Kusarudza kana Mutero-Usina Munis Wakarurama KwePodfolio yako
Kuisa mari mumatareji emasitrasi asingabhadhara mutero ndeye tsika-inoremekedzwa nguva pakati pevatengesi vemari vasina kukwana vanoda kushamwaridzana nemugove wekusarura mari kubva kune chikwata chekufarira , iyo isingabhadharwi mutero pasi pemamiriro ezvinhu akanaka, asi ichibatsira kubhadhara mari inoshandiswa nzvimbo dzavanogara; kuchengetedza mari iyo iine chivimbo chakanaka kuburikidza nekuvaka zvipatara, mabhiriji, mabwendeji, zvikoro, nezvimwe zvakakosha uye zvinodiwa uye zvivako.
Icho hachisi kuwedzeredza kutaura kuti kuisa mari mumasisheni emasangano kuri kuita basa rekubudirira.
Asi magwaro emasimende, kana munis sezvavanowanzozivikanwa, ndeye rudzi rwakasiyana-siyana rwekuchengetedzeka kwemari yakagadziriswa nemashoko ayo, njodzi, mubayiro, uye mikana. Ndinoda kutora nguva yekukuzivisa iwe kusingabhadhara mitero yemasisita emunharaunda, kukupa maonero epamusoro-soro ezvimwe zvidzidzo, tsanangura chikonzero chekuti zvimwe zvinhu zvakakosha, uye zvinokuratidza kuti uri munzira yekuverenga zvakare kana ichi chiri nzvimbo yaunofarira.
Kana iwe uri mugari weUnited States, zvinonyanya kunetseka kuti, nokukurumidza kana kuti gare gare, masisita ehurumende ichava chikamu chenyaya yako yehupfumi kana iwe uine mvumo yekukosha kwechinhu chinokosha. Zviri nani kuti uzvizive navo pakutanga kuitira kuti iwe uite kukura zvakanyanya nekushanda kwavanoita, uye mamwe ematambudziko, nenguva yaunotanga kunyora kuongorora kuti uwane.
Zvose Zvinotarisirwa Zvikwereti uye Zvikwereti Zvokubhadhara Mutero-Pasina Masimba eMasitadhi
Ndinoda kutanga nekupinda mumhando mbiri dzemasisita emasungwa iwe unogona kuonana apo iwe unotanga kutsvakurudza iyi imwe yefa yeasset. Ikokutanga inonzi inosungirirwa kusungirirwa komasungwa masangano, kana kuenda kwechidimbu, uye inotsigirwa nekukwanisa kwemasunharaunda akavatumira kubhadhara mitero.
- Zvose zvinosungirwa zvisungo zvinoshandiswa kubhadhara mapurojekiti akadai sezvikoro uye magadzirirwo emvura. Zvinoratidzika zvakachengeteka kutaura kuti iyo inowanikwa mumasuo ehurumende yevatengesi vanofunga kubhadhara kusungirwa kwezvisungo kune yakachengeteka kudarika zvavanowana mari yekusungwa; pfungwa isina kururama yokuti haufaniri kutenda.
- Revenue munis, zvakasiyana, inokonzerwa nehurumende chaiyo kana hurumende yepamutemo inosungirwa semakambani ehurumende. Chido chacho chinoshandiswa, kana chabhadharwa, nemari inowanikwa kubva mubhizinesi iyo inotsigira chisungo. Munyaya yekambani yemvura, vashandi vanobhadharwa kubva pamari inokonzerwa nevatengi vachibhadhara mabheji avo.
Mitero yeMitero yeMitero-yeMasimende yeMaspala
Pamwoyo wekutsvaga kwezvisungo zvemasimende ndeye kurapa kwemutero kunokomborera vatengesi kuti vaite mari munzanga. Hasi chete hurumende yeHurumende inodzinga zvikwereti izvi kubva kuHurumende yemitero, iyo inogona kuchengetedza avo vari mubhadharo yepamusoro yepamusoro inokwana 43.4% yekutengesa mutero pakati pepamusoro-soro yemari uye yemutero weMedare, asi kana iwe uchigara mune hurumende yakabudisa mahofisi bhandi, iwe haufaniri kubhadhara mitero yehurumende, zvimwe.
Izvi zvinoreva, kune muiti wezvakanaka mumamiriro ezvinhu akakodzera, kodzero yakasununguka yemasuo emasisita emunharaunda inogona kunge inofadza kubata.
Zvechokwadi, pasinei nekuonekwa kuti inopa zvishoma kudarika zvibvumirano zvehurumende , zvinokwanisika kune musero musasununguti wemunharaunda kubhadharisa zvakawanda pamutero mushure mekunge. Kuti uone kana ichi chiri icho, unofanirwa kuenzanisa zvibereko zviviri uchishandisa chimwe chinhu chinozivikanwa semutero unobhadhara zvakaenzana. Iko shanduro yemutero unobhadhara yakaenzana pamasisita emasisita ndeye nyore. Ndiyo: Mutero Unoregererwa Kubhadhara ÷ (1 - yakanyanya kutengesa mutero inoshandiswa kumari yekuwana mari).
Mufananidzo unogona kubatsira. Fungidzira iwe uri mubhadhari wepamusoro-fuma nemari inowanikwa pasi yevanomwe vanogara muCalifornia saka iwe unowanzofanira kubhadhara 43.4% muZimbabwe yepamusoro, uye 13,3% muhutano hwematongerwo enyika pane zvakaipisisa zvekuwana mari yako .
Sezvo Mutero weHurumende unogona kuderedzwa kubva kuhuwandu hwemitero yehurumende, iwe unotofanira kungobhadhara chete iyo 13.3% yehurumende mutero pa 56.6% yemutero wako usati wabhadhara, zvichiita kuti pave nehuwandu hunobudirira huwandu hwe7,53% pamusoro pe 43.4% iwe unobhadhara kune IRS.
Izvi zvinoreva, zvose zvinosanganiswa, unofanirwa kushandisa 50.93% kuitira shanduko mumutero usingabhadharwi wekukohwa kuverenga.
Iwe uri kutarisa mutero musingabhadharwi mushumo weRwiziside California yakaratidza AA neS & P uye Aa2 naMoody's. Iyo inokura musi waAugust 1, 2032 asi inogadzika kuitira kuti zvibereko kusvika pakukura kwe 2.986% zvakakwirira kudarika zvibereko-zvakanyanya, izvo zvinokwana 2.688%. Muchiitiko ichi, nokuda kwekuchengetedza, tinotora kuti zvibereko zvakanyanya kuitika zvinowedzera kuitika uye kuenda nema 2.688% muzinga. Ko mari yakawanda inobatanidza hutano inofanira kudii kukupa iwe imwe chete mushure mekubhadhara mari? Tingazotora mutero wakaenzana wekurima mazai uye ipaki mune zvatinoziva:
- Nhanho 1: 2.688 ÷ (1 - 0.5093)
- Danho 2: 2.688 ÷ 0.4907
- Mhinduro: 5.48%
Izvozvo zvinoreva kuti, kuguma nemabhadharo chaiwo emutero wemutero, iwe unoda hutano hwehutano hwekufananidzwa kwehutano huri kukura muna August we2032 kukubhadhara iwe 5.48% kuti urege kuputsa kunyange nemutero usasungwa musungo iwe uri kufunga.
Kutarisa nekukurumidza pane zvinyorwa zvekutsvaga kune imwe huru yekambani yemari yekutengeserana inoratidza kuti pedo iwe unogona kusvika kune chero chinhu chiri mumakwikwi aya panguva iyo zvikwangwani zvakarongwa AA + neS & P uye A1 naMoody's for General Electric Capital vachikura muna December 15, 2032.
Vane muchero wekukura we 3.432% uye havasi-callable naizvozvo hapana chibereko chinowedzera. Icho hachisi kunyange pedyo. Iwe hauzove nebhizimisi kutenga bhizimisi mabhizimisi ehurumende pasi pemamiriro aya. Mukana wako wega wega unoita kuti ivo vasakwanisa zvakare.
Imwe nzira iyo iwe unogona kubvumirana nayo kodhi yemitero ndeyokushandisa sarudzo inonzi yakashandiswa kuiswa . Iwe haungambodi kuva nemitero yemasisita emumatare emitero mukati mematoro emitero akadai saRoth IRA nokuti iwe unenge uri nani kutenga zvikwereti zvakasununguka zvehutano hwekambani sezvo zvisingabhadharwi neFederal uye State mutero apo mukati mekudzivirirwa kunovhara iyo yakakosha nhoroondo.
Saizvozvowo, masangano asina ruzivo, masangano ezvipo, uye mamwe masvingo edzimba, semari yemari yekupa dzidzo yepamusoro, zvakafanana haazomboshandisi mari yekusungirwa kwemitero musasita sezvo ivo vanenge vachitsvaga kuwana zviri nani kubata kune dzimwe nzvimbo.
Kusarudza Ndezvipi Zvisingabhadharwi Mahofisi eMasisita Akachengetedzwa Zvakakwana Kufananidza Mari Inoshandiswa
Kunze kwekuti iwe unoda kuisa nguva yakawanda yenguva uye simba kuti unzwisise hutano hwehumwe hurumende hune hurumende, iyo inogona kungoita seyakarurama kana yakatsaurirwa iyo inotora kana iwe uri kuisa mazana ezviuru kana mamiriyoni emadhora, pane zvishoma zvishoma inowanikwa pamusoro pehupfumi hwehupfumi huripo.
Nenzira yakanaka, matareji mazhinji achabhadhara kuva nehurumende yehutano yehutano inopa maitiro kumabhadharo avo emunharaunda musunhare mune tariro yekukwezva vatengesi. Vazhinji vatengi vanofarira vanoreva vanhu vazhinji vanobhadhara zvikwereti, izvo zvinoderedza chido chekuda uye chibereko, kuchengetedza masisita mari.
Vaongorori vebazi rehurumende vanoshandisa nguva vachigadzirisa hutano uye kuchengeteka kwemahofisi ehurumende yehutano, vachitarisa zvinhu zvakadai sechirongwa chokugoverwa, kufungidzira kana bvumo inofanira kuva yekushambadzira grade kana kwete. Zvimwe zvemasimende zvisungo hazvina kuverengwa, mumamiriro ezvinhu akadaro muzvikwereti angafunga kuti achapfuura zvachose kana, kana ivo vachiomerera kutsigira chisungo chaicho, kunyanya kutsvaga mukutsvaga muganhu wekuchengeteka.
Kune avo vanoda kutsvaga kuchengetedzwa kwemabhengi enyu emasisita asingabhadhara mutero, baba vane kukosha kwekutsvaga mari, Benjamin Graham, vaiva nemamwe mazano mumushandisiro weKuchengetedzwa kweHarare . Semuenzaniso, pane zvishoma, iwe unenge uchida nguva dzose uchida kuva nehuwandu hunodiwa nevanhu, nhoroondo yekubhadhara mari nguva, uye hupfumi hwakasiyana-siyana huri kutsigira mari inoyerera.
Pamusoro pezvose, iwe unoda kuziva 1.) ndiani ane basa rekushandira chikwereti chekufarira uye nekuzadzika kukuru kwemashure kwezvisungo, uye 2.) hupfumi huri pasi pehupi, zvose mukukwanisa nekuda kuita zvakanaka pane zvipikirwa zvaro. Pane imwe nhoroondo yakafanana, imwe yenjodzi huru yaunosangana nayo, kunyanya neyemazuva akawanda asingabhadhara mitero yemasisita emunharaunda, ndiyo ngozi yekutengesa.
Mifungo Yakawanda Pamusoro Pokubhadhara MuMitero-Mahofisi Makasimasi eMasitra
Kunze kwezvikonzero izvi, iwe unofanira kufungisisa nezvezvinhu zvaunofunga nezvimwe mhando dzezvikwereti zvinotora mari . Semuenzaniso, kana iwe uine mari yakakwana yekutsvaga nguva, kana uine nguva yakareba yekugara kwehupenyu nekuwedzerwa kwekutsvaga kwekutsvaga kwekutsvaga, iwe unenge uchikwanisa kuderedza dambudziko rako nekuwedzera chibereko chako chakanaka kuburikidza nekuvaka shanho yemasistikiti .
Iwe unoda kuramba uine ziso pamamiriro ezvinhu emubhadhara wezvisungo - tarisa kuti kutora kweDetroit kwakashandurwa sei kwemazuva - kuchenjerera kuti hungwaru hahukukudze kuti utengese bhandi matambudziko asati asvika kure kugadzirisa uye mukuru wako ari pangozi.
Iwe unogona zvakare kuongorora bhuku rakanakisa nemukadzi anonzi Annette Thau anonzi The Bond Book . Yakanga yakanyorerwa avo vane zvishoma kana zvisungo zvekusungwa uye vanofukidza zvose zvinoshandiswa nemuridzi wekuda kuziva. Ndinokurudzira zvikuru.