Zvinosuruvarisa, hazvisi izvo zviri nyore. Kune vashandi vari mubhasikiti dzepamusoro dzepamusoro, zvingatoti, ikoizvo, inobhadhara kuisa mari mumatarenda asingabhadharwi , sezvo nyaya dzisingabhadharwi dzinowanzopa zvikwereti zvakasati zvatanga kutengesa kupfuura hurumende dzisungo.
Kuziva kuti masayiti ematare ehurumende yakabhadharwa sei (TEY) inotaridzirwa ndiyo danho rokutanga pakusarudza kana munis yakarurama kwauri.
Mashoko akanaka: hazvisi zvakaoma. Heino nzira yekuverenga mutero wakaenzana wezvibereko mune zvishoma zvishoma:
Chokutanga, tsvaga kugadziriswa kwemutero wako, kana nemamwe mazwi, 1 - yako inotora mutengo. Kana iwe uchibhadhara 25%, iyo inowirirana inongova 1 - .25, kana .75 (75%).
Chechipiri, gurai izvi muzvibereko pamusangano usina kubhadhara mutero kuti uwane mutero unobhadhara mutero. Kana bvumo iri mubvunzo iri kubhadhara 3%, iyo equation ndiyo 3.0 yakakamurwa ne75, kana 4%.
Iye zvino kuti une ruzivo urwu, unogona kuita maapuro-kusvika-aporo kuenzanisa pakati pezvinhu zvinotengesa uye zvisina mutero. Kana kubhadhara mutero wekodhi yakaenzana nekodhi uye nguva kusvika mukukura kunobereka zvinodarika 4%, saka iwe unenge uri nani pakudyara mubhadharo inotengesa. Kana iwe uchivhara mitero yakasiyana yemitero muyo equation pamusoro apa, uchaona kuti yakakwirira iwe mutero wekutengesa, inowedzera mutero wakaenzana nemutero - kuratidza kuti kusungirirwa kwemitero kwakanakisa sei kune avo vari pakakwirira mabheji.
Ramba uri mupfungwa, masisita emasitrasi akabudiswa mukati mehugaro hwako hwekugara angave asingabhadhara mutero kune zvose zvehurumende nehurumende maitiro - ayo anonzi "kaviri asingabhadhara mutero." Muchiitiko ichi, iva nechokwadi chekutora muhurumende yako yemutero paunenge uchiverenga kuwirirana muNhanho 1. Mamwe mazwi, kana federal yako inotora mutengo ndeye 25% uye yako yehurumende mutero uri 3%, matanho akakodzera muChikamu 1 angave 1 - .28 = .72
Nhasi mitero mabhaktiki inogona kuonekwa pano .
Kune mairi maviri emakwikwi ekufungidzira:
Chokutanga, Mari dzeUnited States dzisingabhadhara mutero munharaunda yehurumende. Kana iwe uchifananidza kusungirwa kwemasimende kuHurumende hurukuro, iwe unoda kutora chibereko pakukura kweMariki panguva yekutenga uye kuwedzera ne (1 - yako yehurumende mutero wehutori).
Chechipiri, cherechedza mupfungwa kuti kana iwe uchitengesa mumwe musungo usati wakura, kana iwe ukatenga chikwereti uye uchitengesa ichiwana pfuma, iwe unenge uri pachikwereti chekubhadhara mutero. Kunyange zvazvo mari yacho isingabhadhara mutero, mari yepamusoro haisi iyo. Dzidza zvakawanda pamusoro pekuti kutengeserana kwemari kwakabhadharwa sei .
Chinhu chakakosha: nguva dzose iva nechokwadi chekuita masheche aya mashoma usati watenga bhenji yezvisungo kana muni bond fund. Mutero usingabhadhari unonzwika semafungiro makuru pamapepa, asi iwe unogona kunge uri kupfuudza mukana wekuwana mari yakakwirira mushure mekubhadhara mutero.
Zvinonzwisisika : Mashoko ari pawebsite ino anopa zvinangwa zvekukurukurirana chete, uye haafaniri kutorwa semazano ekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro. Iva nechokwadi chekutsvaga kubhadhara mari uye vateresi vadzidzisi usati waita mari.