Nzira yeMari Chikwereti Inoshanda Sei
Paunenge uzarura nhoroondo yejeri nemutengi wako, ramangwana mutengesi, kana mutengesi broker, iwe unonyatsovaudza kuti, pane imwe nguva, unogona kukwereta mari kwavari.
Iwe unoita izvi nekupikira mari uye kuchengetedzwa kwekuchengetedza muakaunti yako sekutora chikwereti chemari. Kana ukakwereta mari yekutenga zvigumisiro, mutengesi anogona kutengesa zvimwe zvinhu zvako kana zvichidiwa kugutsa chikwereti chako chemari, iyo ingangova njodzi inotarisira kuitika.
Kana bhadha rako rekutsinhanisa risina kukosha kwakakwana kugutsa chikwereti chemajeri, iwe unobvumirwa nemutemo kuti uuye nechikwereti chose chakasara. Izvi zvinoreva kuti iwe unogona kurasikirwa nemari yakawanda kupfuura mari yawakachengetera muakaunti yako.
Pane njodzi dzinokosha kutenga zvigadzirwa nezvimwe zvivimbiso pamuganhu, kunyange iwe uchifunga kuti inowedzera mari yekuchengetedza. Chero nguva yaunenge uchitengeserana mumuganhu , iwe wakazivisa kukwanisa kwekudanwa kwemajeri. Kunyanya, kushevedza kwemajeri kunowanikwa apo kudiwa kwakakosha maererano nekwereti muakaunti yako kwakawira pasi pemamwe mimwe miganhu, uye mutengesi anoda kugadziriswa pakarepo, kana kuisa mari yakawedzerwa, kuvhara zvigaro, kana kusanganiswa kwemaviri.
Chii Chinoita Kuti Mazita Awedzere?
Aunti yako ingangodaro yakawira pasi pemirairo yekutonga inokonzera chikwereti chemajeri, zvichienderana nokuchinja kwemafaji emari kana kuchinja kwevatongi. Federal Reserve Regulation T inoita kuti zviitike kuti bhenji guru rehurumende riite zvisungo zvishoma zvemari chikwereti-ku-equity zvinodiwa, senzira yekudzivisa zvakanyanya kudarika-kubvumira uye kufungidzira.
Semuenzaniso, mitemo yemazuva ano inotaura kuti kana uchitarisana nematokari kuNew York Stock Exchange, akakwereta anofanira kuva ne50 kubva muzana akaenzana nenguva yekutenga uye anofanira kuchengeta, nguva dzose, anenge 25 muzana akaenzana mubhuku ravo.
Somuenzaniso, kana wakanga uine $ 100,000 munyaya yekutsvaga mari, unogona kubhadhara imwe $ 100,000 pamuganhu, uchitora mari yako yose ku $ 200,000 yehafu yehafu chikwereti uye hafu yekuenzanisa. Iwe unogona kunge usina kutarisana nekutarisa kwemajeri kusvikira kubhadharana kwekambani yako yakaderera ne 33.33 muzana kusvika ku $ 133,333, panguva iyo chikwereti ($ 100,000) chaizove chikamu chezana chezana chetengo rekodhi ($ 133,333) pamwe chete ($ 33,333) iyo inosara. Mimwe mitemo ine chikwereti chema margin ichiripo, yakadai semiganhu yezvikwereti zvisingasviki nechiyero chei ($ 2,000) kana kana kutengesa kunonzi penny mashizha .
Iwe unogona kuzviisa pasi pekudanidzira kwemajeri kana bhadha yako yekutengesa ikashandura marongerwo ayo ekugadzirisa kweakaunti yako. Zvinogona kunge zvisingachagoni kukufungidzira iwe njodzi yakanaka, nekuda kwekuchengetedzwa kwakachengeteka iwe pachako, kana inofunga kuti kuisa kune ngozi kune iyo, kana imwe nhamba yezvimwe zvikonzero, hapana chimwe chinofanira kuva chakarurama kana kushandira zvakanakisisa zvako.
Semuenzaniso, mahofisi akawanda ekubhadharisa mari anoshandisa mararamiro ekuchengetedza maringe akawanda kwazvo kudarika mitemo ine mitemo.
Mabhengi haadi kuve pachikwereti chekubhadhara mari yausingakwanisi kuripa kuitira kuti mukuru wekuchengetedzwa kwekodzero kuwanise kurasikirwa, zvakachengeteka ndezvavo uye vadzidzisi vavo, vagoveri, uye vateresi. Nenzira inobatsira, chikwereti chemahombekombe chiripo pakuziva kweimba yekutengesa uye vanogona kuda kubhadharwa chero nguva, pasina kukupai chiziviso.
Apo mamiriro ezvinhu anowanika umo iyo nhoroondo yako isisina chikamu chakanaka-chekuita chikwereti chinodiwa nemutengo wekodzero weimba yomukati wemukati yekuchengetedza kwemajeri kana izvo zvinongororwa semitemo shomanana neFederal Reserve, mutengesi anotaura mutsara wokumhanya.
Chii Chinoitika Kana Iwe Wakawana Mutsara Wokumhanya
Nhamba yekudanidzira inowanzobudiswa mazuva ano nekuisa bhanhire guru kana chiziviso pawebsite iyo apo mutengesi kana mumiririri wechirangaridzo mukati kuti aone kuti akaunti yake yakaenzana.
Vamwe vatengesi vanopa zviziviso kuburikidza ne email, foni, kana kutumira mameseji. Kana mutengesi asinganetseki nezvemari yako, inogona kukupa nguva yekuisa mari itsva kana kuchengetedzwa kwekuchengetedza muakaunti yako, kuwedzera kukosha kwehutano kune imwe nhamba yakatarwa inogamuchirwa kana nemitemo yekodzero yemukatikati kana mitemo inoshanda.
Kana zvisina kudaro, vamiririri vekutengeserana vanogona kutanga kutengesa zvigaro zvenyu kuti vawedzere mari yakawanda sezvazvinogona. Mutengi wacho anowanzofarira kuchengetedza mamiriro ake emari uye haadi kuenda shure kwako kuti atore chikwereti. Somugumisiro, uye sezvinotsanangurwa mubvumirano yako yebhuku, hazvisi pasi pekuzvisungirwa kukupa nguva yakawedzerwa yekusangana nekudanwa kwemajeri kana kukubvunzurudza usati waisa zvinhu mumari yako kuvhara chero chikwereti chemari. Mutengi wako anokwanisa kusarudza kutengesa zvivimbiso zvako zvakakosha, achikusiya nematambudziko makuru emitero , zvichiita kuti uwane mari yakawanda inowanikwa iwe, zvinopesana nezvido zvako.
Mutengesi wako anogona kutengesa zvikwereti zvako zvisingaverengeki kana zvisungo panguva yakaipisisa, zvichikusiya iwe musarudzo munyaya yacho, kuvhara zvachose mukurasikirwa kwako. Havatombofaniri kukushevedza pafoni kana kukupa mukana wekuita pakutanga, kuitira kuti urege kuwana mukana wekugadzirisa mamiriro acho ezvinhu kunyange kana mari iripo kwauri. Pawakazarura kondomu yako, iwe wakasaina chibvumirano chebhuku icho chakanyora zvinyorwa zvemajeri zvakajeka, naizvozvo unofanira kurarama nemigumisiro.
Chii Chinoitika Kana Iwe Usingakwanisi Kuonana Nomutambo Wokumhanya?
Kukosha kwemajeri kudana, kunyanya kana kunotungamirira kune zvikwereti zvausingakwanisi kubhadhara, hazvikwanisi kuiswa pasi. Kana iwe usingakwanisi kusangana nemutambo wepakati, uye zvinhu zvatove zvichisvibiswa mu-akhawunti yako kuti udzorere chikwereti, uchaona kuti chikwereti chakasara chinova chikwereti chisina kuchengetedzeka chakanga chisipo. Pakati pezvimwe zvinhu, zvinogona zvachose kuti zvinotevera zviitike:
- Chikwereti chichazoonekwa kune masangano ekubhadhara chikwereti, kuita kuti kukwereta mari kuoma sezvo zvichabatsira chikwereti chako. Uyezve, kuvapo kwaro kunogona kuita kuti vamwe vako vakakwereta kubvisa kuwana zvigadzirwa zvavo (semuenzaniso, kambani yekadhi yemakadhi inovhara akaunti yako) kana kusimudza chikwata chekuda iwe chaunenge waita sechikanganiswa kune ngozi yakawanda yawakamirira iye zvino. Kana iwe uine zvikwereti zvebhizimisi kana zvimwe zvikwereti zvinobvumira kukurumidza kukura kana zvichiitika kuchinja kukuru mune zvemari yako, iwe unogona kuwana chikwereti chose chakweretwa pane zvikwereti, zvakare.
- Zvose zvinokanganisa zvinogona kukurudzirwa uye, mune mvumo iyo inobvumirwa, unogona kuwana inshuwarisi yemari yako pamba pako, motokari, kana imwe mitemo inowedzera zvakanyanya sezvaunofungidzirwa kuti hauna kukodzera. Uyezve, unogona kuwana zvakaoma kuti uwane basa idzva sezvo mamwe masangano achibvumira makambani kuti afunge nezvekwereti yemakorori sekuratidzira kwebasa uye kukwanisa.
- Iyo mutengesi achakupa mhosva pamusoro pako achida kubhadhara patsva, kusanganisira mitemo yemutemo. Mishonga inowanika inoenderana nemitemo yakatarwa yehurumende asi inogona kusanganisira kukumanikidza kuti ubudise pachena mamiriro ako ese emari kusanganisira mari, mari, uye zvikwereti pasi pechipika, uye uine mabhengi ebhangi uye imwe pfuma yako yakachengetwa kana kubatwa, kusanganisira kuisa zvivako zvemaimba zviri kutengeswa.
Muzviitiko zvakawanda, zvakanakisisa zvingangodaro ndezvekutora mari zvisinei iwe unogona uye kubvisa chikwereti mukati memazuva, kunyange kana zvichireva kutengesa zvimwe zvinhu zvakadai semotokari kana midziyo. Zvichida, iwe ungasarudza kutaurirana nekukurumidza sezvinobvira neanopomerwa gweta. Kana kuisa mafaira ndiko kwakakodzera, vangakukurudzira kuti uzviite nokukurumidza kupfuura gare gare.
Somuenzaniso, mune dzimwe mamiriro ezvinhu, unogona kusarudza kugamuchira marwadzo ekuputsa uye kuchengetedza mari mukati memakore 401 (k) , 403 (b) , Roth IRA , kana imwe hurongwa hwekurega basa, sezvavanowanzosvika kune vanokwereta. Kana iwe ukavhara maakare aya kuti usangane nematare edzimhosva, iwe uchasangana nemitero yakawanda pamwe chete nemamwe 10 muzana chirango chemutero , ipapo uchazivisa bankruptcy, chero zvakadaro, nokuti mabhadharo ako akaregererwa mari haana kukwana kubhadhara chikwereti chose.
Nzira Yokudzivisa Mazita Mazita
Iwe unogona kudzivisa kumhanya kwemajeri munzira mbiri dzinokosha:
- Vhura "mari chete" yekodhi pane yako yekambani yekwereti. Kunze kwokuva zvishoma zvisingakanganisi, zvinoreva kuti iwe haugoni kuunza chikwereti chemajeri nokuti zvikwereti zvinofanirwa kubhadharwa zvakakwana, mumari, nenguva yekuwana. Kana iwe uchida kushandiswa mukati mekodha yemari, iwe unogona kutamba nemari yekutsvaga sezvikwereti zvezvikwama zvakabhadharwa zvizere kana zvitatu zvitatu zveEF . Semuenzaniso, panzvimbo pokuderedza chikwata, unogona kutenga zvisarudzo panzvimbo yematoro panzvimbo. Ita zvisarudzo zviine ngozi dzakasiyana-siyana nekutengeserana-asi, asi iwe unogona kurasikirwa ndeye 100 muzana yemari yawakashandisa pamutengo wekuisa.
- Ingotora zvigaro izvo zvine maonero, kurasikirwa kukuru uye kuchengetedza mari iyoyo, pamwe ne10 muzana kana 20 muzana mutsara wekufarira kana zvimwe zvingatarisirwa, muDFC-inshurensi yebhangi inobhadharwa kana mubhadharo reUnited Treasury. Nenzira iyo, pasinei nokuti chii chinopera, iwe unoziva kuti unogona kuvhara chakaipa-chengetedzo chekubhadhara. Yeuka, zvisinei, kuti mutengesi wacho haagoni kukupa mukana wekutarisana nechepamusi kana iwe uri kukwana zvakakwana, uye unogona kukonzera nzvimbo dzako usati wasangana.
Iwe unowana kuti unowana mushonga mutsva uri nani kubva kubhangi yega yega kana mubasa rese-service kupfuura iwe unenge uchida kutengesa brokerage. Kana iwe wakanga uine kudanwa kwemajeri asi kwaive madiki muzana wematare ako akakodzera, uye iwe wakanga uine mari yako yakawanda yakakosha kana iwe wakamira mubhangi yega yega yakashandira zvido zvako zvekutengeserana, bhengi wega wega angawana nzira yekurega kuva nekutora kwako kutengeswa kana kukuvhiringidza nekukupa ruregerero runhare.
Mabhengi haafaniri kukuzivisa iwe, saka usambofungidzira kuti ivo vachaita, asi zvinokwanisika havadi kurasikirwa nekambani yakakosha anokwereta mari yakawanda yebhadharo pamusoro pemari yakawanda. Iwe haugoni kuwana ruremekedzo runosvika kubva kunotengesa broker, uchishanda se-self-self-account, saka nyanya kunyanya kana uri kushanda uri woga.
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi kusanganisira mukana wekurasikirwa.