9 Nzira Dzokuita Kuti Uwane Mushandirapamwe Mari

by Dana Anspach

01 Zvitatimiti zveDhipatimendi uye Zvimwe Zvikwereti Zvisina Kuchengetedzwa

CD ine Certificate yeDhipatimendi yakabudiswa nebhangi. Vanowanzowanikwa FDC uye iyo yakareba nguva yeCD yako, iyo inowedzera chikwereti chaunofarira chaunogamuchira.

Pros: Principal yakachengeteka.

Cons: Iyi sarudzo ichaunza zvishoma zvishoma zvezvino. Mari inopesana nemitengo yemari sezvo CD yakakura uye inovandudzwa. Mari inogona kunge isingasviki nemafashamo. Zvichienderana nezvikwereti zvezvibereko, zvingada mari yakawanda yemari kuitira kuti uwane mari yekubvisa mari yaunoda. Kufarira kubva kuCD kunokwana makumi maviri kubva muzana inotengeswa kunze kwekuti iwe uine CD iyo mukati meIRA kana Roth IRA.

Kana zvasvika pakusarudza pakati pezvimwe nzira dzakachengeteka dzekutsvaga kutenga nguva yekudzidza kuti ingashandiswa sei chikamu cheporofigore yako panzvimbo pezvose zveporofiti yako. Nenzira iyi, unogona kushandisa zvimwe zvikamu kuti iwe uwane mari yezvinhu zvinowedzera kupa mari yakakwirira.

02 Laddered Bonds

Bhandi, seCD, ine zuva rakakura. Unogona kutengesa zvisungo (kana kuti CDs) ikozvino kuitira kuti vakurire mune dzimwe nzvimbo dzakasiyana-siyana apo iwe unogona kunge uchida mari. Kune marudzi akawanda ezvisungo kuitira kuti iwe usarudze hurumende yakachengetedzeka yakabhadhara, kana kuti yepamusoro ekubvumira kubhadhara zvikwereti zvakabudiswa.

Pros: Zvikwereti zvinogona kupa mari yakawanda kupfuura CD kana imwe sarudzo yakachengeteka. Iwe unogona kuenzanisa zvikwereti zvehutano nemari inoyerera inoda. Kana iwe uri pamutengo wepamusoro wemutero iwe unogona kushandisa masisita emasisita ayo angangowedzera mari yausina mutero kwauri.

Mutengo : Mari inowanikwa haigone kuenderera mberi nekutengesa. Zvichienderana nezvikwereti zvezvibereko, zvingada mari yakawanda yemari kuitira kuti uwane mari yekubvisa mari yaunoda.

Kuvaka chikwereti chehutano kunogona kuva kwakaoma kuzviita iwe pachako, saka, zvakakosha kuti unzwisise nzira yekuisa mari pachikwata chisati wasvika usati watenga zvisungo pakarepo.

03 Kugoverwa Kwebato Kuwana

Zvimwe zvikwata (zvinonzi Dividend Artistocrats) zvine nhoroondo yezvikamu zvinowedzera gore roga roga uye imwe sarudzo inowirirana mutual funds inokubvumira kuisa mune boka rezvikwata zvacho kamwechete.

Nzira dzezvekuitika: Nhoroondo, ruzivo ruchamera, uye makambani zvishoma nezvishoma kuwedzera zvikamu, zvichipa nzira yekuwana mari yako kukura nehutsika. Mukuwedzera, makambani mazhinji anokweretesa zvikwereti zvinokodzera zvinowanikwa pamutengo wakaderera pane mari inowanikwa.

Cons: Principal inofananidzwa nekukosha nematengesi anofambira. Makambani anogona kuderedza kana kubvisa zvikomborero munguva dzakaoma.

Inobhadhara kunzwisisa kuti mugove wekugoverwa uripi muchitoro unoshanda usati waenda kutsvaga zvibereko.

04 High Yield Investments

Dzimwe dzimba dzekutsvaga dzinobhadhara zvibereko zvakakura; zvinogona kunge zviri muhutano hwekukweretesa purogiramu yega, mari yekuvhara, kana hutsika-hushoma hukama. Ivai vakangwarira-kazhinji zvibereko zvakakwirira zvinouya nezvengozi dzakakwirira.

Zvinyorwa: Zvakawanda zvekutanga mari inogadzirwa.

Cons: Principal ichachinja ichikosha. Kuzvipira kwepamusoro kwezvibereko kunogona kuderedza kana kubvisa kuparadzirwa kwavo panguva dzakaoma. Kubudirira kwekutsvaga kwepamusoro kunowanzotambudza kupfuura nzira dzepasi dzisingabatsiri.

Kudyara kwekutsvaga kwekurima kunogona kunge kune ngozi. Dzimwe nguva njodzi inowedzera inoisa mari yakawanda muakaunti yako.

05 Kugadziriswa Kwemagadzirirwo Kubva Pakati Pakati Pepodfolio

Nhengo yepodfolio yakagadzikana ine zvikwama zviviri uye zvisungo (kazhinji zviri muchimiro chekubatana mari). Kugadziriswa kwegadziriro kunopa nzira yakakwana yokutengesa mari yakaenzana yezviri munhoroondo iyo gore rimwechete kuitira kuti iwe unogona kubvisa kubva pakero kuti uwane zvido zvako zvekurega mari.

Pros: Kana yakaitwa zvakanaka, nzira iyi inogona kuunza yakawanda yehuwandu hwemari inotengeswa hupenyu. Nhengo inowanikwa inopa kukura kwenguva refu; iyo chikamu chechibvumirano chinowedzera kugadzikana.

Cons: Principal ichachinja zvakakosha uye iwe unofanira kukwanisa kumira pamwe nesarudzo yako munguva dzekupedzisira. Mukuwedzera, pangava nemakore maunoda kuderedza kusununguka kwako.

Nzira yakakosha yepodfolio ndiyo yakaoma kutevera uye inogadziriswa zvakakwana kuti idzivirire kutengesa kwemisika. Dzidza kuwedzera kwekutora mitemo yaunoda kushandisa kupa iyi nzira yakanakisisa yekubudirira.

06 Annuities Immediate

Makambani eInishuwarenzi anobvisa zvibvumirano zvinonzi annuities. Nenguva yakasununguka inoshandiswa kuti uwane chikwereti chemari iwe unowana mari yehupenyu.

Zvinhu zvinowanikwa: Kutsigirwa mari yehupenyu-kunyange iwe unorarama makore zana.

Mutengo : Kuwana mari hakuzofambidzana nehutengo kunze kwekuti iwe uchitenga mutengo wezvigadziriswa wakashandurwa nokukurumidza annuity (iyo inenge iine chikwereti chepamusoro chekubhadhara pakutanga). Kana iwe uchida mubhadharo wepamusoro iwe hauzovi nekutora mukuru, uyewo mumwe mutariri ari kusara achapfuura kune vagari venhaka.

Kushandiswa kwemari kunogona kuva nzira yakanaka yekuchengetedza upenyu hurefu-kubuda kwemari kana uchida mubhadharo wepamusoro unogona kubva pane wako mukuru mukuru. Dzidza iyo ins uye inodzinga annuities yakatangira usati watenga.

07 Inowanikwa Muupenyu Muenzaniso

Iyi nzira inoshandisa chimwe chinhu chinonzi nguva yekugadzirisa nguva kuti uenzane nemari yako nechokuita munguva iyo ichazodiwa. Inopa nzira inonzwisisika yehuwandu hwekuisa mari muhutano hwakachengeteka uye kuti yakawanda sei kuisa muzvikwereti zvinokura.

Pros: Zviri nyore kunzwisisa uye ine mikana yekuratidza mhinduro dzakawanda.

Cons: Muchidimbu chayo, urongwa uhwu hunosanganisira kutora mungozi, asi unogona kugadziriswa kuitira kuti iwe unoshandisa zviwanikwa zvakagadziriswa.

Ndinonyanya kuisa mari yekusununguka uye nzira iyi ndiyo nzira yangu yakasarudzwa yekupa mari yekurasira-ndinoshandisa rudzi urwu rwemhando asi kuzadza zvidimbu nechisungo chechikwata uye kuwedzera mari yemari. Zvikamu izvi zvinogona kuzadzwa mune dzimwe nzira dzakadai seCD, mari yekuenzanisira, annuities, nezvimwewo. Ona mari inowana mari yehupenyu hwekubatanidza nefirimu umo unogona kudzidza zvakawanda.

08 Annuity yakasiyana-siyana neChinhu chakanaka chawanikwa

A variable annuity is contract yakabudiswa nekambani ye inshuwarisi-asi mukati me annuity inokubvumira kusarudza chikwereti chemari inotengeswa pamisika. Izvo izvo kambani yeishuwarisi inopa hupenyu huripo hunobhadhara mari inobatsira iyo inosimbisa kana zvikwereti zvisingaiti zvakanaka iwe ucharamba uchine mari yekubvisa mari.

Zvimwe zvinowanikwa: Kuwana mari yehupenyu inogona kuenderera mberi nekutengesa kwezvokudya kana misika ichikwira. Nheyo dzinoramba dziripo kuti dzipfuurire kune vagari venhaka.

Mutengo: Iva nemari yakakwirira kupfuura dzimwe nzira-uye mari mune zvimwe zvinhu zvinogona kuva zvakanyanya zvokuti iwe unomanikidzwa kuvimba nezvinovimbiswa sezvo zvikwereti zvisingakwanisi kuwana mari yakakwana yekukunda mari.

Ini ndichave akatendeseka, ichi ndicho chandinonyanya kufarira kubhadhara mari yekuita mari. Ivo inishuwarenzi-nemishonga iyi urikusimbisa mari yako yeramangwana-uye iyo inowanzokodha. Zvisinei, kana uchishandiswa chikamu chemari yako, uye apo mitero inoshandiswa mukati, zvigadzirwa izvi zvine IRA zvinogona kukodzera muurongwa hwekubvisa mari.

09 Kubatana Kuchengetedza Asset Allocation Plan

Paunotarisa zvose zvinosarudzwa zviripo, nguva yakawanda iyo yakanakisisa sarudzo chirongwa chinoshandisa zvizhinji zvezvisarudzo zvinokurukurwa. Izvo zvinangwa zvekugara kwekusarudzwa kwemari yekusarudzwa kwekutengeserana kwete kuronga kudzoka-ndeyokuwedzera mari yeupenyu. Icho chinangwa chakasiyana nedzimwe sarudzo yekugovera kugovera mantra yekusimudzira kudzoka nechikamu chimwe chepangozi.

Nzira dzekubatsira: Kubatanidzwa kwezvikamu zvakasiyana-siyana zvepabheti mari inowanikwa mune ino slide show ndiyo inowanzodiwa kuti ugadzire zvakakwana mari yekufambisa pane zvaunoda.

Cons: Inotora basa rakawanda kuti riite pamwe chete, asi maawa ekuronga anogona kuva akakodzera kushanda kwemwedzi nemakore anouya!

Kana uri pedyo nekurasikirwa, chinhu chinonyanya kukosha chaunofanira kuziva ndechekuti kubhadhara mari yekurasikirwa kunoda kuitwa zvakasiyana. Iwe unoda mari yehupenyu-kwete chekutsva chigodo.

Nhasi, unofanira kunge wakagadzirira kushandisa nzira idzi nenzira yakarongeka. Uye nguva dzose yeuka-kuronga haisi ukuru-kufanana-yose nzira. Mamiriro ako akaenzana uye unyanzvi hunofanirwa kuongororwa.