Yiyiphi iSicwangciso soKhupheka ngokuSingqongileyo?

Ukurhoxiswa ngokufanelekileyo kwindlela yokuthatha imali

Xa ubeka i-akhawunti yezobalo-mali ukuze uchithe imali ngokukhawuleza, ubizwa ngokuba yi-retraitory system. Kutheni na? Ngenxa yokuba kunokuba lula ukulawulwa kwemali, ngokukodwa kwimhlala-phantsi, kwaye inokuphepha imiba yerhafu. Kodwa akumele ulinde uze uke usebenze ukuze usebenzise le ndlela. Ukurhoxiswa kweenkqubo eziqhelekileyo kungasetyenziselwa i-akhawunti ye-fund, i-annuities, kunye namaxesha athile kwi-akhawunti ye-brokerage nakweyiphi na ebomini.

Isicwangciso sokuKhupheka sisisigxina njani?

Xa unesicwangciso sokurhoxisa ngokufanelekileyo, izabelo zotyalo-mali zakho zithengiswa okanye zithengiswa xa kuyimfuneko ukubonelela ngenani elichaziweyo lokuhoxiswa kwakho. Ukuba unayo imali edibeneyo okanye ube neengxelo ezingaphantsi kwee-akhawunti ngaphakathi kwe-annuity eguquguqukayo, izabelo zithengiswa ngokulinganayo nento onayo. Oku kunceda ukugcina ulwabiwo lweefa jikelele ngokulinganisela.

Ngokomzekelo, masithi sithi uqulethe iimali ezintathu. Ipesenti ezingamashumi amahlanu zemali yakho kwi-ABC fund, iipesenti ezingama-30 ziseXYZ fund, kunye neepesenti ezingama-20 kwi-WGT fund. Ukuba ubeka imali eyi-$ 1,000 ngenyanga, i-50 ekhulwini yexabiso lakho lokurhoxisa okanye i-$ 500 eza kuvela kwi-ABC fund, iipesenti ezingama-30 okanye i-300 ziza kuvela kwi-XYZ, kwaye i-20 ekhulwini okanye i-$ 200 yayiza ku-WGT.

Esikhundleni sokusebenzisa imali emininzi, unokusebenzisa i- fund eyodwa efanelekileyo kwaye uthabathe ukukhishwa kwenkqubo ngokufanelekileyo, okanye ungasebenzisa isikhwama sokufumana umhlala-phantsi olawulwa ngokukodwa ngenjongo yokuthumela imali engenayo yenyanga.

Ukwenza Ixesha leRhafu lilula

Xa usebenzisa i-akhawunti ye-IRA, unokuyibeka ngokuqhelekileyo ukwenzela ukuba iintlawulo zombuso zigcinwe ngokuzenzekelayo. Amanye amafemu otyalo-mali anokukuvumela ukuba ube neerhafu zerhafu ezingagcinwanga.

I-Downside ukuya kwiNkqubo yokuRhoxisa

Ukuphazamiseka kwenkqubo yokurhoxisa ngokufanelekileyo kukuba izabelo ezongezelelweyo kufuneka zihlanjululwe ukuze zihlangabezane neemfuno zakho zokurhoxa ngexesha apho utyalo-mali lwakho luphantsi kwexabiso.

Kwimakethi yokulungisa okanye imarike yeebhere , oku kungenza umphumo we- dollar uhlawule isicwangciso esiphezulu , ngokuqinisekileyo ukuhlawula izinga lakho lokubuyela kwangaphakathi xa kuthelekiswa nezinye izicwangciso zokurhoxisa.

Ezinye iindlela zokuKhutshwa kweNkqubo

Esinye isinye isicwangciso sokurhoxisa ngokuchanekileyo kukugcina ukulungiswa kweemali kwiimarike zemali kunye nokuthatha iikhosi zakho zenyanga kwiindawo ezikhoyo. Emva koko unako ukulinganisa i-akhawunti yakho kanye ngonyaka, ukuthengisa utyalo-mali olunezinga eliphezulu lokubuyisela kunye nokusebenzisa imali yokuzalisa imali echithwe kwi-fund market.

Ezinye iindlela zokwenza isicwangciso sokurhoxisa ziquka:

• Ukulandela i-Set Specific Setraget Rules Rules
• Ukusebenzisa isicwangciso seSikhathi esiseNkqutyana (esivame ukubizwa ngokuthi "ibhakethi")
• Ukuthatha kuphela iNgeniso yeMali yokuTyala

Ngoko yintoni isicwangciso esihle sokurhoxisa? Kuya kuxhomekeka kwiimeko zakho zezemali, ubudala bakho kunye nokunyamezela kwakho umngcipheko. Uhlobo ngalunye lwesicwangciso sokurhoxisa lunenzuzo kunye neengxaki, ngoko-ke lowo ulungeleyo kuwe ungenakufaneleka komnye umntu. Umcwangcisi wezelelo lomhlala-phantsi unokukunceda ukukhetha ngokukhetha kwakho kwaye ufumane indlela esebenza kakuhle kwiimeko zakho.