Vanoita zvinopesana nezvinodiwa zvavo zvakanakisisa kuburikidza nokuita zvipenzi, zvinokanganisa mafungiro.
Ndicho kushayikwa kwekufungidzira, kusanganiswa nekushaya kukwanisa kuomerera nehuwandu hunotungamirirwa kana hutsika-hwakatarisana nehutano hwekutsvaga kutengesa panguva yekuongorora kushambadzira nguva, iyo inotsanangura tsvakurudzo kubva pane zvidzidzo zvakabudiswa naMatstarstar nevamwe vanoratidza kudzoka kwevatengesi vanowanzoenda kure yakaipisisa kupfuura iyo inodzoka pamatokisi avo varairi vayo!
Zvechokwadi, mune imwe chidzidzo, panguva apo mashizha akadzoka 9%, uyo anowanzoita mutengesi akangowana 3% chete; chiratidzo chinotyisa. Ndiani anoda kurarama saizvozvo? Iwe unotora dambudziko rose rekuita matokisi uye unofara chikamu chiduku chemubairo nokuti wakanga wakabatikana uchiedza kubatsirwa kubva nokukurumidza flip panzvimbo yekuwana mabhizimisi anobudisa mabhizimusi anokwanisa kukugeza nemari kwete kwemakore anotevera chete, asi makumi emakore uye, mune zvimwe zviitiko, kunyange zvizvarwa apo iwe unodarika zvaunotora kuvana vako nevana vevana kuburikidza nechep-up-based basis .
Ndinoda kutarisa zvikamu zvitanhatu zvezvikwereti zvinowanzojairika zvandinoona pakati pevatengesi vatsva kana vasina ruzivo. Kunyangwe urongwa hwechokwadi husati hwakazara, hunofanira kukupa hutano hwakanaka hwekutanga mukugadzira zvidziviriro pamusana pezvisarudzo zvingadzoka kuzokutambudza mune ramangwana.
Kubhadhara Zvakawandisa Kune Imari Yakabatana Nebhadhiro Yaro Inofamba
Chero upiwe mari yaunotenga ndeyekupedzisira hauna kukosha, uye kwete, kudarika kukosha kwezvino kwekuderedzwa mari inoyerera iyo ichabereka.
Kana uine purazi, chitoro chezvitoro, reresitorendi, kana nhengo dzeGener Electric, chii chinokosha kwamuri mari; kunyanya, chirevo chinonzi kutarisa kubudirira .
Iwe unoda kutonhora, chemari yemari inopinda muhomwe yako yepfuma inoshandiswa, inopiwa kuvano, kana kudzorerwazve. Izvozvo zvinoreva kuti, pakupedzisira, kudzoka kwaunowana pamubhadharo kunobva pane mutengo waunobhadhara maererano nemari iyo inogadzira. Kana iwe uchibhadhara mutengo wakakwirira, iwe unowana kudzoka kwakaderera. Kana iwe uchibhadhara mutengo wakaderera, iwe unowana kubhadharwa kwakakwirira.
Mhinduro: Dzidza midziyo yekutengesa yepamusoro yakadai senhamba yeP / E, yehutano hwe PEG , uye chikamu chinokonzerwa nePGG . Uzive kuenzanisa kuenzanisa kuwanikwa kwemari yekukohwa kwechikwata kune nguva yakareba yeHurumende yezvisungo zvibereko. Dzidza Gordon Dhauriro Discount Model. Ichi ndicho chinhu chinokosha chinowanikwa mu freshman finance. Kana iwe usingakwanisi kuzviita, iwe uri mumwe wevanhu vasina bhizinesi vane mazvitoro.
Pane kudaro, funga pasi-kudhura index index fund investing . Kunyange zvazvo mari yekuongororwa yakave ichigadzirisa zvinyararire nzira dzavo mumakore achangobva kupfuura, dzimwe nzira dzandinofunga kuti dzinokuvadza kune venguva yakareba vatengesi sezvandinofunga kuti maitiro acho akawandisa zvakanyanya zvichaita kuti kuderera kunodarika kudarika maitiro ezvakaitika kare ingadai yakasara panzvimbo - chimwe chinhu chisingaitiki chatakapiwa chatasvika pane imwe nzvimbo iyo $ 1 kubva pamadhora mashanu ega inotengeswa mumusika inowanikwa mune mari yekuenzanisira.
Zvose zvimwe zvakaenzana, hatina, asi zvakadaro, takayambuka Rubicon apo zvakanakira zvakapererwa nezvisingaiti, kunyanya kana uri kutaura nezvemuti wekusima mari mukodhi yakachengetedzwa.
Kubhadhara Mari Nezvinoshandiswa Zvakanyanya Kupfuura
Zvingave iwe uri kuisa mumatokari , kuisa mari muzvisungo , kuisa mari mune zvekugadzirisa mari , kana kuisa mari mune zvekugara , zvinodhura nyaya. Chaizvoizvo, vanonyanya kukoshesa. Iwe unofanirwa kuziva kuti ndezvipi zvinodhura zvinonzwisisika uye izvo zvinodhura hazvina kukodzera mari. Funga nezvevatengesi vaviri vanofungidzira, mumwe nomumwe wavo anoponesa $ 10 000 pagore uye anowana 8.5% kudzoka kwakakwana pamari yavo.
Ikutanga inopa mari ye 0.25% nenzira yehurumende yehurumende yekubhadhara mari . Chechipiri inobhadhara mari ye 2.0% nenzira yezvinyorwa zvakasiyana-siyana zvemari, mabato, uye mari. Anopfuura makore makumi mashanu ehupenyu hwekutsvaga kwekutsvaga, mutori wekutanga anozoguma ne $ 6,260,560.
Mutevedzeri wechipiri achasvika ne $ 3,431,797. Mari inodarika $ 2 828 763 yekutanga mutengesi anonakidzwa ndeyekungokonzerwa chete nekugadzirisa mari. Dhora roga roga iwe unoramba uri dhora rinowedzera iwe.
Pane izvi zvinowanzosvibisa ndezvokuti hukama hukuru hwemasvomhu hunowanzosanzwisiswa nevaya vasina kunyatsonzwisisa nhamba kana ruzivo nematambudziko eupfumi; kusanzwisisika kunogona kusava nebasa kana iwe uri kuwana $ 50,000 pagore uye uine chikoro chiduku asi icho chinogona kukonzera humwe unhu hwechokwadi, hunonyengera kana iwe wakaguma uine mari yakawanda.
Semuenzaniso, uyo anowanzoita mamioneya anozvigadzirisa uyo ane podfolio yake inotarisirwa nenzvimbo yakadai sebhangi yega yega yeBrans Fargo inopa zvishoma kupfuura 1% pagore mumari. Sei vanhu vakawanda vane makumi emamiriyoni emadhora vakasarudza makambani ekuchengetedza mararamiro ayo mairi ayo ari pakati pe2,55% ne150% zvichienderana nezvakataurwa nemutemo wekutsvaga ?
Pane zvikonzero zvakawanda uye chokwadi ndechekuti, vanoziva chimwe chinhu chausingaiti. Vafumi havawani saizvozvo nenzira yeupenzi. Mune zvimwe zviitiko, vanobhadhara mari iyi nekuda kwechido chekudzikisa matambudziko akasiyana-siyana ayo bhajiro ravo pachavo kana zvinyorwa zvekuwana zviri pachena. Mune zvimwe zviitiko, zvine chokuita nekudiwa kwekutarisana nemimwe nzira yakaoma yakawanda yemitero iyo, yakashandiswa zvakanaka, inogona kuita kuti vagari venhaka dzavo vagare nehuwandu hupfumi kunyange kana zvichireva kurega misika yakawanda.
Kudzoka kwavo kunogona kutarisa pamapepanhau asi iyo chaiyo inotengeserana pfuma inogona kuguma iri yakakwirira nokuti mari inosanganisira mamwe mazano ekugadzira mapurogiramu epamberi anogona kuisa zvinhu zvakadai se "mutero kutsva" kuburikidza nematambudziko anokonzera kusagadzikana.
Mune mamiriro ezvinhu mazhinji, zvinosanganisira kutarisana nehuwandu nekudzikisa. Kana iwe une purofidho ye $ 500,000 uye uchisarudza kuti unoda kushandisa Vanguard's Trust division kuti uchengetedze zvinhu izvi mushure mekufa kwako nekuchengetedza vatsigiri vako kuti varwe nehomwe yenguruve, mari inobatsira ya 1.57% ichakubhadhara iwe wose-mu ndeba.
Kunyunyuta zvinokuita kuti ureke mumusika une kodzero uye usingazivi. Vanguard vashandi vachazofanira kupedza nguva nekuedza kutevedzera nemashoko ekutendwa, kusarudza mari yekugoverwa kubva pakati pemari yavo yekufananidza nemari yekuwana mari yekutenda pamwe nemamiriro ezvinhu emutero wevabatsiri, achitarisana nharo dzemhuri-dzinomuka pamusoro penhaka, nezvimwe. Munhu wese anofunga kuti mhuri yavo haizove imwe nhamba dzisinganzwisisiki mumutsara wakareba wenhaka yakaparadzwa chete kuratidza kuti haishanduri zvakawanda.
Vanhu vanogunun'una pamusoro pemhando idzi dzemari nokuti havana kusimba kwavo uye vanoita zvinoshamisa apo njodzi inosvika pfuma yavo inofanira kunge yakakodzera kune imwe mari yemari yeDarwin Award. Munzvimbo dzakawanda muupenyu, unowana izvo zvaunofanirwa uye izvi hazvisi izvo. Ziva kuti zvipi zvekubhadhara zvinokosha uye zvipi zvekubhadhara hazviiti. Inogona kuva inonyangadza asi migumisiro yacho yakanyanya kukwirira kuti isasvike kure.
Kuregeredza Mitezo Yemitero
Iwe unobata sei mari yako inogona kukanganisa mari yako yepamusoro inokosha. Uchishandisa nzira inonzi asset placement , zvingave zvichikwanisika kuderedza zvakadzama zvikwereti zvaunotumira kune Federal, State, uye hurumende dzenharaunda, uchichengetedza mari yako yakawanda uchiwana mari yekusarura, kurasa zvikwereti, chido, nemari yeimba yako.
Chimbofunga, kwekanguva, kana iwe ukatarisa $ 500,000 podfolio yemhuri yako. Hafu yemari yako, kana kuti $ 250,000, iri mumabhengi ekusabhadhara musero, uye imwe hafu, uyewo $ 250,000 iri mubhuku rakajeka revanilla brokerage accounts . Zvichaita kuti uwane hupfumi hwakawedzerwa kana iwe ukanyatsocherechedza pane iwe unobata zvimwe zvinhu. Iwe unenge uchida kuchengetedza kusungirirwa kwako kwemishumo musimende musangano rekubhadhara mari inotengesa. Iwe unoda kutora chikamu chako chepamusoro chibereko chebhuruu-chip zvinyorwa mumabhadharo emitero isina kubhadhara. Zviduku zvishoma pamusoro penguva, kudzorerwazve, kuguma kuva mukuru nekuda kwesimba rekugadzirisa.
Izvo zvinoenda kune avo vanoda kubhadhara mari yavo kubva kumarongwa avo ekurega basa vasati vava nemakore 59.5. Iwe hausi kupfuma kuburikidza kupa hurumende mitero makumi emakore usati waita zvimwe zvaizofanira kuvhara musayiri uye kurova pamatambudziko ekutanga kubvisa .
Kusava nehanya Nezvakawanda
Ndakuudza nguva dzakawanda kupfuura zvatinogona kuverenga kuti chinangwa chako chinofanira kuva pakutengesa simba . Fungidzira iwe unotenga $ 100,000 inokosha yemakore makumi matatu ezvisungo zvinobereka 4% mushure mekuteresa. Iwe unowedzera chikwereti chako chaunofarira muzvisungo zvakawanda, uye uchizadzisa 4% kudzoka. Munguva iyoyo, kutengesa kwenyika kunotanga 4%
Pakupera kwemakore makumi matatu, hazvina basa kuti iwe zvino une $ 311,865. Icharamba ichikutenga iwe zvakakwana zvakaenzana iwe waigona kutenga makore makumi matatu apfuura ne $ 100,000. Mari yako yekutsvaga yakanga iri kusakundikana. Iwe wakaenda makore makumi matatu - mazuva anenge 11 000 kubva mumazuva anenge 27375 iwe unowanzoita kuti iwe upiwe - usina kufara nemari yako, uye iwe hauna kugamuchira chero chinhu.
Kusarudza Dzimba Dzakawanda Dzakabhadhara Bhizimisi Guru
Nyaya yezvidzidzo, uye makore anopfuura zana ezvakaitika zvakaratidza, kuti iwe, somurimari, unogona kuva nemukana wakanaka kwazvo pakuunganidza pfuma yakawanda nokuva muridzi webhizimisi rakanakisisa rinonakidzwa nekudzoka kwakapfuma muhomwe uye nekukwikwidza kwakasimba nzvimbo, yakapa danda rako rakawanikwa pamutengo wakakodzera.
Izvi zvinonyanya kuitika kana zvichienzaniswa nedzimwe nzira - kuwana mabhizinesi, anotyisa anotambudza nehutano hwakaderera pahutano uye nekudzoka kwakaderera pane zvinhu . Zvose zvimwe zvakaenzana, pamusoro pemakore makumi matatu nemakore, iwe unofanira kuita mari yakawanda yakawanda yekuunganidza zvakasiyana-siyana zvemashamba akaita saJohnson & Johnson naNestle vakatengwa pamadhora gumi nemashanu kupfuura iwe unotenga mabhizimisi akaora mwoyo pa7x.
Funga nezvezviitiko zvemakore gumi nemakore zvandakaita kune firms seMutter & Gamble, Colgate-Palmolive, uye Tiffany & Company. Kana kuongororwa kuri kunonzwisisika, mugoveri akaita zvakanaka kwazvo nekubvisa bhokiti nekutsvaga humwe humwe panzvimbo yekuedza kudzingirira pfuma yekuwana-pfuma imwe nguva inobatsira kubva kumabhizimisi akaipa . Sezvakakosha, nekuda kwechibvumirano chemasvomhu ndakatsanangura mumutsara wekutsvaga muzvikamu zvemafuta emafuta, nguva dzekuderedza kugoverwa kwevatengo zvechokwadi chinhu chakanaka kune vashandi venguva yakareba dzakapa hurumende yehupfumi yebhizimusi ichiri kunyatsogadzikana. Imwe inoshamisa chaiyo-nyika muenzaniso ndeye The Hershey Company.
Paiva nemakore emakore achangobva kuitika, chikwata-kusvika-mugwagwa, sengo rakarasikirwa nepamusoro pe50% yemashoko ayo akatengeswa pamusika kunyange zvazvo kukosha kwepakutanga kwakanga kusinganzwisisiki, bhizimisi pacharo rakanga riri kuita zvakanaka, uye zvikwereti uye zvikamu zvakachengetedzwa kukura. Vashandi vanochenjera vanoshandisa nguva dzakadai sazvo kuti varambe vachidzokorora zvikwereti uye dhora rinodhura kuwedzerwa, kuwedzera kuhu huri hwavo, vanowanzova vakawanda, vapfumi kupfuura hupenyu hwose. Ndiyo mufambiro wamunoona nguva dzose mumamiriro ezvinhu emabhiriyoni akavanzika sa Anne Scheiber naRonald Read.
Kutenga Zvausingazvinzwisisi
Kurasikirwa kukuru kunogona kudziviswa kana vashandi vachitevera rimwe chete, mutemo usinganzwisisi: Kana iwe usingakwanise kutsanangura kuti mari yako yaunayo inoita sei mari, mumitauro miviri kana mitatu, uye nenzira inonyoresa kuti chikwata chekudzidzira chikwanise kunzwisisa chinangwa chikuru, kufamba kure nechinzvimbo. Ichi chirevo chinonzi Invest mune Zvaunoziva . Iwe unofanirwa kunge usingaiti - uye vamwe vangati, zvachose haambofi - kubva pazviri.