Aya mazano emari anofanira kunge ari ruzivo rwakawanda asi haasi.
Vhura Account HSA Pane nzvimbo yeIRA
Nhoroondo yeHSA kana kuti yehutano inochengetedza hutano inofambidzana nehurukuro yakakwirira yeinishuwarenzi, naizvozvo haisi imwe nzira yevanhu vose.
Asi kana iwe uchinge uine dhigirii yakakwirira, zvingave zviri nani kubhadhara HSA yako gore negore panzvimbo yeIRA yako. Sei? Nemhaka yokuti mari yako inotora mubhadharo-inoderedzwa uye inobva kunze kwemitero isina mari yakakodzera yezvokurapa, uye mari yekurapa inonyatsonaka pakurasikirwa. Asi kana iwe ukashandisa IRA zvikwereti, mari yaunotora inotengesa.
Tora Pension Yako Segore Rakawanda, Kwete Bundu Sum
Hazvisi zvakaoma kuti uite pepanheti rakakosha kuti ikubatsire kuona kana iwe uchifanira kutora pensheni yako semari yemari kana kuti nenzira ye annuity payments . Zvinogona kuva zvakaoma kuunza mari yakafanana yekuchengeteka, yekusingaperi mari pamwe nemari yakasarudzwa iyo yekusarudzwa kwegore negore inogona kukupa iwe.
Iwe unogona kufananidza zvinogona kuitika kune zvose zvingasarudzwa pamusoro pekutarisira kwoupenyu hwako kuti uite chisarudzo chinangwa. Purogiramu imwe neimwe ichasiyana, saka hapana humwe hukuru-hunoenderana-yose mitemo. Iwe uchafanirwa kuongororwa zvichienderana nekusarudza kwako mari yepensheni, makore ako, uye mararamiro ako.
Usarega munhu upi zvake achikukurudzira kuti pfuma yemari yakanyanya kunaka kusvikira wapedza masvomhu.
Roth IRAs Inofanirwa Kuona Chechipiri
Roth IRAs inogona kunge iine mari inonyanya kuzivikanwa nevanhu nokuda kwezvikonzero zvakawanda. Iwe unogona kubvisa zvipo zvepakutanga panguva ipi zvayo pasina mutero kana chirango. Mari iri mukati meRoth inokura musero.
Paunotora zvinhu, Roth kugovera hazvirevi mune mamwe mafomu emitero, saiye anogadzira kuti zvekuchengetedzwa kwako kweSocial Security inotengesa sei kana iyo inotarisa kuti mari yePirumisi yeBreatare B inobhadharwa sei. Kusiyana neIRAs yenguva dzose, haudi kutora kugoverwa kubva kuRoth pazera 70 1/2. Tsvaga kana iwe uchikodzera kugovera Roth IRA kumusoro uye kupfuura kudarika kwevashandi vanofananidza iwe unogamuchira, kana kana waunoshandira achipa Roth 401 (k) sarudzo .
Shandisa Index currency
Iwe unogona kushamisika kuona kuti pane chinhu chimwe chete chaunogona kutarisa nacho kuti ugare uchiwana mari yakanakisisa inobatanidza mari . Ndiyo mari yekubhadhara. Mari nezvikwereti zvakaderera zvinowedzera kukanganisa mari yakakwirira yepamusoro, uye kuratidza mari kune mamwe emari yakaderera mumhizha. Sei uchibhadhara zvimwe zvebhasikiti rimwechete rezvikwama kana zvisungo apo iwe unogona kuvapa zvishoma?
Cancel Your Life Insurance Policy
Inishuwarenzi yehupenyu inokosha kana mumwe munhu achivimba nemari, asi mari yako uye iyo yawakaroorana naye yekusasa mari inogona kuchengetedzwa zvisinei kuti chii chinoitika apo iwe uri pedyo nekurasikirwa. Iwe unogona kunge usingadi inshuwarisi yehupenyu panguva ino kunze kwekuti iwe uchida kupa mumwe munhu mushure mekufa kwako.
Zvakanaka, asi zvakakosha kuziva kuti sei uri kubhadhara chimwe chinhu uye kusarudza zvakanaka kana zvakakosha kushandisa mari.
Tenga Izvibvumirano, Kwete Iko Yakagadzikana Annuity
Ini zvisungo ndezvimwe zvakasiyana kune ma CD, mari yemari yemari, uye mari yekuchengetedza. Iwe unotora mutero-wakaderedzwa, kufarira kugadziriswa kwezvokugadzirisa kwezvokugadzirisa nehuwandu hwehupfumi pashure pokunge wava navo kwemwedzi gumi nemaviri. Ini zvisungo hazvikwanisi kutengwa mukati mekodha rekwereti kuitira kuti mutariri wezvemari haagoni kukweretesa kwavari kana kuita mari yekuvatengesa. Izvozvo zvingava chikonzero nei musinganzwi pamusoro pavo kakawanda. Pasi pepamusoro: Ini zvisungo ndeimwe yemari yakachengetedzwa yakachengeteka yaungaita .
Social Security Inogona Kuita Mari Yakanyanya Kwauri
Kuita sarudzo inofungisisa uye ine ruzivo pamusoro penguva yekutangira Social Social Security yako inogona kuwedzera "kudzokera" kune yako yose yekusunungurwa mari pane iwe muwani wezano rekutsvaga mari.
Shandisa nguva yakawanda pane Social Security planning uye mamwe maitiro ekugadzirisa zvemari uye nguva shomanana mukutsvaga kwekutsvaga kwekutsvaga uye iwe unogona kupedzisa nemari yakawanda.
Nhandare Inogona Kuve Isingave Yakachengeteka Mukufamba kwenguva
Mazana emagrafu nemasharu anoratidza kuti mashizha haatombogadziriswi kwenguva refu. Misika yemabhizimisi inogona kukwira makumi mana kubva muzana kana kudarika makumi mana kubva muzana munguva yegore, asi kudzoka kunowanzobva kune yakaderera zero kusvika 2 kusvika kune imwe yepamusoro ye10 kusvika ku14 muzana kupfuura makore makumi maviri. Izvo zvinyorwa izvi uye mafirimu asina kukuudza ndezvokuti zvikwata zvingasava nekudzoka kwakakwirira kudarika dzimwe nzira dzakachengeteka kunyange kwenguva yakareba yenguva semakore makumi maviri. Zvichida havasi kuzokurasikirwa nemari, asi izvozvo hazvirevi kuti vachazoita zvisarudzo zvisingabatsiri zvishoma. Vanhu vanofunga kuti mashizha anogara achiratidza kudzoka kwakakwirira kana iwe uine ivo kwenguva yakakwana, asi izvi zvisiri izvo hazvisi zvechokwadi.
Rongedza Zvitongwa Zvako Kuti Uve Mutero Wakawanda-Wakakwana
Vakuru varozano vezvemari vachabata imwe nhauri yako pane kutarisa yose yako majeti ekutsvaga mari. Semuenzaniso, unogona kunge uine 401 (k) uye nhaka yakagarwa, isiri yekusimwa kwekambani inoshandiswa nemudzidzisi. Anokwanisa kutarisira mari yako isina kubhadhara kunze kwekufungisisa yako 401 (k), uye iwe uchawana 1099 gore roga roga iro rinoshuva kufarira uye mari yekutsvaga mari kubva mubhuku iri.
Asi dzimwe nguva imari iyi inogona kugadzirirwa kuti ive yakawanda-inobhadhara mutero . Izvo zvinogona kuita kuti unzwisisire mutero-wakachenjera kuti uwane hutano hwakawanda mune yako 401 (k) nhoroondo uye huwandu hutsva hwekutsvaga mune yako kwete 401 (k). Paunenge uine nhoroondo dzakawanda dzakadai seIRA, 401 (k) uye isiri yekusarirwa mari, kune zvikonzero zvakawanda zvekutarisa kupiwa kwako kwekutsvaga kwekutsvaga pane pane imwe nhoroondo payoga.