Cherechedza nekuda kwe "majee" matsvuku ayo akakuvadza kubhadhara mari yako
Dzivisa Investments neZvipfeko Zvokubhadhara
Ko kana iwe uchida kubva (kupa) kuzvipira kune chero chikonzero? Kuita zvekutsvaga kwakafanana nekutengesa mutengesi kunotengesa annuities uye "B" kugoverana mutual funds kubhadhara mhosva uye nekudaro kugadzirisa kushanduka.
Mimwe mienzaniso Imari inopa kuzvipira zvinogona kukonzera matambudziko mumamiriro ezvinhu akadai se:
- Kurambana: Vakaroorana vakaiswa mari pamwe chete, chete kurambana makore mashomanana gare gare. Vakanga vane zvingasarudzwa zviviri: kubhadhara zvikwereti zvakakwirira kuti vabude muhutano hwavo huri pamwe chete kana kuti varambe vachirima pamwe chete kwemamwe matanhatu mamwe makore.
- Kufamba: Ngatiti iwe unoda kutenga imba itsva uye unoda mari yekuisa pasi kusvikira imba yako yekare inotengesa. Izvi zvinogona kuitika zvisingatarisirwi nemabasa ekuchinja. Nekubhadhara kwekuzvipira mhosva, iwe haugone kuwana mari yako pasina kubhadhara izvo zvinowanzova mari yakawanda.
- Utano: Mari yehutano iwe kana vadikanwa inogona kudhura. Kunyange zvazvo imwe yveshuwarisi-inotengeswa nemari yekuzvipa mhosva inogona kupa rusununguko rushoma rusununguko rwemari yako, zvakakwana iwe unoda kuwana zvizere mari yako panguva iyi.
Iva Akangwarira Kwekutsvaga Nekutsvaga Kuwedzerwa
Imwe mari yekutsvaga haisi nyore kubuda.
Izvi zvinonzi "illiquid". Mimwe mienzaniso ishamwari dzepambani yezvivako, hupfumi huripo, hupfumi hwehutano hwevamwe, uye reRITs dzisiri kutengeserana pachena (kana kazhinji chinhu chinonzi "shanduro"). Kana iwe uine mari yakawanda mune mari isiri yezvirimwa, hauzove nyore kuwana mari yako.
Zvakawanda zvezvipembenene zvinoshandiswa-zvimwe zvekutsvaga mari zvinopikira mhinduro dzakakwirira, asi ramba uri mupfungwa iwe unotyisa ngozi yekurasikirwa yese kana kuti inenge yako yose yekutsvaga kwako. Dharairidza mazera emasitrasi uye zvikwata zvekutsvaga uye usaisa mari inopfuura 15% yemari yako mumhando iyi yemikana.
Dzivisa Kurairwa Izvo zvinoda Kambani Dzakakwirira Dzepamusoro kana Kutenga Mitoro
Kuita zvekutsvaga kwekutengesa mahofisi ekumusoro kunogona kuva mari yakawanda nekuti imhizha yako haina kukurudzira kupa rubatsiro rwekushandira nekudzidziswa iwe kana inguva yekutsvaga irikupedzisira. Mimwe mienzaniso inosanganisira: "A" kugoverana mari, mutengesi-akatengesa annuities, uye hupenyu hwehutano hwehupenyu huse (VUL) sehutsva.
Kana iwe uchibhadhara hurukuro yepamusoro, pane chaizvoizvo hazviiti zvimwe zvinokurudzira kune mutariri wezvemari kuti ape rubatsiro runoramba ruripo kwauri. Ramba uchifunga kuti nhasi pane nzira dzakawanda dzekubhadhara mazano emari uye vazhinji hazvirevi kubhadhara komisheni. Ikoko kunogona kuva nguva iyo inogona kuve yakanakira kuisa chiduku chepodfolio yako muzvikwereti zvinoda komisheni kana mari yekubhadhara, asi inofanira kunge isingakoshi.
Asi kunze kweizvi nzvimbo yeimba. A realtor haafaniri kusungirwa kuti ashandise pfuma yako, saka kubhadhara komisheni yekutengeserana kwemaimba kunonzwisisika.
Basa ravo nderokukuwana iwe pfuma chaiyo uye kutaurirana zvakanakisisa zvaunoita iwe.
Dzivisa Kuvhiringidza Mari
Kuve nekutsvaga kwakanaka kunogona kuve kushandiswa kwakaipa kana iwe usinganzwisisi kuti inoshanda sei. Kana usiri kunzwisisa kana ruzivo, iwe unowanzoita chisarudzo chakaipa. Kana mukana wacho uchinzwika wakaoma kana iwe usinganzwisisi kutyara, ita chimwe chezvinhu zvitatu:
- Bvunza mibvunzo yakawanda. (Kana mumwe munhu asingadi kupa mhinduro dzeChirungu ipapo famba.)
- Famba kure nechisimba.
- Hire chiremba kuti uongorore hutsva. Vanofanira kutakura zvikanganiso uye kusvibiswa kweinishuwarenzi.
Usaisa Mari Yese Yako Mari Mhando Yakadaro Yokubhadhara
Chero ani zvake anokurudzira iwe kuisa mari yako yose mune ipi zvayo yekutsvaga kwekutsvaga kuri kukupa mazano akaipa ekutsvaga mari. Kunyange zvazvo chimwe cheizvi chinogona kunge chiri chikamu chinokosha chepodfolio yako, usaisa mari yako yose mune imwe chete yeiyi:
- Zviwanikwa - Zvizvarwa zvinogona kupa zvivimbiso zvinogona kunge zvakakosha kwauri . Zvisinei, kana mumwe munhu akakurudzira kuti iwe uise mari yako yose, mari yose inotengesa uye mari yakabhadhara mitero (yakadai seIRA accounts), kuti iwane annuities, izvi hazvisi kuchenjera nekuda kwemari yakakwirira uye zvishoma zvishoma.
- REIT's - A REIT, kana Real Estate Investment Trust , yakafanana nehurumende yekutengeserana inenge iri yekutengesa kana yekutengesa dzimba. Mamwe REIT ndiwo masimba makuru. Zvisinei, ivo vanofanira kungova chikamu chiduku chepodfolio yako yose.
- Mitero Inoshandiswa Imitero - Unoda kuvaka muganhu pakati pekodhesi yakaremberedzwa (yakadai seIRA kana 401 (k) nhoroondo) uye mushure mekubhadhara mari. Kana mari yako yose iri mumabhadharekeri akabhadhara mutero inogona kudzoka kukukuvadza iwe paunotora mari yakawanda uye mitero inokonzerwa .
Nepo iwe usingadi mari yako yose mune imwe chete yemari yekutsinhanisa, iwe unogona kusarudza zvakachengeteka mutungamiri mumwechete kana kuti akasimba kuti uite mararamiro akawanda. Somuenzaniso, unogona kuisa mari yako yose ne:
- Iko iyo inodanwa yakafanana mutual fund kambani, yakadai saVanguard kana Fidelity.
- Uyu anonyanya kuzivikanwa mutungamiri wezvemari , kana vakashandisa nzvimbo dzakasiyana-siyana dzekutsvaga mari kune iwe.
- Imwe iyo ikambani inoshandiswa pakubhadharisa mari, yakadai saCharles Schwab , Fidelity, kana TD Ameritrade, chero bedzi mari yako yakasiyana-siyana pamarudzi akasiyana-siyana ekutsvaga mari mukati memabhuku iwayo.