Nzira yekuverenga sei Ramangwana uye Nhasi Kukosha kweMucheka Sum
Nheyo huru ini ndinoedza kuidzokorora mune zvese zvekuchengetwa kwepodfolio uye nyaya dzezvemari ndezvehuzivi hwandinotenda nemoyo wose: Mari ndiro chigadzirwa.
Hapana chimwe. Hapana chinhu chiduku. Icho upenzi kuti uwane icho nekuda kwayo. Panzvimbo pezvo, kusimbiswa kunofanira kuve pamubvumirano unogamuchirwa pakati pezvinhu zvaunofanira kusiya maererano nenguva, kushanda, uye njodzi, maererano nezvikomborero zvaungagamuchira. Kana iwe uchange uine hupenyu hunofara mune taraira pamhenderekedzo yegungwa, uye usafunga kuti iwe usati uine motokari itsva kana kukwanisa kuwana zvigadzirwa zvepamusoro, ndingadai ndapikisana hazviiti kuti pfungwa yako irege kuparadza hupenyu hwako mune basa raunovenga, kuita basa rausina kufarira, zvose zvekuti rimwe zuva, zvichida, pane imwe nguva mune ramangwana, unogona kukwanisa kugara pamhenderekedzo iyoyo muimba ine nheyo isinganyanyi kushandiswa kwauri. Ini ndinotaura izvozvo nokuti ndinotenda nguva ndiyo iyo inokosha inokosha yaunayo. Izvo zvinokanganisa ndezvi, iwe unongova nemazuva 27,375 ane chipo kwauri, uye ndiko kufunga kuti iwe une ruzivo rwakakwana kuti uite kuhutarisiro hwemazuva ehupenyu. Kana izvo zvichange zvapera, ndizvo zvazviri. Mutambo wapera.
Iwe haugoni kuvadzivirira. Iwe haugoni kuzvichengeta kuitira kushandiswa kwemangwana. Ndizvo, sezvinoreva shoko iri, "sejecha kuburikidza ne hourglass". Ndizvo zvakaita zvinhu zvose. Zvakaipisisa, kana iwe wakavaka pfuma yakawanda uye kwete, zvakadaro, wakaifarira, ichaguma mune maoko evamwe vanhu; zvichida kunyange vezvematongerwe enyika vanozvitora nenzira yeHurumende mitero.
Ichi ndicho chikonzero chandinobva pandinobatsira shamwari dzangu nemhuri kuvaka hurongwa hwemari. Nokuvayeuchidza nezvechokwadi ichi chinokosha, inodzivisa muedzo wekufunga nezvekuponesa mari semugumo-mutsara; iyo inowanikwa ndiyo chinangwa chikuru. Maonero angu, zvingava zvakanaka kune mumwe munhu aifarira kuenda kune nyika pavanenge vari vaduku, vane utano hwakanaka, uye vane simba, vachipedzisira vaine zvishoma, zvishoma zvishoma zvekurega basa, kupfuura kuedza kushanda pasina kumisa kwemakore 40, kuenda chero kupi, ipapo tarisiro yekuti iwe uine hutano hwakakwana hwekukwirira makomo uye kurara pasi pe nyeredzi apo vari kukwevera pasi Social Security checks. Chero bedzi iwe unotsanangurwa mukuverenga kwako mukana wekuti iwe uri kurasa, unoda kurarama nemigumisiro usina kutarisira vamwe kuti vaite kukanganisa, uye kuwana humwe humwe kuzadzika uye mufaro kune mari nhasi pane imwe nguva mune ramangwana, ndinofunga pane mamiriro ezvinhu umo kuisa mberi kwekuita mari kune kukanganisa.
Kuti uzviise zvishoma nezvishoma, ndaizoenda zvakanyanya kutaura izvi, kana iwe uchiita zvinhu zvakanyatsokodzera - kuwana mari isingabhadhari yaunokwanisa kubva kune yako 401 (k) kuronga uye zvizere mari yeRoth IRA , kudzivisa kadhi rechikwereti chikwereti uye kubhadhara chikwereti chemudzidzi wako - Ndinofunga kuti pane dzimwe nguva kuchenjera kutaura, "Handisi kuzotenga imwe $ 10 000 inokosha yeyo index index , ndiri kuenda kundopedza mwedzi miviri ndiri muimba yakakodzwa muSwitzerland kuti vawane tsika dzakasiyana. " Iwe unogona kuzviita.
Ndinoziva vanhu vakazviita; vanhu pavanowanikwa misha mizhinji vanongotora mari yavo nekuchenjera.
Kune rumwe rutivi, dzimwe nguva ndinotenda kuti kuchenjera kuita zvakasiyana. Panzvimbo pokutenga motokari itsva, kusarudza kutyaira yako iripo kwemakore mashoma uye kuisa mutsauko muhomwe yako kana musimboti wechikwata chinogona kukupa rusununguko mushure mekuvandudza imba yako, kana kuwana rubatsiro kuvana vako vanobhadhara chikoro. Izvi zvingaita sezvinopesana asi mharidzo iwe unofanirwa kusarudza kushingaira zvichienderana nemari chaiyo yezvaunoda, kwete kungofamba-famba mukati mehupenyu uchiita chero chii chinonzwa zvakanaka panguva ino. Iwe uchange uchitengesa iwe pachako nokuti ichaita kuti zvido zvako zvenguva pfupi zvikunde mberi kwekugara kwenguva yakafara.
Iwe unozviita sei? Unoverenga sei mari chaiyo? Nguva yakakosha yemari.
Rega ndikufambe nenzira mbiri dzingashandura maonero aunoona mari iri muhomwe yako kana kubhengi yebhangi nokusingaperi.
Kushandisa Ramangwana Rinokosha reMucheka Sum Time Value yeMari yekufambisa kufunga nezveMari seChigadzirwa
Chokutanga, tinoda kushandisa nguva yenguva yemari inozivikanwa sekukosha kweramangwana yemari yakakwana kuti uverenge mari yakawanda yaunenge uine pane imwe nguva zvichienderana nechisarudzo chako chekushandisa mari yako nhasi. Ndakakufamba iwe kuburikidza nokuverenga kwemakore mazhinji, makore akawanda akapfuura munyaya ino asi zvakakodzera kudzokorora pano .
FV = pmt (1 + i) n
FV = Kukosha Kwemangwana
Pmt = Payment
I = Nhamba yekutora iwe unotarisira kuwana
N = Nhamba yemakore
Mufananidzo unogona kukubatsira iwe kunzwisisa simba rayo. Chimbofungidzira uri kumira muchitoro uye unoona chitupa che cashmere chaunoda $ 399. (Izvo zvinowanzoitwa muzvikwereti hazvirevi nepamusoro pamakore 50% emari inowanikwa muUnited States kuitira kuti kutenga kwakadaro kusingave kwakangoerekana kuripo kana iwe uri kuverenga nyaya ino uye ukapinda mune zvaunowanzoita zvevanhu.Kana iwe usingakwanisi kufungidzira kushandisa mari iyo zvakawanda pane chimwe chezvokupfeka, kunotsiva chimwe chinhu chipi nechipi; muvhenganisi weC Kitchen Aid kana iPad itsva) Unogara mune imwe nyika isina mutero wekutengesa pamusoro pezvokupfeka kuitira kuti tisazvitsigira. Unogona kutenga iyo jira, uye unakidzwa nayo kwemakore mashomanana anotevera, kana iwe unogona kukandira mari muhurukuro yako yekodzero kana bluji chip stock portfolio kuti upedze kana chipo kune mumwe munhu makore 25 kubva ikozvino.
Nhoroondo yepamusoro, makurukota emakemikari ematokari akadzoka 10% uye maduku emari mashomanana ematokari akadzoka 12% paakawanikwa achishandisa mari shoma, inobhadhara mutero, kutenga-uye-kubata sarudzo yekuisa mari pasina zvishoma, zvikamu zvinowanikwazve , uye nedhora mari inoshandiswa inoshandiswa kuti inobatsire pamusika inogumburwa. (Nhoroondo pamusoro peiyi inonzwisisika.) Zvinofadza kuti hapana munhu anozviita kunze kwevapfumi uye vanobudirira izvo zvinotsanangura Vanguard muvambi John Bogle mumashoko aakaita mune rimwe remabhuku ake, zvichida sei ivo vapfumi uye vanobudirira munzvimbo yekutanga.)
Iwe unosarudza kuva kunyanya kuchenjerera uye kuverenga huwandu hwekuwedzera huwandu hwe8%. Iwe unobvisa chikata chako uye uvhare mumatare akakodzera.
Danho 1: FV = $ 399 (1 + .08) 25
Nhanho 2: FV = $ 399 (1.08) 25
Nhanho 3: FV = $ 399 (6.848475)
Nhanho yechina: FV = $ 2,733
Zvakadini nehutsika, kunyange zvakadaro? Zvechokwadi kutengesa kwezvinhu kunobatsira sezvaunoda kuzvizvidzivirira kubva pane zvaunoramba uchiita . Uri kutaura. Zvinodaro. Kana mari iri chigadzirwa, zvose zvinokosha ndezvokuti zvinogona kutenga zvakadini. Kutengesa kwezvinhu kuri kuderedzwa mune mari. Inomirira kurasikirwa kwekukosha saka inofanirwa kuiswa munhamba dzedu.
Kugadzirisa Izvi nokuda Kwekugadziriswa Kwazvakabhadharwa Ichishandisa Nhasi Kukosha Kwemucheka Sum Time Value ye Money Formula
Nzira iyo yatinoshandisa nayo iyi ndeyokutora kukosha kwemunguva yemberi yaunayo kubva pakupedzisira kuverenga uye kuidzosera ikozvino kuzvino pane inofungidzirwa kutengesa mutengo . Ngatitii iwe unofunga kuti kutengesa kwenyika kuchaendesa 3% pamakore 25 anotevera. Muchiitiko ichi, iwe ungashandisa nguva yakasiyana yemari yemari kuverengwa inozivikanwa senhamba yemazuva emari yemari.
PV = FV / (1 + i) n
PV = Nhasi Kukosha
FV = Kukosha Kwemangwana
Pmt = Payment
I = Kubhadhara Mari
N = Nhamba yemakore
Munyaya iyi, tinovhara nhamba yako inobatsira:
Danho 1: $ 2,733 / (1 + .03) 25
Danho 2: $ 2 733 / (1.03) 25
Danho 3: $ 2 733 / 2.09
Danho 4: $ 1,308
Izvi zvinoreva mubvunzo waunoda kuzvibvunza ndeupi kana kuti usingashandisi $ 399 nhasi zvakakosha kune iwe kupfuura kuva ne $ 1,308 inowanikwa mumazuva ano zvakaenzana simba rekutenga simba makore 25 kubvira zvino. Kunyange kana iwe usingadi mari iyoyo iwe pachako, sezvaunokura uye uchibudirira, unogona kuwana kuwana kubatsira kune vamwe munzira kunogutsa. Somuenzaniso, nokuda kweKrisimasi gore rino, takapa muzukuru wedu uye nephews zvikamu zveThe Hershey Company yeKrisimusi pamwe nehombe huru yebazi yevhisi yavo yavanofarira. Isu tinopawo nheyo dzenheyo dzemhuri senzira yekutsigira zvinokonzera kwatiri. Izvo zvinyorwa zvezvinhu zvinokosha zvikuru kune isu kupfuura kuwedzera imwe motokari kana kutora rumwe rwendo.
Zvinowanzova yechipiri mushure mechinguva kuita izvi-kushambadzira kuongorora kuti ini zvino ndinoita zvakawanda kuverenga mumusoro mangu sezvo ndakagamuchira zvigaro zvinondibvumira kuti ndikurumidze kusvika pamagumisiro ekuguma. Murume wangu neni tinouita mutambo. Tine kuiswa kwekambani iyo chero nguva yatinoita chisarudzo chekugadzirira chimwe chinhu - titi tinokwanisa kuchengetedza $ 8 nekukwira bhegi rekoshi shoma rekoti yedu yaidiwa muSam Club panzvimbo pokutenga mumidziyo miduku pamusika wekona - tichasvava mari yacho mairi pakarepo kubva pemafoni edu. Nguva nenguva, tinoisa mari yakaunganidzwa kushanda, kuita sekuti takanga taipedza; kuti hahupo. Kwemakore, zvisarudzo zvinoita sezvishoma - kwete kurongedza kunwa masikati, kushandura mazai emagetsi kune mamwe masimba anobudirira mumusha medu- zvakaguma nehuwandu hweupfumi hwakawedzerwa pahunenge huchibatsira kuti tidzivise kuwedzerwa kwemazuva (mafambiro emari yakabudirira kupedza kushandisa kunyanya sezvo mari yavo inowedzera pasina kufungisisa kana kuwedzerwa kwemari kuchiita kuti vafare kana kuti vanopa rubatsiro). Sezvo kuchinja kwepfuma kwakanyanyiswa pamusoro pemakore gumi nemakumi apfuura, isu zvino tazviwana tine mamwe mashomanana emafuta nemafuta emagetsi, mabanki, makambani ezvekudya, mabhizimusi, uye mamwe mabhizimusi anotitipa zvikwereti nguva dzose; zvikamu zvingadai zvisingave zvaivepo dai tisina kusarudza kuti chii chaikosha kwatiri, zvichibva pane zvedu, maonero edu.
Nenguva ino kukoshesa kwemari mazano kunotipa simba. Dzinotibvumira kuti tinyatsoona zvatinoda chaizvo , kuwedzera mufaro wedu. Zivo isimba uye kuyeuka mafomu zvachose zvakasununguka, kunze kwekuti iwe unoda kuanyora pasi kazhinji kacho uye unozviisa kumusana kwepfungwa dzako. Kana ukangodonha ichi, zvinobatsira, zvinogona kunge zvisingafungi kunyange kutarisa kumira. Zviite. Hazvigoneki kuti iwe uchazombova nechikonzero chekuzvidemba.