Izvo 4% Rule Rinoti (uye Haingaiti) Shandisa Mazuva Ano Retirees
Ngatitarisei zvimwe zvekufungidzira kwemazuva ano pamusoro pekuchengetedza mari yakachengetedza kubhadhara mari.
Kuchengetedzwa Kwakachengeteka Mitero: Inopfuura Chirevo Chembundu?
Sezvo Michael Kitces akagoverana nemudzimai wezano rezvemari muCarolving the Paradox - Ndizvo Zvakachengetedzwa Zvokuregererwa Kwekuda Dzimwe nguva Zvimwe Zvisingakanganisi Here? (May, 2008), mamiriro ezvinhu umo vaviri vakaroorana vane zvikwata zvakangofanana zvakasununguka gore rimwe chete zvinogona kutungamirira kushamisika uye zvimwe zvisiri izvo zvine mhinduro zvichienderana nezvinoitika mumusika makore avo vakaroorana vanenge vasara. Kana mumusika waizowedzera kana kuderera zvikuru mukati megore apo mumwe murume nemudzimai vachibvisa asi mumwe wacho asina, mumwe nemudzimai vangangorayirwa kuti vaende zvakachengetedzeka zvakachengetedza zvakanyanya kupfuura hupenyu hwavo hwose zvichibva pamutemo we4% wakatangwa neBenen, kunyange kana zvichienzaniswa, iyo inorayirwa kurega mari inopesana. Izvi zvinowira pasinei nokuti iine imwe yekutanga podfolio.
Pasi pemitemo ye4%, nguva chete yekugara kwavo kwekurega basa uye kukosha kwekambani yevadzidzi panguva yekusarura kunotarisa kusiyana kwakanyanya mumararamiro akachengetedzeka ehupenyu. Pasina zvimwe zvingafungidzirwa zviri kuitwa, 4% inotonga chete inongokupa mhinduro yakaoma uye yakakurumidza kuva nehuwandu hwehutano hwekusarirwa mari.
Icho chinongova kutanga. Funga nezvevakaroorana, semuenzaniso, avo vakasiya basa musati vasvika pamusika webhebhe wekutambudzika kwemari muna 2008 . Maererano nehutongi hwe4%, vanofanira kunge vachikwanisa kubvisa mari yakafanana yavakasimuka gore rapfuura, vachigadzirirwa kutengesa. Asi iko kuregererwa kwechigarire ichi chinoramba chichigadzikana mushure mokunge chikwata chavo chakaitwa muna 2008? Mubvunzo haugoni kupindurwa nemutemo we4% wega.
Saka Chii chiri Chekuchengetedza Kwemari Kubhadhara Mari?
Hapana chaicho chinopedza mungozi-isina mhinduro yekugadzirisa kuchengetedzwa kwakachengeteka kuripo. Zvose zvinokurudzira zvinogona kuisa njodzi yokuti iwe unopedza nguva yakawandisa nekukurumidza kana kuti iwe unopedza zvishomanana uye, munguva pfupi muupenyu, unoshungurudzwa iwe hauna kupedza nguva yakawanda kare panguva yekurega basa. Imwe nzira inokurudzira ndeyokushandisa murairo we4% sekutanga, uchifunga zvimwe zvinhu zvinokosha zvinogona kukutungamira kuti upedze zvakawanda kana zvishoma mugore rose rakapiwa panguva yekurega kwako, zvakadai sezvinotevera:
- Utano hwako hunogona kuderera apo iwe uchikura. Funga kushandisa mari yakawanda pakutanga kwekurasikirwa pane zvinhu zvakadai sokufambisa uye zororo neanoziva kuti bhajiro yako yebhafambi pakutanga kwekurega basa inogona kunyatsodikanwa kuendeswa kune bhajeti rehutano hwehutano mushure mekurega basa.
- Misika inogona kutora kuderera kukuru nguva pfupi mushure mokunge musara. Kana izvi zvikaitika kwamuri sezvazvakaita kune vakasiya mari vasati vasvika 2008, funga kubhadhara kushandiswa kumashure mumakore ekutanga kupa zvikwereti zvako mukana wekudzoka panzvimbo yekuona kurasikirwa kwako nekutengesa pane imwe nzvimbo yakaderera.
- Iwe unogona kukurudzira kutarisira kwako kurarama. Nhasi, vazhinji vakasiya mari vari kurarama zvakanaka kusvika kune makumi mapfumbamwe uye vamwe vanofanira kutora mari yakawedzerwa yehupenyu hurefu pamwe chete nevamwe vaurayi vebhajeti sekuchengeta kwenguva refu. Kuti uchengetedze njodzi yekubuda kwezvinhu zvako, funga kurwisana nekukwanisa kuburikidza nekutengeswa kwegore rinokurumidza kana makore akawanda ekugadzirisa kuti iwe wakavharwa. Inishuwarenzi yenguva refu yekuchengetedza inofanirwawo kufunga.
Kurega Kubhadhara Mitero Haisi Icho Chinhu Chaicho
Kunyangwe ane ruzivo rwakakosha, iwe unogona kuona kuti nei zvisingakwanisi kupa nhungamiro chaiyo yekuti iwe unogona kutenga mari yakawanda sei mugore rakapera panguva yekurega.
Pane zvakawanda zvingangosiyana siyana zvisingazivikanwi. Asi, sezvo vanhu vachida kunyoresa kubva pane pfungwa inowedzera yakaoma yekurega basa, mitemo yechigunwe inogona kubatsira. Somunhu, ini ndichaedza kutanga ne4% rimwe zuva, ndichiziva kuti pane boka rezvimwe zvinoshandiswa, zvakawanda zvandinogona kutadza kuzvidzora, izvo zvingashandura kuwedzerwa kwandinoshandisa kuwedzera mari kubva gore negore. Kuongororazve chikoro changu uye bhajeti ichava chikamu chekuenzanisa gore negore.
The Bottom Line
Kusarudza mari yakachengeteka yekubvisa mari yakagadzirirwa kubva pauwandu hwehuwandu hwemahofisi yako haisi nyore seyo imwe yekudzorera. Asi kuongorora kwepotefoseti yako uye kushandisa mari, zvichida nemupiridzi wepamusoro wezano wezvemari kune wako, kunogona kukupa kuvimba kuti upedze zvakanyanyisa pane zvinhu zvaunoda zvechokwadi ne nguva iyo inonzwisisika inopiwa zvinangwa zvako zvekurega basa. Zvimwe inonyanya kukosha yekugadzirisa mari yekugadzirisa mari inotora ndeyekugadzirira chirongwa usati watanga kupinda mumari yako yekusara.