Inzalo ku- $ 100,000
Uma une- $ 100,000 kuphela, akunakwenzeka ukuthi uzokwazi ukuziphilisa ngentshisekelo ngokwakho. Noma ngabe kunephothifoliyo ehlukaniswe kahle nezindleko zokuphila eziphansi, leli nani aliphezulu ngokwanele ukuhlinzeka abantu abaningi.
Ngokufanayo, Ngingayibeka kuphi imali yami ukuze ngizuze inzalo enkulu? Ngakho-ke, uma unemali ebekelwe eceleni futhi ufuna ukuzuza izinga eliphezulu lenzalo ngaphandle kokuzifaka engozini enkulu, cabangela lawa masu.
- Thatha kusengaphambili amabhonasi asebhange. …
- Cabangela izitifiketi zediphozithi. …
- Yakha iladi le-CD. …
- Shintshela ku-akhawunti yokonga enenzalo enkulu. …
- Cabanga ngemiphumela yokuhlola i-akhawunti.
Ingabe imali iphinda kabili njalo eminyakeni engu-7? Isibonelo esiyisisekelo soMthetho wama-72 yileso esingasenza ngaphandle kokubala: Uma kubhekwa isilinganiso sonyaka esingu-10% sembuyiselo, kuzothatha isikhathi esingakanani ukuthi imali yakho iphindwe kabili? Thatha u-72 futhi uhlukanise ngo-10 futhi uthole u-7.2. Lokhu kusho ukuthi, ngo isilinganiso esimisiwe sonyaka esingu-10% sembuyiselo, imali yakho iphinda kabili njalo eminyakeni eyi-7.
Ungaphila ngenzalo yezigidi ezimbili zamadola? Yebo, umbhangqwana ungakhipha ngezigidi ezimbili zamaRandi. Ama-annuities angahlinzeka ngemali engenayo eqinisekisiwe kukho konke ukuphila kwabo bobabili abashadile.
Okwesibili Ingakanani imali ongayikhipha ngayo? Unalokho engqondweni, kufanele ulindele ukudinga mayelana U-80% womholo wakho wangaphambi kokuthatha umhlalaphansi ukukhokhela izindleko zakho zokuphila ngesikhathi somhlalaphansi. Ngamanye amazwi, uma wenza u-$100,000 manje, uzodinga cishe u-$80,000 ngonyaka (ngamadola anamuhla) ngemva kokuthatha umhlalaphansi, ngokwalesi simiso.
Ngingayenza kanjani kabili imali yami ku-akhawunti yami yasebhange?
Isimiso silula. Hlukanisa ama-72 ngenani lonyaka lokubuya kwesibalo kuzothatha isikhathi esingakanani ukuphinda kabili imali yakho. Isibonelo, uma uzuza imbuyiselo yonyaka engamaphesenti angu-8, kuzothatha cishe iminyaka engu-9 ukuphinda kabili. Ngakho-ke uma inzuzo iphezulu, ungashesha ukuphinda kabili imali yakho.
Manje kungani inzalo yokonga iphansi kangaka? Izinga lenzalo kuma-akhawunti okulondoloza ngokuvamile liphansi ngoba amabhange amaningi endabuko awadingi ukuheha amadiphozithi amasha, ngakho abakhuthazwa ukukhokha amanani aphezulu.
Kufanele ngiyigcine kuphi imali engiyongile? Kunezindawo ezingu-7 eziyinhloko zokulondoloza imali yakho eyengeziwe, futhi ukulingana okuhle kakhulu kwehlela emigomweni yakho yezezimali
- Ihlola i-akhawunti.
- I-akhawunti yokonga enesivuno esikhulu.
- I-akhawunti yemakethe yemali.
- Isitifiketi sediphozithi (CD)
- I-akhawunti yomuntu ngamunye yomhlalaphansi.
- I-akhawunti yomhlalaphansi exhaswe ngumqashi.
- Okunye ukutshalwa kwezimali.
Uyini umthetho wama-50 30 20 wesabelomali?
Uyini umthetho we-50-20-30? Umthetho we-50-20-30 uyindlela yokuphatha imali ehlukanisa inkokhelo yakho ngezigaba ezintathu: U-50% wezinto ezibalulekile, u-20% wokonga kanye no-30% wakho konke okunye.
Izokhula malini i-401K eminyakeni engama-20? Ungakha ibhalansi engu-401(k) ye $263,697 ekupheleni kwesikhathi seminyaka engama-20. Ukushintsha okunye okokufaka ngisho nakancane kungabonisa umthelela omkhulu oza nezinguquko ezincane. Uma uqala ngebhalansi engu-$5,000 esikhundleni sika-$0, ibhalansi ye-akhawunti ikhula ibe ngu-$283,891.
Ngabe i-401K yami izophinda kabili eminyakeni eyi-10?
“Uma ungahlala isikhathi eside utshale imali kokuthile, kuba nethuba elengeziwe lokuthi lokho kutshalwe kuthokozelwe,” kusho yena. Uma kucatshangwa ukuthi i-avareji ye-7% yembuyiselo yonyaka, kuzothatha iminyaka engaphezudlwana kwe-10 ukuze ibhalansi engu-$60,000 401k ihlanganiswe kanjalo. iphinda kabili ngosayizi.
Umuntu oyedwa angakwazi ukukhipha u-3 million dollars? Impendulo esheshayo ithi Yebo. Ngezigidi ezintathu zamaRandi, kufanele ukwazi ukuthatha umhlalaphansi ngokunethezeka uma uthatha umhlalaphansi eminyakeni engu-60. Kuya ngezindleko zakho zokuphila kanye nenani labantu obondliwayo, ungakwazi ukuthatha umhlalaphansi ngezigidi ezintathu zamaRandi usemncane uma uthanda futhi uma ukwazi.
Ngingakwazi ukukhipha no-5 million ebhange?
Yebo, ungathatha umhlalaphansi uneminyaka engama-60 ngezigidi ezinhlanu zamaRandi. Eminyakeni engu-60, impesheni izohlinzeka ngeleveli engenayo eqinisekisiwe engu-$236,500 ngonyaka iqala ngokushesha, kukho konke ukuphila komuntu omshwalense. … Noma iyiphi indlela yokuthola imali yokuphila kwakho konke izoqhubeka nokukhokha impesheni, ngisho nangemva kokuba impesheni isiphelelwe yimali.
Umuntu oyedwa angakwazi ukukhipha i-2 million dollars?
Umbuzo obalulekile okufanele uwubuze. Yebo, kwabanye abantu, $2 million kufanele kube ngaphezu kokwanele ukuthatha umhlalaphansi. Kwabanye, amaRandi ayizigidi ezi-2 angase anganwayanga ngisho nokuklwebheka. … Kodwa, ukubaluleka kokuqinisekisa ukuthi u-$2 million wanele ukuthatha umhlalaphansi kubaluleka nakakhulu lapho usuneminyaka engu-60.
Ingakanani ibhalansi emaphakathi engu-401k kumuntu oneminyaka engama-65? Ibhalansi emaphakathi engu-401k Eminyakeni yobudala engama-65+ - $471,915; Isilinganiso - $138,436. Iminyaka evame kakhulu yokuthatha umhlalaphansi e-US yiminyaka engama-62, ngakho-ke akumangazi ukubona amanani ebhalansi angama-401k aphakathi nendawo eqala ukwehla ngemva kweminyaka yobudala engama-65.
Ingakanani imali engenayo emaphakathi yomhlalaphansi yomuntu oyedwa? Isilinganiso semali engenayo yomhlalaphansi yomuntu oyedwa oneminyaka engama-65 ubudala cishe ama- $ 42,000 ngonyaka. Leyo mali engenayo ingase ivele ku-Social Security, impesheni, neminye imithombo. Imali engenayo emaphakathi ingaphezudlwana kuka-$27,000 ngonyaka.
Ingakanani imali oyidingayo ukuze uthathe umhlalaphansi ngokunethezeka lapho uneminyaka engu-55?
Ingakanani Imali Engiyidingayo Ukuze Ngithathe Umhlalaphansi Ngineminyaka engu-55? Uma inhloso yakho kuwukuthatha umhlalaphansi uma usuneminyaka engu-55, i-Fidelity incoma ukuthi wenze kanjalo yonga okungenani ngokuphindwe kasikhombisa iholo lakho lonyaka. Lokho kusho ukuthi uma imali yakho engenayo yonyaka ingu-$70,000 ngonyaka, udinga ukonga u-$490,000.
Osozigidi bayigcinaphi imali yabo? Kungakhathaliseki ukuthi iholo labo lonyaka lingakanani, osozigidi abaningi babeka imali yabo lapho izokhula khona, ngokuvamile ezitokisini, amabhondi, nezinye izinhlobo zotshalo-mali oluzinzile. Ukuthatha okusemqoka: Abosozigidi bafaka imali yabo ezindaweni lapho izokhula khona njengezimali ezihlangene, amasheya kanye nama-akhawunti omhlalaphansi.
Ingabe kufanele ugcine yonke imali yakho ebhange elilodwa?
Ukusebenzisa ibhange elilodwa kuzo zonke izinsiza zakho zezezimali akuwona umqondo omuhle ngaso sonke isikhathi. … Ukuhlanganisa izimali zakho endaweni eyodwa kungenza ukuphatha imali yakho kube lula kakhulu. Ngeke kudingeke ukuthi ulandelele ukungena ngemvume noma ama-akhawunti ahlukene, futhi ungasebenzisa uhlelo lokusebenza lwedijithali lwebhange lakho oluthandayo ukuze ubone yonke into endaweni eyodwa.
Iyiphi i-investimenti engcono kakhulu yabaqalayo? Nazi izimali eziyisithupha zokutshala izimali ezifanelwe kahle ngabalimi abaqalayo.
- 401 (k) noma uhlelo lomhlalaphansi lomqashi.
- Umeluleki we-robo.
- Isikhwama sokubambisana sosuku oluhlosiwe.
- Izimali zezinkomba.
- Izimali ezidayiswa ngokuhwebelana (ama-ETF)
- Izinhlelo zokusebenza zokutshalwa kwezimali.
Iyini inzalo emaphakathi ku-akhawunti yokulondoloza?
Izinga lenzalo elimaphakathi likazwelonke lama-akhawunti okulondoloza lilungile 0.06%, ngokusho kwedatha ye-Bankrate kusukela ngoNovemba.
Iyini ibhalansi ye-akhawunti yokulondoloza emaphakathi? Ukonga okumaphakathi ngeminyaka
Ubudala | Ibhalansi Emaphakathi Yama-akhawunti | Kusho Ibhalansi Yama-Akhawunti |
---|---|---|
Abancane kuno-35 | $3,240 | $11,250 |
35 ukuze 44 | $4,710 | $27,910 |
45 ukuze 54 | $5,620 | $48,200 |
55 ukuze 64 | $6,400 | $55,320 |
• Jan 13, 2022
Manje kufanele ngibeke kuphi imali?
Nakhu okutshalwa kwezimali okuncane okuhle kakhulu kwesikhashana okufanele ukubheke okusakunikeza inzuzo ethile.
- Ama-akhawunti okulondoloza isivuno esikhulu. …
- Izimali zesibopho sezinkampani zesikhashana esifushane. …
- Ama-akhawunti emakethe yemali. …
- Ama-akhawunti wokuphathwa kwemali. …
- Izimali zesibopho sikahulumeni wase-US zesikhashana. …
- Izitifiketi zokungeyona inhlawulo yediphozithi. …
- Abagcinimafa. …
- Izimali ezihlangene zemakethe yemali.