Zvimwe kugoverwa nzira dzinopa zvibereko zviri nani zvevakabhadhara.
Chii chinonzi "100 Minus Age" Kutonga?
Paunoshandisa mari yako, chisarudzo chaunoita chichava nechinonyanya kukosha pamigumisiro yako ndechekuti iwe unowedzera zvakadini mumatokari nezvisungo . Mumakore akawanda mitemo yakawanda yegumbo yakagadzirwa mukuedza kupa mazano pamusoro pechisarudzo ichi.
Imwe yekutonga kwakakurumbira ndiyo "100 minus age" kutonga, iyo inoti iwe unofanira kutora zana uye kubvisa zera rako: Chigumisiro chikamu chemari yako yekugovera kumatokari (anonziwo anonzi equities).
Uchishandisa mutemo uyu, paunenge uine makumi makumi matanhatu kubva kuzana makumi mashanu kubva kune makumi mashanu kubva kune makumi mashanu kubva kune makumi mashanu kubva kune makumi mashanu. nezera remakore makumi matanhatu nemashanu, iwe ungadai wakaderedza kugoverwa kwako kumatoro kusvika ku 35%. Muchirevo chemagetsi izvi zvinotumidzwa se "kuderedza kuenzana glidepath". Gore roga rega (kana kupfuura mamwe makore mashomanana) iwe unoderedza kugoverwa kwako kune zvikwereti, nokudaro kuderedza kusagadzikana uye nengozi yehuwandu hwekutsvaga mari yako.
Matambudziko Anoshanda NeRule Rule
Dambudziko nemutemo uyu haisi kurongedzwa nechinangwa chako chemari mune chero nzira. Kuisa zvisarudzo kunofanirwa kubva pane basa iro mari yako inoda kukuitira. Kana iwe uri iye zvino 55, uye usingarongorori kubvisa kutora kubva kumakosheni ako ekurega basa kusvikira iwe uchida kuita izvozvo pazera remakore makumi manomwe , ipapo mari yako ine makore akawanda okushandira iwe usati watoda kuibata.
Kana iwe uchida kuti mari yako ive nemikana yakawanda yekuwana kudzoka kudarika 5% pagore apo uine 50% chete yemari iyo yakagoverwa pamatokari inogona kuva yakachengetedza yakavakirwa kubva pane zvinangwa zvako uye nguva.
Kune rumwe rutivi, iwe unogona kunge uri 62, uye pamusoro pekurega basa. Mune mamiriro ezvinhu vazhinji vakasiya mari vanobatsirwa nekukanganisa zuva rokutanga rehupfumi hwavo hwekuchengetedzwa kwevanhu uye kushandisa mari yekurasira mari kubvisa mari yekubhadhara kusvikira vasvika makore makumi manomwe.
Muchiitiko ichi iwe unogona kushandisa mari yakakura yemari yako yekutsvaga mari mumakore masere anotevera, uye zvichida 38% inopiwa kuhomwe ingadai yakakwirira.
Zvinotsvakurudzwa neZvesarudzo
Zvikoro zvepamusoro zvatanga kutora tsvakurudzo yekutsvaga basa rekunyatsoshandiswa kwekuti kuwedzera kwehutano hunoenderera mberi (izvo ndizvo zvinotarisirwa nemakore zana ekutonga kwemakore) inoenzanisa nekumwe sarudzo. Zvimwe zvingasanganisira kushandiswa kwekugadziriswa kwemashoko, zvakadai se 60% yezvokudya / 40% zvisungo pamwe nekugadzirisa gore rimwe nerimwe, kana kushandisa kusimudzika kweglide gwara, apo iwe unopinda mubhadharo nehurukuro yakawanda kuzvisungo, uye upedze zvibvumirano izvi uchirega kugoverwa kwako kukura.
Kutsvakurudza kwakaitwa naWade Pfau naMichael Kitces kunoratidza kuti mune varombo mashokero emabhizimisi, zvakadai sezvingave wakambosangana nazvo kana iwe ukagara mujeri muna 1966, 100 minus yekugoverwa kwemakore yakagadzirisa zvakashata, zvichikusiya usina mari makore makumi matatu mushure mekurega basa. Kushandisa glidepath kuwedzera kwekukwirirana kwaunoshandisa mari yako yekutanga kwakapa zvakanakisisa mhinduro.
Vakatarisawo migumisiro yezvikamu zvakasiyana-siyana zvekugoverwa pamusoro pesimba rekutengesa, zvakadai sezvaungave wakamboona kana iwe ukazorora muchechi muna 1982. Mukushambadza kwemashamba emigwagwa nzira dzose nhatu dzakasiyirwa iwe mukanaka hwakanaka nekutaridzika kwakasimba kunounza kuguma kwakasimba nhaurirano dzekodhesi uye kuwedzera kwekuenzanisa glidepath nzira inokusiya nemafungiro ekupedzisira ekupedzisira kwekodhi (ayo akanga achiri kure kwazvo kupfuura iwe watanga nawo).
Vane zana vasati vasvika pakatarisana nezera vanopa mhinduro mukati meimwe nzira mbiri.
Purogiramu Yakaipa, Tariro YeVakanakisisa
Paunenge uchirega basa, hapana nzira yekuziva kana iwe uchange uchingopinda makore gumi kana maviri emasimba ekutengeserana emusika kana kwete. Zvakakosha kuvaka urongwa hwako hwekugovera kuitira kuti hushande kubva pane zvakanyanya kuitika. Sezvo zvakadaro, zana remakore zana risati raita seiri iro rakakosha kugoverwa kushandiswa mukurasira sezvo risingafambi zvakanaka pasi pemamiriro mashoma ematengesi ematengesi. Panzvimbo yekugovera mahofisi nenzira iyi, vashandirwi vanofanira kutora zvakananga nenzira yakasiyana: Kubvisa chikamu chikuru kune zvisungo zvingashandiswa nemaune, pavanenge vachisiya chikamu chikamu choga chokura. Izvi zvingangoita kuti kuwedzerwa kuwedzerwa kugoverwa kwako kune zvikwata munguva yekurega basa.