Mhosva Yakakura
Kubvira muna 2004, chikwereti chemari chikwereti chevadzidzi chakasara kune rimwe boka rezera - kubva makumi maviri-zvimwe zvemazuva zvitsva zvichibva kuchikoro kusvika makumi matanhatu-zvigaro zvichange zviri pedyo nekurega basa.
Muna 2015, somuenzaniso, vatengi vanopfuura makore makumi matanhatu vanokwereta kanopfuura masere kanomwe chikwereti chemari yechikwereti chevadzidzi kupfuura yezera ravo raitakura makore gumi zvisati zvaitika.
Zvichakadaro, vaAmerica pamwe chete chikwereti chekwereti chikwereti munguva pfupi yapfuura vakadarika $ 1 trillion mark, maererano neFederal Reserve , apo matengo eimba aine ballooned.
Vatengi vepamusoro pemari chikwereti vari kuita kuti zvive zvakaoma kuti vaise pamari mari yakakwana yekurega basa. Maererano nekuongororwa kwe 2017 neBankiers Life Center yekuchengetedza Zvakachengeteka, 34 muzana chete yevana vevana vari pakati pakati pemakore makumi mashanu nemakumi manomwe nemakumi manomwe vanotarisira kubhadhara kunze kwechikwereti chinoramba chichidya mumari yavo iripo.
Kana iwe uine chikwereti chemadhora mazana ezviuru mune chikwereti chisingabhadhari-chechikwereti, iwe unoda kuita ikozvino kuti ude chikwereti chako kuitira kuti iwe uise mari iyo kune zvimwe zvakakosha.
Ita Zvaunonyanya Kuita Zvakarurama
Ndezvipi izvo zvinokosha zvinoita sezviri? Vagadziri vezvemari vanowanzokurudzira kuti iwe uchengetedze kusvika 10 kusvika ku15 muzana yemari yako yaunowana gore roga roga nekuda kwekurega basa, uye rimwe runyanya runowanzozivikanwa rwechigunwe rinoratidza 20 muzana.
Iwe unofanirwawo kugadzirisa mari yekuchengetedza kwekukurumidza - mwedzi mitatu kusvika kumitanhatu yekurarama kwemari - saka haufaniri kutora makadhi emakadhi kuti uite kukanganisa kamwe kamwe.
Kana iwe uchikwereta mari yakawandisa zvokuti iwe haugoni kukunda izvi zvinangwa zvekuchengetedza , ipapo kukwereta kwako kwakanyanya.
Imwe nyanzvi yezvemari Fidelity Investments inokurudzira kuputsa mamwe mabhadharo ekuchengetedza kwemakore gumi nerimwe.
Kambani inotaura kuti iwe unofanira kunge wakaponesa kamwechete nguva yako mubhadharo yako panguva yaunosvitsa makumi matatu, katatu mubhadharo wako panguva yaunosvitsa makumi mana, katanhatu mubhadharo wako panguva iyo iwe unosvika makumi mashanu, katatu mubhadharo wako nenguva iwe unoshandura makumi matanhatu, uye katatu mubhadharo wako nenguva yaunoshandura 67.
Sezvaunosvika pamazera aya akaoma, tora mari yako isiri yekutora chikwereti kubva pane yako yose yekuchengetedza. Kana zvikwereti zvako zviri kuchengetedza mambure ako zvichienderana nepamusoro pezvaunoda kuva, iwe une zvakawanda-uye chikwereti chaunofarira chaunacho chiri kukurumidza kukusimudzira iwe kubva mberi kubva munzira.
Ko Chikwereti Chako Chikuita Kuti Udziponese Here?
Kuti uone kuti kuronga kwakadaro kunoshungurudza kunorevei kuti unogona kukwereta zvakadini, tora kuverenga uye kubvisa mari yaunotarisira kuchengetedza gore negore kubva mumari yako yegore negore. Zvadaro shandisa mari yako yemwedzi wega wega kuti uongorore mari yakawanda yaunenge uine yakasara yekushandisa nayo mari yekubhadhara chikwereti.
Somuenzaniso, fungidzira iwe uri mumakore ako makumi matatu, uchiita $ 50,000 uye uchishandisa zvinenge makumi matatu kubva muzana yemari yako yeimba. Mushure mokubvisa $ 13,000 pagore muchikwereti chenyu chekurega mari, iwe ungadai uine $ 22,000 chete pagore - kana mari inosvika $ 8 833 pamwedzi - kana uchingosara kubhadhara zvimwe zvikwereti, zvakadai sezvikwereti zvevadzidzi uye kadhi rechikwereti chikwereti, pamwe chete nemamwe ose mamwe madhora , zvakadai sekudya, kuchengetwa kwevana, zvishandiso uye varaidzo.
Tichifunga nezvekudhura kukuru kwezvokudya, gesi nemotokari mari, kuchengetwa kwevana, uye zvimwe zviitiko zvekurarama, uye iyo haisi mari yakawanda yakasarirwa kushandiswa pakubhadhara chikwereti.
Kunyange kukurudzirwa kwegore negore muhomwe hakuzoiti kuti zvive nyore kutakura chikwereti chakawandisa. Somuenzaniso, kana uine makore makumi mashanu, uchiita $ 70 000 uye uchiri kupedza makumi matatu kubva muzana yemari yako yebhadharo rekutenga chikwereti, iwe unenge uine $ 2 250 pamwedzi usingarambi mushure mekuisa mari pamuri kubhadhara mari yekubhadhara chikwereti uye nezvimwe zvinoda mari.
Pasi Pasi
Kana zvikwereti zvako zvekubhadhara zvichikuchengetedza kubva pakunyanyisa kuchengetedza kwehupenyu hwako remangwana, ipapo iwe unenge uine chikwereti chakawanda. Kana iwe uri pedyo nekutora mari, iwe unonyanya kuedza iwe unofanirwa kuedza kuchenesa mari yako yaunotora chikwereti. Chinhu chekupedzisira chamunoda ndechokuti chikwereti chirambe chichibvisa chikwereti chako uye chikumanikidze kutora zvikwereti zvakawanda kuti uwane zvipo.