye amapensheni amancinci njengama-dollar ambalwa ngenyanga, iikhowudi ezimbini ezilandelayo-ukulandelelaniswa kwe-oda okanye i-hybride-kunokubangela irhafu encinci ehlawulwa ngokuthatha umhlalaphantsi kunendlela eqhelekileyo.
IsiCwangciso seNkundla yokuLawula
Isicwangciso sokurhoxisa umhlala-phantsi wokurhoxisa umvuzo xa uhoxisa kwiakhawunti yakho yomhlala-phantsi njenge-IRAs kunye no-401 (k) wokuqala xa uvumela nayiphi na i- Roth IRAs kunye ne-akhawunti ye-akhawunti ye-non-retirement. Le ndlela inokuba yindlela ephezulu kakhulu yokwenza irhafu kubantu abangenawo umhlala-phantsi, abanomlinganiselo ohloniphekileyo wokulondolozwa kwee-IRAs, kwaye banokulibazisa ukuqala koKhuselo loLuntu kuze kube yiminyaka engama-70.
Kutheni le ndlela ingaba ngcono? Ukuba uhlala phantsi ngaphambi kweminyaka engama-70 kwaye ungenayo ipensheni, mhlawumbi imali yakho engenayo iya kuhlawuleka phakathi kweminyaka engama-60 no-70. Ngokukuhoxisa kwi-IRA ngexesha leminyaka engenayo imali engenayo yerhafu, unako "ukuzalisa "Iibhanki zerhafu zepesenti ye-10 neye-15.
Oku kwenza yonke ingqiqo ukuba iimfuno zakho ezifunekayo ezivela kwii-IRA ziyakunceda ukuba ube neepesenti ezingama-25 okanye i-bracket ephezulu xa ufikelela kwiminyaka yobudala engama-70½. Kungcono ukurhoxisa ngoku kwaye uhlawule i-10 okanye i-15 cents kwi-dollar kunokugqithisa kamva kwaye ukhokhe ama-25 okanye ngaphezulu kwidola.
Isicwangciso seHybrid
Ngendlela ye-hybrid, uhoxisa kwiintlobo ezininzi ze-akhawunti ngaphakathi kwalo nyaka. Ngokomzekelo, unako ukurhoxisa i-$ 20,000 kwi-akhawunti engekho yomhlalaphantsi ngokuthengisa i-fund eyodwa okanye u-cashing kwi-CD ngeli xesha uhoxisa i-$ 20,000 kwi-IRA.
Le ndlela isebenza ngokucacileyo xa ihlelwe yimeko yakho ngokufaka ireyithi yakho yerhafu ngonyaka.
Kukho iinguqulelo ezimbalwa zeqhinga lokurhoxisa umhlala-phantsi lomhlalaphantsi. Enye inguqulo iquka ukuguqulwa kweRoth IRA. Uchitha phantsi ii-akhawunti zakho ezingekho phantsi komhlala phantsi ngelixa uguqula ingxenye ye-IRA yakho kwi-Roth IRA unyaka ngamnye. Ixabiso eliguqulwe lizimisele ngokubala ukuba yiyiphi imali eya kuzalisa i-pesenti ye-15 okanye i-bhasenti yeerhafu yeepesenti ezingama-25. Le ndlela isebenza ukuba unayo imali eyaneleyo kwiakhawunti engekho phantsi komhlala phantsi ukuhlawula irhafu kwiirhafu zokuguqulwa kweRoth. Iinguqulelo zeRoth zinciphisa iindleko zakho ezifunekayo ezizayo, kwaye ke zinciphisa ixabiso lentlawulo oza kuhlawula ngayo kwiminyaka engama-70 nangaphezulu kumaxesha amaninzi.
Enye indlela yokuphumeza le ndlela kukurhoxisa kwii-akhawunti ze-IRA kunye ne-non-retirement, kodwa ngaphandle kokuguqulelwa kweRoth.
Oku kudla ngokuba yindlela efanelekileyo kakhulu xa ungenayo imali eyaneleyo yokulondoloza umhlala-phantsi ukuze uhlawule irhafu irhafu kwiinguqu zeRoth kunye nenxalenye yeendleko zakho zokuhlala.
Umcwangcisi omhle womhlalaphantsi okanye uchwepheshe wezorhafu unokuqhuba uqikelelo lweminyaka engama-20 ukuya ku-30 oluqikelela iirhafu kwaye ubonisa ukuba makube phi inani elivela kwiiakhawunti eziza kubangela irhafu ephantsi kakhulu ehlawulwa ngeminyaka yakho yomhlalaphantsi.