Zvaunofanira Kuita Kuti Uwedzere Maitiro Ekurarama Nenyaradzo Mukurasikirwa
Uyewo, havazombofaniri kunetseka nezvekuisa zvokudya patafura, kukwanisa kuwana mishonga yemishonga, kuva nenzvimbo yekugara, kana kukwanisa kubhadhara zvinhu izvo zvinopa zvose zvekuvaraidza uye kufara muupenyu hwavo.
Muenzaniso unoshamisa wezvinogona kuitika kana iwe uchifunga kwenguva yakareba uye kuronga zvinhu zvako zvemari zvakachenjera Anne Scheiber, mutariri weRS retiredti uyo akaunganidza mari yakawanda iyo, muna 2016 kutengesa kwenyika- kuderedzwa madhora, kwaizokwana madhora 34,380,000 mune simba remazuva ano ekutenga (at nguva yaakafa muna 1995, kukosha kwekutengesa kudarika $ 22,000,000).
Akaita izvi kutanga nechinguva chiduku chekuchengetedza uye mari yakawanda yepenjeni, kuvaka imwe nhepfenyuro muhofisi yake kubva kudiki duku muNew York City iyo yakadana musha. Iwe unogona kuverenga maererano neAlbert Scheiber fortune munyaya iyi yekudzidza uye kuputsa zvimwe zvidzidzo zvatinogona kudzidza kubva pane zvaanoita.
Imwe muenzaniso muenzaniso wegadziri Ronald Read, uyo akawana zvishoma nezvemari miri kushanda kuSears. Paakafa, yakaonekwa kuti akanga akanyora zvakadarika zvinodarika madhora 8 000 000 mubhuruu-chip stocks . Chikamu chake chekugoverana chaiva mumatanhatu matanhatu pagore. Nyaya yacho inoramba ichienderera mberi, asi pfungwa ndeyekuti vanhu ava vakanga vasina kunyanya kushandiswa maererano nehuchenjeri kana kuti maawa emaawa vaishanda.
Pane kudaro, vakashandisa simba rekugadzirisa, vakazvipa kwenguva yakareba kuti kurega mari yavo ikure, vakaisa pfungwa pakuderedza njodzi, uye vakanzwisisa kuti, pakupedzisira, chikamu chechikwata hachizi chimwe chinhu, uye zvishoma, kupfuura danda reimba bhizimisi rekushanda chaiyo; kuti kana zvasvika pakuwana pira, basa rako nderekuti uwane mari .
Kunzwisisa Nguva Iyo Mari
Chinhu chakakosha zvikuru chekubvisa pfuma ndeyokutanga kuisa mari muchimbichimbi uye ipapo, kurarama kwenguva yakareba sezvinobvira. Vashandi vazhinji, vakamanikidzwa kuti vawane mari kana maziso ekutenga kukuru, vati ivo vanogona kuita nguva yakarasika kuburikidza nekupa zvipo zvakakwirira mumakore anotevera. Zvinosuruvarisa, mari haishande nenzira iyo. Kutenda nesimba rekugadzirwa kwemari, mari inotengeswa mazuva ano ine simba risina kunaka rehupfumi hwako pahutano.
Kuisa nyaya iyi nenzira yakajeka, funga zviitiko zviviri zvinogona kuitika; zvose zviri zviviri zvinofunga kuti mari yedu inofanirwa kubhadhara inobhadhara pa 65 uye inonakidzwa nehuwandu hwekuwedzera huwandu hwekudzoka kwe10%, iyo inowanzoonekwa inowanzogutsa uye inokwanisika yehutano pane kwenguva refu.
John ane makore makumi mana uye anodyisa $ 20,000 pagore rekurega basa. Charlotte ane makore makumi maviri nemashanu uye anodyisa $ 5,000 pagore nekuda kwekurega basa. Nenguva iyo mumwe nomumwe wevanhu ava achibvisa, vachave vakapa $ 400,000 uye $ 220,000 maererano. Asi, nekuda kwesimba remakwikwi , John aizotsaura nehafu yemari saCharlotte pasinei nekutsvaga mari kaviri! (John aizotora mari ne $ 1.97 mamiriyoni, Charlotte ane $ 3.26 mamiriyoni). Idzidziso yenyaya yacho?
Rega kubata remangwana rako kuti ubhadhara nhasi.
Max Out the Annual IRA Contribution Limit
Kana zvasvika pamiganhu yemipiro yeIRA , chirevo chaMalume Sam chinoratidzika se "chishandise kana kurasikirwa nacho". Vashandi vasina kuita kuti mupiro wepamutemo unogamuchirwa kuChechi yavo kana kuti Roth IRA nemusi wekugurwa hazvibvi pamatambudziko kunze kwekuti ivo vari pakati pemakore makumi mashanu uye vanofanirwa kune chimwe chinhu chinozivikanwa sechipo chokubatanidza.
Sei IRAs yakawanda kudaro? Vanokubvumira kuti ufare kana kuwedzera kwekutereta kana kuteresa kwekubhadhara mitero, zvichienderana nerudzi rweIRA unoshandisa. Izvozvo, zvekare, zvinokubvumira kushandisa michina yakadai sekuisa pfuma . Semuenzaniso, Roth IRA ndiyo chinhu chinonyanya kushandiswa kune imwe nzvimbo yekugara yemitero iyo iripo muUnited States. Chero bedzi iwe uchitevera mitemo uye usingaiti chero chimwe chinhu kunze kwechinhu chisina kujairika, iwe unogona kubudirira kudzivisa kubhadhara mitero kune chero ipi zvayo yepfuma yako kana zvikamu zvehupenyu.
Sezvakakosha, IRAs ine marudzi akasiyana-siyana ekuchengetedzwa kwemari. A Roth IRA, nenzira yekufananidzira, inowanzochengetedzwa kubva kune vane chikwereti inokwana kusvika madhora $ 1.25 mamiriyoni (iyo mari inogadziriswa nokuda kwekuwedzera kwezvinhu uye kushandiswa kwenguva yakawanda saka iva nechokwadi chekutarisa tafura dzemazuva ano) kana asi mhando shomanana yematambudziko ari kukwanisa kuparadza kudzivirirwa, kusanganisira mitero yemitero uye kurambana kwemisha. Mimwe mhando dzeIRAs hadzina muganhu wehuwandu hwekuvharidzirwa kwekuvharidzirwa kwavanopa.
Tora Mukana Wakakwana Wevashandi Kufananidza Nezvako 401 (k)
Makambani mazhinji achafananidza chikamu chakakura chemari yako kubva pamipiro yaunoita kune yako 401 (k) chirongwa . Kana iwe uri neropafadzo yakakwana yekushandira bhizinesi rakadaro, uye mamiriyoni eAmerica, tora zvakakwana kusvika zvakakwana! Kana iwe usingaiti, iwe uri kuenda kure nemari yakasununguka. Kunyangwe kana iwe wose uine ine 401 yako (k) zvipo zvakakonzerwa nemari uye mari yakaenzana, inowanzomira pakarepo, inenge isina ngozi-isina 50% kusvika 100% kana zvimwe kudzoka.
Shandisa Rollover IRA kudzivisa Kuregererwa Kwekutanga Kutongwa Nemitero
Kana iwe uri chinhu chakafanana nehuwandu hwemushandi weAmerica, maitiro acho akakwana iwe uri kuchinja mabasa pane imwe nguva panguva yebasa rako. Kana izvi zvikaitika, chinhu chinonyanya kupusa iwe unogona kuita pasi pemamiriro akawanda ndeyekubhadhara mari yako yekutsvaga mari.
Pane kudaro, pfuurira mari yacho muRROllover IRA kana chirongwa chako chekushandira 401k . Mukuwedzera pakudzivisa mitero yakakura uye kutanga kutora zvimhosva zvaunogona kunge wakaita, iwe uchakwanisa kuchengeta mari yako ichikubatira iwe usinga-mutero kana kuti mutero-wakatarwa, zvichiita kuti zviwedzerwe zvakanyanya iwe uchasvika pakubhadhara nemamwe mari kupfuura iwe zvingave wakambove iwe.
Unopa nguva yakakwana - iwe watoona simba mashoma makumi emakore anogona kunge ane mari shoma-inogona kureva musiyano pakati pezororo muTahiti uye unotora basa rekugadzirisa chikamu kuti uwedzere mari yako.
Shandisa Zvikwereti Zvako Zvikwereti Kuti Uwane Zvinhu Zvinobudirira uye Dzivisa Mhosva
Pakupedzisira, kune vanhu vazhinji, nzira yakanakisisa yekupfuma kuburikidza nekutora basa ndeyokuita kuti maoko ako ave nehupfumi hwezvinhu zvinobudirira, kunyanya kuenzaniswa kwezvikwata mumabhizimisi akaisvonaka . Bhizimisi rechokwadi rinoshamisa, rakatengwa nemutengo wakangwara, rinogona kushamisa zvishamiso nenzira shomanana vanhu vanoita sevanonzwisisa. Vanhu vose vasina upenzi vanoisa pfungwa pfupi pfupi pfupi yemari yemari - Ndinowanzofananidza chero chinhu chisingasviki makore mashanu chiri nguva pfupi-uye, muchiitiko chacho, inoshaya musango wemiti.
Tarisa kambani yakafanana neHershey. Muenzaniso wekuti kukosha kwemukati kunogona kuparadzana kubva pamusika kudzokorora ndezvakaitika kune muridzi weiyo akaitora kubva pakati pa2005 na2009 apo chikwata chakarasikirwa ne50% chekukosha kwayo, zvishoma nezvishoma kuderera pasinei nenharo dzakanaka, zvikamu zvinowedzera, uye p / e chiyero , PEG ratio , uye chikamu-chinogadziriswa peG ratio zvose zvakanaka. Iwe ungadai wakanga uri benzi kuti uzvitengese kana kutosikirwa nekanguva kurara pamusoro payo. Iko mari yekambani iri inoshamisa. Kubudirira kwaro pamisoro inokosha inofadza.
Iri ibhizimisi rave riripo kwemazana anopfuura zana. Yakayambuka kuburikidza neHurumende Yokudengenyeka, iyo yaiva dambudziko guru rezvemari mumakore mazana matanhatu. Izvo zvakazviita kuburikidza nekuputika kwe1973-1974. Yakaponesa dot-com com bubble. Yakaramba ichienderera mberi panguva yekuparadzwa kwe2008-2009. Nhasi, iyo yakasimbiswa yakasimbisa iyo 346 yekugovera chikamu chechina; kete risina kunetseka recheki rakatumirwa kune vadzidzisi vanoenda kumarudzi akatevera. Munhu wose akaziva kuti zvinoshamisa izvi basa asi vanhu vashoma vanoita chimwe chinhu pamusoro payo.
Chimbofunga izvi: Fungidzira kuti kwava kunono 1982. Hershey ikambani yakakura yetikoroti munyika; zita rinowanzova vagari vose, vaduku nevakuru, vanoziva. Iwe unosarudza iwe unoda kutenga $ 100,000 yehutoro hwehudziri. Ndiyo bluest yemapupa ebhuruu . Iine bhadha rakasimba. Ndizvo zvaunoda mukwereti dzako dzekwereti uye kuvimba mari iyi haisi iyo nzira yakanyanyisa yekutsvaga nenzira ipi zvayo. Chii chingave chakaitika?
Kubva munaMay 2016, iwe unenge wakagara pane imwe nzvimbo inenge 49739 chikamu chematengo nemari yemari ye $ 4,582,951.46 pamwe chete iwe waizounganidza $ 1,174,337,79 mune mari yemari inowanikwa munzira inoita mari yakawanda ye $ 5757,289.25. Izvi zvinofunga kuti iwe hauna kutorazve chimwe chezvikamu izvi , kana, uye kuti hauna kutotenga imwe mugove wehupenyu hwako hwose!
Asi, vanhu vangani munoziva zvikamu zveHershey? Vanhu vangani vakakukomberedza vane zvikamu zvayo zvakasimuka mumabhuku avo?
Mumhuri mangu, iyi maitiro ikozvino chikamu chekuti tinoshanda sei. Pamusana peKrisimusi, ini nemurume wangu takapa zvikamu zveHershey kune nhengo dziduku kuna vose kumativi emhuri. Tinazvo muhotera yedu. Takazvigadzirisa muzvikwata zvevabereki vedu. Yakaputirwa mumapepafisi atakagadzirira vana vehama dzedu. Zviri nyore . Hapana anozviita. Hapana anozvishandisa, zvinoratidzika. Kazhinji, kupfuma kunoda kuita chimwe chinhu chakarurama pamberi pechiso chenyu; saka unozivikanwa kuti iwe wakave wakacherechedza. Takaita bheti yakakura yekuti 25, 50+ makore kubva ikozvino, Hershey ichapedza nhengo dzemhuri dzedu nemitsinje yemari. Pose patinotenda kuti inokosha kwazvo, tinotenga zvakawanda.
Tsvaga Hershey yako. Pane dzimwe nguva zvinhu zviri pamberi pako, zvinhu zvaunoziva zvine mukana wakaoma wokurasikirwa nemari kwenguva refu uye hauna-uropi. Shandisa ruzivo rwako ruzivo. Iva nechokwadi chekuti iwe une huwandu hwakasiyana-siyana hwekuzvidzivirira iwe kana iwe usina kururama. Usatenga zvikwata pamuganhu . Hazvisi izvo zvakaoma. Nguva uye kuwedzeredza kuchaita kukuremedza kunorema kana iwe uchibvumira. Iwe unofanira kudyara mbeu yakanaka muvhu rakarurama uye wozobuda kunze.
Iva Wachida Kuwana Nzira Dzokuwedzera Nhamba
Usangocheka mari, uwane nzira yekuita mari yakawanda! Nokutora basa romufambidzani kana kuchinja chido chekuita mune bhizinesi rebhizimisi, unogona kuwedzera miganhu yemari kuti ubatsire kubhadhara mari yako. Muzviitiko zvakawanda, iyi ndiyo nzira yakanakisisa yekucheka mari nokuti inokubvumira kuchengetedza mararamiro ako ehupenyu panguva iyo uchipa ramangwana rako.
Sevadzidzi venguva yakazara yekoroji makore anodarika gumi akapfuura, ini nemurume wangu taive tichiita madhora zana nemakumi maviri kubva pagore kubva kumapurojekiti emamwe mapurogiramu uye basa. Yakatibvumira kubhadhara mari yedu apo isu tairarama zvakanaka pasi pezvatinokwanisa. Hatina kuudza ani zvake nezvazvo. Hatina kumirira kuti vanhu vatipe mikana nguva zhinji. Takafungisisa zvataigona kutengesa nyika - zvinhu zvipi uye mabasa atinokwanisa kupa vamwe vanhu uye kuti vangave vanofara kutinyorera cheki-uye isu takagadzira hurongwa hwakashanda kwatiri patinorara. Dai taifunga nezvekucheka mapikoni, zvingadai zvakatiendesa kure kure kuti tive kupi nhasi.
Mamwe Mamwe Mashoko pamusoro Pokuti Ungatora Sei Mupfumi?
Ichi chinyorwa chikamu cheNzira Yokuwana Riri Nhungamiro yevashandi vatsva. Iwe unogonawo kuverenga kuverenga mutungamiri wedu wekuvaka upfumi . Ndinokudai iwe wakanakisisa wenhanho parwendo rwako. Kana pasina chimwe chinhu, ziva kuti ndiri kukurira iwe. Rombo rakanaka!