Akuyona ezezimali, yizimpesheni zakho

Akuyona ezezimali, yizimpesheni zakho

Lokhu kuhlaziywa okuphelele kwezimali kunikeza ukuhlolwa okuningiliziwe kwezingxenye zayo eziyinhloko nemithelela ebanzi.

Izindawo Ezibalulekile zokugxila

Ingxoxo igxile kokuthi:

• Izindlela eziyinhloko nezinqubo
• Ukucatshangelwa kokusetshenziswa komhlaba wangempela
• Ukuhlaziya okuqhathanisa nezindlela ezihlobene
• Ubufakazi obunamandla kanye nezifundo zecala

Okuqukethwe Okubanzi

Ukuhlola ezezimali ngaphakathi kwe-ecosystem yayo enkulu kuveza ukuxhumana okubalulekile nobudlelwano besistimu.

Imibuzo Evame Ukubuzwa

Uyini umehluko phakathi kwempesheni nezinye izimoto zokulondoloza umhlalaphansi?

Impesheni wuhlelo lwenzuzo oluchaziwe lapho umqashi wakho eqinisekisa khona ukuthi uzoyithola nini inyanga nenyanga uma usuthatha umhlalaphansi ngokusekelwe eholweni lakho kanye neminyaka yokusebenza kwakho. Ngokungafani nama-401 (k) noma ama-IRAs, ubungozi bokutshala izimali buwela kumqashi, hhayi wena. Lokhu kuqagela kwenza izimpesheni zibe yigugu ezinhlelweni zezezimali zesikhathi eside, nakuba ziya ngokuya ziyivelakancane embonini ezimele namuhla.

Ngazi kanjani ukuthi impesheni yami izokwanela ukukhokhela izindleko zokuthatha umhlalaphansi?

Ukulinganisa ukwanela kwempesheni kudinga ukuveza ifomula yakho yenzuzo ngokumelene nezindleko zokuphila okulindelekile, ukwehla kwamandla emali, nezindleko zokunakekelwa kwezempilo. Abaningi asebethathe umhlalaphansi bathola impesheni ikhokhela ingxenye yezidingo kuphela. Ukwengeza ngemithombo yemali eyengeziwe kubalulekile — izinkundla ezifana Mewayz, i-OS yebhizinisi engamamojula angu-207 ngo-$19/mo, isiza osomabhizinisi bakhe imali engenayo eqhubekayo ukuze bavale lelo gebe.

Kwenzekani empeshenini yami uma umqashi wami efadalala?

Emazweni amaningi, izikhwama zempesheni zihlukaniswa ngokusemthethweni ezimpahleni zenkampani futhi zivikelwe izinhlangano zomshwalense zikahulumeni - njenge-Pension Benefit Guaranty Corporation (PBGC) e-US. Kodwa-ke, amakhava okukhava ayasebenza futhi izinzuzo zingancishiswa. Ukuqonda izinga lokuvikela lohlelo lwakho kanye nokwehlukanisa imithombo yemali yomhlalaphansi kunikeza inetha yokuphepha ebalulekile ekungabini nazimali komqashi.

Ingabe abantu abazisebenzayo noma abanikazi bamabhizinisi bangafinyelela izinzuzo zempesheni?

Yebo — abantu abazisebenzayo bangakwazi ukusungula izinhlelo ze-Solo 401(k), ama-SEP-IRAs, noma ama-SIMPLE IRAs afana nezinzuzo zentela zempesheni. Abanikazi bamabhizinisi abaphethe amabhizinisi akhulayo bangasebenzisa amathuluzi afana Mewayz (amamojula angu-207, $19/mo) ukuze kwenziwe lula ukusebenza futhi bakhulule imali yeminikelo yomhlalaphansi, baguqule imali engenayo yebhizinisi ibe isisekelo sezimali esihlelekile, sesikhathi eside.