Xisaabiyaha FIRE
Ku qorshee madaxbannaanida maaliyadeed adigoo adeegsanaya kayd, soo celin iyo kharash bartilmaameed.
Su'aalaha inta badan la is weydiiyo
Maxay FIRE ka dhigan tahay?
FIRE waa Financial Independence, Retire Early (madaxbannaani dhaqaale). Fikradu waa inaad dhisto maalgelin dabooli karta kharashaadkaaga adigoo ka-qaadis sameeya.
Waa maxay heerka ka-qaadista ammaan ah (SWR)?
Heerka ka-qaadistu waa boqolkiiba aad sanadkii ka qaadato portfolioga. Dad badan waxay tijaabiyaan 3–4% si ay u arkaan adkaysiga.
Ma isticmaalaa nominal mise real?
Haddii aad geliso sicir-barar si gooni ah, isticmaal soo-noqosho real (ka dib sicir-barar). Haddii aad isticmaalayso nominal, kharashka bartilmaameedka waa inuu sidoo kale noqdaa nominal.
Ma ku jiraan canshuur iyo khidmadaha?
Si toos ah maya. Canshuur, khidmadaha, iyo hoos-u-dhacyada suuqa ayaa beddeli kara natiijada; isticmaal qiyaaso taxaddar leh oo tijaabi dhowr xaaladood.
FIRE: qorshaynta madaxbannaanida dhaqaale
FIRE (Financial Independence, Retire Early) waa fikrad ku saabsan dhisidda maalgelin dabooli karta kharashaadkaaga adigoo ka-qaadis sameeya, si shaqadu u noqoto ikhtiyaar. Xisaabiyahani wuxuu kaa caawinayaa inaad tijaabiso qiyaaso kala duwan.
Bartilmaameedka: “FI number”
Xeer caadi ah:
bartilmaameed ≈ kharash sannadeed / heerka ka-qaadista
Tusaale: 240,000 SEK sanadkii iyo 4% → qiyaastii 6,000,000 SEK.
Sida loo isticmaalo xisaabiyaha
- Geli portfolioga hadda.
- Geli wax-ku-darsiga bil kasta.
- Doorso soo-noqosho iyo sicir-barar.
- Deji heerka ka-qaadista iyo kharashka bartilmaameedka.
Real vs nominal
- Haddii sicir-barar la geliyo si gooni ah: isticmaal real returns.
- Haddii nominal: kharashka bartilmaameedka ha noqdo nominal.
Talooyin
- Tijaabi xaalado taxaddar leh.
- Ku dar margin canshuur iyo khidmadaha.
- Ka fiirso sequence risk: hoos-u-dhac hore wuxuu saameyn weyn yeelan karaa marka la bilaabo ka-qaadis.
Xisaabiyayaal la xiriira
Hadafka kaydka & ribada isku dhafan
Saadaali sida kaydkaagu u koro markaad isku darsato lacag hal mar ah iyo kaydin bille ah.
Xisaabiyaha Hawlgabka (2026) - Dawladeed, Shaqo, Gaar ah
Ku qiyaas dakhliga hawlgabkaaga ee hawlgabka dawladeed, shaqo iyo kaydka gaarka ah.
Canshuurta ISK ee Heerka Joogtada ah (2026) iyo Xorriyadda Canshuurta
Xisaabi canshuurta heerka joogtada ah ee akoonkaaga kaydka maalgashiga (ISK) iyadoo la adeegsanayo xorriyadda canshuurta ee 300,000 SEK sanadka 2026.