- Usati watora simba rekutenga kwemari yawakachengetedza
- Kuwedzera kwechikwereti muzvikwereti pane mari yekuchengetedza, zvigwaro zvekuisa (CDs) nemimwe michina
- Mari yekubhadhara "kunzwa" kunodhura kupfuura kwenguva yakareba
Kurasikirwa Kwokutenga Simba
Kutengesa mari kunoita kuti mari isanyanya kukosha. Chigumisiro ndechokuti imwe dollar inotenga zvishoma kudarika yakashandiswa gore negore, saka zvinhu nehutano zvinoonekwa zvakadhura kana iwe utongotarisa mutengo unotaurwa mumadhora. Mari inokonzerwa nehutsika yezvokugadzirisa inogona kuramba yakafanana (kana zvingave isingaiti), asi nhamba yemadhora inotora kutenga chinhu ichiri kuchinja.
Kana iwe ukachengetedza mari yenguva yemberi, unotarisira kuti ichakwanisa kutenga zvishoma sezvazvinotenga mazuva ano, asi hazvisi nguva dzose. Munguva dzemazuva ekukwirira kwepamusoro, zvinonzwisisika kufunga kuti zvinhu zvichange zvakadhura gore rinotevera kudarika zvavari nhasi-saka pane zvinokurudzira kushandisa mari yako iyezvino pane kuichengetedza.
Asi iwe uchiri kudikanwa kuchengetedza mari uye kuchengetedza mari paruoko, kunyange zvazvo kutengesa kwezvinhu kunotyisa kukanganisa kukosha kwekuchengeta kwako. Iwe uchaita pachena kuti unoda kushandisa mari yako mwedzi nemwedzi nemari, uye zvakarewo pfungwa yakanaka yekuchengeta mari yekukurumidzira munzvimbo yakachengeteka sebhangi kana chikwereti chebato .
Nharaunda Dhidha Dzakasimuka
Nhau dzakanaka ndeyokuti chido chekufarira chinowanzosimudza munguva dzekutengesa. Bhengi yako inogona kusabhadhara chikwereti chakawanda mazuva ano, asi unogona kutarisira gore rako rega rega rekuberekwa (APY) mukuchengetera maakaiti uye maCD kuti uwedzere kuwedzerwa.
Mari yekuchengetedza uye mari yemakethe yemari inofanirwa kuenderera mberi inofanirwa kuenderera mberi nokukurumidza sezvo mitengo ichikwira.
MaCD mashomanana (mwedzi 6-12, somuenzaniso) anogonawo kugadzirisa. Zvisinei, nguva yakareba CD mazinga zvingangodaro isingasviki kusvikira zvanyatsojekesa kuti inflation yasvika uye kuti mitero icharamba yakakwirira kwenguva yakati.
Mubvunzo ndewekuti kana kwete iyo iyo inowedzera inowanikwa yakakwana kuti ienderere mberi nekutengesa kwenyika. Munyika yakanakisisa, iwe unogona kuputsa kunyange, uye mari yako yaizokura nokukurumidza sezvo matengo achiwedzera. Muzvokwadi, mitero yakasara mushure mekutengesa kwenyika, uye mutero wemari pamutengo waunowana iwe zvinoreva iwe unenge uchirasikirwa nekutenga simba pabhangi.
Nzira dzekuchengetedza mazano ekuwedzera kuwedzera kwezvinhu
Chengetedza mikana yakazaruka: Kana iwe uchifunga kuti zvikwereti zvichamuka nokukurumidza, zvingava zvakanaka kumirira kuisa mari mumaCD emakore akawanda. Zvimwe, unogona kushandisa nzira yekusimudza kuti urege kudzivha-in pamatengo akaderera, nokuti zvakaoma kufanotaura nguva uye nekukurumidza (pamwe nekutungamirirwa) kwekuda kwechido chekuchinja.
Tenga kumativi ose? Kuwedzera kwemazinga emhepo ndiyo nguva yakanaka yekuchengetedza ziso kumabasa akanaka. Dzimwe mabhengi achaita nehuwandu hwemari yepamusoro zvakakurumidza kupfuura vamwe. Kana bhanhire rako richikurumidza, zvingave zvakakodzera kuzarura account pane imwe nzvimbo. Mabhenji epaIndaneti anogara ari mukana wakanaka wekuwana makwikwi ekuchengetedza mari. Asi yeuka kuti musiyano muzviwanikwa unofanirwa kuve wakakosha kuti iwe uende mberi: Kushandura mabhenji kunotora nguva nekuedza, uye mari yako ingasakwanisa kuwana chido chero chipi kana uchifamba pakati pemabhengi.
Uyezve, bhagheni ine yakanakisisa yehuwandu inoshanduka nguva dzose-chinhu chinokosha ndechokuti iwe uri kuwana kukwikwidzana. Kuchinja mabhengi kunonyanya kunzwisisika nemari mikuru yakawanda yekambani kana kuti kusiyana kwakasiyana mumari yemari pakati pemabhengi. Nekambani kadiki kana kuti maduku maduku akasiyana, zvichida hazvifananidzi nguva yako yekufamba.
Kuchengetwa kwenguva yakareba: Itai kuti vamwe varonge kuve nechokwadi chokuti mune zvikwereti zvakakodzera mumhando dzakakodzera dzeakabhadharo. Bhengi mabhuku ndiwo akakodzera mari iwe waunoda kana ungadikanwa munguva iri pedyo kusvika kune imwe. Kana iwe uchingorasikirwa nechinguva chekutsvaga simba nekuda kwekutengesa, ndiwo mutengo wamunobhadhara wokuva nechikwata chekukurumidzira-uye iyo ingangodaro mutengo muduku wokubhadhara. Taura neanoronga mari kuti uwane kuti chii, kana chimwe chinhu, iwe unofanirwa kuita nemari yakareba.
Mari nezvikwereti
Kana iwe uine hanya nezvekuwedzera kwezvinhu, iwe unogona kuwana nyaradzo kubva pakuziva kuti zvikwereti zvemazuva mazhinji zvinogona kuwana zvakanyanya kutengesa.
Kana kubhadhara chikwereti kwemazana mashomanana madhora kunonzwa semari yakawanda nhasi, hazvizonzwi sokunge zvakanyanya mumakore makumi maviri.
Zvikwereti zvenguva refu: Kufunga kuti hauna kuronga kubhadhara chikwereti chako nguva pfupi , zvikwereti zvevadzidzi zvinowanikwa makore makumi maviri nemashanu uye makore makumi matatu emakore ekugadzirisa zvikwereti zvinofanira kuve nyore kubata. Zvechokwadi, kana mari yako isingakwanisi kuwedzera ne inflation kana kuwedzera kwemari yako, iwe zvechokwadi uchave wakanyanya kuipa. Uyewo, kuderedza chikwereti hachisi chinhu chakaipa nekuti iwe uchiri kubhadhara chikwereti pamusoro pemakore iwayo ose kana iwe uchichengeta chikwereti panzvimbo.
Variable rate loan: Kana chikwereti chechikwereti pane chikwereti chako chichishandura kupfuura nguva, pane mukana wekuti chiyero chako chichawedzerwa munguva dzekutengesa. Variable rate rate zvikwereti zvinokwidziridzwa zvinotarirwa kune mamwe madhora (LIBOR, somuenzaniso). Chiyero chapamusoro chinogona kukonzera kubhadhara kunowanikwa kwepamwedzi , saka gadzirira kugadzikana kwekubhadhara kana inflation inotora.
Kuvhara muhuwandu: Kana uri kuronga kukwereta nokukurumidza, asi iwe hauna zvirongwa zvakasimba, ziva kuti mari inogona kunge iri yakakwirira apo iwe pakupedzisira unoshandisa chikwereti kana kuvhara muzinga. Kana izvozvo zvichiitika, iwe uchada kubhadhara mamwe mwedzi mumwe nomumwe. Siya imwe nzvimbo yeruzhinji mubhajheji yako kana uri kutengesa zvinhu zvakakwirira-izvo zvaunotenga pane chikwereti. Kuti unzwisise kuti chidimbu chekudarika chinokanganisa sei kubhadhara kwako kwemwedzi uye kufarira mari, fambisa zvimwe zvikwereti nezviyero zvakasiyana .