Mutungamiri Wokutanga Wokutsvaga Kuita Kuti Mari Yako Ikubate
Saka wakasarudza kutanga kutora mari . Makorokoto! Pasinei nokuti iwe uri kungotanga iwe pachako, pakati pebasa rako, kuswedera kumakore ekurasikirwa, kana pakati pemakore ako endarama, izvi zvinoreva kuti iwe watanga kufunga nezvemangwana rako remari, uye iwe ungangwarira sei imba yako kuitira kuti iite basa rako.
Hapana munhu anotanga nyanzvi, uye kunyange vatengesi vakakurumbira munyika yose vaimbogara paunenge uri.
Ngatitange nemibvunzo miviri inokosha:
- Ndeipi iwe unofanira kutanga?
- Unotanga sei?
Iyo mibvunzo miviri ingaita seinovhiringidza, kunyanya kana wakatarisana nematambudziko ekutyisa mari - semutengo wekuwana mari yechikwata (p / e chiyero), mutengo wemari , uye kudzoka kwehutano . Asi kutanga nekutsvaga mari hakusi kunotyisa sezvazvinogona kuonekwa.
Yokutanga Kuisa Nhanho Iri Kuenzanisa Ndeapi Ndezvipi Zvinhu Zvaunoda Kuda
Ngatitangei nechokwadi ichi chinokosha: Pari payo, kuisa mari kunekuisa mari nhasi nekutarisira kuwana mari yakawanda munguva yemberi-iyo, kuverenga kwenguva , kuchinja kwehuwandu , uye kutengesa muhutengo hwezvinhu , zvinoguma mune chimwe chikamu chinogutsa kuwedzera kwegore negore , kunyanya kana ichienzaniswa nemitemo inofungidzirwa se "yakanaka" kukohwa .
Ndizvo chaizvoizvo; mwoyo wenyaya yacho. Iwe unoisa mari kana mari ikozvino, mune tariro yemari yakawanda kana zvinhu zvinodzoka kwauri mangwana, kana gore rakatevera, kana makore gumi anotevera.
Kazhinji nguva, izvi zvinowanikwa kuburikidza nekuwana kwezvinhu zvinobudirira.
Zvinhu zvinobudirira zvikwereti zvinowedzera mukati mari mari yakawanda kubva kune rimwe rudzi rwebasa. Somuenzaniso, kana iwe ukatenga mufananidzo, haisi iyo inobatsira. Makore zana kubva ikozvino, iwe uchave uine pikicha chete, izvo zvingave kana zvisingakodzeri mari kana mari shoma. (Iwe unogona, kunyange zvakadaro, uchikwanisa kuzvishandura kuva chinhu chinogutsa-chekuita nekuzarura musamuziyamu uye kubhadhara kupinda kwekuona.) Kune rumwe rutivi, kana iwe uchitenga chivakwa chemba, hauzovi neimba chete, asi mari yose inobereka kubva kubhadhara uye mari yebasa pamusoro pezana remakore. Kunyangwe kana chivako chikaparadzwa mushure memakore gumi, iwe uchiri nemari yekuyerera kubva mumakore gumi ekushanda - zvaungadai wakashandisa kutsigira mararamiro ako, akapiwa rudo, kana kuti akadzorerwa mune dzimwe mikana.
Rudzi rwega yega yezvigadzirwa zvinobudirira zvine zvigaro zvayo uye zvakashata, zvigaro zvepamutemo, mitemo yemitemo, mitemo yemitero, nezvimwewo zvakakosha. Kunyanya kutaura, kuisa mari muzvinhu zvinobudirira zvinogona kugoverwa muzvikamu zviduku zvikuru. Ngatitenderei kuburikidza nemhando mitatu yakawanda yezvikwereti: Stocks, bonds, and real estate.
Kuisa mari muStocks
Apo vanhu vachitaura nezvekutsvaga mari mumatanda, kazhinji zvinoreva kudyidzana mune imwe shamba, iyo imwe nzira yekurondedzera huwandu hwebhizimisi, kana bhizimisi kuenzana. Kana iwe pachako uchienzanisa mubhizinesi, iwe une kodzero yekugovera chikamu chebatsiro kana kurasikirwa kunokonzerwa nebasa racho rekushanda. Pamusoro pezvakawanda, zviyero zvakagara zvichive zvikomborero zvakanyanya boka revatengesi vachitsvaka kuvaka pfuma kwenguva asi vasingashandisi zvakawanda zvakakura.
Pangozi yekupedza simba, ndinoda kufunga nezvemabhizimisi ezvematongerwo ezvematongerwo emari sezvinouya mune rimwe remavhiri maviri - ari oga uye akatengeswa pachena.
Kuzviisa Pakutengeserana Kwemabhizimisi: Aya mabhizinesi asina maranho evanhu pamiganhu yavo .
Pakutanga kubva pakutanga, vanogona kunge vari pangozi yakakwirira, yakakwirira-mupiro wekutsvaga webhizimisi. Iwe unouya nemafungiro, iwe unogadzira bhizinesi, iwe unoshandisa bhizimisi iroro kuitira kuti mari yako isati iri pasi pemari yako, uye iwe unokura kwekufamba kwenguva, uchiita chokwadi kuti hausi kungove wakagadzirirwa zvakakwana nguva yako asi iyo yako huru, zvakare, ari kunyatsorapwa kuburikidza nekufadzwa nekudzoka kwakanaka mune zvakadarika zvaunogona kuwana kubva pakusara kwekutsvaga. Kunyangwe kushandiswa kwebhizimisi hakusi nyore, kuva nebhizimisi yakanaka kunogona kuisa zvokudya patafura yako, kutumira vana vako kukireji, kubhadhara mari yako yezvechiremba, uye kukubvumira kuti usiye pfuma.
Kuzviisa Kune Zvokutengeserana Mabhizimusi: Mabhizimisi ega ega dzimwe nguva anotengesa chikamu chavo kune vamwe vasiri varairi, mune imwe nzira inozivikanwa seApal Public Offering, kana IPO . Kana izvi zvichiitika, chero munhu anogona kutenga zvigaro uye kuva muridzi.
Mhando dzekutengeserana pamatokisi aunenge uine iwe zvingave zvakasiyana zvichienderana nezvimwe zvinhu. Somuenzaniso, kana iwe uri rudzi rwemunhu anoda makambani akatsiga uye kuvhara mari inoyerera kune vadzidzisi, iwe unenge uchizokwevedzwa nebhuruu-chip stocks , uye unogona kunge uine ukama hwekugovera chikwereti , kugoverana kwekutsvaga mari , uye kukoshesa kuisa mari .
Kune rumwe rutivi, kana iwe ukasarudza kunyanya kukwikwidzana kwepasitori yenzira nzira, unogona kukwezva kuisa mari mune zvemakambani akaipa , nokuti kunyange kuwedzera kuduku kwebatsiro kunogona kutungamirira kuruka rurefu rwakakura mumutengo wemari yematengo.
Kuisa muZvikwereti Zvakachengetedzwa-Zvikwereti (Bonds)
Paunotenga chikwereti chekuchengetedza mari, iwe uri kukweretesa mari kune mubhadhadzi webhangi mukutsinhanisa nemari inowanikwa . Kune nzira dzakawanda iwe unogona kuzviita, kubva pakutengesa zvitikiti zvekuisa uye mari yemisika yekuisa mari muhutano hwekambani , kubhadhara mitero kwemasisita emasisita , uye US bonds bonds .
Sezvo nematokari, zvikwereti zvakawanda zvakagadziriswa zvinowanikwa kuburikidza nekodhadhi yekwereti. Kusarudza mutengesi wako kunoda kuti iwe usarudze pakati pekutsvaga kana kushandiswa kwemhando yese . Paunenge uchitenga kambani itsva yekutengeserana, huwandu hwekutsinhanisa hunosiyana, kazhinji kubva pa $ 500 kusvika ku $ 1,000; kazhinji kunyange kuderera kweIRAs, kana dzidzo dzedzidzo. Zvimwe, iwe unogona kushanda nebhareji rekubhadhara rekutsinhanisa kana yekambani yekuchengetedza mararamiro iyo inoshanda pane fiduciary basis .
Kuisa mari mu Real Estate
Imari yekuisa mari inotengeswa inenge yakwegura sevanhu pachayo. Kune nzira dzakawanda dzekuita mari kuisa mari muzvivako , asi inowanzosvika kune imwe yekugadzirisa chimwe chinhu nekuitengesa kune purofisi, kana kuva nechimwe chinhu uye kurega vamwe vachichishandisa kuti vachinje kubhadhara kana kubhadhara mari. Kune vashandi vazhinji, dzimba dzakange dziri nzira yeupfumi nokuti inowedzera zvikwereti kushandisa shanduko. Izvi zvinogona kuva zvakaipa kana hutsva hwekutsvaga hukava murombo, asi, hunoshandiswa kune hutano hwakanaka, pamutengo wakakodzera, uye nemashoko akakodzera, inogona kubvumira munhu asina mari yakawanda yakakosha kukurumidza kuunganidza pfuma, kutonga imwe nheyo yakakura zvikuru yeasset kupfuura iye kana kuti ingadai isina mari.
Chimwe chinhu chingave chakavhiringidza kune varairi vatsva ndechokuti dzimba inogonawo kutengeswa sechinhu. Kazhinji, izvi zvinoitika kuburikidza nekambani inokodzera seimba yekutengesa mari, kana REIT . Semuenzaniso, unogona kuisa muhotera REIT uye kutora chikamu chako chemari kubva kuvashanyi kuongororwa mumahotera uye kumahofisi ezvinyorwa zvinoumba chikamu chekambani. Kune marudzi mazhinji akasiyana emaRIT; dzimba yepamusoro REITs, hofisi yehofisi REITs, storage unit REITs, REITs inonyanya kugadziriswa mudzimba dzepamusoro, uye kunyange kupakira gara REITs.
Iyo Inotevera Kuisa Nhanho Ndeyokusarudza Maitiro Aunoda Kuva Nezvimwe Nhaka
Kana wapedza kugara mukirasi yefasi iwe unoda kuva nayo, danho rako rinotevera nderokusarudza kuti uri kuitora sei. Kuti tinzwisise zviri nani pfungwa iyi, ngatitarirei mubhizimisi kuenzana. Kana ukasarudza iwe unoda danda mubhizinesi rekutengeserana pachena, unoda kuva nemapato acho zvakananga, kana kuburikidza nesangano rakakanganiswa?
Pfuma Yakakwana: Kana ukasarudza pfuma chaiyo, iwe uchave uchitenga zvikamu zvemakambani ari oga zvakananga. Kuita izvi zvakarurama kunoda imwe ruzivo rwezivo.
Kuisa mari mumatanda, funga nezvazvo iwe ungave wakabata mabhizimisi ari oga , uye yeuka kune nzira nhatu dzaungaita mari kuisa mari muchikwata . Zvinonzwisisika, izvi zvinoreva kutarisa pamutengo uripo uchibhadhara maererano nemari inokonzerwa nengozi inoyerera iyo asset inogadzira. Tsvaga kuti ungaverenga sei kukosha kwebhizimisi , kuverenga mari yakawanda yezvikamu uye kushandiswa kwebasa , uye kuenzanisa kune dzimwe bhizinesi mune imwecheteyo kana mabhizimusi. Verenga chirevo chemari uye bhadha . Tarisa kumakambani ekuchengetedza mararamiro , ayo anobata matanda makuru, kuti aone mhando dzevadzidzisi vemunharaunda mauri kuita.
Kugadziriswa Mumiriri : Anorema mazana evarimi vemazuva ose haasimari mumatanda zvakananga asi, pane kudaro, anozviita kuburikidza nemagadzirirwo akabatanidzwa, akadai sangano rekubatanidza mari kana bhazi rekutsinhanisa-inoshandiswa (ETF) . Iwe unosangana nemari yako nevamwe vanhu uye uchatenga wega muzvikwata zvezviverengi kuburikidza nechigadziro chakagoverana kana sangano.
Iyi nzira dzakakanganiswa dzinogona kutora mhando dzakawanda. Vamwe varimi vane hupfumi vanoita mari muhomwe yemari , asi vashandi vakawanda vanosarudza motokari dzakadai sedhizimusi-inoshandiswa mari nemari yekuenzanisa , izvo zvinoita kuti zvikwanise kutenga mapepafoliyo akasiyana-siyana pamatengo akadhura kupfuura zvaangagona kuzvipa ivo pachavo. Iko kunokonzerwa nekurasikirwa kwepedyo zvachose kwekutonga. Kana iwe ukasimwa mune ETF kana mutual fund, iwe uri pamwe chete nekufambisa, kusunungura zvisarudzo zvako kune boka duku revanhu vane simba rekuchinja sarudzo yako.
Chechitatu Chekutsvaga Kuita Ndekusarudza Kwamunoda Kubata Zvinhu Zenyu
Mushure mekunge masarudza nzira yaunoda kutenga mari yako yekutsvaga, sarudzo yako inotevera inotarisa kuti zvipimo izvozvo zvichaitwa sei. Ichi chisarudzo chinogona kuva nechinonyanya kukosha pane kuti mari yako inotengesa sei, naizvozvo haisi chisarudzo chekuita zvishoma. Zvisarudzo zvako zvinosanganisira zvikwereti zvezvekwereta zvinotengesa, Traditional IRAs , Roth IRAs , Simple IRAs , SEP-IRA, uye zvichida kunyange mhuri isingabatanidzani (iyo inogona kuva nemutero wemari uye zvipo zvekubhadhara mutero kana zvikashandiswa zvakanaka).
Ngationei muchidimbu zvimwe zvezvikamu zvakakura.
Mitero Inotengesa Mutero: Kana ukasarudza kambani yakabhadhara, yakadai sekambani yezvekwereti , iwe uchabhadhara mitero munzira, asi mari yako haifaniri kuvharirwa. Iwe unogona kuripedza asi iwe unoda, chero nguva. Iwe unogona kuitenga iyo yose uye kutenga imba yegungwa. Iwe unogona kuwedzera zvakanyanya sezvaunoshuva nazvo gore roga rega, pasina chikamu. Icho ndicho chakakosha pakugadzirisa asi iwe unofanirwa kupa Ambuya Sam wake akacheka.
Matura emitero: Zvigadziriswa zvekushandira semari semakumi mana (k) s kana Roth IRAs inopa mitero yakawanda inobatsira. Mimwe mitero-inoderedzwa, iyo (kazhinji) inoreva kuti iwe unowana kubhadhara mutero panguva yaunoisa mari yacho mukodha, uye uzobhadhara mitero mune ramangwana, zvichikubvumira gore negore rekutere-kutengesa kukura. Vamwe havatori mutero, zvinoreva kuti iwe unozvibhadhara nematare emitero mushure mekunge (verenga: hauna kuwana kubhadhara mutero), asi iwe hauzombobhadhara mitero kune imwe yenheyo dzekutsvaga inowanikwa mukati mekodha kana mari iyo iwe dzosira iyo gare gare muupenyu. Kuronga kwakanaka kwemitero, kunyanya pakutanga kwebasa rako, kunogona kureva hupfumi hwakawandisa mumugwagwa sezvo zvikomborero zvinowedzera pavari.
Zvimwe zvirongwa zvekurega basa uye nhoroondo dzinobatsirawo kudzivirirwa kwezvinhu. Somuenzaniso, vamwe vane zvikwereti zvisingabatsiri kudzivirirwa, kureva kuti kana iwe uchitambura nedambudziko rezvoutano kana chimwe chiitiko chinosunungura bhizinesi rako rega uye rinokumanikidzira kuzivisa kubhadhara, kubhadhara mari yako yekusarura hakuzovi kwevanosvika pakwereta. Vamwe vane zvikwereti pamusana pekudzivirirwa kwezvinhu zvakapiwa kwavari, asi vachiri kupinda mumatanho manomwe.
Zvitendero kana zvimwe zvekuchengetedza kwekuchengetedzwa kwemari: Imwe nzira yekuita kuti iwe uwane mari yako kuburikidza nemasangano kana zvivako zvakadai sekuvimba mari . Kune humwe hukuru hwekugadzirira uye kubatsira kwekuchengetedzwa kwemari yekushandisa maitiro aya chaiwo ega, kunyanya kana iwe uchida kudzivisa kuti mari yako inoshandiswa sei mune imwe nzira. Uye kana uine zvakawanda zvekushandisa zviwanikwa kana zvivako zvekutengesa, iwe unogona kutaura neanomurairi wako nezvekugadzira kambani inobata.
Muenzaniso Wekuti Mutengesi Watsva Anotanga Kutanga Sei?
Nekugadzirisa nzira, ngatitarisei kuti mushandi wekutsvaga angatanga sei kuisa mari.
Chokutanga, achifunga kuti hausi wekuzvidzivirira, nzira yakanakisisa yekuita ingangove yakanyoresa 401 (k) , 403 (b) , kana mamwe mazano ekurasikirwa nemari kumashandiro nekukurumidza nokukurumidza. Vashandi vakawanda vanopa imwe nzira yekufananidza mari kusvika kune imwe nzvimbo. Somuenzaniso, kana waunoshandira akapa 100% muzana pamatatu ekutanga emari yemari, uye iwe unowana $ 50,000 pagore, izvo zvinoreva pa $ 1 500 yekutanga iwe wakadzivisa kubva pahomwe yako uye ukaisa muhodhi yako yekurega, mushandi wako achaisa kambani yako yekusabhadhara imwe $ 1,500 mune mari isina mutero.
Zvingave kana kwete iwe waunoshandira anopa zvinoenderana, zvakadaro, iwe uchada kuisa mari yaunenge uiisa munhoroondo. Vako 401 (k) vangave vaine chisarudzo chisina kukwana, asi sarudza mari imwe chete kana mamwe motokari dzinotengeswa dzinonyatsoziva nezvezvinodiwa mune ramangwana. Sezvo mari inowanikwa nyore nyore kuakaunti yako nebhadharo rimwe nerimwe, ichaiswa kune iyo inotengeswa.
Zvadaro, achifunga kuti iwe unowira pasi pemubhadharo wemari yekukodzera kudiwa , iwe uchada kubhadhara Roth IRA kusvika kumiganhu yakawanda yemipiro inobvumirwa . Iko $ 5,500 kune mumwe munhu muduku kudarika makore makumi mashanu, uye $ 6 500 kune mumwe munhu mukuru kune makore makumi mashanu ($ 5,500 kubva mubhadharo + $ 1 000 yekukohwa-mupiro). Kana iwe wakaroora, kakawanda, iwe unogona kukwanisa kubhadhara Roth IRA yako pachako. Iva nechokwadi chekuisa mari yako yaunogara imomo - nekusara, vaterezi veIRA vachapinza mari yako mumoto wakachengeteka, wakadzika-soro semari yemari yemari kusvikira iwe uchitungamirira kune imwe nzira, saka sarudza kuti ndeupi mutengo wemari, ETFs, kana kuti mamwe masimba aunoda kuisa mari yako.
Kana ukangotarisa zvakadai semari yemari sezvinobhadhara mari yekukurumidzira uye kubhadhara chikwereti, iwe unoda kudzokera kune yako 401 (k) uye wobva wabhadhara zvakasara (kunze kwemuganhu wakatarwa watove wakabhadhara mari) kune chero zvipi zvayo iwe unobvumirwa kushandisa zvakanaka gore iroro. Nezvo zvakaitwa, unogona kutanga kuwedzera mari yekutengesa kumakero ako ekubhadhara, zvichida kupinda muchikwata chekutenga zvakakwana , kuwana pfuma, nekubhadhara mamwe mikana.
Yakagadziriswa zvakanaka pamusoro pebasa rakakura uye nekutora zvikwereti zvakagadzirirwa nokungwarira, zvinogona kuwedzera mikana yako yekubvisa mari yakanyanyisa.