Iva Nechizivo Chezvinhu Zvingaitika Zvinoita "Izvo Zvose" Mazano
Pane zvikanganiso zvakasiyana-siyana zvinoitwa nevanhu vasati vasara. Zvizhinji zvezvikanganiso izvi zvinowanzoonekwa kune munhu wese. Zvichida chii chakaita sechirongwa chakanakisisa panguva iyo yakadzoka uye ine mari inokuvadza mumugwagwa. Kana, zvichida wakatsauswa uye hauna kugamuchira mazano akakodzera. Kuti urege kuva chikamu chematambudziko epamberi, zvakakosha kuva nezivo pamusoro pezvikanganiso zvitatu uye kuti ungazvidzivirira sei.
Nhema # 1: Kwete Kuwedzera Mipiro Yenyu Yekubvisa Basa
Kana zvasvika pakuita zvipo zvekurega basa, zvakanakisisa kuwedzera ma 401 (k) kana akawanikwa kubva kumushandi wako. Zvakakosha kuyeuka kuti kuchengetedza mutero mushure mekushandira 401 (k) yako kuchakusiya zvakanyanya muhomwe dzako kupfuura kana iwe uchichengetedza mushure mekuteresa. Kuverenga kwekutsvaga kwakabatsira kusimbisa nhamba yevashandi vanobatana mune dzimwe makambani, asi mune dzimwe nguva, vashandi vanodzidzisa motokari pakuchengeta mitero yakaderera pane mari yavanenge vasarudza. Zvakakosha kuchengeta ziso pazviri. Iwe unokwanisawo kukurudzira kana kubata pamari yako. Yeuka kuti dzimwe zvirongwa zvinokubvumira kuti uwedzere kuwedzera mari yaunopa gore negore. Kana iwe uri makumi mashanu kana kupfuura, unogona kukodzera kupa mari yekuwedzera kuburikidza nemupiro wekubata.
Mhosho # 2: Mari Inodhura MuPato Rekushandisa Mari
Kunyange zvazvo kuitisa mari hakuzombofi kwakasununguka, zvinokosha kuti udzidziswe nezvemari yakasiyana-siyana inogona kunge yakakonzera kukura kwako kwekurega mari.
Mutual fund funds. Taura nemudzidzisi wako pamusoro pemari-mero. Mari idzi hadzina mberi kana mari yekupedzisira, uye havana zvipingamupinyi zvekupinda kana kuwanikwa. Iwe unogonawo kubvunza pamusoro pezvikamu zvekugovera zvidzidzo izvo zvinowanzova nemari shoma yegore negore.
Brokerage business business. Makore apfuura, zvingave zvakakosha madhora mazana emadhora (kana kupfuura) kuti aite zvekutengeserana kwekuchengetedza.
Iye zvino, unogona kuzarura kambani yekutengeserana kwepaIndaneti uye kuita bhizimusi pasi pe $ 15.
Internal mutual fund inoshandiswa mari. Mutungamiri wehurumende yemari vanoita mararamiro avo kubva pachikwereti chemari. Mhosva yacho inokonzerwa nemari yakawanda-yakatengesa, "mari yakashanda" yakachengetedzwa inoshandiswa kuparadzanisa mumusika kutarisa mari iyo inonyatsocherechedza kudzoka kwemusika.
Nyora pazvisungo uye zvitsva zvitsva. Iva nehanya kuti vapeiri vemahombekombe makuru uye mabhizimisi ekudhinda vanogona kutengesa zvisungo nematokari kubva muzvinoshandiswa zvemabhizimisi avo, chengetedza matengo pavanenge vatenga kwavari, uye kuchengetedza kusiyana.
12-b 1 mari. 12b-1 mari yekutengeserana mari yekuti mutual fund makambani anobhadhara kune mazano nevakambani vanoisa vatengi vavo muhomwe.
Nhema # 3: Kutora Matambudziko Kubhadhara Kubva Pamuviri Wenyu Wokuchengetedza
Muhupenyu, iwe unogona kuzviwana uri mune zvisingatarisirwe mune zvemari zvakashungurudzika mamiriro ezvinhu uye uchinzwa kuti nzira chete yekuwana mari yakawedzerwa kubuda ndeyokutora mari kubva kune yako 401 (k). Iwe unofanirwa kunzwisisa zvose zvikwereti zvemutero zvinoenda pamwe nekubvisa dambudziko rematambudziko uye kuti zvichaita sei kukwanisa kwako kuwana mari yako. Somuenzaniso, kana uri kufunga nezvekutora chikwereti chakaoma chekuremara, gara uchiyeuka kuti iwe unofanirwa kuva wakakwana zvachose uye wakagadzikana zvachose kutora mari kubva kune yako 401 (k) pasina kutongerwa.
Kana iwe uri kutsvaga kutora mari yekubhadhara mari yepamusoro, 401 (K) ichabhadhara chirango che10%, asi kugoverwa kweIRA chirango pasina.
Mhedziso
Kune huwandu hwezvimwe zvikanganiso zvinodhura kuti urege kudzivirira. Pakati peizvi vari kutora njodzi yakawanda, vasingakwanisi kurongana nemumwe wako kana mudzimai wake, achicherechedza kutengesa kwezvinhu, uye kusungirirwa nechikwereti, kungoti vashoma. Kuti uwane tsananguro yakazara yezvimwe zvezvikanganiso izvi uye kuti ungazvidzivirira sei, teerera iyi mutungamiri wepachena, "Zvinokonzera Kurasira Mhosva Kuti Udzivise."
Mukuwedzera, usakanganwa mazano aya mashanu achaita kuti nzira yako ive yekuti iwe ufare zvakare:
- Tanga kuponesa mangwanani. Yeuka kuti penny yakaponeswa nhasi yakawanda kupfuura iyo penny yakachengetedzwa mangwana.
- Kunzwisisa zvaunoda kuitira bhadha yako yemwedzi mushure mekurega basa pamusoro pekuchengeteka kwehutano huchagovera, uye mepu kubva kune mamwe mafashamo anowanikwa kuti "uzadze gaka."
- Hit $ 500,000 muhupfumi hwekurega basa.
- Iva nepurogiramu yekubvisa chikwereti chako panguva yawakagadzirira kurega basa.
- Shandisa nouchenjeri. Kunyange iwe ungave uine mari yekutenga iyo motokari itsva itsva kana imba huru, iwe unonyatsoda here?
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo