Tarisa Kuti Unoda Zvakadini Mukurasikirwa, Zvadaro Iwe Unofanirwa Kuponesa Zvakadini
Asi zvakadini?
Kuti uone mari yakawanda yaunofanira kuisa pamwedzi wega wega pamusana pokusiya basa, iwe kutanga unoda kuverenga kuti yakakura sei denderei - inowanikwa - iwe unofanira kuvaka.
Mune mamwe mazwi: Mari yakawanda yaunoda kuti usiye basa? Iwe uchada kupindura mubvunzo iwoyo usati washaira-unyanzvi mari yaunofanira kuisa pane yako bhajeti.
Heino nzira yaungagona kuverenga kuti yakakura sei dendere dendere raunoda:
Danho 1:
Sarudza chikamu chipi chekuwana mari yako ikozvino yaunoda kudzorera panguva yekurega.
Nyanzvi nyanzvi dzinokurudzira kuparadzanisa pakati pe 70% kusvika ku85% yemari yako yekusati yatoita mari. Wedzera mari yako yegore negore ne70% kusvika ku85% kuti uuye nechinangwa chako chekubhadhara mari mumari yanhasi. Kana mari yako yazvino iri $ 100,000 uye iwe uchisarudza kuti iwe unoda kudzorera 80% yaro mukutora basa, yako chinangwa chekubvisa mari (mumazuva ano amadhora) i $ 80,000 pagore. (Usanetseka pamusoro pekugadzirisa kuwedzera kwepabonde panguva iyi.)
Kana iwe newawakaroorana naye mose muchiwana mari kunze kwemba, edzai kuti munopedzisa basa iri pamwe chete nemari yenyu yakabatanidzwa. Kana iwe ukawana $ 50,000 gore negore uye wako wako anowana $ 75,000 gore negore, wedzera mari yako pamwe chete ($ 125,000 gore negore akabatanidzwa) uye wozowedzera ne70 muzana kusvika 85 muzana.
Danho 2:
Ruramisa chiyero kubva paChitatu 1 kuti ugoverengera 4% kutengesa kwenyika.
Heino nzira:
Kana iwe uri makore gumi kubva pakubata basa, wedzerai chinangwa chako chokubvisa mari nemutengo wekutengesa we 1.48. Kana iwe uri makore gumi nemashanu kubva pakuberekwa, shandisa inflation factor 1.8. Kana iwe uri makore makumi maviri kubva pakubata basa, wande ne 2.19, uye kana uri nemakore makumi maviri nemashanu kubva pakuberekwa, wande ne 2.67.
( Cherechedza: Izvi zviyero zvinoridzirwa mubhuku ra 12 Nhanho dzeKushanda Kunetseka Kwekusununguka , rakabudiswa naPiklinger's Personal Finance .)
Somuenzaniso, muGwara 1 wakasarudza kuti unoda kurarama pane mari ye $ 80,000 pagore (mumazuva ano madhora) panguva yekurega basa.
Ngatimbofungidzira kuti iwewo wava nemakore makumi maviri nemashanu kubva pakubata basa.
Munhanho yechipiri iyi, iwe unotora chikamu ichocho- $ 80,000 pagore mumahora emazuva ano - uye iwe unowedzera ne 2.67. Mhinduro yako ($ 80,000 x 2.67 = $ 213 600) inomiririra chinangwa chako chekubhadhara mari mune ramangwana rekusvika, mushure mekugadzirisa zvekuwedzera kwezvinhu.
Mune mamwe mazwi: Kuchengetedza mararamiro ayo gore rega rega re $ 80,000 rinopa nhasi, iwe uchada $ 213 600 pagore mumakore 25 kubva ikozvino.
Danho 3:
Taura iwe kuHurumende ye Social Social website kuti uwane kuti chii chawakarongwa Social Security rubatsiro chichave.
Nhanho 4:
Taura nehurumende yako yehupfumi kuti uwane kuti mari yakawanda yepenjeni, kana iripo, unokodzera kugamuchira. Zvikamu zviviri kubva muzvitatu zveAmerica hazvikwanisi kubhadhara pensions, asi ini ndinosanganisira danho iri kuitira kubatsirwa nechetatu chevaAmerica vari.
Nhanho 5:
Kushandisa imwechete yezvinyorwa zvitsva izvo zvandakarondedzera muChitatu 2, gadzirisa izvo zviyero zvehutengo.
Somuenzaniso, kana uchikodzera kugamuchira $ 20,000 pagore kubva ku Social Security mumazuva ano emari uye iwe uri makore makumi maviri nemashanu kubva pakubata basa, wande $ 20,000 ne inflation factor 2.67.
Mhinduro, $ 53,400, iyo mari yauchaunganidza kubva ku Social Security munguva yemberi madhora, mushure mekugadzirisa zvekutengesa.
Yeuka:
- Kana iwe uri makore gumi kubva pakubata basa, wande ne 1.48.
- Kana iwe uri makore gumi nemashanu kubva pakubata basa, wande ne 1.8.
- Kana iwe uri wemakore makumi maviri kubva pakubata basa, wande ne 2.19.
- Kana iwe uri makore makumi maviri nemashanu kubva pakubata basa, wande ne 2.67.
Nhanho 6:
Bvisa ramangwana rako rekutsvaga kwezvinhu-rakagadziriswa ramangwana rakarongedzerwa Social Security nemari yepenjeni kubva pamutengo wako wekutsvaga kwezvakagadziriswa. Inoratidza mari yakawanda yaunoda kuti uwane nayo kubva kune iwe wekushambadzira chikwereti.
Semuyenzaniso:
- Kutengesa-Kugadziriswa Target Retirement Revenue: $ 213 600 pagore
- Kubatsirwa kweKuchengetedzwa kwezvinhu-Adjusted Social Security Ropafadzo: $ 53,400
- Pension: $ 0
- Kupera: $ 160 200 pagore
Mune mamwe mazwi, iwe uchada kugadzira chikwereti chekutsvaga mari iyo inogona kubhadhara madhora 160 200 pagore mumari.
Danho 7:
Wedzera nhamba iyi ne25. Ndiyo iyo huru yemugoveti wekutsvaga mari iwe uchadikanwa kuchengeta zvaunoda kubhadhara.
Muenzaniso: Kana uchida kuuya ne $ 160 200 pagore, iwe uchada ($ 160,200 x 25 = $ 4,005,000 mubasa rako rekurega basa) Nemamwe mazwi, iwe uchada $ 4 mamiriyoni ekurasikirwa kworuzhinji.)
Nei uchiwedzera ne25? Nemhaka yekutonga kwechigunwe chinozivikanwa se "4% yekutora kutonga," iyo inotaura kuti iwe unogona kubvisa 4% yehupfumiro yako gore rega rega usingashandisi ngozi yakawanda yekuderera pasi pekuchengetedza kwako.
Dzidza zvakawanda pamusoro pe "4% yekutora hutongi" uye iyo inowirirana "kuwedzera nekutonga kwemakumi maviri nemashanu" munyaya ino.
Danho 8:
Verengai mari yakawanda yaunoda kuchengetedza pamwedzi kuti upe $ 4 mamiriyoni epodfolio (kana zvisinei nehuwandu hwehutorikoti iwe unozviverenga iwe pachako).
Ichi chinyorwa chichakupa muongororwo wehuwandu hwekuti iwe uchada kurasa mwedzi woga woga kuti uwane $ 1 mamiriyoni dendere mazai . Inofunga kuti uri kutanga ne $ 0 yakachengetedzwa.
Sezvo iwe zvichida uine mari mumabhadharo ako epamberi, iwe unofanira kungoshandisa iyo iyo nyaya yekuona mufananidzo mukuru. Kuti uverenge muwandu chaiyo iwe pachako unoda kuuponesa, shandisa zvinokonzera interest calculator .
A composound interest calculator ichayera mhinduro dzinodzoka zvakare. Semuenzaniso: Muna Year 1, iwe unoshandisa $ 10 000 uye unowana 5 kubva muzana kudzoka. Pakupera kwegore 1, une $ 10 500. Muna Gore 2, iwe unotora mari yakazara $ 10 500 - mune mamwe mazwi, zvaunowana ($ 500) zviri kutozviwanira pfuma. Nokufamba kwenguva, ichi chinhu chakasimba kwazvo chekuwedzera mari yako. Dzidza zvakawanda pamusoro pechido chezvikwata apa.
Paunoshandisa calculator, funga kuti misika ichadzoka 7 kusvika ku8 kubva muzana semakore akawanda egore rinoshandiswa. (Isa 7 kubva muzana kana 8 muzana panzvimbo iyo inokumbira "chiyero.")
Izvi zvinokuratidza kuti mari yakadii yaunofanira kuisa pamwedzi wega wega wega kuti ugadzirire dendere rako rakanaka rekugara.
Danho 9:
Gadzira nzvimbo mubhajabhenti yako kuti uise padera iyi mari yekurega basa. Shandisa mabhesi aya kuti atarise nzvimbo dziri mubhajheji yako umo iwe unogona kuderedza mari yako kuitira kuti iwe ugone kuisa pane zvimwe zvekurega basa.
Uyezve, usakanganwa kuti iwe unogonawo kufunga nezvekuwana mari yakawedzerwa, zvakare. Tora pabasa rechipiri, uye chengetedza iyi mari yakawedzerwa yekubvisa kwako.