Inobatsira Kupfuura 10 Percent Kubhadhara Chikwereti
Nyanzvi dzinowanzotaura kuti iwe unofanira kuchengetedza zvishoma zve10 muzana kune 15 kubva muzana yemari yako yakawanda kuti uchengetedze mararamiro akafanana mukurasira.
Pasinei nemamiriro emaakisi enyu epamberi mazuva ano , iwe unofanirwa kuve nechokwadi kuti uri kuita zvinhu zvakanaka zvaunofambira mberi. Izvozvo zvinoreva kuwedzera 401 (k) kana zvimwe zvipo zvekurega basa kune iyo 10 muzana zvishoma, kana kwete.
Pachine zvishoma, iwe unofanirwa kunge uine chokwadi chekuchengeta zvishoma zvakakwana kuitira kuti mushandi wako azere . Asi izvi hazvikwanisi kana uchida kuchengetedza mararamiro akafanana ehupenyu hwako mumakore ako endarama.
Lower Mutual Fund Mari
Kunyange ivo vatori vemari vaine mari yakawanda havagoni kudzivisa mari yose, asi unogona kuita zvimwe zvishoma kuhofisi yako yepodfolio iyo inogona kukuchengetedza mazana emadhora kwemakore , kana kwete. Iwe unogona kunge usina zvakawanda zvaungasarudza kuisa mu 401 (k) account yako , asi IRA kana imwe nhaurirano yekutsvaga mari kunze kwekumushandira yako inofanira kukupa iwe kusvika kune imwe neimwe yehurumende pamwe ne ETF iripo.
Ongorora mari yako yezvino mutual uye mari ye ETF , uye uenzanise nemari yakafanana paVanguard, Charles Schwab, Fidelity, nezvimwewo mhuri dzehurumende.
Kana iwe ukakwanisa kutora madhora ako kune imwechete mari nebhadharo shoma, iyo inofanira kuchengetedza mari yakawanda muaimari yako yekutsvaga pane nzvimbo yeWall Street fund manager's pockets.
Gadzira Purogiramu yeAsset Allocation uye Gadzirira Kwairi
Mari yako inofanirwa kusanganisira mhando dzakasiyana dzematokisi, zvisungo, uye mari (kana mari inosanganisira mashizha uye zvisungo) zvinofanirana nekutambura kwako kune ngozi uye kwenguva refu yekutsvaga zvinangwa.
Kana izvo zvisina kudaro, inguva yekuumba yakanakisisa yekugoverwa kwepurogiramu yezvaunoda.
Nhaka yako yekugoverwa inofanira kunge iri nzira yepamugwagwa kusvika kune chikamu chakawandisa chematokisi, zvisungo, uye zvimwe zvinhu zviri mumapatoti ako. Izvi zvinogona kuva nenhoroondo kana chirongwa chakakwana pamabhuku ose. Chero zvaunenge uchiita, usakanganwa kugoverwa kwemari yako kana iwe unogona kunge uri mukushamiswa kukuru, kusina kunaka rimwe zuva mune ramangwana.
Verenga bhuku re Investment
Warren Buffett anopedza nguva yakawanda yezuva rake achiverenga, anenge 80 muzana yezuva rake kuti ave yakarurama. Nepo iwe haufaniri kuverenga yakafanana 600 kusvika ku1000 mapeji ezuva sa Warren Buffett, iri pfungwa yakanaka yekuvhara ruzivo rwako rwekutsvaga kwekutsvaga nebhuku idzva kamwe chete pagore. Pano pane zvisarudzo zvishomanana zvepamusoro kuti uenzane nemari yako IQ:
- Munhu Akachenjera Anopa Muridzi-Benjamin Graham
- Nenjodzi Fambai Pasi Pasi Mutaundi-Burton Malkiel
- The Automatic Millionaire-David Bach
- Ini Ndichakudzidzisa Iwe Kuti Uve Rich-Ramit Sethi
Kuti uwane mamwe mazano, tarisa uwandu hwema 9 mabhuku ekutsvaga mari .
Gadzirisa Maakare Akare
Bhengi uye mabhuku ekutsinhanisa haabatsiri chikoro chako chekwereti , uye hapana mubatsiro mukuchengeta mabhuku ekare akazarurwa. Vanongowedzera kuhutano hwepfungwa, zvinyorwa zvinyorwa, uye kuwedzera kwemashoko uye 1099s panguva yekutere.
Kwemarenda akare ekurega basa akaita se 401 (k) nhoroondo kune vashandi vekare, 401 (k) rollover inokubatsira kusimbisa, kuwana zvitsva zvekutsvaga mari, uye kuderedza mari yako. Pamunosvika kubhengi uye mabhuku ekutsinhanisa, huwandu huri nani pane dzimwe nguva, chero bedzi iwe usingakwanisi kubhadhara zvimwe kana kurasikirwa pamitero yemitero.
Dzidza imwe nzira itsva yekutsvaga
2017 yakanga iri gore rinopera reBitcoin nedzimwezve cryptocurrencies, asi ivo vari kure nemamwe chete ekutsvaga mari. Kana iwe usina chido chechimwe chinhu chakanyanyisa, hausi wega. Asi izvi hazvirevi kuti nzvimbo yako yepodfolio inofanira kuva isina nzira.
Dzimwe nzira dzakakurumbira dzinosanganisira zvivako, zvigadzirwa, peer-to-peer chikwereti, tenzi mashoma kubatana, nezvimwe. Sarudza mumwe kuti udzidze nezvegore rino. Kana iwe uchida kana kuti usasarudza kuti zvakakosha zvakakwana zvepodfolio yako, hazvina kuipa kuziva zvakawanda pamusoro pekutsvaga mari.
Dzoka Pasi Pokuchengeteka
Kufanana nemamwe makore apfuura, 2017 yakasiya mamiriyoni evanhu veAmerica ruzivo rwemunhu kunze kwevanhu nekuda kwekuputsa kukuru nekuchengetedzwa kwevanhu. Nyaya huru yegore iri yaiva Equifax, iyo yakakonzera ruzivo rwemunhu wevanhu nezvemamiriyoni 143 eMamerica kusanganisira zvose zvaidiwa kuti zvizivikanwe.
Kana iwe usati watova, tora kuvimbiswa kwezvinhu zviviri pane chero ipi zvayo inogona kuitika, kunyanya yako yekutanga email email. Edzai maneja we password kuitira kuti iwe uve neruzhinji, random password pawebsite yewebsite unoshandisa. Pakupedzisira, shandura kubva pamapepa kusvika kune zvinyorwa zvemagetsi kuitira kuti usakwanisa kubata mairi uye kudiwa kwekubvisa mafaira mubhadha shred.
Isa Mari Yako Kukutanga Muna 2018 uye Beyond
Kunyange zvazvo chisarudzo chako kuenda kumitambo yezuva nezuva chingasvika pasi, izvi zvisarudzo hazvitsvaki nguva refu. Kana iwe uchigona kusarudza rimwe pavhiki, mumwedzi isingapfuuri miviri mari yako inenge iine humiro yakakura yegore idzva. Kana iwe uchikwanisa kuvadzvinyirira nekugogodza ivo nokukurumidza, kana kuti vanoda nguva shomanana, ndizvo zvakanaka zvakare. Chero zvaunenge uchiita, usakanganwa mazvikwereti ako. Ita chirongwa chekuita nekuvandudza mararamiro ako gore negore. Iwe pachako iwe pachako uchakuonga.