Lawa amathiphu ethu amakhulu wokutshala imali engu-$20.000.

Ake sikhulume ngendlela yokutshala imali engu-$20.000. Uma une-$20.000 elele, kungakhathaliseki ukuthi iku-akhawunti yakho yokonga noma usanda kwenza imali, yisikhathi sokwenza okuthile ngaleyo mali. Awukwazi ukukuvumela ukuthi kushelele futhi uzophuthelwa yinqwaba yamathuba.

Akudingeki ukuthi ibe seskhwameni, nakuba kungewona umqondo omubi futhi. Unezinketho eziningi zokutshala imali engu-$20.000 futhi uqhubeke nokwenza imali. Lesi sihloko sizokunikeza konke odinga ukukwazi mayelana nendlela yokutshala imali engu-$20.000. Ngale ndlela ungaba nohlelo oluqinile lokuphatha imali yakho.

Nawa amanye amathiphu okuthi ungatshala kanjani i-20k

Nawa amaphuzu abalulekile ayishumi nanye angakusiza ukuthi utshale u-$20.000.

1. Khulisa ukonga kwakho komhlalaphansi

Uma ungakayivuli i-akhawunti yomhlalaphansi, u-$20.000 wakho uyisiqalo esihle. Lezi zinyathelo zizokusiza ukuthi ukhulise izinzuzo zakho zokuthatha umhlalaphansi ngaphambi kokuthi uqale ukutshala imali.

Yenza okuningi ngomnikelo wenkampani ku-401K yakho

Uma ungakafaki isandla ku-401K yakho, thola ukuthi inkampani yakho inikela kangakanani. Isibonelo, uma efanisa u-3% womholo wakho futhi wenza u-$75.000 ngonyaka, ahambisana nokufika ku-$2.250 ngonyaka. Ngo-$2250, inkampani yakho izofanisa utshalomali lwakho luka-$2250 ku-401K yakho. Kuyindlela elula yokuphinda kabili isikhwama sakho somhlalaphansi!

Amanye ama-akhawunti omhlalaphansi kufanele akhuliswe

Ungakwazi ukwengeza amanye ama-akhawunti akho omhlalaphansi ngokunikela ngakho konke ongakwenza, okuhlanganisa ne-IRA yakho Unganikela kufikela kokungu-$6.000 ngo-2022 uma uneminyaka engaphansi kwengama-50, kanye no-$7.000 uma ungaphezu kweminyaka engama-50 ubudala.

2. Ungakha i-akhawunti ye-brokerage egcwele

Ungagwema ukulahlekelwa okukhulu ngokuhlukanisa iphothifoliyo yakho. Ungalahlekelwa yikho konke ukutshalwa kwezimali kwakho uma utshala esitokweni kuphela. Ungakwazi ukulungisa noma yikuphi ukulahlekelwa ngokuhlukanisa iphothifoliyo yakho futhi utshale imali kumabhondi, ama-mutual funds, ama-ETF, izimpahla noma amasheya.

Inhlanganisela enhle yezinketho zokutshala izimali ngeke ikusize nje ukugwema ukulahlekelwa, kodwa futhi ulondoloze imali ukusizakala ngokulahleka kwentela. Uma uthengisa izimpahla ezinenzuzo enkulu, lokhu kungase kube ngaphansi komthwalo wentela ophezulu. Kodwa-ke, ukuthengisa i-investimenti kunganciphisa inzuzo yemali.

3. Sebenzisa umthengisi noma umeluleki we-robo

Uma ungakayiqali iphothifoliyo yokutshala imali, cabanga ukuvula i-akhawunti nomeluleki we-robo. Umthengisi waku-inthanethi, umeluleki we-robo, usebenza njengomeluleki futhi uphatha iphothifoliyo yakho ngama-algorithms ayo.

Uma usebenzisa umeluleki we-robo, isibopho sakho kuphela ukumisa i-akhawunti futhi uphendule imibuzo mayelana nokubekezelela ubungozi. Uma usudale i-akhawunti, umeluleki we-robo unakekela okunye. Umeluleki we-robo ukhipha ubunzima ekuphatheni iphothifoliyo yakho nokukhetha ukutshalwa kwezimali.

4. Okunye ukutshalwa kwezimali:

Cabangela okunye ukutshalwa kwezimali, njengobuciko, izinto zakudala, noma izinsimbi eziyigugu, uma usuvele utshale imali eningi kunalokho obungathanda ezitokweni namabhondi. Okunye ukutshalwa kwezimali akuvamisile ukuxhunyaniswa nemakethe evamile, ngakho-ke ngeke kusabele ngendlela efanayo nemakethe yesitoko noma yamabhondi, ngaleyo ndlela kuhlukanise iphothifoliyo yakho.

Kufanele uqaphele lapho utshala imali kwezobuciko. Ngenxa yokuthi azimele, inani lawo lingakhuphuka futhi lehle ngokushesha futhi kungalindelekile.

5. Dlala ukuboleka kontanga kuya kontanga

Ukubolekwa kontanga kuya kontanga kusiza abathengi ukuthi bathole uxhaso lwezimali abaludingayo lapho ibhange lingeke libaboleke. Ngenxa yalokho, abantu abaningi bathola izikweletu zabo ngaphandle kokubhekana nezintaba zamaphepha kanye nemingcele eminingi evela emabhange.

Izinkundla zontanga zixhuma abatshalizimali nababolekayo. Amapulatifomu afana no-Prosper "afanele" ababoleki futhi enze imali ebolekiwe itholakale. Njengomtshali-zimali, uma uthanda "amaphuzu", ungatshala ingxenye noma yonke imali ebolekiwe. Kuvamile ukuthi abantu bahlukanise izimali zabo futhi batshale u-$25 umuntu ngamunye emalimboleko ehlukene.

Lapho ababoleki bekhokha imali abayibolekile, uhola ukuhamba kwemali kwanyanga zonke. Kuye ngenani olifakile, izinga lakho lenzalo lizohlukaniswa. Nakuba kunobungozi obukhulu bokuzenzakalelayo ngokubolekwa kontanga kuya kontanga, amanani enzuzo aphezulu kunalawo asezimakethe zesitoko noma zebhondi.

6. Qala ibhizinisi

Ukuqala ibhizinisi elisha kungaba mnandi njengoba kuyingozi. Ungatshali yonke i-$20.000, kodwa ukusebenzisa ingxenye yayo ukuze uqale ibhizinisi kungaba esinye sezinqumo ezinhle kakhulu ongazithatha.

Yenza umsebenzi wakho wesikole ngaphambi kokuqala ibhizinisi elisha. Landela lezi zinyathelo ukuze uqalise Ukuphatha Amabhizinisi Amancane Ungazisebenzisa njengomthombo wezimali, noma njengenketho. Kodwa thatha nezinye izinyathelo, ufunda imakethe yakho, unquma ukuthi iyiphi "igebe" ozoligcwalisa ngomkhiqizo noma isevisi yakho, futhi uhlole izimbangi zakho.

Cabanga ukuthi uzoliqhuba kanjani ibhizinisi lakho: lizoba ibhizinisi le-e-commerce noma isitolo sezitini nodaka? Ingabe uzoba nabasebenzi noma nguwe wedwa owuqhubayo?

Uzodinga uhlelo lwebhizinisi olubeka izinhlelo zakho zesikhathi esifushane nezesikhathi eside zebhizinisi lakho, futhi uzodinga ukunquma ukwakheka kwebhizinisi lakho. Uyafuna ukujoyina? Ingabe uyinkampani noma usonkontileka ozimele?

7. Ukuthengwa kwezindlu

Nakuba ziningi izindlela zokutshala izimali ku-real estate, ama-REIT nama-trust okutshalwa kwezindlu (ama-REIT), akukho lutho olungcono kunokuthenga izindlu.

Ziningi izindlela zokutshala imali kuzindlu ezithengiswayo. Umnikazi wendawo umuntu otshala imali eziqashisweni zesikhathi eside. Ungumnikazi futhi uqashisa indlu yakho kubaqashi. Ubophezelekile kwi-mortgage, izintela, umshwalense kanye nokunakekelwa kwekhaya.

Irenti ekhokhelwa abaqashi bakho kufanele yanele ukumboza izinkokhelo zezindlu, kanye nazo zonke izindleko ezihlobene nobunikazi bendlu. Uzothola inzuzo. Ungakwazi ukwandisa u-$20.000 wakho ngokwandisa ukuhamba kwemali kwanyanga zonke.

Uma ukhetha ukungabi umnikazi, ungatshala ezindaweni ezingasasebenzi. Uzodinga ochwepheshe ngasohlangothini lwakho ukuze bakusize uthole indawo enganakwa kahle ngokuphelele, okuthi, ngokuthuthukiswa okufanele noma ukulungiswa kabusha, ithengise ngentengo ephezulu kakhulu futhi yenze inzuzo.

8. Khokha izikweletu zakho

Ukukhokha isikweletu kungase kungabonakali njengokutshalwa kwezimali okukhulu, kodwa kungenye yezimali ezinhle kakhulu ongayenza uma ufunda ukutshala imali engu-$ 20.000.

Bheka izikweletu zekhadi lakho lesikweletu, uma unezikweletu kuzo. Iyini inzalo? Ngeke ukwazi ukuthola lelo zinga lembuyiselo kunoma yikuphi ukutshalwa kwezimali emhlabeni. Uma ukhokha u-19,99% noma ngaphezulu, khokha isikweletu, futhi uzokhulula imali ozoyitshala uma usungenayo isikweletu. Kufana nokuntshontsha imali yakho ngokutshala imali lapho unamabhalansi ekhadi lesikweletu.

9. Qiniseka ukuthi unemali eyanele yezimo eziphuthumayo.

Ngokusho a I-CNBC/Acorns Invest SurveyIlinganiselwa ku-14% abantu baseMelika abakwazanga ukonga ngesikhathi sodlame lwe-COVID-19. Uma lokhu kuzwakala njengawe, noma ubungenaso isikhwama sezimo eziphuthumayo ongaqala ngaso, manje yisikhathi.

I-akhawunti yokulondoloza izimo eziphuthumayo ehlukile iyindawo onayo yezimo eziphuthumayo zangempela. Isimo esiphuthumayo sangempela sihlanganisa ukulahlekelwa umsebenzi, ukulaliswa esibhedlela, izingozi zezimoto, noma izinhlekelele ezinkulu ekhaya.

Isikhwama sakho sezimo eziphuthumayo kufanele siqukathe izindleko eziphakathi kwezinyanga ezi-3 neziyisi-6, kodwa uma u-2020 esifundise okuthile, kuwukwenza iphutha ngasohlangothini lokuqapha. I-$20.000 ingasetshenziselwa ukusindisa impilo yakho futhi ikuvikele ezinhlekeleleni ezizayo.

10. I-Akhawunti Yokulondoloza Isivuno Esiphezulu

Uma ucabanga ukuthi ungatshala kanjani u-$20.000, ungazinaki izinzuzo ze-akhawunti yokonga enesivuno esikhulu.

I-akhawunti yokonga enesivuno esikhulu ngokuvamile izuza inzalo eningi kune-akhawunti yokulondoloza ejwayelekile ngoba isebhange eliku-inthanethi elingenayo imali eyengeziwe. Nakuba ungeke ucebe ngenzalo yama-akhawunti anesivuno esikhulu, u-0,50% – 0,75% uphakeme kakhulu kunebhange elijwayelekile.

Yisho imigomo yakho uma utshala imali kuma-akhawunti okonga anesivuno esikhulu. Mhlawumbe ufuna ukonga imali yento ethile njengeholide, imoto, noma indlu. Uma ukhomba ukuthi ufuna ukulondolozelani, kulula ukunikela ku-akhawunti futhi ungezwa sengathi ukuzidela.

11. Zibekele imali

Kwesinye isikhathi utshalomali olungcono kakhulu ongalwenza kuwena luvuza kakhulu. Ukutshala imali engu-$20.000 kuwe kungase kubonakale kuwubugovu kwabanye, kodwa uma umphumela ukusiza ukuthi wenze okuthile okungcono kakhulu ngempilo yakho, kungenye yezimali ezinhle kakhulu ongayenza.

Nazi ezinye izindlela zokutshala imali kuwe:

• buyela esikoleni
• Qala umsebenzi ofanayo
• Thuthukisa impilo
• Funda kumasemina kanye nezifundo
• Ungafunda ulimi olusha
• Thola umsebenzi emkhakheni ohlukile

Thola ekugcineni kwezinto

Ungahlukanisa ukutshalwa kwezimali kwakho ngo-$20.000 kuphela. Ungathatha futhi eminye yale mibono futhi usakaze imali yakho nxazonke. Uma ufunda indlela yokutshala imali engu-$ 20.000, uzobona ukuthi kungcono ukungafaki wonke amaqanda akho kubhasikidi owodwa. Uzomangala ukuthi iphothifoliyo yakho ingakhula kangakanani uma usakaza imali yakho nxazonke.