Nzira Yokuita Mari Nekutsvaga Muzvikwereti
# 1: Unganidza Mari Inowanikwa
Paunotenga chibvumirano, iwe uri kusunungura mari kune uyo anopa mari. Dzimwe nguva, bhizimisi yehutano iyo yekambani ( mazvisungo ehurumende ), nedzimwe nguva hurumende kana masuwa (hurumende kana hurumende zvisungo).
Nhamba yezvikwereti, kana chikwata chechikwata, inotsanangurwa nehuwandu hwehuwandu hwekufarira mazana panguva iyo, kukura kwechibvumirano, uye kukweretwa kwechikwereti chemupi. Kana iwe ukatenga bhadha ye $ 1 000 000 kubva kuCoca-Cola apo yakabudiswa, uye chikwata chepikoni chiri 7%, unofanira kutora $ 70,000 pagore muzvikamu zvekuwana mari . Kana kukura kwemakore makumi matatu nemangwana mune ramangwana, uchagamuchira mari yako yekutanga $ 1,000,000 yekutsvaga kumashure makore makumi matatu kubva pazuva rawakabhadhara chikwereti. Izvi zvinogona kuva chinhu chikuru kwauri, nokuti unowana mari yekurarama nayo uye kubhadhara zvikwereti zvako, uye zvakanyanya nokuda kweCoke, nokuti vanogona kushandisa mari yekuvaka zvivako zvitsva, kuwedzera michina yavo yekutengesa, kutenga mabhota, kana kusangana nevamwe zvinoda.
# 2: Itai Zita Rokutanga
Zvisungo zvakawanda hazvibatidzirwa kusvika pakukura. Vashandi vanoda mari vachidzokorora vasati vasunga zvikwereti kuitira kuti vazvitengese kuburikidza nemutengesi . Kana izvozvo zvikaitika, iwe unogona kuwana pfuma yakawanda kana uine ruzivo rwekurashikirwa kukuru zvichienderana nezvakaitika kune unhu hwekwereti weunopa (semuenzaniso, kana kambani yakakutengesa iwe chisungo chako chave ichibva kune huwandu hune utano kusvika pamucheto bankruptcy filing, iwe uri kungotora pennies paripi nokuti vamwe vashandi vezvisungo havazove vachida kutora mukana kunze kwekuti vabhadharwa nehuwandu hwekudzoka ).
Saizvozvowo, kana zvikwereti zvinowedzera, hutano hwako huchashayikwa hunokosha nokuti vatengesi vachakumbira kuti uvape kudzoka kwakakwirira kudarika chikwata chechikwata. Izvi zvinoreva kuti, kana iwe ukatenga bhandi yako yeClake inobhadhara 7% uye zvisungo zvakangoerekana zvakafanana zviri kubhadhara 10%, iwe uchafanira kuderedza mutengo wako kusvikira bvumirano yako ichipa 10%, zvakare.
Kana zvisina kudaro, nei mumwe munhu aizitenga apo vaigona kungotenga bhisho ichangobva kubudiswa yezvibereko zvakakwirira? Kune rumwe rutivi, kana uwandu hwehutano hwawa, iwe unogona kutengesa bhadha yako yepamutengo wakakwirira, uchiwana mari inowanikwa pfuma. Kuti unzwisise ukama huri pakati pekuita mari muzvisungo nemari yezvibereko, verenga pamusoro peiyo inozivikanwa sehutano hwehutano .
Zvimwe Nezvekutsvaga Muzvikwereti
Kana iwe uchida kuwedzera zvikwereti zvitsva zvekuwana muupenyu hwako, heino mamwe mashoko ekuti akubatsire kunzwisisa nheyo yenyika.
- Chii Chibvumirano? Tsvaga tsanangudzo yekutanga yehutano, kuongorororwa kwekuti pane humwe hutano (zvakadai sepikoni ) hwakatanga uye uwane urongwa hwemhando dzakasiyana dzezvisungo iwe ungafunga kuti uine.
- Kuzviisa Muzvikwereti 101 Mhando yehurukuro yenyaya dzinokutora mumabhuku akawanda wandakanyora ane chokuita nezvisungo uye kuisa mari, iyo ndiyo nzira yakanaka yekudzidza kana iwe uchida kuongorororwa sekuti takanga tagara kune mumwe kune mumwe, coffee. Chibatanidzwa chimwe nechimwe chichakutora iwe kune imwe nyaya yakadzika yakadzika pamusoro penyaya iyoyo yehurukuro.
- Inguva yakawanda yePodfolio yangu inofanirwa kuisa mari muzvikwereti? Kuwana mari yekugoverwa kwezvisungo zvakarurama ndeyekuita kukuru. Funga nezvazvo zvakanyatsonaka.
- Kuisa muzvikwereti zveMabhizimisi Tsvaga zvinoita kuti zvisungo zvesangano zvakasiyana nedzimwe zvibatanisi uye kuti sei zvakakodzera kune mamwe marudzi evarimi.
- Kuisa mari muzvikwereti zveMasisita Masero Chimwe chezvikwereti zvinozivikanwa zvikuru muUnited States, musarudzo yakasarudzwa isina mutero yemasisita ehurumende inogona kupa mubereko wekuwana iyo isingabhadharwi nemitero yeFederal, yenyika, uye yomunharaunda. Rega ndikudzidzisei maitiro maviri akasiyana-siyana emashambadzi ehurumende uye kuti ungaverenga sei mutero wakaenzana wekukohwa kwekuenzanisira kuenzanisa komisheni yehutano huripo kune zvimwe zvisiri zvekutengesa-zvisungo zvibereko kuti uone kuti chii chingave chiri nani kukuitira iwe.
- Kuisa mari mumabhengi ekuchengetedza Iyi ndiyo nheyo huru inobatanidza matani ezvinyorwa pamusoro pezvisungo zveUnited States zvokuchengetedza, kusanganisira mazana-hubs pa Series Series EE savings bonds uye Series I zvikwereti zvekuchengetedza .
- Ngozi dzekutsvaga muzvikwereti zvisingabatsiri Zvingaita sokuti hutano husina hutano huri nzira yakanaka yekuita mari yekuisa mari muzvisungo asi iwe unganganisa. Pasinei nokukohwa kwavo kunonyengera, vanowanzopedza njodzi kune vamwe varimi vasingazivi zvavanoita. Pane kudaro, verenga " Kuita Mari Inotora Bonds Inogona Kukubatsira Sei Kudzivisa Kurasikirwa Kwemari " uye kana uri kunzwa uchichengetedza zvakanyanya, tarisa muzvikamu zvitatu zvakaverengwa .
- Ngozi dzekutsvaga mari kune dzimwe nyika Kana iwe usingazivi zvauri kuita, kana iwe usingashandisi nekambani inoremekedzwa yekambani yekushanda inoshanda mukati mehutano hwako hunotsungirirwa hutambudzi, runza! Izvi hazvisi zvako pakati pezvizhinji zvezvipingamupinyi zvavanowira, zvichibva kune ngozi yezvematongerwe enyika kuti uwane mari.
- Nzira Iyo Kushambadzira Kwebondi Kunogona Kukubhadhara Mari Yakawanda Mari Bhengetedza zvakanyanya kusungo kunopararira pakutenga kana kutengesa chero rudzi rwehutano hunogona kutengeswa. Zvipikano pakati pemutengo wekutsvaga uye mutengo wekubvunza unogona kuva wakakosha.