Bona ukuthi inzalo ebhinqiwe ikhulisa imali yakho ngokuhamba kwesikhathi. Faka isikhokho sakho sokuqala, izinzuzo zenyanga, nezinga lembuyiso. Umudwebo wokusebenzisana nokukhiphwa kwe-PDF kumahhala.
124.179,03 €
Inani Lesikhathi Esizayo
52.800,00 €
Izinzuzo Eziphelele
71.379,03 €
Inzalo Ephelele Eholiwe
Kubuyekezwe kokugcina:
Isibali Sentengo Ebhinqiwe
Inzalo ebhinqiwe iyenye yemiqondo emandla kakhulu kwezezimali. Ngokungafani nentengo elula, inzalo ebhinqiwe ibalwa emzimbeni nasenzalweni enengiwe yesikhathi esidlulile. Lokhu kudalela umthelela wokukhula ngokwemvelo wokuthi i-Einstein yabikwa ukuyibiza “isimangaliso sesishiyagalombili somhlaba.”
Isibali zethu esimahhala sikuvumela ukubona ngokuqondile ukuthi imali yakho ikhula kanjani ngokuhamba kwesikhathi. Faka ukufondelwa kwakho kwangaphambili, izinzuzo zenyanga, izinga lembuyiso elilindwayo, nohorizoni wesikhathi ukuze ubone ukwehlulwa okunemininingwane konyaka nonyaka wokuqoqwa kobunotho.
Indlela Esebenzayo
Ifomu eliyisisekelo ngu: A = P(1 + r/n)^(nt), lapho A uyinani lokugcina, P umzimba, r izinga laminyaka yonke, n inhlonhlo yokubhinqa, t nesikhathi eminyakeni. Isibali zethu sisebenzisa ukubhinqa kwenyanga (n=12), umgomo wezinhlelo eziningi zemali.
Ukufoniselwa kwe-€5,000 ngokuqala ku-7% iminyaka emi-20 kukhula kuze kufike cishe ku-€19,348. Kodwa uma futhi ungeza i-€200 enyangeni, inani eliphelele likhula ngaphezu kwe-€123,000 — izinzuzo zenyanga nentengo yazo ebhinqiwe zibala ngaphezu kuka-80% wenani lokugcina.
Umthetho Wamashumi Ayisikhombisa Nambili
Ahlukanisa i-72 ngezinga lakho lenzalo laminyaka yonke ukuze ulinganise ukuthi isikhathi esingakanani sithathe ukuphindaphinda imali yakho. Ku-6% — iminyaka eli-12, ku-8% — cishe iminyaka emi-9, ku-10% — cishe iminyaka emi-7.2.
Imibuyiso yesilinganiso yezikhathi: izimali zokwethwasa emakethe yezabelo i-7–10%, izimali ze-bond i-3–5%, ama-akhawunti okonga i-1–3%. Ukuhlela isikhathi eside, sebenzisa imibuyiso yangempela eqinile ye-4–5% ngemuva kwezinga elikhulayo.
Isikhathi Sibalulekile
Umfondelisi oqala ngeminyaka eli-25 ene-€200/nyanga ku-7% uzoba nange-€525,000 ngeminyaka engama-65. Umuntu oqala ngeminyaka engama-35 ngegama elifanayo uzoba cishe ne-€244,000 kuphela — ukuqala iminyaka emi-10 kuphela ngaphambi kwelinganisa imiphumela ngokwedlulele.
Uzinzisa ukuthi ufondelise noma uthenga ikhaya kuqala? I-isibali sokuqasha ngokuqhathaniswa nokuthenga zethu kusiza uqhathanise izindleko zesikhathi eside. Kulabo abaphatha izikweletu, i-isibali sesikweletu zethu sikhombisa isithombe esigcwele sokukhokha.
Izimiso Eziyinhloko
Ukuhlanganiswa konyaka
Ku-€10,000 ngo-6% iminyaka engu-10 → €17,908.
Ukuhlanganisa ngekota
Izimo ezifanayo → €18,061. Kungcono kancane.
Ukuhlanganisa kwanyanga zonke
Izinga lemikhiqizo yasebhange → €18,194.
Ukuhlanganiswa kwansuku zonke
Umphumela omkhulu → €18,221. Inzuzo encane ngenyanga.
Okwangempela uma kuqhathaniswa nezimbuyiselo zamagama
Emalini yokwehla kwamandla emali engu-7% no-2.5%, amandla okuthenga akhula ngo-4.4% ngonyaka.
Phinda utshale izabelo
Ukutshalwa kabusha kwe-dividend kubiza kakhulu umphumela wokuhlanganisa esikhathini eside.
Inzalo ebhinqiwe yinzalo ibalwa kokubili eninxenyeni enkulu yokuqala nasenzalweni eyongezelekile yezikhathi ezedlule. Ngokungafani nentengo elula, ibalwa yinxenye enkulu kuphela, inzalo ebhinqiwe ibangela imali yakho ikhule ngokuphindaphindekayo ngokuhamba kwesikhathi — ngokuvamile ibizwa ngokuthi 'inzalo kunzalo'.
Inzalo ingabhinqwa ngomnyaka, ngaphakathi komnyaka, ngamazinyo amane omnyaka, ngenyanga, noma nasuku lonke. Isibali zethu sisebenzisa ukubhinqwa ngenyanga, indlela ejwayelekile enamakhulu amabhange nezinhlangano zemali. Ukubhinqwa ngokuningi kakhulu kuholela ebuyiseleni eliphakeme kancane.
Izinzuzo ezijwayelekile zenyanga ziphazamisa ukwakhiwa komcebo ngesivinini kakhulu ngoba inzuzo ngayinye iqala ukuholela inzalo ebhinqiwe ngokushesha. Ngesikhathi eside, inzalo eholiwe kuzo izinzuzo ingadlula izinzuzo ngokwazo, okudalela umthelela webolide yeneqhwa.
I-Rule of 72 indlela yesheshisa ukulinganisa ukuthi kuthatha isikhathi esingakanani ukuphinda imali yakho kabili. Hlukanisa 72 nge-annual interest rate. Ngokwesibonelo, ngenzalo ka-6%, imali yakho iphinda kabili ngezinsuku ezilingana ne-72/6 = iminyaka eli-12.
Imbuyiso yemakethe yemikhiqizo yezimali iyalingana ngama-7-10% ngomnyaka ngaphambi kwenkohloko (5-7% ngemuva kwenkohloko). Ama-akhawunti okonga ngokuvamile anikeza i-1-3%. Izimali zemali eziqinile zilingana i-3-5%. Sebenzisa isitimela esiqinile (5-7%) ukuhlela isikhathi eside ukubhekana nokungaqiniseki kwemakethe.