Kusarudzira Mutero Diversification uye Zvaungaita Kuti Ukubatsire
Mutero Diversification Tsanangudzo
Kusiyana kwemitero izwi rezvemari rinoreva kugoverwa kwemari yekutsvaga mari kudarika imwe yenhoroondo yekodha.
Kusiyana kwemitero kwakafanana nenzvimbo yedzimba (kwete kuti irege kuvhiringidzwa nemari yekugoverwa ), iyo inoreva kupararira kwekutsvaga mari muzvikwata zvakasiyana-siyana zvemakondomu ( nzvimbo yezviwanikwa zvekutsvaga) uye kusarudza zvakanakisisa zvekutsvaga mari dzinoshanda zvakanakisisa munyaya idzi.
Iyo miviri miviri yemari yekutsvaga maakaiti inotengesa mabhadharo uye nhoroondo dzekodzero dzakadzokorora. Paunoshandisa mari inotengesa mari, mari yaunoshandisa haisi yemutero, uye haina kukura mutero. Pane kudaro, mutengi anokweretwa pane zvikamu, kana chero, mugore, uye mari inobhadhara kana uye apo iyo inotengeswa inotengeswa pamutengo wakakwirira kudarika yakatengwa. Nenyaya dzekodzero dzakatererwa, dzakadai seIRAs uye 401 (k) s, mari inotengeswa inokura isina mutero kusvikira yabviswa.
Chii Chinoitika Pasina Mutero Diversification
Uchenjeri huripo hunongotaura kuti kugovera mari yose yenguva refu, yakadai sekusarura mari, kutanga kusvika 401 (k), kana iripo kuburikidza nemushandirwi uye kusvika kumushanyi wemashandi, uye zvinopa mari kune imwezve mari iripo kuRoth IRA .
Muzhinji, izvi zvakanaka mazano. Zvisinei, varimi vakawanda vanoita chikanganiso chekuwedzera ma 401 (k) pamusoro peavo vashandisi vemubatanidzwa kuitira chinangwa choga chokuderedza mari yazvino inowanikwa mari. Kana kuti vangaita chikanganiso chakakomba uye vagoita mari yakawanda mune imwe tsika yeIRA, panzvimbo yeRoth IRA, nokuda kwechikonzero chakafanana (ikozvino kubhadhara mutero).
Chikonzero icho ichi chingava kukanganisa ndechokuti vazhinji kana vose vashandi vanochengetedza kwenguva yakareba vanogona kuguma kuve vakakwana zvachose kubhadharekodha kwemareji ekuchengetwa kwemari. Nei iri dambudziko? Kana yose yako yekuchengetedza mari iri mumakero akangoderedzerwa mutero, akadai se 401 (k) uye tsika yeRRA, iwe unogona kuguma kubhadhara mitero yakakwirira kana iwe chete inowanikwa mubhadharo inobva kumabhuku aya. Kunyange zvazvo mishonga kune aya maakaiti isingabhadharwi, hutori hunoti 100% inotengesa kune varairidzi vezvemutero mukuru wezvemutero wemutero. Nokudaro, kana mutero wehuwandu uchienda kumusoro kana kana bhakiti yako yemutero inowedzera muhupenyu hwako, chero iyo inogona kuitika, iwe unogona kubhadhara zvakawanda mumitero kunze kwekuti waive nemamwe mhando dzebhuku, zvakadai sekukwereta kwekambani uye / kana Roth IRA.
Uyezve, kana iwe uchida kubvisa mberi kwekukodzero yekuzadzikisa kweHindu Social benefits, inogona kuva yakachenjera kuva neakaunti apo kubvisa kwacho kunokonzerwa nemari yakaderera (kana kuti isina kutererwa zvachose) mumakore iwayo anokosha ekutanga.
Nokuda kweizvi, onai chinyorwa changu: Ndicho Chetsika yeIra Yakafa Here?
Mutero Diversification Makomborero
Sezvaunogona kunge watofungidzira, zvinobatsira zvekutengesa mutero (kuparadzira kuponesa pakati pemarudzi akasiyana-siyana eakaunti) kwakafanana nekutsvaga kwekutsvaga kwekutsvaga - kuderedza dambudziko.
Semuenzaniso, nguva yakareba inowanikwa mubhadharo yemutengo wekutsvaga mari mumatareta anotere ndeye 15%. Zvisinei, kubhadharwa kwemitero yakabhadharwa kwekodhi kunokonzerwa nekodzero yepamusoro yeferal income tax bracket yemunhu mumwechete (kana kuti vaviri kana vachibatana pamwe chete). Izvi zvinogona kuva 25% kana kupfuura kune vakawanda vakasiya.
Uyewo, iwe uchawana zvakanyanya pamusana pekuteresa kwemitero nekusiya yako 401 (k) uye tsika yemaitiro IRA isingatauri uye kukura musero musingashandi kwenguva yakareba. Nokudaro zvakachenjera kubvisa kubva kumabhadharekiti ehurumende uye Roth IRAs kutanga mukurasira uye kubvisa kubva kumabhengi emitero akaregererwa gare gare.
Kana iwe uchida kubvisa pamba, kunyangwe usati wava nemakore 59 1/2, apo 401 (k) uye tsika dzezvekare dzeIRA dzinotora chikamu che 10% "chirango chokutanga chekuregererwa," ine maakareji anotengesa anogona kunobatsira.
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.