Umuntu oneminyaka engu-30 ubudala kufanele ayitshale kanjani imali yakhe ukuze akwazi ukuthatha umhlalaphansi lapho eseneminyaka engu-65?
Ukulondolozela umhlalaphansi kuyisihloko esibalulekile okufanele sicatshangelwe yinoma yimuphi umuntu noma umkhaya.  E-US, iningi labasebenzi abasebenza isikhathi esigcwele bafanelekela izinhlelo ze- 401K noma ze- Roth IRA zokulondoloza imali yomhlalaphansi ngomqashi wabo, okuvumela ukuba uhlehlise intela emholweni wakho futhi, kwezinye izimo, uthole iminikelo eyengeziwe eyengeziwe kuze kufike enanini elithile kumqashi wakho.  Ngokusebenzisa i- 401K yakho uvame ukufinyelela kulokho okubizwa ngokuthi izikhwama zenkomba, noma ukuhlanganiswa kwezimpahla eziqapha amaqembu athile amasheya, amabhondi, noma ezinye izinsimbi zezimali. Lezi zimali zingaphathwa ngenkuthalo, lapho inkampani noma umeluleki elawula izimali ezisetshenziswa kulezi zimali, noma zingaphathwa ngokunganaki, lapho isikhwama silandelela imakethe ethile noma uhlu lwezinkampani (isibonelo: i-XLF, isikhwama esilandelela umkhakha wamabhange obanzi).  Ngokuqondene nokuphatha ingozi, ngokuvamile unamaphesenti aphakeme esitokisini sakho uma kuqhathaniswa nezibopho noma imali ekuqaleni komsebenzi wakho, futhi lokhu kuhlangana kushintshela kwizibopho ezinobungozi obuncane njengoba usondela emhlalaphansi. Ngokuvamile, nakuba izimali ezilawulwa ngenkuthalo zenza kahle kwezinye izimo, ngokuvamile, zisebenza ngendlela efana kakhulu nezimali ezinenkomba ezilawulwa ngokunganaki futhi, ngenxa yezindleko ezihambisana nazo, ochwepheshe abaningi bayavuma ukuthi kuwukuhlakanipha ukugxila ezikhwameni ezibanzi zemakethe.  Iphothifoliyo yomhlalaphansi evamile yomuntu oneminyaka engu-30 ubudala ingase ihlanganise ama-50-75% ezimali ezinkulu zezimali zasekhaya. Ngokuvamile kuwukuhlakanipha ukuba nokuchayeka ezimakethe zakwamanye amazwe kanye namasheya asekhaya anenani elincane/eliphakathi nendawo noma izingxenye ezithile zemakethe, kunamabhondi amancane noma imali kuze kube sekwephuzile ekuphileni.