Ita urongwa Usati waverenga Maakaunti Ako Okubhadhara
Iwe unogona kunge watoziva hutano hunokosha hwekutengeswa kwezvinhu. Kunyatsocherechedza nzvimbo yako yenzvimbo kunokosha chete. Nzira uye sei iwe paunotora kugoverwa kubva kubhuku rimwe nerimwe kuchaita kuti uite mitero uye kuronga mari. Hezvino izvo zvaunofunga pamusoro paunenge uchitora mari yako yekuchengetedza mari yekuwana mari.
Ronga Kuronga Kugovera Chikamu Chegore Negore
Vapateri vanoisa chirango chekuregera vanogona kuita kuti mari yavo igare kwenguva refu. Vashandi vezvekushandira basa vanowanzokurudzira kugoverwa kwehuwandu hweanenge 4 muzana pagore , kuchinjwa kwekuwedzera kwezvinhu. Iwe unogona kushandisa calculator kuti uone kuti iyo 4 muzana inotaridzika sei kubva kumabhuku ako. Zvinogona kuve zvakakodzera kugadzirisa kuregererwa kwekutora pane imwe nguva. Maonero anowirirana pamusana pegore rekusiya kushanduka muhutano mu3 kusvika ku7 muzana.
Ita Zvekare Zvikamu Zvimwe
Urongwa hwaunotanga kutora mari kubva kumakero akasiyana-siyana huchavimba zvikuru pamitero.
Nhoroondo dzebhadharo dzinotanga kuiswa. Izvi zvinosanganisira mabhengi ekubhadhara, mazita ekutengeswa kwenhaka, uye chero nhaurirano yaunobhadhara mari inowanikwa. Siya mari yemitero yakatengesa yakawandisa kwenguva yakareba sezvazvinogona.
IRAs iyo inokonzerwa nemitero uye 401 (k) s iyo nhoroondo dzinodhonza kubva kune inotevera. Vashandi vanogona kutanga kutora kuparadzirwa kubva kumabhuku aya anotanga pazera remakore 59 1/2.
Kana iwe uchida kumirira, unenge wava nemakore 70 1/2 usati wafanirwa kutanga kutora kuparadzirwa . Hosha kugoverwa kunodiwa uye iwe unogona kuwana chikwereti che50 muzana yemari iyo inofanira kugoverwa. Kunyanya mitero yauchazobhadhara kubvisa kwawakaita iwe uchiri kumanikidza kutora. Ouch. Hazvikoshi kukanganisa.
Nhoroondo yekupedzisira inobata nhoroondo isina mvumo yakadai seRoth IRA , Roth 401k , kana Account Savings Account (HSA). Iyi nhoroondo haisi pasi pemitemo inoparidzirwa, pasinei nezera. (Zvimwe ndezvokuti iwe wakafa, saka kugoverwa kwakakwana kunodiwa.) Kusvikira panguva iyoyo, zviwanikwa muRoth zvinogona kuunganidza mari dzisina mutero.
Chengetedza Payouts
Vamwe vashandisi zvirongwa uye makambani ekutsvaga mari vanopa mari iyo ichaita kuti iwe uwane mari yekubhadhara mari yako. Imwe muenzaniso ndeyeVanguard yakabhadharwa mari yekubhadhara mari , iyo yakagadzirirwa kuenzanisa kukura kwekutanga uye mubhadharo wekubhadhara kuti uite mari yako yekupedzisira. Kusapiwa zvinhu mukati memari iyi kunogona kupfuudzwa kumudzimai anoramba aripo kana vamwe vanobatsirwa. Tsvaga zvingasarudzwa ne 401 (k) mutungamiri kana kuti kuburikidza nebhangi rako kana kukweretesa kuti uone kana pane chirongwa chinoita kuti zvikwereti zvive nyore kwauri.
Zvidzivirire Kupesana Nemaitiro Asina chokwadi
Kune vatorwa kana vasati vatora mari vanofunga nezvekubuda kwemari, vamwe varayiri vezvemari vanokurudzira kutengwa kwegore rakapera kana kuti mari yekuwana mari yekubhadhara mari inokosha. An annuity rudzi rwe inshuwarisi. Chaizvoizvo, mubhadhari anotengesa chikwereti chemari yemari yakagadziriswa yehupenyu. Kana iwe uchirarama makore 30 kana makumi mana mukurasikirwa, zvakanyanya kwauri. Kana ukararama kwemakore mashomanana chete, iri danho riri nani kune kambani ye inshuwarisi. Dzimwe annuities dzinosanganisira vapenyu vanobatsirwa zvinowanikwa nemudzimai mushure mokunge vashandi vafa, asi iwe unogona kubhadhara zvishoma pane izvi. Iwe unogona here kuisa mari zviri nani mumusika kuburikidza nebhadhari yebhadhari kana ETF? Zvichida. Asi apo mamwe magwaro akawanikwa akavimbiswa haasipo, gore rinogona kubatsira kupa humwe hupfungwa hwepfungwa kuti zvidzidzo zviripo.
Zvechokwadi, izvi zvinongova chidimbu chechando chairo maererano nezvinofanira kufunga pamusoro pechirongwa chekurega mari. Yeuka kutarisa zvimwe zviwanikwa zvemari yakagadziriswa, yakadai seHuman Security, mari yekubhadhara mari kana mari yepensheni paunenge uchiverenga zvido zvekugovera kwekodha rako.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.