Indlela yokufumana umhlalaphantsi
Ukuhlala umhlalaphantsi kunye negama elithi "ukuzimela ngokwezimali" ngokuqhelekileyo kusetyenziswa ngokuchanekileyo. Zombili ziyafezekiswa xa unelondolozo olwaneleyo, ingeniso-mali, kunye / okanye umhlala-phantsi wokufumana iindleko zokuhlala.
Umsebenzi uba ngumntu ozikhethelayo!
Imbali yoMhlalaphantsi
Ukuthatha umhlala-phantsi ngumgaqo omtsha oye waba khona njengoko kulindeleke ukuba ixesha lokuphila likhule. Kwiminyaka eyikhulu edlulileyo, umgaqo wokuthatha umhlala-phantsi awukho.
Inqaku elithi History of Retirement Planning lichaza indlela yethu yokuthatha umhlala-phantsi yemini yethu yanamhlanje iqala ngayo ngenxa yentsebenziswano yokunyuka kwexesha lokuphila kunye nokuqala kwezibonelelo zomhlala-phantsi ezixhaswe nguRhulumente ngo-1935 xa i-Social Security yenziwe.
Ngaphambi kweenkqubo ezinjalo abantu basebenze ubomi babo bonke, kwaye ukuba babengenako ukusebenzela intsapho yabo kulindeleke ukuba banakekele.
Umhlala-phantsi?
Ayikho iminyaka yokuhlala umhlalaphantsi eMelika. Ubudala bomhlalaphansi obuqhelekileyo bubonwa njengengu-65, kodwa phantsi kwemithetho yanamhlanje, ukhuseleko lweNtlalo luchaza oko bakubiza ngokuba ngumhlala wakho ohlala phantsi umhlalaphantsi ngokusekelwe ngomhla wokuzalwa kwakho, kwaye akusiyo iminyaka efanayo nayo yonke into. Ngokubanzi, ukuhlala phantsi ngaphambi kweminyaka engama-60 kuya kuqwalaselwa njengomhlalaphantsi .
Indlela yokufumana umhlalaphantsi
Ukufumana umhlalaphantsi kufuneka uqale ukugcina omncinci (kwiminyaka ye-20 okanye ye-30) kwaye ulondoloze okungenani i-10% yengeniso yakho ngonyaka, okanye ukuba uqala ukugcina ixesha elide (kwiminyaka yama-40 neye-50), kufuneka ugcine inxalenye enkulu yengeniso yakho, malunga ne-50% ngonyaka.
Abantu abaninzi abanakunqwenela ukwenza ukuba utshintsho lwezinto eziphilayo luya kufuneka luyenze ukwenzela ukuba ulondoloze ngokwaneleyo ukufumana umhlalaphantsi okhululekile.
Enye indlela kukuqwalasela umhlala-phantsi, apho ufumana umsebenzi onokuzonwabisa, nokuba uhlawula ngaphantsi. Ngokufanelekileyo lo msebenzi uhlawula ngokwaneleyo ukugubungela iindleko zakho zokuhlala, kwaye unike ixesha lakho lomhlala-phantsi ukuze uqhubeke ukhula ngaphambi kokuba usebenzise le ngeniso.
Abaninzi Bawa mfutshane
Nangona abaninzi abantu banamaphupha okukwazi ukuthatha umhlalaphantsi kwisithuba esithile, uphando oluninzi lufumene ukuba uninzi lwabantu baseMelika abanalo ngokwaneleyo ukulondolozwa ukuyeka ukusebenza. Ngemali yempesheni engozini kunye nabemi baseMerika bengasindisi ngokwabo, abahlala phantsi bangase bazifumane bebasebenza ixesha elide kunokuba bafuna ukuba ngaba bengasindisi ngaphezulu kwithuba labo ngaphambi komhlalaphantsi.
Indlela yokuTyala imali yakho yomhlalaphantsi
Njengoko usondela kufutshane nomhlalaphantsi uya kufuna ukubeka iliso imali yakho yomhlala-phantsi . Thatha ixesha lokufunda iingcamango zokugcina imali ukuze uqonde indlela utyalo-mali lwakho lomhlala-phantsi oluvelisa ngayo ingeniso yakho kwimva kunye nendlela engenayo engenayo.
Uya kufuneka kwakhona ukuba unqume ukuba ufuna ukugcina uninzi lwemali yakho yomhlala-phantsi kwi- investments ekhuselekileyo okanye ukwabela kwiintlobo ezahlukeneyo zotyalo-mali.
Izigqibo eziphezulu kakhulu zomhlala-phantsi oza kuzenza
Enye yezona zigqibo ezinkulu oza kuzenza nini ukuhlala phantsi .
Enye indlela yokuchitha umhlalaphantsi. Uya kufuneka kwakhona ukuba unqume ukuba uza kuthatha ukuthatha iNgcaciso yeNtlalo , kwaye ngokuchasene nenkolelo eninzi ayikusoloko ilungele ukuthatha kwangaphambili, kwaye akudingeki ukuba uyithathe ngokukhawuleza xa uvumelekile - unokufumana uncedo olungakumbi kulinda.
Ukuba unomhlala-phantsi, uza kuba nezigqibo zempesheni zogqirha zokwenza isigqibo sokuba uthathe isamba semali okanye i-annuity, kwaye yiyiphi inqanaba lokukhetha njengenzuzo ebomini bakho kuphela, okanye inzuzo enika inzuzo eqhubekayo lakho iqabane lakho ukuba ufanele ufe.
Indlela yokufumana uMcwangcisi weRhafu
Ukukunceda wenze ezi zigqibo, cinga ukufumana umcwangcisi womhlalaphantsi ofanelekileyo. Uya kufuneka uqonde umahluko phakathi kocwangciso lomhlalaphantsi, ucwangciso lwezemali kunye neengcebiso zotyalo-mali . Emva koko funda indlela yokukhetha umcebisi wezezimali ofanelekileyo .
Uvuyo Ekuhlaleni
Ekugqibeleni, umhlalaphantsi nguye owenza ukuba ube. Into oyifunayo ngumhlala-phantsi ovuyayo , kungekhona nje umhlalaphantsi "wokufumana". Ukufumana umhlala-phantsi ovuyayo kuza kuthatha uceba kunye nokuphengulula umphefumlo-kwaye kuya kulungela ixesha.