Chelete e Laola Mosali e Mong le e Mong Hore a Lokela ho Tseba ka Mehla ea 30

Litaba

• Sebelisa App
• Latela Molao oa 50-20-30
• Ikakhele ka setotsoana linthong tse nyane
• Shebana le Bokamoso ba Hau
• Le ka mohla u se ke oa sebelisa chelete e ngoe ea $ 5
• Etsa hore e Iketsetse
• Loana
• Haha Letlole la "Tsamaea" la $ 1,500
• Tseba Nomoro ea Hau
• Khomarela Sengoathoana se le seng sa Polasetiki
• E-ba Nostalgic
• Khaotsa ho Tšaba 'Maraka oa Lichelete
• Latela Melao e 3 ea ho Reka
• U se ke ua Lebala ho Boloka
• Reka Smart Way
• Kopa Phahamiso
• Tlhahlobo bakeng sa

O bokella chelete mme o swipe karete ea mokoloto letsatsi le leng le le leng, empa chelete e ntse e ka ba taba e sa reng letho. Alexa von Tobel, mothehi le CEO oa LearnVest, websaeteng ea moralo oa lichelete, Alexa von Tobel o re: "Kaha lichelete tsa botho ha li rutoe likolong tse ngata, boholo ba rona ha ho mohla re ithutang letho ka chelete pele re kenella ho e sebelisa. 'Me ke mokhoa oa ho rarolla mathata a lichelete. Latela melao ena ea bohlokoa ho etsa hore chelete ea hau e u sebeletse, lilemong life kapa life.

Sebelisa App

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Ho sala morao chelete ea hau ke mohato oa pele oa ho lokisa lichelete tsa hau hantle, ho bolela von Tobel. O re: "Joalo ka ha ho boloka bukana ea lijo ho u thusa hore u lule u le mothating oa ho ja, ho bala chelete eo u e sebelisang ho tla u thusa hore u lule u tsitsitse licheleteng. Qala ka sesebelisoa se sebelisang chelete joalo ka LearnVest. E tla hokahana le ak'haonte ea hau ea banka ebe e u fa fensetere ea tšebeliso ea chelete. O ka ipehela moralo oa lichelete ho bona kapele hore na tšebeliso ea hau ea chelete e lekana hakae khahlanong le lipheo tsa hau. U tla makatsoa ke litefiso tse bonahalang li le nyane (ee, litefiso tsa ATM tsa $ 2!) Li ka eketsoa.

Latela Molao oa 50-20-30

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Arola chelete ea hau ea ho ea hae (e setseng kamora lekhetho) ka mekhahlelo e meraro, ho bolela von Tobel: lintho tsa bohlokoa, mokhoa oa bophelo le bokamoso. Liphesente tse mashome a mahlano tsa tseo u li tlisang hae li lokela ho ea marulelong a hau, mabenkeleng, lisebelisoa le lipalangoang. Romela karolo ea 20 lekholong ho akhaonto ea polokelo kapa letloleng la ho tlohela mosebetsi (ho feta moo hamorao!), 'me u se ke ua feta karolo ea 30 lekholong ho tekanyetso ea hau ea bophelo: ho ea mabenkeleng, ho tsamaea, ho ba setho sa boikoetliso, le boithabiso bo akaretsang. [Tšoaea ntlha ena!]

Ikakhele ka setotsoana linthong tse nyane

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Se ke oa cheka tloaelo ea hau ea ho noa kofi ho boloka chelete haeba o e lebelletse: Joalo ka ha lijo tse bolaoang ke tlala li sa boloke boima ba 'mele kamora nako, ho rema ntho eo o natefeloang ke ho e sebelisa chelete ho ka o chesa, ho bolela Sharon Kedar, sengoli. ea Ka Maoto a Ka a Mabeli: Tataiso ea Banana ba Kajeno ea Lichelete tsa Botho. Iketsetse ka ho loketseng: Ngola lintho tsa boikhathollo kapa mesebetsi eo u sebelisang chelete ho eona 'me u fokotse seo u se ratang ('me u rue molemo ho sona) hanyenyane. (Haeba u ea boikoetlisong hang ka beke, empa u rata ho matha ka ntle, mohlomong u ka hlakola botho boo.)

Shebana le Bokamoso ba Hau

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Mohlomong ha u nahane ka lilemo tsa hau tsa bo-60 lilemong tsa bo-20-empa u lokela. Ha e le hantle, ho bolokela bokamoso ba hau ba ho se sebetse ke e 'ngoe ea liqeto tsa bohlokoa ka ho fetisisa tsa lichelete tseo motho a ka li etsang ka 20, ho bolela von Tobel. Etsa hantle ka ho qala ka metheo. Likhamphani tse ngata li fana ka lenaneo la 401 (k) kapa 403 (B). Ingolise 'me u etse bonnete ba hore u batla lenaneo le ts'oanang - ha e le hantle ke chelete ea mahala. Khetho e 'ngoe: Roth IRA, moo u behang lidolara tsa morao-rao. "Ha ho fihla nako ea ho tlohela mosebetsi, o ka hula ntle le lekhetho," von Tobel o re. Kamora nako, ak'haonte ea setso ea khoebo ke khetho e ntle hang ha o qeta 401 (k) le liakhaonto tsa IRA, o eketsa Kedar.

Le ka mohla u se ke oa sebelisa chelete e ngoe ea $ 5

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Ho boloka chelete ha ho bonolo: Ma-Amerika a etsang liphesente tse 76 a phela ka mokhoa oa ho lefa, ho latela phuputso ea 2013 ea BankRate.com. Empa tsela e bonolo ka ho fetisisa ea ho akhela chelete bankeng ea likolobe e ka kenyelletsa banka ea likolobe ea 'nete. "Nako le nako ha u kopana le chelete ea lidolara tse hlano ka sepacheng sa hao, e lahlele ka nkho ho fapana le ho e sebelisa," ho bolela von Tobel. [Tweet ntlha ena!] Ha u nahana hore u hloka seaparo se secha kapa moea o fanang ka moea o futhumetseng, o tla ba le chelete e nyane ho fokotsa pherekano.

Etsa hore e Iketsetse

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Ho se bone 'meleng chelete ea hau e ea (ahem, likarete tsa mokitlane) ho ka ba chefo bakeng sa ho boloka merero. Empa ka linako tse ling hoa thusa: Ho iketsetsa poloko ea hau ho ka bolela moolah e kholo ha nako e ntse e ea. Ho theha phetisetso ea khoeli le khoeli ea karolo ea 15 ho isa ho 20 lekholong ea moputso o mong le o mong, von Tobel o fana ka tlhahiso.

Loana

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Liphuputso li bontšitse nako le nako hore chelete e baka lintoa manyalong, tlhalo le khatello ea bophelo ka kakaretso. Empa ho loana ka chelete ho molemo ho feta ho hloka chelete ho hang-hape ho molemo ho feta ho se bue ka taba eo, ho bolela Kedar. Le lokela ho tsebana lintlha tsa mekitlane, meputso, le mekoloto efe kapa efe. (Bakeng sa moqoqo o boreleli, leka lipotso tse lumellanang tsa lichelete ho tsoa bukeng ea Kedar Fumana Hlobotse ea Lichelete ho fumana hore na lifilosofi tsa hau tsa tšebeliso ea chelete li lumellana joang.)

Haha Letlole la "Tsamaea" la $ 1,500

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"Haeba ho hlokahala hore o tlohele mosebetsi, ntlo, kapa molekane oa hau, ka lebaka lefe kapa lefe, sena se tla o beha maemong a matla," ho bolela Kedar. Ha nako e ntse e tsamaea, o lokela ho ikemisetsa ho ba le chelete e lekaneng bakeng sa litšenyehelo tsa bophelo tsa likhoeli tse tharo ho isa ho tse tšeletseng.

Tseba Nomoro ea Hau

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Fess up: Na u tseba lintlha tsa mokoloto oa hau? Ntle le ho tsebisoa ka boemo ba mokoloto oa hau, ho tseba nomoro ea hau ho tla u boloka u le mocheng oa likarete tse sa hlokahaleng tse butsoeng ka lebitso la hau (joalo ka karete ea Banana Republic). [Tweet this!] Haeba u fumana lintlha tsa hau li le ka lehlakoreng le tlase (o lokela ho ikemisetsa ho feta 760), e ntlafatse ka ho lefa mokoloto oa hau oa karete ea mokoloto pele, leha e le $ 50 ka khoeli, ho bolela von Tobel. Boloka lintlha tsa hau li le holimo ka hore u se ke oa fetoa ke tefo kapa tefiso, 'me haeba u entse litefiso tsa morao-rao, letsetsa mokoloto oa hau ho kopa hore litefiso tsa morao li tlosoe. Haeba mofani oa chelete a lumela, lintlha tsa hau tsa mokitlane li ka 'na tsa phahama.

Khomarela Sengoathoana se le seng sa Polasetiki

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Ho molemo ho ba le karete e le 'ngoe ea mokitlane eo u e sebelisang le e' ngoe bakeng sa maemo a tšohanyetso, ho bolela Kedar, hammoho le karete ea banka bakeng sa ho ntša chelete. O re likarete tse fokolang li ka u thusa ho khomarela moralo oa tšebeliso ea chelete, kaha ha u e-na le likarete tse ngata, ho ka etsahala hore u sebelise chelete e ngata.

E-ba Nostalgic

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Haeba u le mokhatlong o hlakolang, etsa bonnete ba hore u boloka karete ea hau ea khale ka ho fetesisa. Ha nalane ea hau ea mokoloto e khutlela morao, lintlha tsa hau li tla ntlafala, ho bolela Kedar.

Khaotsa ho Tšaba 'Maraka oa Lichelete

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Nako e telele (lilemo tse hlano kapa ho feta), 'maraka oa' maraka o entse hantle historing, ho bolela Kedar. Kahoo haeba u na le chelete ea ho tsetela (e lokela ho ba ka tlase ho karolo ea 5 lekholong ea chelete ea hau le chelete eo u ke keng ua e hloka nakong ea lilemo tse hlano tse tlang), e-ea bakeng sa eona. Ha u tsebe hore na u qale hokae? Kedar e fana ka maikutlo a ho tsetela letloleng la li-index, joalo ka S&P 500, eo ha e le hantle e leng baskete ea li-stock e u fang karolo e nyane ea beng ba eona lik'hamphaning tse kholo tse rekisoang phatlalatsa naheng ea U.S.

Latela Melao e 3 ea ho Reka

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U se ke ua reka ntlo ntle le haeba u tla lula moo bonyane lilemo tse hlano. Nako ena e fokotsa monyetla oa hore boleng ba ntlo ea hau bo theohe, ka hona o ke ke oa lahleheloa ke chelete ha o rekisa, ho bolela Kedar. Etsa bonnete ba hore u na le chelete e lekaneng bakeng sa tefo e tlaase ea karolo ea 20 lekholong. 'Me u boloke mokoloto oa hau o le bonolo: Kedar e khothaletsa mokoloto o tsitsitseng oa lilemo tse 30.

U se ke ua Lebala ho Boloka

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Kedar o re ho bitsa chelete e ka etsang karolo ea 3 lekholong ea theko ea ntlo ho hlokomela ntlo selemo le selemo. Kahoo haeba u sebelisa $ 200,000 ka tlung, lebella ho lefa chelete e ka bang $ 6,000 ka selemo.

Reka Smart Way

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Ho ngolla mong'a ntlo cheke khoeli le khoeli ha se hakaalo hore u lahla chelete, ho bolela Kedar. Ebile, e ka ba mokhoa o bohlale oa ho boloka haeba o sena chelete e lekaneng ea ho e reka. Hopola feela hore litšenyehelo tse amanang le bolulo li lokela ho ba karolo ea 25 lekholong feela ea moputso oa hau. (Haeba u etsa $ 50,000, ikemisetse ho sebelisa chelete e ka bang $ 12,500 ka rente ea hau ea selemo le selemo.)

Kopa Phahamiso

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Basali ba bangata ha ba etse joalo, ho bolela Kedare. Liphuputso li fumane hore karolo ea 20 lekholong ea basali ba baholo ba re ha ho mohla ba buisanang ka moputso ho hang, esita leha ho ka ba ho loketseng. 'Me le haeba basali ba etsa lipuisano, ha ba kope ho hongata: ka tlase ho lithaka tsa banna ka karolo ea 30 lekholong. Itokisetsa seboka se seholo? Etsa bonnete ba ho totobatsa menehelo ea hau le boitlamo ho k'hamphani ea hau, ho fana ka maikutlo a Kedar.

Tlhahlobo bakeng sa