A Low Risk / Return Return option
Zvitatimiti zveDhipatimendi
CDs inotengeswa zvakanyanya zvakachengetedza zviripo kubva kumabhangi uye zvikwereti zvemari .
Vanobhadhara chikwereti pamari yako, uye vanowanzobhadhara zvakawanda kupfuura zvaunogona kuwana mune imwe nhoroondo yekuchengetedza. Kuti uwane mari yakakwirira, unofanirwa kusiya mari yako isina kutaurwa munhoroondo iyoyo kweimwe nguva yenguva (yakadai semwedzi 18 kana makore maviri).
Mukutsinhana kwekuzvipira ikoko, bhangi rako rinopa mari yakawanda. Asi zvakadini kana iwe uchida mari yako nokukurumidza? CDs dzinowanzokubvumira kubvisa mari yako nguva isati yasvika, asi iwe unowanzopiwa mhosva yekuregererwa kwekutora chirango . Zvisinei, mamwe maCD ndiwo maCD emvura , achikubvumira kudhonza zvimwe kana mari yako yose kubva kare pasina chero chirango. Ramba uchifunga kuti pangave pasina kupiwa chirango kubva kubhangi, asi unogona kubhadhara mitero kana zvikwereti kune IRS kana ukabvisa mari kubva kuIRA.
CDs inoshandiswa kwekutsvaga mari: iwe unosarudza nguva yaunofambidzana nayo uye iwe unonyatsoziva kuti uchawana mari yakawanda sei. Iwe unogonawo kuwana mazano akawedzerwa uye anoshandiswa akadai seCD makatarisi ekugadzirisa shanduko mumitengo yemari uye zvingada kukosha kwemari.
Mumwe Nomudzimai Anotora Chikwereti
IRAs rudzi rwekambani yakagadzirirwa kuchengetedza mari. Vanopa humwe rubatsiro rwemitero (iyo inouya ne tradeoffs, hongu), iyo inogona kutarisira kukubatsira iwe kuvaka mamwe ekurasira:
- Mipiro inogona kunge iri mutero deductible (zvichienderana nemari yako uye rudzi rweIRA unoshandisa)
- Inhare inowanikwa mukati memabhuku yacho inogona kudzivirirwa kubva pamitero yemazuva ano (kana mutero usingabhadharwi, zvakare zvichienderana nemhando yeIRA yaunoshandisa)
Kune miviri miviri yekutanga yeIRAs: Traditional and Roth. Nezve tsika dzeIRAs, une mukana we (unogona) kubvisa mupiro wako - chengetedza nemutengi wako wekugadzirisa mutero kuti uone kana iwe unogona kukwevera. Gare gare mukurasira, iwe unofanira kubhadhara mutero wemari kune avo vanobvisa. NeRoth IRA, zvipo zvako hazvibvumi. Zvisinei, iwe une mukana we (unogona) kubvisa mari yako pasina mutero wemutero - uchifunga kuti iwe unotevera mitemo yose ye IRS uye ugamuchira chibvumirano kubva kumutengi wako wekutengesa.
Mukutsinhanisa kupa humwe rubatsiro rwemitero, panewo tambo dzakabatana neIRAs . Mune zvimwe zviitiko, kana iwe uchikwevera mari yako pakarepo, unogona kubhadhara mitero yakawanda yemitero. Iva nechokwadi kuti unonzwisisa mitemo usati waisa mari muIRA.
Kushandisa CDs Muchikamu cheIRA
IRA isiri yeropa rinokubvumira kushandisa michina yakasiyana-siyana yemitengo - CDs inongova chinhu chimwe chete. Saizvozvowo, unogona kuva nemabhuku kunze kwemakosheni ako ekurega basa: unogona kuvapa ivo pachavo, kana kubatana nemumwe wako, somuenzaniso.
A CD IRA ibhuku rekusunungura iro rakazara zvachose muCD.
Iyi ndiyo nzira yaungashandisa kana iwe uri mubhadhari anochengetedza uyo anoda kuve nechokwadi kuti hausi kurasikirwa nemari mumatengesi ezvitoro. Kufunga kuti bhangi yako (uye yako mari) ndeyekuchengetedzwa kweDICIC , une chirongwa chehurumende chokuti iwe haungarasikirwi nemari munyaya iyoyo.
NeIRA yako inotengeswa muCD, unogona kutarisira kuwana zvishoma kudarika iwe waunowana kubva kubhuku rekuchengeta. Izvozvo zvishoma zvinobatsira, asi zvingasava zvakakwana kuti zvikubatsire kunze kweplation pamusoro penguva refu. Zvichienderana nezvido zvako nezvinangwa zvako, zvingave zvakakodzera kutarisa kune mamwe marudzi emari. Taura nemunharaunda yako, ane chirongwa chemari chekubhadhara mari kuti uwane zvakakunakira iwe.
Kushandisa maCD (kana kwete) muIRA haisi chinhu chisiri-kana-chena. Iwe unogona kuva nema CD uye mamwe marudzi emari.
Zvinokosha: mitero yemitero yakaoma, uye mitemo inochinja nguva nenguva.
Taura nemunhu anokwanisa kubhadhara mitero usati waita chero zvisarudzo pamusoro pezvaunofanira kuita (kana kwete) nemari yako.