Usashandise Imba Equity Kuti Ubhadhe Mberi Makadhi Makadhi
Pasina nguva yakareba kare uchishandisa kuenzana mumba mako kubhadhara zvinhu zvose kubva pamabiko ekugadzirisa chikwereti kwakatsamwa. Papepa, inowanzoita semafungiro akanaka nokuti iwe unokwanisa kuisa mune imwe mari yakavanzwa pamutengo usingakwanisi wekutambira. Uye kana zvasvika pakubatanidza kadhi rechikwereti chikwereti izvi zvinoratidzika semusina-brainer. Kana iwe ukakwanisa kubvisa makadhi ose e-interest uye uite imwe kubhadharo imwe chete ine madiki akanaka pasi iyo ingadai iri chinhu chakanaka, chakanaka?
Kwete nekukurumidza. Dambudziko guru nenzira iyi rine chokuita nekusiyana pakati pekwereti isina kuchengeteka. Marikiti yemakadhi haatombochengetedzwi kureva kuti hapana kubhadhara kutsigira kadhi. Kana iwe ukakundikana kubhadhara kadhi rako rechikwereti iwe unogona kuisa maunganidzi ekuunganidza uye kukanganisa kune chikwereti chako, asi iyo inenge yakadini.
Kana tiri kutaura pamusoro pekubhadhara mari kana kukwereta kwemotokari tiri kusangana nemari yakachengetedzwa.
Izvi zvinongoreva kuti pfuma inoshandiswa inoshandiswa sechikwata chechikwereti. Zvino kana iwe ukakundikana kubhadhara bhangi iri kukutorera imba yako. Kana iwe usingakwanisi kubhadhara chikwereti chekuwana chikwereti kana mutsara wechikwereti iwe unogona kumanikidzwa kutengesa imba kuitira kuti bhanhire rinogona kuwana mari. Sezvaunogona kuona, kana iwe uchishandisa chikwereti chekuwana chikwereti kubhadhara kadhi yako yemakadhi iwe unongotengeswa chikwereti ichocho chisina kuchengetwa chekwereti yakachengeteka uye iwe unogona kurasikirwa neimba yako kana iwe usingakwanise kuchengeta zvikwereti.
Usapindira Muzvako 401 (k)
Kana iwe une 401 (k) hurongwa kubasa pane mukanano wakanaka wekuti unobvumirwa kukwereta kubva kune iyo nechikwereti . Izvi zvikwereti zvinowanzoita semafungiro akanaka nekuti uri kungokwereta imwe yemari yako uye uchiripazve munguva. Saka, iwe unogona kubhadhara mari nemitemo inonakidza, kubhadhara chikwereti chako chakanaka, uye mumakore mashomanana ako 401 (k) akazadza zvakare. Zvakare, zvinoratidzika semagadzirirwo akanaka pakutanga, asi kune zvakawanda zvezvinetso nehana iyi.
Chokutanga pane zvose, mari iyi inorehwa kubhadhara uye inoda nguva yekukura. Kana ukakwereta mari kubva purogiramu yako yekusarura iwe uri kunyanya kuitora kubva pane zvose zvakasimwa uye kushayikwa pane zvingave zvichida kufarira kana kukura izvo zvingave zvisina kumboonekwa. Kunyange kana zvisingaiti sechinhu chikuru panguva iyo inogona kuva nemigumisiro yakawanda munguva refu.
Zvimwe zvinhu zvaunofanira kufunga ndezvizoitika kana ukasiya kana kurasikirwa nebasa rako. Kazhinji yenguva idzi zvikwereti zvinoda kubhadharwa zvakakwana mukati memasikati makumi matanhatu kusvika ku90 mushure mokupera. Kana iyo chikwereti isingabhadharwi zvakakwana ichabatwa sekuparadzirwa. Kugoverwa kunokweretwa uye kana uri pasi pezera remakore 59.5 vari pasi pekuwedzera kwe10% kubva pakutanga kutora chirango.
Izvi zvinogona kukusiya iwe uchibhadhara IRS 30% kana kupfuura pane chikwereti chako. Ouch! Izvi zvingaguma nemutero usingatarisirwi mutero wezviuru zvemadhora.
Kana iwe uine makore 401 (k) kubva kune rimwe basa rakapfuura uri kuedza kuirima uye kushandisa mari yacho kubhadhara chikwereti. Zvakare, nokuita izvi iwe uri kuisa kusarura kwako pangozi nekuderedza mari yakawanda yawakapa uye kushanda kukura. Kwete izvozvo chete, asi mimwe mitero uye zvikwereti zvaizoshanda saka iwe unogona kunge uri kukanda 30% yemari yako kure.
Nzira Dzakanakisisa Yokubhadhara Chikwereti
Paunenge uchishandisa kuenzana mumba mako uye kuparadza chikafu chako chokubvisa chikafu haisi nzira dzakanakisisa dzokubhadhara chikwereti kune zvimwe zvakawanda zvezvimwe nzira dzakanaka.
Chokutanga, tanga bhajeti . Chinhu chimwe chete chakanakisisa chaunogona kuita kuti ubatsire kubhadhara chikwereti chako ndechokuita bhajeti chaiye inosunungura mari yakawedzerwa iyo inogona kushandiswa kune yako kadhi rechikwereti.
Pane mari yakawanda mune mari yako yaunofunga kupfuura iwe unofunga, saka tsvaga nzira dzekuwana imwe yeiyo yakavanzwa mari .
Zvadaro, unofanirwa kuita zvinopfuura mwero unotora mwedzi woga woga. Paunenge uchitenga mari shoma pane yako kadhi rechikwereti uri kuita zvishoma kudarika kubhadhara mari yemari. Izvi zvinoreva kuti uri kubhadhara chikwereti ichi kwemakore mazhinji.
Pakupedzisira, iwe unofanirwa kurarama pasi pezvinhu zvako. Kana iwe ukazviwana uri muchikwata chekwereti chikwereti pane mukana wakanaka wekuti iwe uri kurarama kupfuura zvaunogona kutenga. Nokutsvaga mararamiro anoda kushandisa mari shoma pane iwe kuita kuti iwe uve zvakanaka munzira yako kuenda mune zvemari kuchengeteka.