Kwete Kuwedzera Kufanirwa Kwemushandi Wako
Kana iwe uine mukana wakakwana wekushanda kune waunoshandira anopa 401k kana imwe hurongwa hwekurega basa nehurongwa hwekuenzanisa , shandisa iko! Kana ukangopfeka chirongwa (ndiko kuti, kana washanda pane kambani kwenguva yakakwana kuti uve nekodzero yakakwana kune chero chikamu chekukosha kwebhuku icho wako waakapa iwe nokuda kwenyu), uyo anoshandisa mari anowanidza mari ndeyako, asi chete kana iwe wakanga uchinge uchipa urongwa iwe pachako.
Zvinowira kune ndeyekuti mushandi wekushandira pamwe chete mari yekusununguka uye yakanakisisa kudzoka pahora rako raunogona kuwana. Somuenzaniso, kana mushandirwi wako achikwanisa kudhora madhora emadhora kusvika ku3% yemari yako, iwe unofanirwa kuve uchipa zvikamu zvinenge zvitatu zvebhadharo muurongwa.
Nokuita kudaro, iwe unonyatsochengetedza 6% yemari yako yega yegore asi iwe unongorasikirwa ne3%. Nokusasimudza mukana wako wevashandi ari kusiya mari patafura iyo inogona kushandiswa kubhadhara mari yekuchengetedza uye mararamiro aunoda mukurasira.
Kutora chikwereti kubva paAkiti Yenyu Yekubatira
Vanhu vakawanda kwazvo vanobata chirongwa chekushandira mari yevanoshandira segwaro rekuchengetedza kana chirongwa chichibvumira chikwereti, icho chinowanzoonekwa. Kukwereta mari kubva pakuchengetedza mari yako kunogona kuva mhosho inodhura. Kana iwe uchibhadhara mari yacho, mari yawakatora panzvimbo yekutanga yakarasikirwa mukana unokura uye wakawanda.
Apo iwe unonzwisisa zvinokonzera zvinokonzera kuwedzerwa kufarira, iwe unofanirwawo kuziva mukana wekuita kwekuvhiringidza nzira. Nepo iwe unogona kubhadhara zvakare chido, kazhinji hazviiti kuti nguva yakarasika.
Imwe ngozi yaunotora kana kutora chikwereti kubva kurongwa hwako hwekurega basa inomuka kana iwe uchisiya basa rako usati watsiva chikwereti. Mune zvimwe zviitiko, chikwereti chinogona kuverenga sekuparadzirwa kana isina kubhadharwa zvakakwana, izvo zvinoreva kubhadhara mitero uye zvichida yakamanikidzwa kutora chirango.
Kwete Kuvhiringidza Mari Yako.
Izwi rekare rinoti, "usaisa mazai ako ose mudengu rimwe." Iro mazano akajeka, uye anonyanya kushanda zvakananga pane zvaunoshandisa pane yako yekushambadzira chikwereti, asi vanhu kazhinji havazviite. Zviri nyore kubatwa mumari yako apo yemusika uri kuita zvakanaka, uye kutsvaga kudzoka kwakakura kungaita sechinhu chakanaka. Kudzoka kwakanakisisa kwakaenzana nani nenyuchi. Asi pasina kukodzera kwakasiyana-siyana, uri kuzviisa pasi pengozi yakakwirira zvikuru uye chete inogona kudzoka zviri nani.
Kushaikwa kwemaitiro akasiyana-siyana kunonyanya kuonekwa pakati pevatengi ivavo vanowana mari yekushandira sechikamu chezvipo zvavo kana kuti kubhadhara.
Kunyangwe pane mitemo yakawanda yakapoteredza nguva uye yakawanda yeaunoshandisa iwe unogona kutengesa pane imwe nguva, inowanzoipa tsika yekuchengeta pane imwe nhengo iyo ichibvumira kuti ive huru uye yakawanda chikamu chenhare yako yekushambadzirwa kwepodfolio. Pakupedzisira, nzvimbo yakasiyana-siyana yakanyanyisa ichakubatsira iwe kuderedza dambudziko rako nekukwanisa kudzoka kwako.
Kwete Kuverengazve Purogiramu Yako
Kunyange zvazvo kusiyanisa mari yako yekusimwa mari yakakosha, hazviiti zvakanaka kana iwe usingawanzogadziridza chikwereti chako zvakare. Nokufamba kwenguva, imwe nzvimbo yakatanga se 50% yematokari uye 50% zvisungo zvichida hazvizove zvakafanana makore mashomanana kana kunyange mwedzi pasi pemutsara.
Kana zvikwata zvinowanikwa nenguva yekukura kukuru, chikamu chemugove wepodfolio yako ichakura apo hutano hwako hunogona kukura zvishoma.
Izvi zvinogona kuchinja mapikicha ako kuti ave musanganisi wekutengeswa kwematanda uye 30% zvisungo, izvo zvakanaka kuti kusanganiswa kwakakodzera nguva yako uye kushushikana kwengozi, asi kana 50/50 muyero ndiyo yakakodzera, chikoro ichi chave chava kunyanya kuve inowedzera ngozi kune iyo inofanira kuva.
Kubhadhara Purogiramu Yako
Paunobva kune waunoshandira naye waakabata bhuku rekurega, une zvisarudzo zvakawanda pamusoro pezvaungaita neakaunti yako. Kutanga, iwe unogona kuisiya muurongwa, iyo haisi chisarudzo chinotyisa kana iwe usina imwe kambani yekubhadhara (yakadai seIRA) yaunogona kuisa mari yacho. Chechipiri, iwe muteresi kutumira muteresi (anozivikanwawo seIRA rollover) kune imwe kero yakagadziriswa yekubvisa mari yakafanana neIRA kana urongwa hwemushandirwi wako.
Chechitatu, unogona kubuda. Apa ndiko kukanganisa kunotanga. Vanhu vazhinji vanosarudza kubhadhara mari yavo yebasa rekurega basa pavanenge vachibva kambani. Vamwe vanowedzera nechinangwa chekudzorera mari mune imwe nhoroondo, asi pane imwe misiyano yakawanda pakati pechipfuva nekubuda. Paunenge uchibvisa chirongwa chekurega basa usati wava nemakore 59½, iwe hausi kungotarirwa nemutero wekubhadhara pamutengo wose, asiwo kune hutano hwekurumidza kutora chirango. Izvi zvingava kutengesa kunokosha. Kune vamwe vanhu, izvi zvinoreva kupotsa kudhura kukosha kwebhuku muhafu!
Paunotanga muteresi-to-trustee kutengesa, kune rumwe rutivi, unogona kuvhara pamusoro pehuwandu hwekambani kune imwe kero yakakodzera pasina kubhadhara mitero kana mari. Saka paunobva kune waunoshandira, unofanira kufungidzira kufungidzira mari yacho muIRA. Izvi hazviiti chete kubvisa chero mitero yemitero kana zvikwereti, asi zvinovhurawo mikana yako yekutsvaga (401k zvirongwa zvinowanzova nemari shoma yekutsvaga) uye zvichida inowedzera kuderedza mari yekutsvaga (401k zvirongwa zvinowanzova nemari yakakwirira).
Kuora Mitezo Nokusarudza
Kuronga basa rekugara kunze kwakazara nemibvunzo. "Ndinoda mari yakawanda sei kuti ndiponese?" "Ndinoda mari yakawanda sei mukutora basa?" "Ndezvipi zvikwereti zvakandiitira ini?" Kunyange zvazvo urongwa hwekurega basa huzere nezvisarudzo zvinokosha zvaunofanira kuita, usabvumira kuti uoremerwe into inaction.
Kuzvidzivirira uye kusagadzikana zvimwe zvichikanganisa zvakanyanya iwe unogona kuzviita kana uchigadzirira kubhadhara kwako. Saka tora zvinhu chimwe nechimwe pane imwe nguva. Kubva panguva (uye shamwari yake inowedzera kufarira) ndiyo yako inokosha zvikuru, chinhu chinonyanya kukosha ndechokuti utange kuponesa nekutsvaga muhotera yekubvisa mari, kana iri chirongwa chebasa kana IRA.
Zvadaro, sezvo dendere rako rinokura uye iwe ukaswedera pedyo nekurega basa, funga kushanda nebhadha-based Certified Financial Planner (CFP) kuti ukurukure urongwa hwako hwekurega basa uye zvingasarudzwa iwe.