He weheweheʻana i nā mea āu e kūʻai nei i ka wā e loaʻa ai kāu kālā kālā
Ma ka hoʻomaopopo maikaʻiʻana i kēia, ke manaolana nei auʻaʻole e loiloha loa ka manaʻo o ka hoʻokomoʻana i ke kālā kālā ma keʻano he mea hou waiwai.
ʻO kaʻikepili ma nā uku kālā
E like me kaʻu i wehewehe aku ai i loko o ka Mutual Funds 101 , he hapa kēia o kā mākou Papahana Hoʻopalekana Kumu Loaʻa no kaʻImiʻana i nā'Aiwi Mutual ,ʻo ka waihona kālā iʻoi aku ka waiwai kaulana loa maʻAmelika Huipūʻia no ka mea hāʻawi lākou i kahi no nā poʻe o kēlā me kēia lā e kūʻai i kahi kōkole o nā lāʻau , nā bona , a me nā mea'ē aʻe. Loaʻa nā pānaʻi like e kūlike me ka nele i nā mea e pono ai, no ka loaʻaʻana kahi wahi e mālama ai i kāu kālā kālā manawa liʻiliʻi no ka loaʻaʻana o nā'āpana a me nā kālā kālā ma nā kumukūʻai honua lōʻihi. ʻO kēia loli ka mea e alakaʻi ai i ka ulu o ka pōʻai ma ka pūnaeke kālā. He $ 3.3 miliona ka nui o nā kālā kūʻai kālā i loko o ia mau mea ma ka hopena o ka makahiki 2009. I ka hopena o Nowemapa 2009, ua hoʻohenehene wale ke kālā kālā lōʻihi i ka $ 11 miliona ma nā waiwai.
Heʻoihanaʻoihana a hoʻokahi hoʻi he mea nui iāʻoe no ka mea ināʻoe e hoʻolako i kahi 401 (k) , 403 (b) , Roth IRA, IRA tradition , SEP-IRA, Simple IRA , a me ka hōkeʻe kālā . Wahi a kekahi mau manaʻo, 1 i loko o kēlā me kēia 2ʻohanaʻAmelika e loaʻa ana nā kālā likeʻole.
Ka Hui Kamaliʻi
Hoʻonohonohoʻia kekahi pūʻulu ma keʻano he hui maʻamau a iʻole kahi hilinaʻi, e hilinaʻi ana i keʻano hea i makemake ai nā mea hoʻokumu.
Ināʻae ka waihona e uku i kona waiwai a pau, ka ukupanee, a me nā uku waiwai kālā i nā mea waiwai,ʻaʻole e uku ka IRS iā ia i nāʻauhau kālā (i kapaʻiaʻo "ka heleʻana ma o kaʻauhau" a kōkua iāʻoe e hōʻole i ka papa kulalua i ka manawa maʻamau i ka kūʻaiʻana i nā mahele o ke kālā).
ʻO ka puʻu kālā o ka waihona kālā hoʻokahi wale nō nā mea:
- He Papa Hoʻokele a Kahu Kahu paha : Inā he hui ka hui,ʻo nā kānaka e kiaʻi ana iā ia no ka poʻe kuleana, uaʻikeʻia he mau luna a lawelawe lākou ma kekahi Papa . Inā he mea hilinaʻi, uaʻikeʻia lākou he mau kahu kula a lawelawe i kahi Papa Kahu. ʻAʻohe mea likeʻole ma waena o nā kuleanaʻelua. E like me nā rula i kauʻia e ke kānāwai, aia ma kahi o 75% o nā luna e hoʻokaʻawaleʻia,ʻo ia hoʻi,ʻaʻohe ona pilina me ke kanaka a mea paha i hoʻopaʻa i ke kālā. E ukuʻia nā luna no kā lākou hana. Ma nā kumukūʻai nui, kālā pāʻani kālā pāʻani kālā he $ 250,000 i ka makahiki!
- ʻO ke kālā, nā waiwai, a me nā palapala paʻa o ka waihona :ʻO nā kumukūʻai maoli, nā kāmeʻa, ka waiwai, a me nā waiwai'ē aʻe e paʻa ana i ka waihona kālā.
- Nā Kū'ē :ʻO ka waihona kālāʻaʻole ona limahana,ʻo nāʻaelike wale nō me nāʻoihana'ē aʻe.
E komo kēia mau 'aelike:
- Nūele: kahiʻauʻa e hoʻopaʻa i nā ukupanee, nā kaula, nā'āpana, a me nā waiwai a pau o ka waihona no ka uku
- Agena kūʻai: nā kānaka e mālama nei i kāu mau kūʻai a me kā lākou kūʻaiʻana i nā'āpana kālā likeʻole, e hōʻoia iāʻoe e loaʻa kāu mau māmala'āina a hoʻouna iāʻoe i nā hōʻikepili pūʻali
- ʻO ka loiloi a me ka hōkeoʻana:ʻO ka paʻa e hele mai a hōʻoia i ke kālā, aia nō ka waihona kālā i ka mea e'ōlelo ai ma ka nūpepa i kēlā me kēia lā i ka hoʻoholoʻana o ka waiwai.
- Ka hoʻomalu mālama kālā, a me kaʻahahui kūkā'ōlelo hoʻokele:ʻO kaʻoihana mālama i ke kālā a kūʻai, kūʻai, a hoʻoholo paha. Ua hoʻonuiʻia ka hapakū o nā waiwai i ka pūnaewele mālama waiwai, e'ōlelo i 1.5%, no ke kūʻaiʻana i kēia lawelawe. Hiki ke hoʻokukeʻia lākou e ka papaʻaha luna o ka'āpana kālā me ka liʻiliʻi loa a hoʻololiʻia.
Pehea e hana ai ka Pūnaewele Mutual
E'ōlelo mākou he $ 10,000ʻoe e makemake ana e hoʻokomo i ke kālā XYZ. Hiki iāʻoe ke noi i kahi noi noi pūnaewele mai ka pūnaewele pūnaewele o kēlā me kēia pūnaewele, e hoʻopihapiha, a e leka uila me kahi leka.
I kekahi mau lā ma hope mai, ua weheʻia kāu pūnaewele.
Eia ka wehewehe maopopo o ka mea e hiki mai ana:
- Ua hoʻounaʻia kāu leka i ka luna hoʻokele. Ua waihoʻiaʻo ia i loko o kahi hōkeo a iʻole pūʻai waihona. E hōʻoiaʻiʻo lākou e hāʻawiʻiaʻoe i nā'āpana o ka waihona kālā ma muli o ke kumukūʻai o ka waihona i ka manawa i waihoʻia ai kāu kope.
- E hōʻikeʻia ke kālā i loko o ka helu a eʻikeʻia e ka luna kōpili nāna e hōʻike i kaʻaha kūkā. E loaʻa iā lākou kahi hōʻike e hōʻike ana iā lākou i ka nui o ke kālā e loaʻa ai i nā kumukūʻai'ē aʻe, nā hōʻailona, aiʻole nā mea'ē aʻe e pili ana i nā kālā pūnaewele e komo mai ana i loko o waho o ka waihona.
- Inā makaukau ke kāpena punahele e kūʻai i nā kuleana o kahi waiwai e like me Coca-Cola, e haʻiʻo ia i kānaʻoihana kālepa e hōʻoia i ka hoʻopihaʻia o ke kauoha. E hana lākou me nā stockbrokers, nā kīʻa waiwai hoʻokomo , nā kikowaena pale, a me nā kumu waiwai'ē aʻe no ka huliʻana i ke kumukūʻai a kau i ko lākou mau lima ma luna o ke kumukūʻai kūpono loa.
- Keʻaeʻia kaʻoihana, e hala kekahi mau lā a hiki i ka lā koho. Ma kēia lā, e loaʻa i ke kālā kālā ke kālā i laweʻia mai loko aʻe o kona waihona kālā a hāʻawi aku i ke kanaka a mea paha i kūʻai aku i nā'āpana o Coke iā lākou no ke kūʻaiʻana i nā palapala kiʻi kūʻaiʻo Coke, e hoʻolilo iā lākou i mea nona ka mea hou. Hoʻopiliʻia kēia mauʻili ma ke kino a ma ke kelepona me ka mea mālama.
- I ka manawa e uku aiʻo Coca-Cola, e hoʻouna akuʻo ia i ke kālā i ka mea mālama, aʻo ia ka mea nāna e hōʻoia e hāʻawiʻia i ka waihona kālā o ka pūʻulu.
- Mālama ka waihona kālā i nā kālā i ke kālā i hiki iā ia ke uku ia mau mea iāʻoe i ka mahele ma ka hopena o ka makahiki.
Pehea e hoʻolimalimaʻia ai ke Kōmike Kōkua Pūnaewele?
Mahalo pahaʻoe pehea i ukuʻia ai ka luna o ka puʻu kālā no ka hukiʻana i nā kumukūʻaiʻoiaiʻaʻoleʻo ia i hana maoli no ka waihona kālā akā he'elike e mālama i ke kālā. Inā ukuʻia lākou he 1.5% no kēlā me kēia makahiki, e loaʻa iā lākou 1 / 365th o 1.5% i kēlā me kēia lā, e kū ana ma muli o nā kumu waiwai o ka waihona. Laweʻia ke kālā mai ka pūʻulu kālā i ka waihona kālā a waihoʻia i loko o ka waihona o ka mea kōkua i kēlā me kēia lā.