Nhanho Dzakadzika Nzira yekuenzanisa Nayo Target Zvikamu zveKubvisa Mari
Vanhu vakawanda vanonyatsoziva kukosha kwekuchengetedza mari uye vazhinji vedu tine mari yakawanda yakasarudzwa kwemakore avo endarama. Asi zvakakwana here? Uye tinoziva sei kuti "zvakakwana" zvakadini? Munhu angaziva sei kana vari munzira yekuzadzisa zvinangwa zvavo zvekurega basa?
Zvakaoma kuziva zvakajeka kudiwa kuti upiwe mari nemari. Asi zvinokwanisika kuwana kuongororwa kwakanaka, izvo zvinozobatsira pakudzidza kuti unofanira kurega zvakadini zvino kusvika kune zvinangwa zvako.
Heano matanho ekutanga ekufungidzira kuti muchadirei kubvisa pamba:
1. Ongorora Mari yaunowana Mukurasikirwa
Kufungidzira mari inoshandiswa kuti uite basa rekusiya basa hakusi kwakaoma sezvinogona kuonekwa. Iwe unogona kutanga nemari yako yazvino uye kuita zvishoma kuverenga kuti uwane paunoda mari yekubvisa mari.
Kuverenga kunonyanya kujeka ndekushandisa mari yako yemazuva ano, kuigadzirisa iyo yekutengesa, saka shandisa 80% yemari iyoyo sechinangwa chekubvisa mari. Kana iwe usati uri maitiro wiz kana iwe usingazivi kuti ungashandisa sei mari yekugadzirisa zvemari, unoshandisa mutemo we 72 kana iwe unogona kungoshandisa an online inflation calculator
Nekutonga kwe 72, iwe unoparadzanisa 72 nechiyero uye iwe unowana nhamba yemakore inotora kuwedzera kaviri yacho.
72 inoparadzaniswa ne3 ndiyo 24. Izvi zvinoreva kuti mumakore makumi maviri nemaviri, mari yekurarama (uye naizvozvo mari yako yaunoda) ichave yakapetwa kakawanda sezvairi nhasi.
Nhamba yakanakisisa uye yakajeka yakawanda inogona kunge iyi iri muIndaneti inflation calculator (iyo "mberi flat rate" kuverenga). Semuenzaniso, ndakanyora mu $ 75,000 nokuda kwemari yemazuva ano uye ndakashandisa nguva yegore makumi maviri.
The calculator inoti kukosha kwemazuva anouya (kana kuti mari inouya mune ramangwana inowanikwa mubasa redu rekurega basa) inenge madhora 135 000.
Iye zvino tinowedzera $ 135,000 ne 0,8 kana 80% uye tinowana $ 108,000 - kuongororwa kwekuti munhu kana imba inowana $ 75,000 nhasi ichadikanwa makore makumi maviri kusvika makumi matatu kubvira ikozvino pakubhadhara. Iko 80% kuverenga, kana iwe uri kushamisika, inowanikwa mukugadzirisa zvemari apo vamwe varayiri vanoshevedza mubhadharo wekugadzirisa chiyero . Vakawanda vari muchengeti havadi 100% yemari yavo yepamberi yekubvisa mari uye 80% inowedzera kuva yakakwana pamwero. Kana iwe uchida kuchengetedza, unogona kushandisa 85% kana 90% panzvimbo.
2. Fungidzira Maererano Nezvinhu Zvokurasikirwa (Zvimwe Kusiri Kwemari)
Iwe unotarisira kuva nemhedheni yemari pane imwe mari yako here? Kunyange zvazvo Social Security inenge isingaoneki yakavimbika kune vamwe vanhu, hazvibviri kuenda. Kuti uchengetedze, tarisa paSocial Security statement uye shandisa nguva yakazara yekurega basa kuti uishandise nekuverenga. Kana ruzivo ruchinjwa nehurumende yehurumende, inogona kuchinja mitemo pakutora kubatsirwa kare (ikozvino yakagadzirirwa pazera remakore 62).
Uchishandisa muenzaniso wekuverenga muchigamba chekare, ngatiti iwe unofungidzira kuti Social Security yako inowanikwa kuti ive $ 20,000 pagore.
Iye zvino chibvisa icho kubva kune $ 108,000 yekufungidzira kwekuwana mari uye iwe iye zvino une $ 88,000 inodiwa kubva muzvikwereti.
Kana iwe uine ruzivo rwakakwana kuti uve nemamwe magetsi emari, zvakadai sepenjeni kubva kune waunoshandira, iwe unogona kuita zvakafanana kune iyo iyo mari uye woibvisa kubva pane zvaunoda mukurasira.
3. Ongorora Mari Inowanikwa Mari Inowanikwa Gore Negore uye Ita Ive Yakawedzerwa Makore makumi matatu
Dambudziko guru kune vakawanda vakasiya mari haisi kukwereka pamusika wekutengesa asi iyo ngozi yekubuda kunze kwekuchengetedza kwavo. Saka, kunze kwekuti une mhuri yehutano kana chirwere, iwe wakachenjera kutarisira kurarama kune makore makumi mapfumbamwe kana kupfuura.
Iwe ungaita sei kuti mari yako yokurega mari ienderere mberi kwemakore makumi matatu? Imwe nhungamiro yakawanda yekusarura mari ndeyekutonga kwe 4% , iyo inoratidza kuti kutanga kutanga kwekuregererwa kwekutora kwegore rokutanga rekurega basa ndiro 4 muzana yekubhadhara mari yese.
Kubvira ipapo, iwe unogona kuwedzera gore rekuregererwa kwemari kune imwe 3% kuitira kuti kuwedzera kwekuwedzera kwezvinhu kuwedzere.
Yeuka zvakare chimwe chikamu che4%, iyo inowanikwa gore rehuwandu hwekudzoka pamari iwe unofanirwa kuenzanisa kuita kuti mari yako igare kwemakore makumi matatu.
Nokuda kwemuenzaniso wakajeka, ngatiti iwe wakakwanisa kuchengetedza $ 1 mamiriyoni nemakore 65. 4% ye $ 1 mamiriyoni i $ 40,000. Izvi zvichava kusununguka kwako kwegore mugore rimwe rekurega basa. Mumakore maviri, unogona kubvisa $ 41,200 (40,000 uye 3%). Kana iwe uchiramba uchiwedzera ne3% kuwedzera kwemadhora gore rose, unogona kutarisira mari yacho kuti igare kwemakore makumi matatu kana kupfuura.
4. Sarudza Kuti Ndezvipi Zvakawanda Zvokuchengetedza Kuzadzisa Chinangwa Chekurega Basa
Zvakare, tinogona kushandisa mamwe mazana uye mitemo yakawanda yechigunwe kuti usvike pachiyero chakanaka chemari yakawanda yaunofanira kuisa pamberi pekushanduka kwako kuti uite basa rekugara.
Kana iwe usingazivi kuti ungashandisa sei mari yekugadzirisa, mari yako yakanakisisa ndeyokushandisa paIndaneti retirement calculator. Iri rekushandira mari yekugadzirisa kubva kuBhangerate.com inoita basa rakanaka rekufukidza zvigadzirwa zvezvandakakuratidza pano.
5. Usanetseka, Iva nemufaro
Kana iwe uri munhu akajairika, uchaona kuti hausi kuchengetedza mari yakakwana kuti uwane zvakakwana kuchengetedza kwako nemari yako yemazuva ano. Asi zvose zvaunogona kuita ndezvakanaka zvako uye kunetseka pamusoro pehupenyu hwako hwemangwana rekugadzirisa haufaniri kuve kukonzera kukanganisa pahutano hwako hwehupenyu huno.
Kana iri nyaradzo, vashandirwi vanowanzozviwana vachinetseka uye vasina kuzadziswa vasina kuita zvinhu zvinobudirira uye vanobatana nevamwe vanhu. Fungidzira izvo zvinotsanangurwa - basa!
Asi haufaniri kushanda mubasa rakaoma uye zvichida kwete chimwe chinhu chakakwana nguva. Kwemakore anenge 10 musati waita basa rekurega basa, tanga uchitarisa mitsetse yebasa risingakwanisi kubhadhara asi iwe unofara. Kana kana iwe uchitoda basa rako remazuva ano, tanga kuronga kwemazuva masere, paunoshanda mashoma maawa.
Nokuita chimwe chinhu chaunofarira, hauzonzwi sokuti uri kushanda. Uye pamwe nekuwedzerwa nguva, iwe uchakwanisa kuderedza uye kuita zvimwe zvinhu zvaungambove wakambosangana nazvo kare muupenyu, zvakadai sokufamba kana kungotora masikati masikati.
Onawo: Matanho matanhatu ekugadzirisa kwehupfumi uye Uzviite Iwe kana kuti Uwane Mutevedzeri Wezvemari
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.