Rhoqo eyona ndawo ifanelekileyo yokutyala imali ikwiakhawunti yexesha elide eya kuthi ifumane inzala ngokuhamba kwexesha. Izibonelelo zeutyalo malile ndlela ivela kumdla odibeneyo. Cinga ukhetho lwakho kunye neenjongo zakho zemali njengoko usenza uphando ngeyona ndawo intle yokutyala imali.
1. Isicwangciso esixhaswe ngumqeshi sokubonelela ngomdlalo
Isicwangciso somhlala-phantsi esixhaswe ngumqeshi 401 (k) okanye 403 (b) , yenye ye Olona khetho lufanelekileyo lotyalo-mali . Eyona nzuzo inkulu yerhafu kukuba iidola zangaphambi kwerhafu zityaliwe. Iinkampani ezininzi zikwatshatisa nepesenti ethile yemali oyityalileyo, oko kuthetha ukuba imali eninzi iya kwiakhawunti yakho ngaphandle kwirhafu. UninziI-401 (k)kunye no-403 (b) izicwangciso zikwavumela ukuba ulawule utyalo-mali lwakho, nangona zinokunciphisa umgaqo-mali onokukhetha kuwo.
2. IRoth IRA
Ukuba ulikhuphile igalelo lakho lama-401K, a IRoth IRA lukhetho oluhle kakhulu, ngokwe Kiplinger . Imali irhafiswa ngaphambi kokuba ityalwe, kodwa iimali zikhula ngaphandle kwirhafu. Unokhetho oluninzi ngokubhekisele kwisitokhwe, iibhondi nolunye utyalomali othenga kulo. Elona xabiso liphezulu ngonyaka onokuthi ube negalelo kwiRoth IRA yile $ 5,500 ungaphantsi kweminyaka engama-50 kunye nama-6 500 eedola ukuba umdala. Nangona kunjalo, esi sixa sibandakanya igalelo kwii-IRAs zemveli ngokunjalo.
3. IRAs zemveli
Kulabo bafumana umvuzo ngaphezulu komda weRoth IRA, jonga a IRA yemveli . Okwangoku, amandla okutyala imali kwiRoth IRAs aqala ukuphuma kwabo banemali eguqulweyo ehlengahlengisiweyo ye- $ 63,000 yomntu omnye okanye i-101,000 yeedola kwisibini esitshatileyo esidibanisa ngokudibeneyo. Umda wakho wegalelo yi- $ 5,500 ukuya kwi-6,500 yeedola ngokusekwe kubudala bakho kwaye oku kubandakanya imali eya kwiRoth IRAs. IRA yemveli yile enqwenelekayo kuba ikuvumela ukuba ubeke imali kwixesha elide kwaye unciphise umvuzo wakho wangoku. Imali ihlawuliswa irhafu njengengeniso yesiqhelo xa uyikhupha xa uthatha umhlalaphantsi.
4. Mutual Funds
Mutual fund uyi ukhetho olulungile ukuba ufuna ukungena kwimarike yemasheya kodwa ungaqinisekanga ukuba ungaqala njani. Ingxowa mali mutual ilawulwa yinkampani yotyalo mali kwaye ibandakanya amasheya amaninzi kunye neebhondi 'echibini' elinye lemali. Usafuna ukwenza umsebenzi wesikolo ukufumana ingxowa-mali efanayo kodwa iifemu ezininzi zotyalo-mali zibonelela ngolwazi ngohlobo lomngcipheko kwingxowa-mali nganye kunye nethemba elipheleleyo kwaye inokukunceda uthathe isigqibo sokuba loluphi ukhetho olufanelekileyo olufutshane- kunye nexesha elide -imfuno zexesha.
5. Izitokhwe
UForbes uthi Olunye ukhetho oluphezulu lokutyala imali yakho kukwi-stock market. Imarike yemasheya inokutshintsha ngokunyuka kunye nokunyuka kubomi besitokhwe kwaye kuya kufuneka wenze uphando lwakho ukuze wenze ukhetho olululo. Ukuba uyafuna uku qala kwimarike yemasheya kodwa andazi ukuba njani, chitha ixesha usenza uphando ukuqonda inkqubo kuqala. Unokuqesha notyalo mali ukuze akuncede wenze izigqibo ezifanelekileyo. Kuya kufuneka uhlawule iikhomishini kwaye isitokhwe sihlawuliswa irhafu kodwa ukuba ukhetha ilungelo lokufumana ipotifoliyo yakho yotyalomali inokubaluleka.
6. Iibhondi
Iibhondi uyi indlela eqinileyo ukuya nemali yotyalo-mali eyongezelelweyo, itsho iU.S. News and World Reports. Zikhuselekile kwaye zongeza ukhuseleko olufanelekileyo kwipotifoliyo yakho nangona isivuno siphantsi. Nangona kunjalo, ukhuseleko lunokubaluleka ngakumbi kuwe, kuxhomekeke kwimeko yezoqoqosho yangoku.
7. Iiakhawunti zoLondolozo ezinesivuno esiphakamileyo
Enye ukhetho olukrelekrele oku kulula ukuyenza kukufumana iakhawunti yokonga imveliso ephezulu. Zininzi kwiibhanki ezikwi-Intanethi ezibonelela ngamaxabiso aphezulu anokuphakama kunoko kufumaneka kwiibhanki zalapha. Thelekisa iinkampani ukuze ufumane elona nqanaba lenzala lilungileyo. Ezi bhanki zibonelela nge-inshurensi yomdibaniso, oko kuthetha ukuba utyalomali lwakho lufihliwe kwaye lukhuselwe ukuya kuthi ga kwi-250,000. Inzala iyatshintsha ngokuhamba kwexesha, kodwa bafumana umvuzo ngokuncinci, ukuba kukho umngcipheko.
8. Ukuthengiswa kwezindlu
Ngoku ka Umrhwebi , Ubeka imali yakho kwi izindlu ezithengiswayo lutyalo-mali olukhulu kuba unakho ukubuyisa inzuzo kunye neerhafu. Olona hlobo kuphela lokwenza njalo, nangona kunjalo, kukucinga ixesha elide. Ukuba utyalo-mali luya kubakho ixesha elide, njengeIpropathi yerentiokanye ikhaya lokuqala okanye lesibini, emva koko imali yakho ikhuselekile kwaye iya kukhula ngokuhamba kwexesha. Amaxabiso ezindlu anokutshintsha ngokuhamba kwexesha ngokusekwe kwiimeko zoqoqosho, ke ufuna ukuyazi le nto xa usenza amaxabiso kwintengiso yakho.
9. Amatye axabisekileyo
Uhlobo oluthile lotyalo-mali osenokuba uzibone kwiintengiso zikamabonwakude xa uthenga iintsimbi ezixabisekileyo njengegolide kunye isilivere . Oku akufuneki kube phakathi kokhetho lwakho lokuqala lotyalo-mali kodwa ukuba unayo imali oyisebenzisayo kwaye unexesha elifutshane lotyalomali, inokongezwa indlela elungileyo ukwahlula iphothifoliyo yakho. Olunye ukhetho kukuthenga i-ETF yentsimbi exabisekileyo , efana nokuthenga izitokhwe.
10. Hlawula amatyala
Zombini ezi zigidigidi UMark Cuban kwaye Forbes yithi enye yeendlela ezilungileyo zokutyala imali yakho kukuba uhlawule onke amatyala onayo. Ukuba uhlala phantsi kwaye ubale ukuba uhlawula ntoni ngenzala kwiamatyalaunyaka nonyaka, kwaye uthelekise loo nto kunye neenzuzo ezinokubakho kutyalo-mali, ukususa ityala ebomini bakho kunokuba yinto efanelekileyo. Ukuhlawula ityala ngokukhawuleza kuyakukhulula imali yakho efumaneka rhoqo evumela ukuba ube nemali ethe kratya ekhoyo kutyalo-mali.
