Izvo Zvose Nezvokuchengetedza, Kukura, Diversification, uye After-Tax Results
Paunowedzera zvinyorwa zvekuwana mari yepasita yako, mumamiriro ezvinhu akawanda, unofanira kutarisa zvinhu izvi zvina:
- Kuchengetedzwa kwekusimbiswa kwemari
- Kukura muhuwandu hwemari inoshandiswa gore negore
- Diversification yezvinhu zvinokosha izvo zvinokonzera kukanganisa mari inoshandiswa
- Migumisiro yemitero yemugove wega wega wekusasa mari
Mundima dzinotevera, ini ndichatsanangura kukosha kwezvinhu izvi chimwe nechimwe.
Kudzivirirwa kwePassive Income Stream
Kana zvasvika pakutsvaga cheki mumishu kana kuona majeti akajeka akawedzerwa mubhodhi yako yebhangi, kuchengetedzwa kunofanira kunge iwe nhamba yako yekutanga. Iwe unoda kuve nechokwadi chokuti kana iwe uine chekuchengeteka, chivako, kana imwe nzvimbo, ichaenderera mberi ichikuita zvibhakera zvaunofanira kushandisa, kupa kupa rudo, kudzorera , kana kuchengeta. Chinhu chekupedzisira chamunoda ndomuka mumwe mangwanani kuti uwane mari yaunotarisira isipo.
Kuwedzera muNhamba yePassive Income Inowanikwa Gore Negore
Ikutsvaga kukuru kwechokwadi kunokosha pane nguva nokuti bhizimisi iri pasi kana pfuma iri yepamusoro-soro iyo vatungamiri vanogona kusimudza mitengo nokukurumidza kudarika kuwedzera kwekuwedzera . Iwe hausi kuda kurasikirwa nesimba rekutenga. Tora muenzaniso wakafanana neThe Coca-Cola Company.
Kana iwe wakatenga zvikamu zvekare mumakore ekuma1970, uye wakapedza chikamu chako chikamu pamakore makumi mana emakore apfuura kuitira kuti pasave nemari iyo yakadzorerwazve, iwe ungadai uchiri kupa mari inowanikwa gore negore kupfuura iwe wakadzoka apo wakatanga kutenga cash check . Izvozvo ndezvokuti bhizimisi pacharo rawedzerwa, purogiramu yakawedzerwa, uye mugove wega wega wega wava nekodzero yekuwana murwi mukuru wemari.
Dhiversification yeAiyo Pasi Pfuma Inotarisirwa Kubhadhara Imari Yakashata
Iwe unoziva zvakare kuti, "usachengeta mazai ako ose mune rimwe tswanda"? Tora zano iroro zvakanyanyisa. Kana iwe uchitenderera pane chikwereti chako chekuwana mari, zvose zvakakosha ndezvenhare yose inoratidzika gore negore. Zvimwe zvose zvakaenzana, zviri nani kuti iwe uite $ 50,000 pagore kubva kune makumi mashanu ekusima kwekutsvaga, imwe neimwe inokupa $ 1 000, kupfuura iwe kuti uite mari mbiri, imwe neimwe inowana $ 25,000. Muchikamu chekupedzisira, dambudziko neimwe yezvipuriro zviviri izvi zvinotungamirira kukugurwa kwakaipisisa mumamiriro ako ehupenyu. Izvozvo hazvibvumirwi panhandare yemutambo apo uri mukukohwa mode, kukohwa mibairo yehupenyu hwose hwekuchengetedza mari .
Migumisiro yemitero yeMugove wega wega wePassive Income
Mitero inokosha.
Mitero inokosha zvakanyanya. Hazviiti kuti iwe uite zvakanaka kuisa pfungwa pahuwandu hwemari yaunowana muga woga nokuti chinhu chimwe chete chinonyanya kukosha ndeyemari yemari yaunochengeta. Havasi vose vanokanganisa mari yemari vanoenzana. Chikamu chiripo ikozvino chakakonzerwa ne15% chete, asi kuparadzirwa kubva kune tenzi hukama hushoma kunogona kubatwa sekudzoka kwemari uye kubhadharwa zvishoma, kana kune mitero, kwemakore mashomanana okutanga. Bhidhiyo yekambani yehurumende inogona kunge yakabhadharwa zvakanyanya se 41% muzvakaitika zvikuru, asi kusungirirwa kwemutero musunhare musungo kunogona kupukunyuka mitero zvachose. Kuomesa nyaya zvakanyanya, zvinhu zvakachengetwa mune mamwe marudzi eakaunti, zvakadai saRoth IRA , zvingasave zvisingatarisirwi nemitero kunze kwekuti iwe uchinge wava musungo, zvakadai seChipinzvimbo Chisingabatanidzi Bhizimisi Kubhadhara Mari, kana BHTI.
Paunoisa pamwe yako mazita emari inokonzera mari, ita kuti iwe uverenge mambure chaiyo, mushure mekutora mari yaunogamuchira gore negore.
Dzimwe nguva, unogona kuwedzera mararamiro ako ehupenyu zvakanyanya nekuchinja zvinhu zvekuchengetedza kwaunochengeta kana kuita mune imwe nzira inonzi asset positioning. Iko mari isina mari yakagara patafura kuti iwe utore. Hapana chikonzero chekuisa mubasa rakawedzerwa kuti udzidze mutero wemitero uye kupedzisa zvishoma zvishoma.
Iva nechokwadi kuti Unodzokerazve Kubhadhara Kwako Kwakawanda Pamusoro Pechiitiko Chakanaka Rimwe Gore
Isa nguva chaiyo kamwe chete gore negore - yakadai seChipiri chepiri munaFebruary kana zuva raitevera Thanksgiving - uye uende kuburikidza nechimwe chezvikwereti zvako. Ongorora uye oita kuti vachiri kupa zvinhu zvina zvatakataura nezvazvo - kuchengeteka, kukura, diversification, uye zvakanaka mushure mitezo yemigumisiro. Chimwe chebasa rezuva rakakwana chebasa ibhadharo shoma yekubhadhara rugare rwepfungwa.