Retirement Calculator Simulato

Workman Consulting LLC

Iqukethe izikhangisoUkuthenga ngaphakathi nohlelo

Mayelana nalolu hlelo lokusebenza

Ngingawuthatha nini umhlalaphansi? Ngabe iphothifoliyo yami yokutshala imali yomhlalaphansi izongidlula? Ingabe iqanda lami lesidleke engithathe umhlalaphansi (noma iqanda lesidleke eliqanjiwe) lanele ukuthi ngithathe umhlalaphansi? Ingakanani imali engizoyishiyela izindlalifa zami? Ingakanani imali etshaliwe engiyidingayo ukuze ngifinyelele ukuzimela ngokwezimali futhi ngithathe umhlalaphansi ngaphambi kwesikhathi (UMLILO)? Akekho ozokwazi ngokuqinisekile, kodwa uma ubonisa ikusasa ngokusekelwe kokwakudala ungakwazi ukubala ukuthi yini okungenzeka yenzeke uma usuthatha umhlalaphansi.

Kunezibali eziningi zokuthatha umhlalaphansi lapho ukhetha khona izinga elizwakalayo lokwehla kwamandla emali nembuyiselo, kodwa awekho amaphothifoliyo omhlalaphansi okungenzeka akhiqize isilinganiso esimile ngokuhamba kwesikhathi. Ukuntengantenga kwezimakethe zamasheya kungumbulali! Ukuhlupheka ngenxa yokwehla kwesitoko noma imakethe yebhondi ngesikhathi esingafanele kungenza umehluko omkhulu emphumeleni wakho wonke. Kuphela ngemva kokulingisa okwedlule lapho ungakwazi ukuhlelela ikusasa ngokuzethemba. I-Retirement Investing Calculator Simulator YIMPELA kulesi sibalo semakethe yamasheya.

I-Retirement Investing Calculator Simulator isebenzisa idatha yangempela yemakethe yamasheya kanye nokwehla kwamandla emali kusukela nyanga zonke ngo-1871 kuya ku-2020. Kudingeka imbuyiselo yangempela yemakethe yamasheya yase-United States (S&P 500), ukubuyiselwa kwemakethe yebhondi yase-US (GS10), kanye nezinombolo zokwehla kwamandla emali zenyanga ngayinye ukuze zilingise. izinkulungwane zezimo zokuthatha umhlalaphansi ezinembe ngokomlando.

Vele ufake inani lephothifoliyo yakho yomhlalaphansi, imali oyisebenzisayo yonyaka neminyaka yokuthatha umhlalaphansi; iSibali Sesibali Sokutshala Imali Somhlalaphansi sizobala imiphumela yakho yomuntu siqu, sisebenzisa izibalo ezifika ezigidini ezimbalwa kusifanisi ukuze sinqume ukuthi ngabe uphumelele kanjani (futhi kungenzeka uphumelele ngokuzayo). Enza kube ngokwakho imiphumela yakho Yesibali Sokutshala Imali Yomhlalaphansi ngokushintsha inhlanganisela yesitoko/yebhondi, izimali ezikhokhwayo, isikhathi sokubala, inani laminyaka yonke elilondoloziwe neminyaka uze uthathe umhlalaphansi usebenzisa Imodi Ethuthukisiwe. Ungakwazi futhi ukwenza okungahleliwe (kusilingisi) zonke izinyanga zomlando ukuze uthole uhla olubanzi nakakhulu lwezimo zesifanisi sokuthatha umhlalaphansi.

Isibali Sesibali Sokutshala Imali Somhlalaphansi sikuvumela ukuthi ulondoloze noma uthumele i-imeyili imiphumela yakho yesifanisi sokuthatha umhlalaphansi; buya futhi uzame ukukhetha okuhlukile kwesilingisi sokuthatha umhlalaphansi!

I-Retirement Investing Calculator Simulator iyisifanisi sesitayela saseMonte Carlo sisebenzisa isitoko somlando nezinombolo zokwehla kwamandla emali ukuze sinqume amathuba empumelelo aqhathaniswa nokwehluleka. (Ukulingiswa kwe-Monte Carlo kusebenzisa amamodeli ukubikezela amathuba emiphumela ehlukene.) Yenza ngokwezifiso izibalo zakho zokuthatha umhlalaphansi ngokwezintandokazi zakho. Isibali Sesibali Sokutshala Imali Somhlalaphansi sisebenzisa idatha evela ku-S&P 500, i-Treasury Bond Yeminyaka Eyishumi, kanye Nenkomba Yentengo Yabathengi (ukwehla kwamandla emali). ISibali Sokubala Sokutshala Umhlalaphansi siphinde sisebenzise izandulela zayo iminyaka ngaphambi kokuba zibe khona.

Umshwana wokuzihlangula: Ulwazi nezibalo kulesi Sibali Sesibali Sokutshala Imali Somhlalaphansi ezezinjongo zemfundo kuphela, futhi azihlanganisi iseluleko sezezimali. Xhumana nomhleli wezezimali onelayisensi ukuze uthole iseluleko esithile sokuthatha umhlalaphansi kanye nokwenza izinqumo zezimali zokuthatha umhlalaphansi. Wonke amaphuzu edatha afakiwe alungile ngokolwazi lwethu olungcono kakhulu, kodwa asikho iwaranti eyenziwayo mayelana nokunemba noma ukusebenza kwale datha noma izibalo. Abanikazi / ababhali balolu hlelo lokusebenza (okuhlanganisa i-Workman Consulting LLC) ngalokhu bayakuchitha isibopho sanoma yikuphi ukusetshenziswa / kabi kwalolu hlelo lokusebenza kanye nedatha ehlinzekwe yilolu hlelo lokusebenza. Ababhali balolu hlelo lokusebenza abaniki iwaranti ngokunemba, ukwethembeka noma ukuphelela kolwazi; futhi ungamukeli noma isiphi isibopho sanoma yiliphi iphutha noma ukweqiwa kulolu hlelo lokusebenza nanoma yimuphi umphumela wokulahlekelwa noma umonakalo owenziwe umamukeli nanoma yimuphi omunye umuntu. Ngokulanda kanye/noma ngokusebenzisa uhlelo lokusebenza, uyavumelana nale migomo. Izimbuyiselo zangaphambilini azikhombi ukusebenza kwesikhathi esizayo. Noma ngabe isu lezezimali lokutshala imali lokuthatha umhlalaphansi beliyosinda ku-100% wezimo ezidlule zokulingisa, aliqinisekisi ukuthi lizokwenza kanjalo esikhathini esizayo.

Yini entsha

Added 2020 / 2021 data
Fixed minor bug