Nzira Yedzidzo yekudzidzira Kubhadhara Imari
Pasi paunowana hupfumi hunochera zvakadzama mumanani kuti uone kuti, sei uye nei mamwe mazano ekugadzira basa rekugamuchira basa, uye kuti anoshanda sei kana achienzaniswa nedzimwe nzira.
Iyi mutsara wekutsvaga mari yekutsvaga mari inotora mari dzekutsvaga mari uye michina yemari, inovatarisa mukati nekunze, nechepamusoro uye pasi, uye inoparadzira rupo rwekupa ma chati, mairafu, uye matafura anokuudza iwe zvakananga kuti sarudzo imwe neimwe inosvika sei kumabasa e kuunza hupenyu hwemazuva akawanda huripo hunochinja mari yekubvisa mari.
01 Yakanakisisa Asset Kugoverwa Kwevatorwa
02 Kuita Sense Kubva Mukusiyana-siyana Kupedza Mazano Evanhu Vakabhadhara
Iyi peji 2015 neWade Pfau inofanidza kushandiswa kwemari kwakasiyana-siyana kwekusiya basa kana kushandiswa kwekuregererwa, sekushandisa mari yakatarwa yemari yakasara gore roga roga, kushandisa mari inoramba ichiwedzerwa, kana kushandisa mari yakakura iwe paunenge uine makore akadai sezvaunofanira kuita neaidiwa zvishoma kugovera mitemo.
03 Kuderedza Dambudziko Rekushandira Retirement neEising Equity Glidepath
Iyi pepa ra2013 raWade Pfau naMichael Kitces rinopa nzira itsva yekutaura iyo inogona kupesana nehuchenjeri hunowanikwa. Nzira iyi inomira pasi pekuedzwa kunyange zvakadaro.
Vanoratidzira kuti kurega kunobatsira kunowedzera zvishoma nezvishoma kugoverwa kwekugovana muhutano, asi vanozoita saizvozvo nokupedza pasi mari yavo yakagadziriswa kutanga uye mberi kwekugara kwezvekugarisana.
Pamusoro pemitambo yakasiyana-siyana yemakethe, nzira iyi yakanga ine mikana yakawanda yekubudirira kupfuura nzira yaicho yekuderedza kuenzana munguva yekurega basa. Mune rimwe bhuku rakarondedzerwa muna 2015 Wade, rinodzokerazve izvozvi nekufungidzira kuti Kuenda kana Kusasimuka: Kugoverwa Kwemaawa Paunenge Uchirasikirwa.
04 Kuwedzera Income Dimension
Iyi nyanzvi yekutsvakurudza mapepanhau inoita basa rakanakisisa rekuratidza kusiyana kwemaitiro ezvetsika ekutsvaga mari, uye chii chinodiwa kuti zvive nekuchengetedzeka kwekusarirwa mari. Sezvazvinoreva,
"Nharaunda yakagadzirwa zvakanaka inoshandiswa nematokisi uye zvisungo inongoratidzira kutengesa-kutengesa kutengesa-muhutori huri kudzorera, kwete huwandu hwemapurisa hunoita kuti pave nehuwandu hwemari."
"Kukurukurwa kukuru ndiko kubvuma kuti vashandi vekugara mubhadharo vanonyanya kufarira nezvemari kupinda mari yehutoriko. Asi MVO (kureva-kusiyana-siyana kunobudirira muganhu) inongotarisa huwandu hwehupfumi hwekudzorera hutsva-huno maererano nekudzoka; hazvifungi nezvekutengesa-kutengesa-kutengeserana kwekutsvaga kwekusununguka kwekunyanya kunetseka - kukwanisa kworuzhinji kunokonzera mari yekuchengetedza mari. "
05 Kubudirira Kurasikirwa Kwemari Mazano
Iri peji ra2007 raWilliam F. Sharpe, Jason S. Scott, naJohn G. Watson rinotsanangura chimwe chinhu chinonzi "lockbox approach". Vanotsanangura dambudziko ravari kuedza kugadzirisa sezvinotevera,
"Dambudziko:" Gore roga roga mune ramangwana, uye kune dzimwe nyika dzenyika mugore rega rega, mutyairi wedu anofanira kusarudza zvakanaka kuti mari yekudya uye mari yekutsvaga inotsigira iyo inoshandiswa.Kana masoko apera, kusununguka kwedu kunogona kutengesa inotaura nezveramangwana, uye mari muzvivimbiso izvi kubhadhara mari. "
Vanoenderera mberi kushandisa mazita akawanda emasvomhu kuratidza kuti sei mitemo yechigunwe semutemo we4% isingashandisi kugadzirisa dambudziko iri. Panoona mutemo uyu wechigunzva vanoti,
"" Imwe nzira inobatsira yekurasikirwa inofanirwa kuve yakashandiswa zvachose mukutengeserana kusingabhadharwi kugovera nguva dzose mune imwe nyika yemberi. chinhu chakakosha pakati pezvirongwa zvaro, uye semugumisiro, hazvina kukwana. "
06 Trends in Retirement Revenue Approaches
Iyi ndiyo mharidzo pfupi yakapiwa naErnst & Young uye imwe yemakambani eRetirement Income Industry Association. Inopa marafu akawanda anoenzanisira kuti sei kutevera chimwe chinhu chakafanana nekugadzirisa kushandiswa kwekutaura (kunonzi seSPP) hakugone kushanda sezvamunofunga.
Vanofunga kuti mazano uye mazano ekurasikirwa haafaniri kuongororwa achishandisa mitambo yemitambo (kureva kudzoka kwemitengo, mari, kusagadzikana kwemitambo, nezvimwewo) asi inofanira kunge yakabva pamigumisiro yakadai sekusava nemari, kuvharira ngozi yekukundikana (ngozi yekutora mubhadharo mukurasira) uye kuwedzera kukosha kwekutsvaga kweimba yako yekupedzisira.
07 Kubva Pakutanga
Nokuda kwezvimwe zviwanikwa chengetedza nzvimbo ino naJohn Greaney. Ane ruzivo rwakakosha rwemashoko pawebsite yeRetireEarly. Akaisawo pamwe chete peji 68-peji pamusoro pekuita mari yekubvisa mari kubva kune chikwereti chekutsvaga kwekutsvaga uye kuverenga kwe "kuvhara kwakachengeteka". Anokwereta $ 5.00 pamushumo. Ndakatenga uye ndoiverenga. Iyo inoratidzika semafanisiro, saka gadzirira kugadzirira kuchikoro apo iwe ugere pasi kuti uverenge. Kana iwe uchida nzira yekudzidza iwe unofara nayo.
08 Kurega Imari Income Industry Association
The Retirement Income Industry Association (RIIA) inonyanya kutaura nezvekuita tsvakurudzo kune ruzivo rwemari yemunharaunda, saka ruzhinji rwekutsvakurudza kwavo runongowanikwa kune nhengo.
Kunyange kana iwe usina kukwanisa kutsvakurudza kwako unofanirwa kuongorora nzira yavo yepamusoro, iyo yandakabatanidza kumusoro, sezvo inopa hurukuro yepamusoro peji yekutambudzika kwekuedza kuronga upenyu hwemari. Kana iwe uri munharaunda, unogona kufungawo kuti uri nhengo. Ndaita.