Kuita sarudzo yakanakisisa yekuti iwe uye sei iwe unoshandisa sei zvikomborero zvinogona kuita musiyano mukuru mune ramangwana rako rekuregererwa kwehupfumi.
Pasi pane zvinhu zvina zvaunoda kuita kuitira kuti wakagadzirira chero mamiriro ezvinhu emari anouya.
1. Wedzera Mari Yako Yokuchengetedza uye Funga Nehutano Hwenyu Hwengozi
Kana iwe uchiwedzera, iwe unoda kuwedzera kuchengetedza kuti urarame mararamiro ako nguva yose yekurega basa. Uye kana iwe uchibhadharwa zvikuru iwe unofanirwa kuchengeta mupfungwa yehutano hwehutano hwaunosangana nawo.
Vazhinji vevashandi vekambani vekambani ndakashanda navo, imwe mumabhizimisi ekuremekedza, mumwe mune zvigadzirwa zve tech, vakaziva kuti chigaro chavo chingave chisingaperi. Vaiziva kana nzvimbo yavo inofanira kuguma kuti kushandura nzvimbo yavo yakabhadhara zvakanyanya hazvive nyore. Vakaponesa zvakanyanya sezvinobvira mumakore avo ekukwirira. Imwe yakave yakabviswa muna 2008 uye yakapedza makore matatu kutsvaga basa. Sangano rake rekuchengetedza mari yekudzivirira mari apo mari yake yaive yakakwirira yakabhadharwa.
Kunyange zvazvo uri mumakore ekukwezva kwako, funga nezvekuvaka mari yakawandisa yemari, kubhadhara mari yakawanda mukati mako 401 (k) nezvimwe zvirongwa zvekubatsira, kuwana chirongwa chezvemari, nekuchengeta unyanzvi hwemabasa hunokosha.
2. Shandisa Rudzikinuro Rwakarongwa Rwakaronga Nokuchenjera Nokudengenyeka Kwemazuva Ekubhadhara
Kusiyana kwakasiyana-siyana kwezvirongwa zvakakonzerwa zvakakonzerwa kunopiwa kuhutungamiri hwepamusoro uye kushanda kwekambani. Zita iri rinowanzozivikanwa zveurongwa hwakadaro iSERP (supplemental executive retirement plan plan), asi inogonawo kunzi mazano epamusoro yeheti, zvirongwa zvakanyanya zvekubatsira, kana kuti kubatsiridza zvirongwa zvekuenzanisa.
Izvo zvirongwa zvinokubvumira iwe kutsanangura zuva remangwana apo mari yako ichabhadharwa kwauri. Vazhinji vanhu vanosarudza mazuva ekubhadhara kusarura pasina kufunga nezvemigumisiro yemitero kana kuti iyo nguva yemberi yekubhadhara inogona sei kugadzikana kwavo kana kuti zvirongwa zvehupenyu remangwana. Kakawanda vanogamuchira mari yekusara pamubhedheni kana pavanenge vachibva kune kambani. Iyi haisi nguva dzose nzira yakanakisisa yekugamuchira mari iyi.
Nokunyatsosarudza nguva yekubhadharwa kwekodzero yakawanda iwe unogona kazhinji kuderedza mitero uye kugadzira kuwedzera kwepfuma apo iwe unoshandura uchienda kumusha. Zvakanaka, iwe uchazununguka kubva mumazuva ekubhadhara kuitira kuti mitezo yemitero inopararira pamakore akawanda emakarani.
3. Deredza Kudururwa Kwekambani Stock
Vakawanda vekambani vanokwidza vane mari yakawandisa yehuta hwavo yakasungirirwa kune nhamba yekambani yavanoshanda. Sangano rinogona kuuya nenzira yevasina kukodzera kana kukurudzira mashomanana ekutsvaga, zvigadziriswa zvikwata zvezvikwata, uye kuburikidza nemushandi anoenzanisa zvipo kana ESOP (urongwa hwehuwandu hwehuwandu hwevashandi) mukati meurongwa hwekusarura. Vamwe vanhu vanototenga mamwe mashizha pane zvishoma nezvishoma kuburikidza neESPP (mushandi wezvigadzirwa zvekutsvaga).
Iwe hausi kuda chikamu chikuru chekodzero yako uye mari yako yeramangwana yose yakabatanidzwa kubudirira kwekambani imwe.
Kuumba chirongwa chokuparadzanisa kambani yekambani kwakachenjera. Unofanira kuita izvi. Pasi pane muongororwo wemhando mitatu yekubuda kwezvitoro kunofunga.
- Kushandisa yako sarudzo dzekushandisa - Pane marudzi maviri ezvigadziriswa zvekugadziriswa, zvigaro zvekukurudzira, uye zvisiri izvo zvaunokwanisa . Mumwe nomumwe ane nzira yakasiyana yekukwereta. Shanda nemudzidzisi wezvemitero kana wekugadzirisa zvemari kuti iwe ugadzire urongwa hwekugadzira urongwa kuitira kuti uchitengese zvigadziro zvekuita zvekushandisa apo uchibhadhara mari shoma yemutero inogoneka.
- Kugadzira hurongwa hwekutengesa zvikamu zvezvikwata - Kana uine pfuma kubva kuRUUs, kuiswa kweESPP, kana kuti nekuda kwekuti wakatenga zvimwe, unogona kushandisa mazano ekufambisa kuti uwane mari kubva mune zvekutengesa paunenge uchigadzira mapuroji ekutengeserana. Izvi zvinogona kuva nzira yakanaka yevaya vanozeza kugovana nezvikamu kuti vagadzire urongwa hwekuderedza ngozi yavo kune imwe kambani yekambani.
- Zvichida ugove zvikamu muzvirongwa zvemashandirwo - Shandisa muurongwa hurongwa ndechimwe chikwata chematokari iwe unenge usingadi kubuda. Nemaoko kubva kumashandi anoenderana nemigiro, iwe une sarudzo inokosha pakusarura, chimwe chinhu chinonzi net inoshandiswa kwete kuonga kana NUA. Kugoverwa kweNUA kunokubvumira kugovera kushambadzira kwekambani kubva purogiramu yako yekubvisa mari, kubhadhara mutero unowanikwa pamutengo chete pamutengo wekutengeswa kwematengo, uye zvino uine pfuma inobatwa seyenguva refu yekuwana mari - iyo inotererwa pamutero wepamusoro wepamusoro kupfuura mari.
4. Shandisa Financial Planning Services
Mamwe makambani anokweretesa mabasa ekugadzirisa zvemari kune avo vatungamiri uye hutungamiri hwepamusoro kuburikidza nekambani yakasarudzwa. Kana kambani yako isingaiti izvi, funga kutsvaka rubatsiro rwekubhadhara-chete (izvi zvinoreva hapana mutungamiri wezvemari) uyo ane chikonzero chekutarisira iwe.