Inzala kwi $ 100,000
Ukuba une $ 100,000 kuphela, akunakulindeleka ukuba ukwazi ukuziphilela ngomdla ngokwakho. Nokuba iphothifoliyo ineentlobo ezahlukeneyo kunye neendleko zokuphila ezincinci, le mali ayiphezulu ngokwaneleyo ukubonelela abantu abaninzi.
Ngokufanayo, ndingayibeka phi imali yam ukuze ndifumane eyona nzala? Ke, ukuba unemali ebekelwe bucala kwaye ufuna ukufumana inzala ephezulu ngaphandle kokuthatha umngcipheko omkhulu, qwalasela ezi zicwangciso.
- Thatha kwangaphambili iibhonasi zebhanki. …
- Qwalasela izatifikethi zeedipozithi. …
- Yakha ileli yeCD. …
- Tshintshela kwi-akhawunti yokonga enenzala ephezulu. …
- Cinga ngeakhawunti yokujonga imivuzo.
Ngaba imali iphinda kabini emva kweminyaka esi-7? Owona mzekelo usisiseko woMthetho we-72 ngowomnye esinokuwenza ngaphandle kwekhaltyhuleyitha: Ukunikezelwa kwexabiso le-10% lembuyekezo yonyaka, kuya kuthatha ixesha elingakanani ukuba imali yakho iphindwe kabini? Thatha u-72 kwaye uyahlule ngo-10 kwaye ufumana u-7.2. Oku kuthetha ukuba, ngo i-10% yezinga elimiselweyo lembuyekezo yonyaka, imali yakho iphinda kabini yonke iminyaka eyi-7.
Ungaphila ngenzala ye-2 yezigidi zeedola? Ewe, isibini sinokutsala kwizigidi ezibini zeerandi. Ii-annuity zinokubonelela ngengeniso eqinisekisiweyo kubomi babo bobabini bamaqabane.
Okwesibini Yeyiphi imali efanelekileyo yokurhola? Ngaloo nto engqondweni, kufuneka ulindele ukuba kufuneka malunga I-80% yomvuzo wakho wangaphambi komhlalaphantsi ukuhlawula iindleko zakho zokuhlala kumhlalaphantsi. Ngamanye amazwi, ukuba wenza i-$ 100,000 ngoku, uya kufuna malunga ne-$ 80,000 ngonyaka (kwiidola zanamhlanje) emva kokuthatha umhlalaphantsi, ngokwalo mgaqo.
Ndingayenza njani kabini imali yam kwiakhawunti yam yebhanki?
Umgaqo ulula. Yahlula ama-72 ngomlinganiselo wonyaka wembuyekezo kwinani kuya kuthatha ixesha elingakanani ukuphinda kabini imali yakho. Umzekelo, ukuba ufumana ipesenti ezisi-8 zokubuya ngonyaka, kuya kuthatha iminyaka eyi-9 ukuphinda kabini. Ngoko ke imbuyekezo ephezulu, ngokukhawuleza unokuphinda kabini imali yakho.
ngoko Kutheni inzala yokonga iphantsi kangaka? Inzala kwiiakhawunti zogcino isoloko iphantsi kuba iibhanki ezininzi zemveli akuyomfuneko ukutsala iidipozithi ezintsha, ngoko ke abakhuthazwa ukuba bahlawule amaxabiso aphezulu.
Ndingalugcina phi ugcino lwam? Kukho iindawo ezi-7 eziphambili zokugcina imali yakho eyongezelelweyo, kwaye eyona nto ifanelekileyo yehla kwiinjongo zakho zemali
- Jonga i-akhawunti.
- Iakhawunti yokonga isivuno esiphezulu.
- Iakhawunti yemalike yemali.
- Isatifikethi sedipozithi (CD)
- Iakhawunti yomntu ngamnye yomhlalaphantsi.
- Iakhawunti yomhlalaphantsi exhaswa ngumqeshi.
- Olunye utyalo-mali.
Yintoni umgaqo wohlahlo-lwabiwo mali lwe-50 30 20?
Yintoni umthetho we-50-20-30? Umgaqo we-50-20-30 yindlela yokulawula imali eyahlula umvuzo wakho kwiindidi ezintathu: I-50% kwizinto ezibalulekileyo, i-20% yokulondoloza kunye ne-30% yayo yonke enye into.
Ingakanani i-401K eya kukhula kwiminyaka engama-20? Uya kwakha i-401 (k) ibhalansi $263,697 ekupheleni kwexesha elimiselweyo leminyaka engama-20. Ukuguqula amanye amagalelo nokuba kuncinci kunokubonisa impembelelo enkulu eza notshintsho oluncinci. Ukuba uqala ngebhalansi ye-5,000 yeedola endaweni ye-0 yeedola, ibhalansi ye-akhawunti ikhula ukuya kwi-283,891 yeedola.
Ngaba i-401K yam iya kuphinda kabini kwiminyaka eli-10?
“Xa unokuhlala ixesha elide utyale imali kwinto ethile, kokukhona unalo ithuba lokuxabisa olo tyalo-mali,” utshilo. Ukuthatha i-7 yepesenti yembuyekezo yonyaka, kuyakuthatha iminyaka engaphezulu kancinane kwe-10 ukuba ibhalansi ye-$60,000 401k idityaniswe. iphinda kabini ngobukhulu.
Ngaba umntu omnye unokukhupha i-3 yezigidi zeedola? Impendulo ekhawulezayo yile ewe. Ngezigidi ezithathu zeerandi, kufuneka ukwazi ukuthatha umhlala-phantsi ngokukhululeka ukuba uthatha umhlala-phantsi kwi-60s yakho. Ngokuxhomekeke kwiindleko zakho zokuphila kunye nenani labantu abaxhomekeke kuwe, unokurhoxisa ngezigidi ezithathu zeedola usemncinci ukuba uyanqwenela kwaye ukuba uyakwazi.
Ngaba ndingarhoxisa nge-5 yezigidi ebhankini?
Ewe, unokuthatha umhlala phantsi kwi-60 ngezigidi ezihlanu zeedola. Kwiminyaka engama-60, i-annuity iya kubonelela ngengeniso yenqanaba eliqinisekisiweyo le-236,500 yeedola ngonyaka ukuqala kwangoko, kubomi bonke bomntu ofakwe kwi-inshorensi. … Nayiphi na indlela yomvuzo wobomi bonke iya kuqhubeka ukuhlawula i-annuitant, nasemva kokuba i-annuity iphelelwe yimali.
Ngaba umntu omnye unokukhupha i-2 yezigidi zeedola?
Ngumbuzo obalulekileyo ukubuza. Ewe, kwabanye abantu, i-2 yezigidi zeedola kufuneka ibe ngaphezulu kokwaneleyo ukuya kumhlalaphantsi. Kwabanye, izigidi ezi-2 zeerandi zinokungarhawuki nokukrwela umphezulu. … Kodwa, ukubaluleka kokuqinisekisa ukuba i-2 yezigidi zeedola zanele ukuthatha umhlala-phantsi kubaluleke ngakumbi xa uneminyaka engama-60.
Ithini i-avareji ye-401k eseleyo kumntu oneminyaka engama-65 ubudala? I-avareji ye-401k Ibhalansi kwi-Age 65+ - $471,915; Median - $138,436. Eyona minyaka ixhaphakileyo yokuthatha umhlalaphantsi e-US ngama-62, ngoko ke akothusi ukubona umyinge kunye ne-Median 401k amanani ebhalansi eqala ukwehla emva kweminyaka engama-65.
Uthini umyinge womvuzo womhlalaphantsi kumntu ongatshatanga? Umyinge wengeniso yomhlalaphantsi kumntu ongatshatanga oneminyaka engama-65 ubudala phantse $42,000 ngonyaka. Loo ngeniso inokuvela kuKhuseleko lweNtlalo, imali yomhlalaphantsi, kunye neminye imithombo. Umvuzo ophakathi ungaphezulu nje kwe-$27,000 ngonyaka.
Ingakanani imali oyidingayo ukuze uthathe umhlala-phantsi kamnandi xa uneminyaka engama-55?
Yimalini endiyidingayo ukuze ndithathe umhlala-phantsi ndineminyaka engama-55? Ukuba usukelo lwakho kukuthatha umhlala-phantsi kwiminyaka engama-55 ubudala, uFidelity ucebisa ukuba gcina ubuncinane kasixhenxe umvuzo wakho wonyaka. Oko kuthetha ukuba umvuzo wakho wonyaka yi-70,000 yeedola ngonyaka, kufuneka ugcine i-490,000 yeedola.
Oosozigidi bayigcina phi imali yabo? Kungakhathaliseki ukuba ungakanani umvuzo wabo wonyaka, inkoliso yoosozigidi babeka imali yabo apho iya kukhula khona, ngokuqhelekileyo kwizitokhwe, iibhondi, kunye nezinye iintlobo zotyalo-mali oluzinzileyo. Into ephambili yokuthathwa: ooMillionaire babeka imali yabo kwiindawo apho iya kukhula khona njengeemali ezifanayo, izitokhwe kunye neeakhawunti zomhlalaphantsi.
Ngaba kufuneka ugcine yonke imali yakho kwibhanki enye?
Ukusebenzisa ibhanki enye kuzo zonke iinkonzo zakho zemali akusoloko kuyeyona mbono ilungileyo. …Ukuhlanganisa imali yakho kwindawo enye kunokwenza ukuphatha imali yakho kube lula kakhulu. Awuyi kufuneka ugcine umkhondo welogi-ins okanye iiakhawunti ezahlukeneyo, kwaye ungasebenzisa i-app yedijithali yebhanki oyithandayo ukubona yonke into kwindawo enye.
Loluphi olona tyalo-mali lungcono lwabaqalayo? Nazi ezo zityalo-mali ezithandathu ezifanelekileyo ngokufanelekileyo kubatyalomali abaqalayo.
- 401(k) okanye isicwangciso somhlalaphantsi womqeshi.
- Umcebisi we-robo.
- Umhla ekujoliswe kuwo wengxowa-mali yokubambisana.
- Iimali zesalathiso.
- Iimali ezithengiselwe ukuthengiswa (ETFs)
- Iiapps zotyalo-mali.
Ithini iavareji inzala kwi-akhawunti yokonga?
Umyinge wenzala yelizwe kwii-akhawunti zogcino ulungile 0.06%, ngokutsho kwedatha yeBankrate ukusuka ngoNovemba.
Ithini ibhalansi ye-avareji ye-akhawunti yokulondoloza? I-avareji yokonga ngokweminyaka
ubudala | Ibhalansi ephakathi yeeAkhawunti | IMean Balance of Accounts |
---|---|---|
Ngaphantsi kwe-35 | $3,240 | $11,250 |
35 ukuya 44 | $4,710 | $27,910 |
45 ukuya 54 | $5,620 | $48,200 |
55 ukuya 64 | $6,400 | $55,320 |
• NgoJanuwari 13, 2022
Ndiyibeke phi imali ngoku?
Nazi ezinye ezimbalwa zotyalo-mali lwexesha elifutshane lokujonga ukuba zisakunika imbuyekezo.
- Iiakhawunti zokugcina imali eninzi. …
- Iingxowa-mali zebhondi zexeshana elifutshane. …
- Iakhawunti yemakethi yemali. …
- Iiakhawunti zolawulo lwemali. …
- Ixesha elifutshane mali kurhulumente waseMelika. …
- Izatifikethi zokungahlawulisi idiphozithi. …
- OoNondyebo. …
- Iimali zentengiso yemali.