Ka Hoʻohaʻahaʻaʻana i kou'Ai'ē Lālia ma o ka Hoʻoholo Manaʻo
Pehea e hana ai kahi hoʻokomo waiwai
ʻO ka mea nui i ke kālāʻana,ʻo ia ka pūnaewele ma hope o kaʻauhau ma hope o kaʻauhau, ka hōʻailona hoʻolimalima i hōʻiliʻiliʻia e loaʻa ka mea kālā i kona kālā. E heluhelu hou i kēlā'ōlelo: ma hope o kaʻauhau . E aʻo i ka heluʻana i ka ulu o ka ulu ulu makahiki (CAGR) . ʻO nā mea āu eʻike nei i ka wā kūpono o nā equawina kālā eʻike i kēlā mau mea liʻiliʻi hiki ke hoʻonui i ka nui o nā pūʻulu kālā inā waiho waleʻia. Inā loaʻa iāʻoe he kālā he $ 100 a emiʻole paha i ka malama e hoʻolālā ai, aia kekahi mauʻano e hiki ai iāʻoe ke hoʻomaka i ke kūkuluʻana i kahi kōkoi waiwai waiwai . I kēlā manawa kēia manawa e hoʻonuiʻia kahi hapa o kāu mau hōʻike iā Uncle Sam, e hoʻemi liʻiliʻiʻia ka waiwai o ka waiwai i ka wā e hiki mai ana no ka meaʻaʻole i pau wale ke kālā iā ia iho, ua neleʻoe i ka waiwai a pau i hiki ke loaʻa ma ke kākoʻoʻana i kēlā kālā.
Hanaʻia kahi hoʻokomo waiwai no ka loaʻaʻana o nāʻanoʻauhauʻauhau likeʻole i nāʻano likeʻole. Ma muli o ka lōʻihi o ka manawa e mālamaʻia kekahi waiwai, no ka mea, he kālā i ukuʻia ma muli o ka uku a me ka ukana pili i ka loaʻaʻana o ka uku kālā kālā.
I nā hihia o nāʻohana iʻoi aku ka nui o kaʻohana, hiki i kaʻauhau ma ka hopena o kēia kālā ke loaʻa i kahi manawa he 35%. No laila, ma ke kau waleʻana i kāna mau waihona kālā kiʻekiʻe a me nā paʻaʻana i loko o kāna mauʻauhauʻauhau kālā, hiki i ka mea kālā kālā keʻike koke i nāʻauhauʻauhau nui e hiki ai ke lilo i kekahi manawa i nā makahiki heʻumi tausani ma ka makahiki a, i ka hopena, miliona miliona i loko o nā waiwai ma luna o ke kaʻina o ka holomua o ka nohona waiwai.
ʻO kahi hiʻohiʻona o keʻano o ka hoʻokomo waiwai e hiki ai ke mālama iāʻoe i ke kālā
E noʻonoʻo iāʻoe he waihona waiwai waiwai i $ 100,000. ʻO ka hapalua o kāu mau waiwai, a $ 50,000 paha,ʻo ia hoʻi nā waihona uku hōʻailona e loaʻa ana he 8% ka mea e hoʻonui i $ 4,000 i kēlā me kēia makahiki ma ka loaʻa kālā kālā. Aia he iwakāluakūmālima pakeneka o ke kōpili, aiʻole $ 25,000, he waiwai likeʻole me nā waiwai kiʻekiʻe e hāʻawi $ 1,000 i ka makahiki. ʻO ka hapalua he iwakāluakumamālima hapaʻumi, a he $ 25,000 paha,ʻo ia hoʻi nā paukū maʻamau e ukuʻole i nā'āpana.
Ma kēia kūlana, hiki i kahi mea kūʻai kālā i loko o ke kākoʻo kālā 35% e hoʻopakele koke i $ 1,750 i kēlā me kēia makahiki ma ka hoʻokomoʻana i nā kumukūʻai kiʻekiʻe a me nā paʻaʻana i loko o kāna mau kālāʻauhau. (No ka heluʻana i kēia, e hōʻaia i ka loaʻa kālā $ 4,000 a me ka $ 1,000 makana pūʻulu me ka $ 5,000. 35% kaʻauhau ma $ 5,000 he $ 1,750.) ʻAʻole hiki iā ia ke waiho aku i kāna'ai'ēʻole e uku i ka waiwai kālā i loko o ia pūkeo no ka meaʻaʻoleʻo ia e uku i nāʻauhau ma ka waiwai a hiki i kona kohoʻana e kūʻai aku i ke kālā; alaila, e auhauia oia i ka hapalua o ka waiwai ana e uku ai. No ka nui o nā mea kālā, ukuʻia nā uku waiwai ma 15%.
He alakaʻi i kahi hoʻokomo waiwai
I ka hoʻoholoʻana i kēlāʻanoʻano kālā e kau ai kāu waiwai e like me nāʻaina a me nā ukana maʻamau, i ka'ōlelo maʻamau, e kōkua i kēia mau alakaʻi āpau e kōkua iāʻoe i kāu hoʻoholo:
Nā waihona e pono e hoʻokomoʻia i loko o nā helu kuhi kālā ( 401k , IRA , a me nā mea'ē aʻe):
- ʻO ke kūlana kiʻekiʻe o nā kumukūʻai maʻamau me nā moʻolelo lōʻihi o nā uku uku
- Nā pūnaewele paʻa
- Kū'ē i nā hihia
- Nā māhele o nā hoʻokele waiwai waiwai (REITs)
Nā waiwai e pono e hoʻonohoʻia i nā pūnaewele i kākoʻoʻia i nā wā a pau, (ka hōʻemi , ka waiwai kūʻai kūʻai, a me nā mea'ē aʻe):
- Nā kumukūʻai maʻamau me ka uku aʻoiʻole nā uku kiko'ī āu e manaʻo nei e paʻa no nā makahiki aʻoi aku i ka makahiki
- Nāʻaupuni palapalaʻauhauʻole (no ka mea, uaʻauʻaʻole lākou i kaʻauhau,ʻaʻole e pono ke waihoʻia lākou i loko o ka helu kālā i kāʻaʻia)