Dzidza Unhu hweChirongwa Chakanaka Chokugara
Kune miviri miviri mikuru yekambani inotsigirwa zvirongwa zvekurega basa: zvirongwa zvinorondedzerwa zvekubatsira uye zvirongwa zvakatsanangurwa zvezvipo.
Rimwe rinorondedzerwa-rubatsiro rinoshandiswa nemushandirwi anoronga chirongwa chekushandiswa kwebasa kunoverengerwa kushandisa chirevo chinotarisa zvinhu zvakadai sekureba kwebasa uye nhoroondo yemari. Kana iwe uchikodzero yepenjeni kubasa, iwe wakawandisa zvikuru nehuwandu hwevashandi vasingakwanisi kuwana chirongwa ichi cherongwa. Zvichiri kukosha kutora nguva yekunzwisisa zvamunowana mari mukutora mari.
Kana iwe usingakwanisi kuwana penheji kuburikidza nemushandirwi wako, mushandirwi wako angangodaro anopa rumwe rudzi rwerongwa rutsananguro rwebatsiro. 401 (k), 403 (b), zvirongwa 457, uye Zvigadziro Zvokuchengetedza Zvimwe ndezvimwe mienzaniso yakakurumbira yezvirongwa zvezvipo. Nezvirongwa zvinorondedzerwa zvezvipo mushandi anoita zvakawanda zvezvipo zvepurogiramu uye anotungamirira masimba.
Chii chinoparadzanisa zvakanakisa kambani inotsigira zvirongwa zvekurega basa kubva kune vamwe vose?
Heano zvimwe zvikonzero zvaunofanira kufunga musati wasarudza kubatanidzwa mumushandirwi akarongerwa chirongwa:
Kukodzera: Dzimwe sangano rinotsigira zvirongwa zvekurega basa zviripo musi weSvondo 1. Vamwe vanoda humwe hurefu hwebasa vasati vashandi vakakodzera kutora chikamu. Muchidimbu nguva yekumirira hurongwa hwako hwokurega basa kubasa, nokukurumidza iwe uchakwanisa kupindira muurongwa hwekubvisa basa.
Mupiro Mitsara: IRS inogadzirisa mitemo yekuti iwe unogona sei kuwedzera pakujekesa zvirongwa zvezvipo.
Makambani anokwanisa kuisa mimwe mitemo iyo inogona kunge yakaderera pane muganhu we IRS. Semuenzaniso, vamwe vashandi vanogadzirisa zvipo zvenyu zvizere kune chikamu chemari yako asi vamwe vanorega zvipo zvekutora. Zvakakosha kuziva kuti iwe unogona sei kugovera kambani inotsigirwa chirongwa.
Kufananidza Mazano: Mazano akawanda ekurasikirwa achapa zvikurudzira zvakakosha kukurudzira kubatanidzwa uye kupa nhoroondo yako kukurumidza kukurumidza. Mushandi anoenderana nemigiro haafaniri kudiwa, asi kazhinji kacho chimwe chezvinhu zvakakosha zvinoitwa nevashandi vanowanzoisa pfungwa pavanongoronga zvirongwa zvekurega basa. Kuenzanisa kukurudzira kunokusiyana nemazana. Mienzaniso yakakurumbira inosanganisira 50 muzana mazana pakutanga 6 muzana yakapiwa kurongwa. Izvi zvinoda mupiro we 6 muzana yemari yekuwana kuwana 3% yekambani yemakwikwi. Vamwe vashandi vanofananidza zana muzana yemipiro zvichikwira 6% yekutanga (kana kupfuura). Kunzwisisa kambani yako kuchakubatsira kuti uve nechokwadi chokuti hausi kusiya chero mari yega patafura. Inokubatsirawo kuongororai zvikwereti zvacho zvakakwana kana iwe uri kuongorora kubudirira uye kushaya kubatana nekambani.
Kuvhara: Kuvhara izwi rinoshandiswa kutsanangura kuti mari yako yekusarura mari inogona kutora sei iwe paunobva kambani yako.
Iwe unogara uchigadzirirwa muzvipo zvako. Kuva "kupiwa kamwe" kunoreva kuti iwe une 100% yekusvika kumushandi anoenderana nemipiro. Zvimwe zvirongwa zvekugovera zvinoda kuti unamatire kune imwe nguva yakareba usati watora michero yako yakafanana newe paunobva mubasa rako.
Mari yekutsvaga mari nemitero: Ichi ndicho chimwe chezvirevo zvakanakisisa zvekutsvaga kwekutsvaga kwekuita basa. Asi kune zvakawanda zvakasiyana siyana zvinogona kubhadharwa zvinosanganiswa nemishonga yekurega basa uye hurongwa hwehutano hwepamusoro uye mari inokonzera kubhadhara kwako kwekutsvaga kwemari panguva. Ndicho chikonzero nei zvakakosha kunzwisisa rudzi rwemari uye mari mukati meurongwa hwako uye kuti unoenzanisa sei nevamwe. Nerdwallet uye FeeX inopa mari yekuongorora mari yekubatsira kubhadhara mari yakavanzwa uye mari.
Kunyoresa uye Kunakidzwa: Inonyanya kushandiswa nevashandirwi vanoita basa rekurasikirwa yakagadzirirwa kushandura mafungiro emari ekuchenjera.
Iwe haufaniri kusarudza kana kuchengetedza kubhadhara kana kubata usiku kunze kweguta pose paunowana mubhadharo. Izvi zvinobvumira nzira iri nyore uye yakajeka yekuchengetedza kubhadhara. Zvisinei, imwe kambani inotsigirwa zvirongwa zviri nyore kuwana kune vamwe kuburikidza nemhando dzakasiyana-siyana dzepurogiramu uye mapurisa epakombiyuta.
Asset "Nzvimbo": Mhedzisiro yenzvimbo yepfuma inoreva mitero yekusiyana kwemitero mukati mekambani inotsigirwa nekambani. Maitiro emararamiro epamberi anotendera kubhadhara mitero isati yatora iyo inopa hupfumi hwemazuva ano asi inotungamirirwa nemitero yemari kana kuregererwa kunotorwa panguva yekurasikirwa. Zvisarudzo zveRoth zviri kuwedzera kukurumbira uye zvinopa iwe sarudzo yekupa mari mushure mekutora mari iyo inogona kukura musero. Kusiyana neRoth IRAs, Roth 401 (k) s haisi pasi pemitsara ipi yekupihwa. Roth inopa zvinhu zvinowedzera kushanduka uye inonakidza kana iwe unofunga kuti uri mune imwechete kana kuti yakakwirira bheji yemari apo iwe unoronga kushandisa dendere rako rekurasira mazai.
Mari yekutsvaga : Mutengo wemari ndiyo inonyanya kuzivikanwa motokari yemari yekambani inobhadhara mari yekurasikirwa kwemari. Dzimwe sarudzo dzekutsvaga mari dzinosanganisira zvinhu zvakadai sematokisi , mari yekuenzanisira , uye zvivako zvekutengesa zvivako . Imwe kambani inotsigira zvirongwa zvinopa nzira dzekutengeserana dzinozvitungamirira dzinoita kuti vashandi veI DIY nevaya vanoshanda nevarayiridzi vezvemari kuti vasarudze kubva pane zvakasiyana-siyana zvekusarudzwa kwekutsvaga. Chirongwa chakanaka chekurega basa chinopa maitiro akasiyana-siyana ekutsvaga kwekutsvaga kwemaoko nemaoko nevarimi vemaoko . Kuwanikwa kweasset allocation funds uye / kana tarisiro yezuva rekubhadhara mari inopa vanopedza basa rekusiya basa neye-stop stop-shop nzira dzekuwana ruzivo rwemahofisi akasiyana-siyana asi pasina kuve guru guru rekutsvaga mari kana kutarisa reta rekusimwa nguva dzose.
Nhungamiro yeAsset Allocation uye Zano: Kugoverwa kwemafa isarudzo yekutsvaga yakagadzirirwa kubatsira venguva refu vatengesi vanoparadzira mari yavo pamusoro pemhando dzakasiyana-siyana dzekutsvaga mashizha. Chinangwa chekutanga ndechokuti kuwedzere kudzoka kwehuwandu hwehuwandu hwemungozi. Izvo zvikonzero zvikuru zvinogadzirisa sarudzo yekugoverwa sarudzo inosanganisira nguva yekutsvaga kwekutsvaga uye kushushikana kwehutano kunobatana nekuchinja kana kusagadzikana kwemakadzo pane hutsvaga. Vazhinji vekambani vakatsigirwa zvirongwa vakawedzera zvigadzirwa zvinopa mafairo ekugovera mazano uye mazano ekutsvaga mari apo vamwe vanopa dzidzo yemari isina kufanira. Zvimwe zvea-munhu uye zvishandiso zvepaIndaneti zvinowanikwa pasina mari yakawedzerwa apo vamwe vane mari yekugadzirisa mararamiro. Kushandisa zviripo seasset allocation tool zvinogona kukubatsira kuti ugadzire mararamiro akasiyana-siyana ekutsvaga mari yehupfumi nehutungamiri hunyanzvi.
Kubatikana kuburikidza neHurongwa hweHupiro Hwokubhadhara Mutero uye In-Plan Plan Rollovers: Vakawanda varonga zvemari vanokurudzira kushandisa zvirongwa zvekurega basa sechisarudzo chekupedzisira. Kunyange zvazvo zvikwereti zvinopa kuwanikwa kwezvinhu zvako, zvinogona kukuita kuti urege kurasikirwa nehuwandu hwemari yekudzoka. Asi kune avo vanoda nzira shoma yekugadzirisa chikwereti idzi zvikwereti zvinogona kuva sarudzo inofanirwa kuongororwa. Zvimwe zvirongwa zvekurega basa zvinobvumira kushandiswa kwe-kushandiswa kwebasa kana uchisvika makore makumi mashanu nemashanu. Izvi zvinowedzera kushanduka kunoita kuti vashandi vanogadziriswa vauye mukana we rollover yekurasikirwa kwepurogiramu mari kune IRA pavanoramba vari pabasa.
Automated Investment Features: Zvikwereti zvinotsigirwa nekambani zvinogona kuita zvinopfuura kungoita kuti purogiramu yekuchengetedza basa iri nyore uye iri nyore. Kushandura kuwirirana kwezvinhu zvinogona kukubatsira iwe kubatana nemari yako yekugovera nzira panguva dzekutengeswa kwemashamba. Mupiro wekuwedzerwa kwekuwedzera kwezvinhu zvinokubvumira kuti uwedzere kuwedzera zvipo zvako munguva. Zvinhu izvi zvakawanikwa mukati mezvirongwa zvakawanda zvinobatsira kutora smart decision-making-making.
Mushandi wemari anobhadhara mari yekubvisa mari anobatsira zvose kambani inogadzira chirongwa uye mushandi anobatanidzwa mairi. Zvirongwa zvakanakisisa zvinopa ruzivo rwakawanda runosanganisira huzhinji hwezvinhu zvakasarudzwa pamusoro apa.
Ungaenda kupi kuenzanisa urongwa hwako hwokurega basa kune vamwe?
Nzvimbo yakanakisisa yekutanga kuongorora chirongwa chekugara chiripo ndechekubatana nevashandi vako uye kuongorora mapepa ako ekurasira mapepa. Urongwa hwehupfumi hwehupfumi huri nani kubudirira mumakore achangopfuura apo zvinouya pakurambidza zvinhu pasi nyore nyore kushandisa mazwi. Kunyange zvakadaro izvi zvinogona kuva basa rinotyisa kana iwe uchinzwa uchinetseka nedhigirizhonga yepamhizha uye yemutemo. Brightscope inopa rubatsiro kuongorora zvakasiyana-siyana zvevashandirwi-zvakabhadhara zvirongwa zvekurega basa uye unogona kufananidza hurongwa kune makambani akafanana.