Iko mari inodhura kubhadhara uye kuti inoshanda sei mune imwe nzvimbo
Kunyange zvazvo pane kusawirirana pamusoro pehuwandu hunoti mari inobhadhara mari inogona kuderedza misika yemisika , zvinoratidzika kuva kubvumwa kwemashoko kwekuti mutengesi anotevera dhora anodhura hurongwa hwekutsvaga, kutenga uye kutengesa pasinei nemamiriro emisika panguva dzenguva dzose uye / kana yakagadziridzwa madhora kana mugove wemari, inogona kukwanisa kumira kukurira dambudziko rekunetseka kwekuzvivimba kana kutyisa panguva dzenguva yakawanda yemashamba kusagadzikana .
Chaizvoizvo, chakavanzika chedhora chinodhura zvakakosha ndechekuti inobatsira kubvisa manzwiro kubva kune dambudziko rekugoverwa kwemari. Kune vashandi vasina ruzivo, kunyanya avo vari kutenga mabhasikiti ekuchengetedzwa kwezvinhu kana zvinhu zvakadai semari shoma-index index mari , izvi zvingabatsira zvikuru. Muzvokwadi, mufambiro wezvokutengeserana asingafungi unowedzera munguva dzakaoma .
Chii Chinonzi Dollar Chinoshandiswa?
Dhora inodhura kuenzanisa inogona kunyatsorondedzerwa senzira yekufananidzira yekugadzirisa zvakananga mari yakatarwa yemari kana kuwana nhamba yakatarwa yezvikamu zvekugovera pazvishoma zvakatemerwa kuti zvishoma nezvishoma zvigadzire nzvimbo munzvimbo dzakachengeteka.
Izvi zvinoreva kuti, panzvimbo yekutsvaga mari muhomwe yemari, mutengesi anoshandisa nzira yake kuenda mune imwe nzvimbo kuburikidza nokutenga zvishoma zvishoma kudarika nguva yakareba. Izvi zvinopararira zvinodhura zvinopfuura kwemakore anoverengeka uye pamitengo yakasiyana, zvichipa kuvharidzira pamusoro pekushanduka kweramangwana mumutengo wemusika.
Zvinoreva kuti panguva dzekukwira nokukurumidza kwevatengo, mutengesi achava nemari yakakwirira kupfuura iye kana kuti zvimwe zvaizove uye panguva dzenguva dzekugumburwa kwematengo, mutengesi achava nemari yakaderera pane iye kana angave had.
Chirongwa Chekuti Mushandi Anogona Sei Kugadzirisa Dhora Rinodhura Purogiramu Yokugadzirisa
Kutanga dhora rinodhura hurongwa hwehuwandu, mutyairi anoda kuita zvinhu zvitatu zvikuru.
Sarudza chaiyo mari yakawanda yaanokwanisa kuiisa mwedzi wega wega. Zvakakosha kuve nechokwadi kuti mari yakatarwa ndeyekugadzirisa zvemari uye inokwanisika kuitira kuti mari yacho inogona kuramba yakanyatsoenderana nekureba kwenguva, zvisinei, chirongwa hachizove chakabudirira.
Sarudza hutsvaga kana boka rekutsvaga raanoda kubatira kwenguva yakare uye kwenguva refu inotsanangurwa semakore mashanu kana gumi.
Penguva dzose - inogona kuva vhiki nevhiki, pamwedzi, kana kwegore rimwe chete, somuenzaniso - kuisa mari iyo kuti ichengeteke iye yaakasarudza. Kana iye mutengesi wake achizvipa , mutengesi wedu anogona kunyange kugadzira hurongwa hwekudzorera hunoita kuti hurumende ishandise zvishoma nezvishoma pasina mari. Zvinogona kunge zvichikwanisika kuita pasina mutengesi .
Muenzaniso weDhora Rinodhura Purogiramu Yokuenzanisa
Zviri nyore kuratidza kuti makanikiti yedhora rinodhura chirongwa chekuita nekukufamba iwe kuburikidza nemuenzaniso unofanirwa. Fungidzira kuti iwe une $ 15,000 waungada kuisa muzvikamu zve ABC, Inc., kambani inofanirwa.
Zuva racho raJanuary 1. Iwe une zvisarudzo zviviri - iwe unogona kuisa mari yacho sechikwereti ikozvino, famba kure uye ukanganwe pamusoro payo, kana iwe unogona kuisa dhora rinodhura chirongwa chekuita uye kuvhara nzira yako kupinda muchikwata.
Iwe unosarudza wekupedzisira uye unosarudza kuisa $ 1,250 roga roga kwemakore matatu.
Pamakore matatu anotevera, mari yako inotengeswa pamatengo anotevera:
Dhiyabhorosi 1: Hypothetical Dollar Inodhura Averaging Plan
1st Quarter Year 1 = $ 50.00 mutengo, $ 1,250.00 muweti = 25.00 zvikamu zvakatengwa
2nd Quarter Year 1 = $ 40.00 mutengo, $ 1,250.00 inowanikwa = 31.25 zvikamu zvakatengwa
3rd Quarter Year 1 = $ 70.00 mutengo wemari, $ 1,250.00 muweti = 17,86 zvikamu zvakatengwa
4th Quarter Year 1 = $ 50.00 mutengo wemari, $ 1,250.00 muweti = 25.00 zvikamu zvakatengwa
1st Quarter Year 2 = $ 30.00 mutengo wemari, $ 1,250.00 inowanikwa = 41.67 migove yakatengwa
2nd Quarter Year 2 = $ 20.00 mutengo wemari, $ 1,250.00 muweti = 62.50 zvikamu zvakatengwa
3rd Quarter Year 2 = $ 25.00 mutengo wemari, $ 1,250.00 muweti = 50.00 zvikamu zvakatengwa
4th Quarter Year 2 = $ 32.00 mutengo wemari, $ 1,250.00 muweti = 39.06 migove yakatengwa
1st Quarter Year 3 = $ 35.00 pamatengo, $ 1,250.00 inowanikwa = 35.71 zvikamu zvakatengwa
2nd Quarter Year 3 = $ 51.00 pamutengo, $ 1,250.00 muweti = 24.51 zvikamu zvakatengwa
3rd Quarter Year 3 = $ 65.00 mutengo, $ 1,250.00 muweti = 19.23 zvikamu zvakatengwa
4th Quarter Year 3 = $ 50.00 mutengo wemari, $ 1,250.00 mutengo = 25.00 zvikamu zvakatengwa
Kudai iwe wakapa mari yako $ 15,000.00 pakutanga kwekanguva, iwe ungadai watenga mamiriyoni 300 pa $ 50.00 per share. Pakupera kwematengo emadhora emadhora makumi mashanu nemakumi mashanu kubva pamakore ekupedzisira kwegore matatu, nzvimbo yako ingadai yakave yakakosha zvakakwana madhora 15,000.00.
Zvisinei, kuburikidza nekutengesa nguva dzose kwekutengesa kwako mari inodhura purogiramu yekuita, iwe wakaguma uchiita mari ye $ 15,000.00 uye uchingowana mamiriyoni 396.70 sezvo mari yako yakagadziridzwa ye $ 1,250.00 kwekota yakakwanisa kutenga mamwe mashomanana apo mutengo wematengo wakagumburwa uye zvikamu zvishomanana apo mutengo wematengo unofanirwa . Kunyange zvazvo mutengo wemagetsi waiva $ 50.00, iyo yakaenzana yakafanana nemakore matatu epfuura, danda rako rine mari yemari ye $ 19,839.50.
Kuti uitore danho rimwe chete, pasi pebhiridha inodhura mamiriro ezvinhu, danda rako raizoputsa-kunyange pa $ 15,000.00 kana iyo yekutengesa iri kutengesa $ 37.81, iyo inenge 24.38 muzana inoderera kubva pamutengo wokutanga wekutenga.
Ichi chakaitika chakanga chichioneka munhoroondo dze 401 (k) vatengesi vanogara vaine chikamu pamari yavo yekuchengetedza mari pasinei nemamiriro ekutengeswa kwematengesi mumakore akatevera kukoromoka kwemusika wekutengeswa kwegore ra2009. apo misika yakadzoka makore akazotevera, vakakwanisa kufara nemubairo wekutsungirira kwavo nekuraira.
Icho chinonyanya kukonzera dhora chinodhura chikonzero ndechokuti kana iwe ukawana bhorosi remahombekiti, kana uri kuenzanisa mune imwe nzvimbo iyo inowedzera kuwedzera kukuru kwehuwandu, iwe wekuvhara mari yepamusoro ichave yakakwirira kupinda iyo ingadai isina.
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kushivirira kune ngozi, kana mamiriro emari yemumwe mutengesi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.