Mazano Mashoma kuChikoro Chekwana Wako Chikoro
Kunyanya kuronga varombo kunoratidzika kubuda kubva kune chido chevanhu chekuita zvakanyanya kufarira kusarudzwa kwekutsvaga kana kuedza nekuwana "chinhu chaicho." Zvose izvi mazano, panguva dzakanaka, kazhinji zvinoguma zvichiita zvinopesana nezvakanga zvakarongwa.
Vabereki vanoisa mazai avo mu "mabhasikiti" aya asingatauriki kazhinji vanozviwana vasina pfupi pamari apo inouya nguva yekubhadhara uye inotanga kubhadhara chikoro.
Kunyange zvazvo zvipikirwa zvekuchengetedza uye kudzoka zvingave zvakanaka, unofanira kufungisisa usati waisa chikoro chemwana wako kuchikoro mune ipi zvayo inotevera inotengeswa.
Life Insurance kana Annuities
Chimwe chezvinonyanya kukanganisa pakugadzira chikoro chekoroji ndeyekushandisa shandhu yehushandi yveshuwarenzi yehupenyu semusana wekutsvaga. Kunyanya, hupenyu hwose uye inshuwarisi yehupenyu hwehupenyu, pamwe ne annuities, kazhinji inowanikwa zvisina kunaka sezvinofanira motokari.
Kazhinji, vashandi veinishuwarenzi vanokukurudzira kuti ushandise chokwadi chokuti inshurensi yehupenyu kana annuities inobvumira mutero-wakatarisa kuunganidza. Dzidziso yavo ndeyokuti kana iwe wakatenga mari imwechete yemari mune imwe nguva yekodha yakabhadhara, iwe unobhadhara mitero gore roga roga pakukura. Nokudaro, kambani yemishuwarensi kana annuity inodzivirira chikoro chako chiri kukura kubva kuna Uncle Sam.
Kunyange zvazvo ichi chiri chikamu chakarurama, vanhu vanokurudzira kushandiswa kwe inshuwarisi yehupenyu vanokundikana kutaura kuti iwe uchatozofanira kubhadhara mutero wemari pane zvaunowana apo iwe uchibvisa mari yacho, pamwe chete nemhosva yezana 10 muzana kana uri pasi pemakore 59 / 2.
Vanokundikana kutaura kuti iwe unogona kuwana zvakanakisa mitero yekubhadhara muChechi yeChishanu 529 kana Coverdell ESA (Dzidzo IRA), ine 1-2% yemari yekugadzirisa gore rose pamusoro peinishuwarenzi kana kuti annuity contract.
Collectibles uye Artwork
Kunyange zvazvo kukoshesa kwekukosha kunobatanidza nemifananidzo uye zvigadziro zvinogona kuve zvakakosha, saka zvinogona kukanganisa. Kusiyana nehomwe kana mari yezvisungo, iyo inomiririra chirevo chechokwadi chezvinhu zvemari chaiyo, kukosha kweunyanzvi uye zvekuunganidza zvinotarirwa chete pamanzwiro evanhu.
Kukosha kwezvifananidzo uye kuunganidza zvinogona kuchinja zvinoshamisa usiku hwose nekuda kwekuti hapasisina vatengi kune imwe rudzi rwechinhu. Nokudaro, ivo vanonyanya kunetseka kune zvinhu zvakadai sefashoni, maitiro, uye kubvumira.
Kunyange zvazvo zvingava zvinonakidza kusanganisa kuonga kwako kwezvinhu zvakanakisisa nekukura kwematare ako akakodzera, izvi zvinofanira kungomiririra chikamu chiduku chepodfolio yako yose, uye hapana yako yekuchengetedza chikoro .
Ndarama Nedzimwe Matsi Anokosha
Kune vanhu vakawanda, ndarama inomiririra kukwirira kwekuchengeteka uye kuchengeteka. Ichokwadi, inooneka, uye yakange iri mukudiwa kwenguva yakareba iyo vanhu vanogona kuyeuka.
Asi, izvozvi zvisizvo zvinoonekwa ndizvo chaizvo zvinogona kuita kuti zvigadzirwa zvinokosha zvive nyore kusarudzwa kwekutsvaga. Mari yekuwana uye kuchengetedza goridhe, kunyanya mune zvishoma zvishoma, inogona kukurumidza kubvisa chero kukoshesa kwekukosha. Kuwedzerwa, kuchengeta ndarama mune yako, kunyange kune yakachengeteka, inogona kuita kuti iwe uve chinangwa chekubata.
Tichifunga nezvekuti ndarama yakangowana 6-7 muzana gore negore pamusoro pemakore makumi maviri ekupedzisira, inoratidzika kuita kuti rudzi urwu rwekutsvaga huve nebasa rakawanda kupfuura zvakakosha. Kana iwe uchinzwa sokuti iwe unoda kutsvaga kune zvigadzirwa zvinokosha, funga kutenga imwe mutero inobhadhara mune makambani ekugadzira migodhi yegoridhe.
High Risk / High Kudzoka Stock Market Investments
Kunyange zvazvo chivimbiso chekukomborera kukuru chiri kuedza, funga kutarisa kwemazvikwereti zvakanyanya-ngozi uye nzira dzakadai sedzakasarudzwa, makambani maduku, uye misika dzemarudzi ose. Chikonzero chikuru cheizvi ndekuti iwe uchava nenguva shoma yekuita zvikanganiso zvekutsvaga kwekutsvaga sezvo kutanga kwekorojiji kwaswedera.
Kunyanya, iwe unofanirwa kudzivisa chero rudzi rwekutsvaga apo iwe "kukanganiswa" kwako kunogona kukanganisa zvachose. Iyi ndiyo mhando nemhando dzakawanda dzesarudzo dzakadai dzisina kufukidzwa dzinoisa uye dzinoshevedza, pamwe chete nekutsvaga mari mumakambani maduku mune zvisinganzwisisiki-nyika yeupfumi.
Your 401k
Kunyange zvazvo 401k yako imotokari yemotokari yekurasikirwa, uye kunyange ine zvikwereti zvekutsvaga zvakakodzerwa nekoroji yako yekoroji, iwe unofanira kuisa kuzviona sechinhu chekoroji yefaji. Kunyange zvazvo hupfumi huripo hunogona kugamuchirwa, mari uye nguva yekuwana mari inogona kuva nengozi yako yakawanda yemari yemifananidzo.
Kune vanhu vazhinji, vana vavo vachange vachienda kuchikoro mukati memakore gumi nemakumi gumi nemakumi maviri ekutora kwavo basa. Kutora kugoverwa kwakanyanya kune izvo vanhu vazhinji vanoita basa rekurega basa rinogona kuvadzosa kumashure kwekona imwe nguva shoma yekuwana. Kunyangwe kutora chikwereti kurwisana nemari yako 401k kazhinji kunokonzera kukura kwezvinhu zviri pasi kusvikira iyo chikwereti ichibhadharwa.
Kunyanya kuipa kudarika chikwereti, ndiro pfungwa yekutora kuparadzirwa chaiyo kubva kune 401k yako yekubhadhara mari yekoroji. Mukuita kudaro, uchabhadhara mitero yeHurumende uye yehurumende pamutero wekuregererwa, uye pamwe ne10 muzana chirango kana uri pasi pe 59 1/2. Izvi zvingatora nyore $ 10,000 kugoverwa kusvika ku $ 5,000 kana pasi.
Summary
Mumakore achangobva kupfuura, hurumende yakakurudzira vabereki kuchengetedza kukoreji nekusikwa kwezvimwe zvikwereti zvakakosha zvekutsvaga zvakadai seChechi 529 zvirongwa uye Coverdell ESA. Mukuwedzera kune zvakanakisa mitero inobatsira inosanganiswa nenhoroondo idzi, unogona kusarudza kubva pane zvakasiyana-siyana zvezvikwereti zvichibva paCD yakavimbiswa kusvika kukura kwechisimba. Usati watarisa kune imwe nzvimbo, shandisa izvi zvingasarudzwa zvakanaka. Vanofanira kuva vanopfuura zvakakwana kukwana nguva yemberi yekoroji mari kana ichibatanidzwa nekugara uchichengetedza.