Nzira Yokugadzirisa Nayo Kuronga Basa Rekugadzirira
Ratidza Kuti Unoda Zvakawanda Zvakadini
Tora mari yakawanda yaunoda kuti utsigire mari yako-yekugara apo iwe uchisimuka.
Imwe mutemo mukuru-we-gumbo unoti iwe unofanirwa kuronga 80 muzana yemari yako yazvino. Kana iwe ukaita $ 100,000 pagore, semuenzaniso, unofanira kuronga kubhadhara mari ye $ 80,000.
Asi ini handibvumirani nepfungwa iyi. Munhu anoita $ 100,000 pagore uye anoshandisa dime imwe neimwe yakasiyana nemunhu anoita $ 100,000 pagore uye anorarama pa30 muzana yemari yake.
Saka ndinokurudzira nzira yakasiyana-siyana: shandisa pfungwa yako yekuti uri kushandisa mari yakawanda sei , kwete mari yakawanda yaunowana ikozvino .
Funga kuti mari yaunoshandisa iye zvino ichave yakaenzana nemari yaunoshandisa iwe paunotora basa. Zvechokwadi, iwe unogona kunge uine rusununguko rwemari yezvino mari yakadai sekubhadhara mari yako panguva yekurega basa, asi iwe unogonawo kutora mari itsva sekufamba uye kune zvimwe zvekuchengetedza kwehutano.
Wedzera ne25
Wedzerai mari yaunoda gore rega rega mukutora basa nemakore makumi maviri nemashanu. Izvi ndizvo zvaunofanira kuita, kunyora kuti hauna imwe nzvimbo yekusarura mari.
Kana iwe uchida kurarama ma $ 40,000 pagore, semuenzaniso, iwe unoda $ 1 mamiriyoni ($ 40,000 x 25). Kana iwe uchida kurarama pa $ 60,000 pagore, iwe uchada $ 1.5 mamiriyoni epodfolio.
Tsvaga Chii Chekuchengetedzwa Kwemabhiza
Endai kunzvimbo yepamutemo ye Social Social website kuti mushandise shanduko yavo yekufungidzira kuti muwane pfungwa yekuti muchaunganidza mari yakawanda sei mukutora basa.
Wedzera iyi nhamba kune imwe mimwe midzi yekusarura mari iyo iwe unogona kuva nayo, sepenjeni kana mari yekubhadhara. Zvadaro bvisa kubva pamari yegore rose iwe waunoda paunotora basa.
Somuenzaniso, Iwe unoda kurarama ma $ 60,000 mukutora basa. Social Security ichakubhadhara $ 20,000 pagore, apo mudiki wepenjeni achakubhadhara $ 5,000 pagore.
Izvi zvinoreva $ 25,000 yemari yako inobva kune "mamwe" mawanikwa. R $ 35,000 bedzi inoda kubva pikodini yako.
Nokudaro, iwe unoda $ 875,000 chikwereti ($ 35,000 x 25), kwete $ 1.5 mamiriyoni (kunyange zvisingakuvadzi kuti zvigadziridzwe).
Shandisa Retirement Calculator
Shandisa retirement calculator kuti uwane kuti mari yakawanda yaunoda kuchengetedza gore negore kuunganidza chinangwa chako.
Ngatitii muri makumi matatu. Une $ 20,000 ikozvino yakachengetedzwa. Iwe unoda kubhadhara pazera remakore makumi matanhatu nemashanu. Iwe unoda mari yekurasikirwa ye $ 70,000, iyo inosvika ma $ 25 000 ichauya kubva Social Security uye imwe $ 45,000 ichauya kubva pamapatoti ako. Iwe unotora 4 muzana yekutengesa kwenyika, 25 muzana mutero wehuwandu uye 7 muzana yekudzoka pamari yako yepotetiyoti.
Pasi pemitemo iyi, iwe uchada kuisa $ 24,000 pagore kuti uve nepfuti rakanaka pane rako rekusimwa purofiti kusvikira uchitora 99, maererano neU.S. News 'retirement calculator.
Shandisai nhamba yemamiriro enyu ezvinhu kuti muone kuti muchafanira kuchengetedza zvakadini kuti musangane nezvinangwa zvenyu.
Save!
Isa chirongwa chako muchiito!
Tanga kuvhara mari. Chengetedza bhadharo yako yekutengesa zvekudya , usadya paresitorendi kazhinji, tora hofisi yezvipfeko uye shandisa mamwe maitiro akawanda ekuponesa mari kuti akubatsire kutsvaga mari yakawanda mumakosheni ako ekurega.
Diversify
Isa mari iyo iri muhotera yako yekurega basa yakatarwa nemakore ako, kushivirira kwako kune ngozi, uye zvinangwa zvako. Sezvo mutemo wehuwandu hwechigunwe, 110 kuderedza zera rako ndiro mari yaunofanira kuchengetedza muhutano (mashizha), pamwe nezvose zviri muzvisungo uye mari yakaenzana. Kana iwe uri makumi matatu, semuenzaniso, chengetedza 110 - 30 = 80 muzana yepodfolio yako muzvikwata, pamwe nezvose zviri muzvisungo nemari, uye kugadzirisa gore negore.