Mazano Anokosha Ekuchengetera 40+ Boka
Unofara here pamusoro pemari yakawanda yaunoda kuti usiye?
Iwe unoziva here mari yakawanda yaunoda kubhadhara mari, asi wakavharwa nepfungwa yekuponesa mari yakawanda zvakadaro?
Kana wakapindura "hongu" kune chero ipi zvayo mibvunzo iyi, tarisa aya mazano mana ekuchengetedza basa rekuchengetedza basa rinotarirwa kwezera remakore makumi mana nepamusoro.
Nyaya yekutanga ichakubatsira iwe kuverenga mari yakawanda yaunoda pakubhadhara, asi mamwe mazano anobatsira kuwana nzira dzekuwana mari yakawanda.
Mari Yakadini Ine Yandinoda Kurega?
Gosheni semari yakawanda mukuchengetedza mari sezvaunokwanisa. Kana ukatanga kuchengetedza kubhadhara mumakumi maviri ako, mutemo mukuru wegumbo unoti iwe unogona kubva nekuchengetedza chete 10 - 12 muzana yemari yako yokutora kumba.
Kana uri kutanga mumakumi mana ako, mutemo mukuru wegunwe unoti unoda kuwedzera mukana wako wekuponeswa kusvika kune 15 - 20 muzana.
Izvozvo zvinonzwika zvinotyisa here? Zvino edza izvi: pane kungotarisa kuwandisa kwekubhadhara pamusha kwako kwaunofanira kuchengetedza, sarudza mari yakawanda yaunoda kurarama nayo pagore panguva yekurega. Wedzerai nemakumi maviri nemashanu kuti muone kuti munoda kuchengetedza zvakadini.
Kuti urarame pa $ 40,000 pagore muhutano, somuenzaniso, iwe unoda $ 40,000 x 25 = $ 1 mamiriyoni muhotera yako yekurega basa .
$ 1 Mamiriyoni anganzwika seakawanda asi yeuka: Haufaniri kuwana $ 1 Mamiriyoni pamabasa ako 9 kusvika ku5, unongoda kuwedzera $ 1 mamiriyoni kuburikidza nemari yako .
Chinhu chinonyanya kukosha kukubatsira kuti uite izvi ndechekureba kwenguva refu. Kana nguva yako yakareba yakaiswa muhomwe yekubvisa mari, inowedzera kukura. Ichokwadi, nehutsinye hwekuchengetedza hurongwa, iwe unogona kuumba $ 1 mamiriyoni epodfolio mune zvishoma kana makore 17 - 20.
Sei? Nenguva yakajeka, iyo yakawedzerwa mari yako yakawedzerwa, iwe unowedzera kushandisa mukana wekuwedzera kudiwa .
Mushure mekunge nguva yakakwana inopfuura, chikwata chinowedzera chichakubvumira kuti uite kaviri kana katatu mari yako .
Tarisa Mhemberero dzeNhasi dzeMari
Kana basa rako razvino risina kubhadhara zvakakwana kuti iwe uchengetedze $ 1,500 - $ 2,000 pamwedzi kana kupfuura, ungada kufunga kuwana nzira dzekuwana mari kune rumwe rutivi.
Zviduku zvishoma zvinokonzera kukura. Kana iwe uchikwanisa kuwana mari inopfuura $ 100 pavhiki - zvichida nokuchera usvina, kubysitting, kubvunzurudza, kudzidzisa kana kusunungura-uye iwe unogonawo kuderedza imwe $ 100 pavhiki kubva pamashandisirwo emari yako, uchachengetedza $ 10,400 pagore.
Tsvaga Mitsva Yekuwana Imba
Mukuwedzera pakuwana zvakawanda, kupedza zvishoma nekuvaka miriyoni yako yemadhora, iwe unogonawo kutarisa mitsva yekuwana mari mukutora basa.
Ndinoziva rimwe retiree iyo imba yakabhadharwa zvachose; iye ane chikwereti-pasina. Anodzinga imba yake kune vashandi. Anoshandisa chikamu chemari yekubhadhara kuti abhadhara renhi yake panzvimbo inodhura, uye anorarama pane zvakasara zvekubhadhara mari, iyo inowedzera mudiki wepenheni uye Social Security.
Nyaya yake yakanyanyisa sezvo vanhu vazhinji vasingadi kubva kunze kwemisha yavo. Asi shanduro yakashandurwa yeiyi ingangodaro kubvarura chikamu cheimba yako, yakadai sedhoro rezasi kana muzukuru wemukati.
Inongova muenzaniso mumwe chete wezvizhinji zvekuti iwe unogona kuwana mari yakawedzerwa paunenge uri mujeri.
Iwe unogonawo kudzidzisa makirasi, kubvunzurudza, kutarisira kuchengetedza zuva, kana kushanda se nanny.
Kurambidza Kurega
Kana iwe uri mumakore ako makumi mana, iwe uchiri nenguva yakakwana yekuunganidza $ 1 mamiriyoni epodfolio. Une makore anopfuura makumi maviri kubva pamasikati kusvikira pazuva rekurega basa.
Asi zvakadini kana uri mumakore ekuma50 kana makumi matanhatu uye iwe unoona kuti iwe wakanyanyisa kubhadhara mari yako yepasitoreti? Ramba uchishanda.
Kunze kwekuti mukuru wako kana kuti hutano hwako huri kurega basa, ramba uri mubashandi kwenguva yakawanda iwe unogona. Zvose gore rimwe nerimwe mubasa rinokupa mari yakawanda yaunogona kuchengetedza kubhadhara , uye mari yako ichava nenguva yakawanda yekukura.