Tātaitai motuhake ā-pūtea
Tāurua ō penapena, tō takoha, te hua e tūmanakohia ana, te pikinga utu me te moni e hiahiatia ana e koe ia marama hei oranga. Ka kite koe e hia ngā tau e toe ana, āhea, ā, he aha tō pakeke ka tae koe.
Tāurua ō penapena, tō takoha rānei, te hua, te pikinga utu me ō whakapaunga ā-marama.
He whakatau tata me te hua me te pikinga utu pūmau, i mua i ngā tāke me ngā utu. Ka piki tō takoha ia tau me te pikinga utu, pērā i te whāinga.
Ia tau, ia tau
Tāurua ō penapena, tō takoha rānei, te hua, te pikinga utu me ō whakapaunga ā-marama.
He whakatau tata noa ngā hua. Kāore a Solvemis e whakaae ki tētahi haepapa mō ngā hua, mō te āhua rānei o te whakamahinga. Me āta tirotiro anō i ngā hua i ngā wā katoa, ā, me kōrero ki tētahi tohunga i mua i te whakatau.
Kāore he utu a Solvemis, kāore hoki he rēhita. Mēnā i āwhina, ā, e hiahia ana koe ki te tautoko i te kaupapa: Hokona mai he kawhe
I whakamāoritia tēnei whārangi e te atamai hangahanga, ā, kāore anō kia arotakea e tētahi kaikōrero taketake, nā reira tērā pea he hapa kei roto. Pānuitia i te reo Pākehā. Ki te kite koe i tētahi hapa, tuhia mai ki info@solvemis.com.
Te āhua o tōna mahi
Me pēhea te whakamahi
- Tāurua te moni kua haumitia kētia e koe me te nui o tō takoha, ka kōwhiri ia marama, ia tau rānei.
- Tāurua te hua ā-tau e tūmanakohia ana, i muri i ngā utu, me te pikinga utu toharite. Ko te whāinga a Te Pūtea Matua, ko te pikinga utu i waenga i te 1% me te 3%, tata ki te 2%.
- Tāurua te moni e hiahiatia ana e koe ia marama hei oranga, i te moni o nāianei.
- Kōwhiria te pāpātanga tango: ko 4% te ture tawhito; mō te reti moata roa, he haumaru ake te 3% ki te 3.5%.
- Hei kite i tō pakeke ka tae koe, tāurua tō pakeke. Whakatuwheratia te ripanga kia kite ia tau, ia tau.
Me pēhea te tātai
Ko te moni e hiahiatia ana ko ō whakapaunga ā-tau ka wehea ki te pāpātanga tango. Ka tātai te tātaitai ia marama: ka tipu ō penapena i te pāpātanga ā-marama e ōrite ana ki te hua ā-tau, (1 + r)^(1/12) − 1, ā, ka whiwhi i ō takoha. Me te pikinga utu, ka piki te whāinga ia marama, ā, ka whakapikihia tō takoha kotahi te wā ia tau. Ka motuhake ā-pūtea koe i te marama tuatahi ka tae ō penapena ki te whāinga o taua marama.
Moni e hiahiatia ana = whakapaunga ā-tau ÷ pāpātanga tango (i te 4%: 25 × whakapaunga ā-tau)
Ngā mātāpuna
- Determining Withdrawal Rates Using Historical Data (William P. Bengen, 1994) — Journal of Financial Planning, Financial Planning Association
- Inflation target — Te Pūtea Matua (Reserve Bank of New Zealand)
Mō tēnei tātaitai
He aha te motuhake ā-pūtea
Ka motuhake ā-pūtea koe ina ea i ngā hua o ō penapena ō whakapaunga, ā, ka noho te mahi hei kōwhiringa, ehara i te herenga. Koinei te whakaaro o FIRE (Financial Independence, Retire Early). Ko te pātai, e hia te moni e rawaka ai, ā, ka whakautua e te ture 4%.
Te ture 4%
I te tau 1994, i titiro te kaiwhakamahere pūtea a William Bengen ki te mea ka pā mai i te tau 1926 ki tētahi kua reti, ka tango i tētahi ōrau pūmau o ōna penapena ia tau, ka whakapiki ki te pikinga utu. I te 4%, i ora te moni mō te 30 tau neke atu i ngā wā katoa. Nā reira, ko te moni e hiahiatia ana he 25 te whakarea o ō whakapaunga ā-tau.
| Pāpātanga tango | Whakareatia ngā whakapaunga ā-tau ki | Mō te $ 2,000 ia marama |
|---|---|---|
| 4% | 25 | $ 600,000 |
| 3.5% | 28.6 | $ 685,714 |
| 3% | 33.3 | $ 800,000 |
| 2% | 50 | $ 1,200,000 |
| 1% | 100 | $ 2,400,000 |
I whakamātauria te ture ki ngā raraunga o Amerika me ngā reti e 30 tau te roa. Ki te reti koe i a koe e taiohi ana, me roa ake te ora o tō moni, koia i taea ai e koe te whakaheke i te tātaitai.
He tauira
Mā te $ 20,000 kua penapenatia me te $ 800 ia marama, he hua 7%, he pikinga utu 2.5%, ā, $ 2,000 ia marama hei whakapaunga:
- Ki te kore e whakaaro ki te pikinga utu: 22 tau, 7 marama.
- Me te pikinga utu: 28 tau, 8 marama. Hei taua wā, ehara i te $ 600,000 te whāinga, engari ko $ 1,217,780, ka hoko i te mea e hokona ana e $ 600,000 i tēnei rā.
Ki te tīmata koe i te 35 tau, ka tae koe i te 63. Mā te pāpātanga 3% hei utu mō te 4%, ka 33 tau, 9 marama.
E rua ngā pānga o te pikinga utu
Ka whakapiki te pikinga utu i te whāinga, nō reira me piki hoki tō takoha ki te pikinga utu ia tau kia tutuki ēnei hua. Ki te haumi tonu koe i te moni ōrite, he iti iho tō penapena ia tau, ā, ka roa ake.
He tāpiri te penihana kāwanatanga
Ki te whiwhi koe i te penihana kāwanatanga, he moni tāpiri tēnā. Ka taea te tango i ō whakapaunga ā-marama: mā te penihana $ 800 ia marama, ka hiahia koe ki te $ 1,200 ia marama, he whāinga $ 360,000, ā, ka 20 tau, 7 marama. Ka tīmata noa iho i te pakeke reti, nō reira ki te mutu koe i mua, me utu e ō penapena ngā mea katoa tae noa ki taua wā.
Ngā mea kāore i roto i te hua
- Ngā tāke me ngā utu: tāurua te hua i muri i ngā utu. Ko te tikanga, ka tākehia ngā hua haumi, i runga anō i te momo pūkete.
- Ngā hua hurihuri: ka whakaaro te tātaitai he pūmau te hua. Ka huri ngā hua tūturu ia tau, ā, ka taea te heke.
- Ngā panonitanga o te ao: ka huri ngā whakapaunga, ngā moni whiwhi me te whānau i roto i ngā tau.
He whakatau tata noa ngā tatau katoa, ehara i te matapae, i te tohutohu pūtea rānei. Mō tētahi mahere e tika ana mōu, kōrero ki tētahi tohunga. Kāore a Solvemis e whakaae ki tētahi haepapa mō ngā hua, mō te āhua rānei o te whakamahinga.
Ngā pātai auau
He aha te ture 4%?
Ki te tango koe i te 4% o ō penapena tīmatanga i te tau tuatahi, ka whakapiki i taua moni ki te pikinga utu ia tau, i ora te moni mō te 30 tau neke atu i ngā wā katoa i rangahaua i Amerika. Nā reira, ko te moni e hiahiatia ana he 25 te whakarea o ō whakapaunga ā-tau. Mō te $ 2,000 ia marama, $ 24,000 ia tau, ko $ 600,000 tēnā.
He aha e whakaheke ai ki te 3%, 2%, 1% rānei?
Nā te mea i rangahaua te ture 4% mō ngā reti e 30 tau te roa. Ki te mutu koe i te mahi i te 40 tau, me ora pea tō moni mō te 50 tau neke atu, ā, he haumaru ake te pāpātanga 3% ki te 3.5%. I te 2%, 1% rānei, he iti noa te pāngia o ō penapena.
Ka pēhea te penihana kāwanatanga?
He moni whiwhi tāpiri te penihana kāwanatanga. Ki te pai koe, tangohia te moni e tūmanakohia ana i ō whakapaunga ā-marama, ka heke te whāinga. Ka tīmata noa iho i te pakeke reti ā-ture: ki te mutu koe i mua, me utu e ō penapena ngā mea katoa tae noa ki taua wā.
I whakahōungia 2 Oketopa 2026
He mea e ngaro ana i tēnei taputapu, he taputapu rānei kāore i konei? Tuhia mai