Nzira yekuita mari kuburikidza nekuparadzanisa kuisa mari
Funga izvi se semaminitsi gumi ekudzidzisa mari yekuita mari nekuisa mari muchikamu chekubhadhara mari.
Ndinoita Sei Mari Kubva Mukugoverwa?
Unoda kuziva nzira yekuita mari nezvidimbu? Chaizvoizvo, zvose zvinotapira kune imwe chinhu chiri nyore: Kambani inowana purofiti. Bhuku revatungamiri , nhengo dzinosarudzwa nevatengi (vadzidzisi), vane musangano uye vanoteerera kurairirwa kwevatungamiri pamusoro pekuti mari yakawanda inofanira kuwedzerwa sei mukukura, mari yakawanda inofanira kushandiswa kubhadhara chikwereti, zvakadini inofanira kushandiswa kutenga zvigadzirwa , uye yakawanda sei inofanira kutumirwa kune veneti. Chikamu ichocho chekupedzisira-mari yacho yakatumirwa kune veneti - inonzi igoveri.
Nzira yekuita mari kuburikidza nekuparadzana kwekutsvaga kwekutsvaga inosanganisira kutsvaga makambani ane mukanano wakanaka wekuwedzera chikamu gore negore, zvichiita kuti mari yakawanda ibudirire mubhengi rako rebhangi. Sezvo kutengesa uye pfuma inokura, ndizvo zvakaitawo chikamu, kana kuti kufunga kunofamba.
Mari yaunoita kubva kune zvikamu zvako inogona kudzorerwa zvakare, inoshandiswa kubhadhara zvikwereti zvemhuri, kutumira mwana kukoroji, kutanga bhizinesi, kubhadhara mazororo, kana kupa kupa rudo. Izvo zvikamu zvinowanikwa iwe wepamusoro-soro zvikwata zvemashoko, mari yakawanda yaunowana kubva kune zvikamu. Zvechokwadi, muparadzi wemugovera anoenda kuburikidza nehupenyu achiunganidza imwe rudzi rwekutsvaga kwekuita semwana anogona kutora baseball makadhi.
Yakaitwa nenzira yakarurama, mutengo wemugove wevatengesi uye mari yeimba yemhuri inoramba ichiwedzera uye ichikura nekupfuma sezvo nguva inopfuura. Anopfuura makumi matatu, makumi mana, makore makumi mashanu kana makumi mashanu, zvingave zvichikwanisa kuva nemakumi ezviuru zvemadhora pagore, kana kupfuura, kubva kune zvikwereti chete.
Muenzaniso Wekuita Mari Kubva Kugovera Kuisa
Kuti uone kuti izvi zvinoshanda sei munyika chaiyo, chimbofungidzira jaya rainzi Anthony. Ane makore gumi nematanhatu uye achangobva kupinda kushanda. Anosarudza kuti anoda kutanga kutora mari kubva kune zvikwereti kuitira kuti atange kutengesa mune zvikamu zvehupamhi hwepamusoro, makambani ezvebhuruu anoratidza kukura kwehutano, mashizha akasimba, uye ane nhoroondo yekuwedzera chikamu chinowirirwa kune vanochengetedza nguva. Anoda kurega mitero saka anotanga Roth IRA kuti awane zvikwereti zvake, achiita kuti atange kushandisa ruzivo rweRoth IRA gore negore. Izvozvo zvinoreva kuti anogona kuchengetedza $ 5 500 pagore, kana $ 458.33 pamwedzi. Chero bedzi paanoteerera mitemo yeRoth IRA kuisa mari, haazombobhadhara penny imwe chete pamitero pamari yaanoita munhoroondo.
Anthony anotarisira kukura mari yake pa8% pamakore 50 anotevera. Nenguva yaanosvika makore makumi matanhatu nemakore uye akagadzirira kuenda kumusha, chikamu chake chakasvibirira kusvika $ 3 155,735.86.
Kana iye achiomerera pamubhadharo wekugoverana wezvikamu zve3%, iye aizounganidza $ 94,672.08 mumari inokwana gore negore. Yeuka, haafaniri kubhadhara penny imwe yemitero pamutero uyu nokuti matanda anoitwa mukati meRoth IRA .
Zvinhu Zvinokosha Zvinofanira Kufungidzirwa Paunenge Uchiedza Kuita Mari Kubva Kugovera Kuisa
Kuita mari kubva kune chikamu chekutsvaga mari kunosanganisira zvishoma zvekufunga kukuru. Izvi zvinosanganisira:
- Mugove wekugoverwa maitengo emitengo panguva yekutenga.
- Muyero wekukura mukambani yekambani, iyo inogona kushandiswa kujekesa kugoverwa kwemazuva anotevera.
- Utano hwebhadharo rekambani. Kuisa mari mumakambani nematare ekwereti uye kuderedza kutengesa kwave kusina ngozi pasinei nokuti chikamu chinogona kuonekwa sei.
- Ikozvino mitemo yemitero yemitengo .
Kana iwe usingadi kusarudza zvikwereti zvegawiga asi iwe uchida kuedza ruoko rwako pakuita mari pamwe nemari yekugovera , iwe ungada kuongorora mari yakaderera yemari inowanikwa mumakambani ekubhadhara chikamu.
Chimwe chikamu chakakurumbira chikamu ndecheS & P 500 Dividend Aristocrats Index, iyo inoona huru, yakakwirira yebhuruti chip stocks muS & P 500 dzakabudirira kubudirira chikamu chavo gore negore kwemakore 25 apfuura. Pane zvikamu zvakasiyana-siyana zvinotengeserana mari inoshandiswa mari (ETFs) yakadai saShares Dow Jones Select Dividend Index kana kuti Vanguard Dividend Appreciation ETF. Iva nechokwadi chekuverenga iyo mutual fund prospectus chero ipi zvayo inogona kushandiswa kuitira kuti uve nechokwadi kuti iwe unonzwisisa kuti mabhizimusi akachengetwa sei muhomwe anosarudzwa uye anoona kana njodzi dzakakunakira iwe nemari yako.