Ka Hoʻoponopono Kālā a me ka Manaʻo Manaʻoʻia
Inā makemakeʻoe i nā kumukūʻai haʻahaʻa, keʻano maʻalahi, keʻano pilikino, a me ka hana lōʻihi lōʻihi o ka hōʻailona helu, e aloha nuiʻoe iā lākou i ka wā e aʻo aiʻoe pehea lākou e hoʻemi ai i nāʻauhau pili waiwai.
ʻO ka hua'ōlelo e wehewehe nei i ka mālamaʻana o kekahi mau kālā kālā i ka nui a iʻole ka liʻiliʻi o kaʻauhau i ka wā i hoʻohālikeʻia me nā mea'ē aʻe, heʻauhau kālā.
Inā kūpono kaʻauhau kālā o kēlā me kēia kālā,ʻo ia hoʻi,ʻaʻole ia e lawe i ka nui o nāʻauhau no kēlā me kēia mea kālā kālā i ka wā i hoʻohālikeʻia me kekahi kālā'ē aʻe.
Ma muli o kaʻauhauʻauhau,ʻo nā mea kālā e mālama nei i nā kālā i loko o kaʻauhauʻauhau (ʻaʻole 401 (k) a iʻole IRA) hiki ke hoʻemi i nāʻauhau ma o ka hoʻohanaʻana i nā kālā i mālamaʻia.
No kēia kumu, ua'ōleloʻia nā kālā hōʻemi i kālā maikaʻi . Eia ke kumu:
ʻO ka waihona kālā hōʻemi he haʻahaʻa haʻahaʻa hou
ʻO kekahi mahele nui o nā kumukūpū helu e hoʻolilo ana iā lākou i kaʻauhau-maikaʻiʻo ia ka lākiō haʻahaʻa haʻahaʻa,ʻo ia ke ana e hōʻike ana i ka nui o nā paʻa o kahi waihona i paniʻia (hoʻololiʻia) i ka makahiki i hala. Eia kekahi laʻana, inā hoʻokaʻawale kahi waihona kālā i 100 pahu likeʻole a he 20 o lākou i paniʻia i ka makahiki hoʻokahi, he 20% ka huina kālā.
He aha ka pilikia i ka piʻi nui? I ka loaʻaʻana o ke kālā a me ke kūʻaiʻana i kaʻoihana i nā kālā likeʻole, ua kūʻaiʻia lākou e kūʻai aku i kekahi mau palekana ma kahiʻoi aku ka nui aʻe ma mua o ka kūʻaiʻana o ka luna kālā.
ʻO keʻano he waiwai waiwai nui a inā loaʻa ka waiwai kālā i nā kālā nui, e hele lākou i kēlā me kēia mau loaʻa i ka poʻe kālā kālā ma keʻano o ka hāʻawi kālā kālā kālā . He aha ka hewa o ka loaʻaʻana o nā makana kālā kālā kālā? Hāʻawi lākou i ka waiwai kālā kālāʻauhau!
No laila, he nui ka piʻiʻana o kaʻauhau nui.
Akā, ma keʻano,ʻo ka waihona kālā hōʻano ka liʻiliʻi haʻahaʻa - pinepine he haʻawina he 1% a 2% paha -ʻoiaiʻo ka loaʻaʻana o ka huina kālā iʻoi aku ke kiʻekiʻe ma mua o 20% a i kekahi manawa he 100% aʻoi aʻe.
Hōʻikeʻia nā Pūnaewele Nānā i nā Dividends Mahele
ʻO nā māhele mai nā kālā likeʻole eʻauhauʻia e like me ka uku kālā aʻo ka hapa nui o nā kālā hoʻokū'āha kālā e hāʻawi i nā mea liʻiliʻi ma mua o nā kālā hana i loko o kēlā me kēiaʻano.
Ināʻaʻoleʻoe e kūʻai i kahi kālā hōʻailona i hanaʻia e kūʻai a hoʻopaʻa i nā lāʻau e uku ana i nā waiwai a iʻoleʻoe e kūʻai i kaʻauhau index index,ʻaʻoleʻoe e paʻa i kahi waihona kālā e hōʻiliʻili i kaʻauhau kālā mai nā'āpana a me ka hoihoi.
ʻOi aku ka maikaʻi, inā kūpono ia i kou mau palekana palekana a me nā kumu hoʻolālā waiwai, hiki iāʻoe ke kūʻai i nā kumukūʻai helu ulu, e like me ka Vanguard Growth Index (VIGRX). ʻAʻole loaʻa i nā kumukūʻai ulu waiwai nā uku (no ka mea,ʻo nā kamupali e hoʻopuka iā lākou e hoʻokumu i kā lākou mau waiwai ma mua o ka hoʻokaʻawaleʻana iā lākou me nā mea waiwai i keʻano o ka waiwai).
ʻO ka laina lalo inā inā he kāki kālāʻauhauʻauhau āu, hiki i nā kālā hōʻuluʻulu kālā ke mālama paʻa, manaʻoʻoe e mālama i kaʻauhau i nā palena.
Ka Hoʻohaha:ʻO kaʻike ma kēia pūnaewele ua hāʻawiʻia no nā papa kūkā wale nō, aʻaʻole pono e kuhiʻia e like me ka'ōlelo aʻo kālā a me ka'ōlelo aʻo kālā. ʻAʻohe kumu e hōʻikeʻia kēiaʻikepili i manaʻo e kūʻai a kūʻai aku i nā palekana.