Kune ani zvake anoronga-kana kutarisira -kuti rimwe zuva achaenda, Vanguard munguva pfupi yakapa mazano akawanda anobatsira. Mutsamba yebhuku, kambani yekwereti yakabvunza kuti inotora mutoro uye inokurumidza-ku-kuve yakasara muverengi, "Kana iwe waive nekuita-pamusoro, ungaitei nenzira yakasiyana yekugadzirira kubhadhara?"
Mubvunzo wakabvisa mazana emhinduro mhinduro. Heano zvimwe zvekuzvidemba kukuru, zvimiririra mhinduro, uye pfungwa dzokuti urege kuita zvikanganiso zvakafanana.
Kwete Kutanga Kupa Mari Pakutanga
John L. akachema kuti haana kutanga kutora mari kusvikira asvika makumi mana. "Ndine 55 iye zvino uye ndakagadzikana, asi ndaizove nani kana ndakatanga mumakore angu makumi maviri. Simba rokumatanidza isimba rinotyisa, asi rinoshanda zvakanaka mumakumi emakumi emakore. "
The take-away? Nguva inoita musiyano mukuru muhutano hwako hudzoka. Semuenzaniso, kana iwe ukasara $ 200 pamwedzi kwemakore makumi mashanu uye uwane 7 muzana yehuwandu hwekudzoka kwegore, iwe uchaguma ne $ 1 mamiriyoni. Asi kana iwe ukasara kwemakore makumi mana, panzvimbo yako, uchitora imwechete yemwedzi yekutsvaga mari uye kuenzanirana kwekudzoka kwegore, iwe uchaguma nehafu yenguva yakawanda.
Kuita Kurairwa Kusingazivikanwi Kusarudzwa
Roger B akati, "Mangwanani-ngwanani, ndakatengesa 'misha yekodha yematoro chaiwo, uye zvekare ndakarasikirwa nemari iyo yose. Ndakazvinzwisisa apo mutengesi akanga ari mumba, asi nguva yavakasiya, ndizvo zvakaitawo kunzwisisa kwangu. "
The take-away? Usaita sarudzo kana kuti zvishoma nezvishoma kusarudzwa kwekutsvaga mari. Pane kudaro, sarudza yako yakakwana yemari yekugovera uye ugoita chikwereti chako zvakakodzera. Kuita kuti huwandu hwehupfumi hwako huve nehutengo / hutano huripo huchienderana nehuwandu hwekutsvaga nguva yako uye unyoro ndechimwe chezvinhu zvinokosha zvikuru zvekutsvaga kwako kubudirira.
Kunyanya Kuisa Mari Muhomwe Yenyu Yevashandi
Mumwe muverengi anoenda ne "Cracking Retirement" akazvidemba, "Kuisa mari yangu yekuchengeta kwemakore makumi maviri mukambani yandakaishandira. Yakapa chikamu chakanaka uye chakaita sechichiita zvakanaka. Zvadaro kwakauya chikwata cha2008 ... Takapedzisa kurasikirwa nharo yakanaka yechitanhatu. "
The take-away? Kana wako waaishandira akabuda kunze kwebhizimisi, zvaizova zvakaoma zvakakwana kuti urasire basa rako. Kurasikirwa nehomwe huru yemari yako yekuchengetedza mari pamwe chete nokuti iwe waiisa mari yakawanda muhomwe yayo yaizova nechisimba. Kuti uchengetedze njodzi iyo, usatora zvinopfuura 10 kubva muzana zveporofigore yako mubasa rako.
Kusarudza IRA Yemazuva kana 401 (k) Panzvimbo yeRoth
SS akati, "Kuwedzera pakuva nemhando dzakasiyana-siyana mumakilasi emari, ini ndaifanira kunge ndakasiyana-siyana mumitero yemitero-kureva, yakawanda yemari yangu iri mumutambo 401 (k) hurongwa (munguva pfupi ichava rollover IRA), saka ikozvino zvose kurega kunobhadhara. "
The take-away? Paunenge uri mumatanho ekutanga emabasa ako uye mari yako inokuisa mubhasikiti shoma, Roth inogona kunyanya kubatsira. Paunenge uchitamba uchienda mune basa rako uye uchiwana zvakawanda, tsika yemadzitateguru 401 (k) kana IRA inogona kuva nani. Zvisinei, kuziva icho chiri chakanakisisa kunoda kuti urege kuziva kwete yako ikozvino yebhakoni asi bhaketi iwe unenge uine munguva yekurega basa.
Sezvo iwe usingakwanisi kufanotaura izvozvo, zvingava zvakanaka kupa chikamu chetsika 401 (k) / IRA uye Roth.
Kuchengetedza Nzvimbo Yekuchengetedzwa Kwemazuva Okutanga
Judith A. akati, "Pandakasimuka, ndakakanganisa kutora Social Security yangu pazera remakore makumi matanhatu, ndisingazivi kuti ndaizowana mimwe mwedzi yakawanda sei kana ndakatarisira."
The take-away? Kune vanhu vakawanda zvakanakisisa kumirira kusvika kusvika paWe Full Retirement Age (67 kune ani zvake akaberekwa muna 1960 kana kuti gare gare) kuti ataure Social Security benefits, apo kubhadhara mari yako inenge iine 33 kubva kune yepamusoro pazera remakore makumi matanhatu. Kunyangwe zviri nani kana iwe ukamirira kusvikira makore makumi manomwe, apo kubatsirwa kwako kuchave kwakanyanya.
Kutarisa chete paMari Yezvinhu Zvekugadzirira Basa
Jim B: "Ndakanga ndiri munzvimbo yepamusoro yepamhizha yepamhizha kwemakore akawanda uye pawakapera pakarepo, ndakanga ndarasikirwa nezvandinofanira kuita."
The take-away?
Usarega pane chimwe chinhu; kurega kune chimwe chinhu, zvakadai sokuzvipira nesangano raunotarisira, kuchinja chido chekuita mune bhizinesi duku, kana chimwe chinhu chawakagara uchida kuita.