Kunyangwe kana iwe uchida zvechokwadi basa rako, zuva richauya apo inguva yekurova nguva yekupedzisira uye utange kubvisa kwako. Uye kana zuva iroro rasvika, iwe unoda kuva nehutano hwerongwa hwemari panzvimbo.
Chinangwa chako chikuru chemari mumakore ako ose emakore ndeyekuunganidza zvakakwana mukuchengetedza kutsigira chirongwa ichi - kubvisa mari yakakwana yekusimbisa mararamiro ako pasina chekubhadhara. Asi kuchengetedza mari yakawanda sezvinobvira ndeye kutanga: Iwewo uchada kubhadhara mitero , tsvaga mari ipi zvayo ichakurira zvakanyanya mari yako , nhoroondo yemamwe magwaro ekubhadhara mari, uye urongwa hwekubhadhara mari.
Hezvino zvakakosha zvekugadzirira kubhadhara.
Retirement Accounts
Kuchengetedza mari yakawanda ndizvo zvinofanira. Nyanzvi nyanzvi dzinobvumirana kuti iwe unofanira kuchengetedza zvikamu gumi kubva muzana zvemari yako yegore negore, uye vazhinji vanoratidza kukurudzira izvozvo kusvika ku20 muzana, kana zvichibvira. Asi haisi kungoita kuti unoponesa zvakadini - zvinorevawo kuti unozvichengeta.
Mumakumi mashoma emakore apfuura, musangano wakatsvaga kukurudzira kubhadhara basa rekuchengetedza kuburikidza nekubvumira kusikwa kwekodha yakabhadhara-yakabhadhara mari yekubvisa mari. Nyaya inonyanya kuzivikanwa ndeye 401 (k) , iyo inopiwa nevashandi vakawanda, uye inokubvumira kupa mhirizhonga isati yabhadharira kumubhedha wako pamwe nemari yekubhadhara. Vashandi vakawanda vanopawo kuenzanisa imwe yepamuviri yemipiro yako, iyo inowanzoreva mari isina mari.
Mamwe mareji ekurega basa anogona kuvhurwa akasununguka nemushandi wako. Inonyanya kuzivikanwa ndeyeAvidual Retirement Account, kana IRA. Mhando dze "Tsika" dzezvenhoroondo idzi dzakafanana ne 401 (k) , mumari iyo inogona kugoverwa kusati yatere; kupa mamiriyoni mashoma madhora kuIRA, uye mari inogona kuderedzwa pamitero yako.
Zvimwe zvakasiyana-siyana zveIRA ndeyeRoth IRA , iyo mari yakabhadharwa mushure mekubhadhara-kureva kuti, haugone kutora mutero wakabviswa pairi - asi inokura uye inogona kubviswa kusunungurwa kwemitero pakubhadhara.
Kuisa Mari Yako Kuponesa
Hazvina kukwana kungochengetedza boka remari mubhadharo rekubhadhara mari. Kuti uone kuti mari yako inokura uye inowedzera, unoda kuiisa .
Zvechokwadi, kana iwe ukakundikana kuisa mari yako, inenge ichinyanya kuderera mukoshi, nokuti haizopfuuri mberi nemafashamo.
Saka iwe unofanira kuitei ? Nhamba, kunyanya - kana iwe uri muduku. Kuisa mari mumusika wekutengesera ndiyo nzira yakanakisisa, yakawanda yekuwedzera mari yako, uye mari inotengeswa mumusika wekutengesa yakakura, paavhareji, pakati pe7 ne10 muzana pagore (zvichienderana nezvamunoita masvomhu). Zvechokwadi, mari yekutengeswa haisi kunze kwezvipingamupinyi, uye dzimwe nguva inoderera. Ndokusaka chikamu chikuru-chikwata chemapurisa chiri nani kana iwe uchiri muduku, uye une nguva yekuumba chero kurasikirwa kwaunogona kupinda mumusika. Sezvaunokura, iwe unofanira kugovera zvimwe zvekuchengetedza kwako kune mari yakachengeteka sezvisungo, saka hauisa pangozi yekurasikirwa nemari yemari mumusika usati wasimuka.
Panzvimbo pane kutarisa zvakananga pamusika wekutengeswa nemari yako yekuchengetedza mari, iwe unogona kunge uchida kuisa mari yako yakawanda mune mutual funds uye / kana ETFs. Nepo dzimwe dzei idzi dziri kunyatsogadzirirwa nevana mameneja emari vanoedza "kurova pamusika," vamwe vari kunyanya kushamisika mukusvika kwavo. Chero chipi zvacho chaunosarudza, unogona kusarudza zvikwereti kuburikidza newe 401 (k) mupiki kana kubhadhara kwaunoisa IRA yako.
Zvaunobhadharwa Kubhadharwa Mari Nemari
Mari iyo inoshamba mumakosheni ako ekurega basa ichazopedzisira yakagadzirisa nheyo yekubvisa mari yako; kana iwe ukazosvika pakusununguka, iwe unogona kutanga kutora mari kubva kune iyo nhoroondo semari inowanikwa.
Asi 401 (k) s uye IRAs handizvo chete zvinobva pakubhadhara mari. Vamwe vanhu-kunyanya avo vanoshanda munharaunda yevanhu - vachava nemari yepenzvimbo panzvimbo ye 401 (k), vachivapa nemari yakagadziriswa inowanikwa nemari yavo yekare nemakore ekushanda.
Asi mapenheni ari kuwedzera kusakosha. Izvo zvisingawanzove Social Security, iyo inopa cheki yenguva dzose kubva kuhurumende; paunenge uchimirira kutanga kutaurira, huru yako cheko ichave. Kunyange zvazvo inouya kubva kuhurumende, zive kuti ichiri pasi pemitero.
Kupfuura izvozvo, kune dzimwe nzira dzekuzvigadzirira kuti uwane mari yekusununguka.
Imwe nzira yakadai ndeyegore, rudzi rwehupenyu hwehushandi yemishonga yemugovera iyo inopa mari yakagadziriswa pane imwe nguva yakatarwa.
Sangano rakanaka rezvemari richaverengera izvi zvinyorwa zvakasiyana-siyana zvekurega mari, uye funga kuti vanosangana sei nemari yako yaunowana . Izvozvo zvekupedzisira zvakakosha, sezvo mari yako inogona kutarisa yakasiyana chaizvo nezvayakaita mumakore ako ekushanda! Somuenzaniso, nenguva yaunosvika pakubhadhara imba yako yekubhadhara mari inogona kubhadharwa, zvichideredza zvikuru mari yako yekugara. Asi mari yaunopedza pazvikwereti zvezvechiremba zvingangodaro zvichikwira sezvaunokura. Urongwa hwako hwekurega basa hunofanirwa kutarisira kuti iwe unowana mari yako, uye iva nechokwadi chokuti mitsva yakasiyana-siyana yemari inovafukidza.
Kuti udzokezve, hezvino zvakakosha zvekugadzirira kubhadhara basa:
- Chengetedza boka remari
- Isa iri mubhadharo-inobhadhara mari dzekurega basa
- Isa mari iyo mumusika wekutengesa, kugadzirisa mararamiro emari sezvaunokura
- Funga nezvezvinodiwa zvako zvekurega mari
- Shandisa mari yako nemamwe magwaro ekuwana kuti uwane zvido izvi
Izvo ndizvo zvinokosha zvekuchengetedza kubhadhara, asi kune zvakawanda zvezvisarudzo zvakakosha zvinofanira kuitwa munzira - apo kutora Social Security, ndeapi mararamiro ekutenga, iyo mabhadharo ekushandisa mari, uye nezvimwe. Shandisa zvisungo kuruboshwe uye pasi kuti ukutungamirire kuburikidza nemisarudzo - uye kune yekurota kwako kurasikirwa.