Kana zvichikwanisika, dzivisa zvikwereti nekuzvipira mhosva.
Sei Makambani Anotengesa Mari Yokudhura?
Mari dzakawanda dzinotakura mari yekuzvipira, zvakadai seB-share mutual funds, annuities, uye inshuwarisi yehupenyu hwose, kubhadhara mitemo yevanhu vanozvitengesa izvi. Kambani inounza kubhadhara inotora mari (commission) iyo yaibhadhara, kuburikidza nemari yekunze mukutsvaga.
Kana iwe uchitengesa kubhadhara kwemakore asati apfuura, mukati mekubhadhara hazvizove zvakakwanira kuvhara mari yekhomheni yakabhadharwa, uye kambani yekutsvaga inopedzisa kurasika mari. Kuti ave nechokwadi chokuti izvi hazviitike, kambani inobhadhara ichabatanidza kubhadharwa kwekutsvaga.
Munyaya yekubhadhara mari, dzimwe nguva unoona kupiwa kwekanguva kwenguva shoma kana mari yekudzikinura iyo inoshandiswa kana iwe ukatenga uye wotengesa kushandiswa mukati me30, 60 kana 90 mazuva. Somuenzaniso, chikamu chekudzikinura 1% chinogona kushanda kana iwe uchitengesa zvikamu mukati memazuva makumi matanhatu uchizvitenga. Izvi ndezvokuvhiringidza vanhu kuti vasashandise hutano ihwohwo kwezvinangwa zvenguva pfupi yekutengesa.
Ndeapi Mhando Yemiti Inobhadhara Mitero?
Mitero yekudzorera mari yako yakawanda neyakaderedzwa annuities (yakadai seyo yakagadzirika, yakasiyana uye inoratidzira annuities), inshuwarisi yehupenyu hwose, uye B-share mutual funds. Kupa mhaka kunogonawo kudanwa kunowedzera kutengesa kutengesa mutengo, kana mutoro wekupedzisira.
Inguva Yakadii Unofanirwa Kuva neInvestment Kudzivirira Mari?
Kupa mhosva kunogona kusiyana kubva munguva shomanana kwemazuva makumi matatu ekubhadhara mari, uye kwenguva yakareba segore rimwe kusvika kumakore gumi namashanu pakureba kwe annuity nemishonga yemishuwarenzi. Kune annuities uye inshurensi yehupenyu, kazhinji mari yacho inotanga yakakwirira, yakadai sekubhadhara 10% mubhadharo kana iwe uchibhadhara mari yako yegore mugore, iyo inowedzera kusvika kune 1% mubhadharo kana iwe uchiirima mukati megore repfumbamwe, uye pasina mari yekuzvipira kana iwe uchitengesa iyo mushure mekunge wava nemakore gumi kana kupfuura.
Ichi ndicho chimiro chakajairika chaunoona pane annuities yakasiyana. Kana iwe uchifanira kutenga mari mu annuity yako kana inshuwarisi, chengetedza kuti hausi mazuva mashomanana kubva pamusi wezuva.
Vari Kuendesa Mhosva Zvinokuvadza Here?
Sezvo mutemo wehuwandu hwechigunwe, usapinda mari yekuzvipira. Upenyu hunochinja. Tsvaga mari inokupa iwe kuchinja, uye ugare kure nemari inowedzera mari yako kwenguva yakareba.
Sezvo nemhando ipi zvayo yekutonga kwechigunwe, pane nguva dzose zvisizvo! Kune yakakwirira ye annuity nemishandiro yveshuwarenzi yeupenyu inogona kukodzera iwe, kana iwe ukatenga uye uine yavo kwenguva yakareba.
Kana iri inshuwarisi yehupenyu nemugove wekuzvipira, saka usati wautenga, ziva kuti nokuda kwekutenga uku kushanda kune yako nguva refu inobatsira, iwe uchada kuva nayo, uye ubhadhara mari yemari, kwenguva yakareba. Iva nechokwadi chokuti iwe uchakwanisa kubhadhara miriyamisi kunyange iwe waizotambura nekurasikirwa nebasa.
Kana iri mwaka wekugadzirwa nemupiro wekuzvipira, ita nechokwadi kuti zvikomborero zvinopfuura kushayikwa kwemari uye kuchinja.
Kana uri kutsvaga mazano ezvemari, iwe unogona kufunga kushanda nemutengo-wega wezvigadziri wemari , sezvo asingakwanisi kubhadharwa kubva kutengeswa kwekutsvaga kwekutsvaga kana zvigadzirwa zvemishuwarenzi.