Ramba Uchiita Basa Rakanaka Rwakatanga Muna 20 wako uye makumi matatu
Kungofanana nemakore ekuma30, hapana nguva yakaipa yekugara pasi uye kutarisa purogiramu yakajeka kana hurongwa hwokuita nekuona zvinangwa zvako zvemari. Urongwa hwako hwema 30 hunofunga nezvekurega basa, dzidzo yevana, mari yebhizimisi, uye kushivirira kwako kwekutsvaga mari. Izvi zvakarongwa zvinofanira kuitika kwemakore gumi nerimwe.
Zviri nyore 40's Plan
Inguva yekuisa pamwe sarudzo yako iri nyore. Musoro wegumi uyu ndeyekuyeuka kuti marathon, kwete sprint.
Iwe unoda kuramba uchinge wakavaka pane basa rose raunowedzera mukuronga kwako mune zvemari mumakore ekuma20 uye makumi matatu. Iva nechokwadi chekuisa zvinhu zvinotevera zvinomwe muurongwa hwako:
1. Rambai zvose. Nhasi, 401K yako kana 403B inofanira kuva kubika, uye IRA yako inofanira kuiswa uye kuwedzerwa kune imwe neimwe mwedzi. Kana iwe uchangobva kuve nevana uye usati wakamisa mapeji ekuchengetedza chikoro sehurongwa we 529 kana chirongwa chokuchengetedza zvekudzidzisa, hapana nguva yakadai seyiyo. Ramba uchikurukura newawakaroorana naye pamusoro pezvinangwa zvako, iwe uri kushanda zvizere kana nguva imwe, uye zvinangwa zvako ndezvipi.
2. Cash is king. Cash pano inoreva mari inoshandiswa, mari inoshamisika, uye nguva pfupi yemari. Mwedzi mitanhatu kusvika kumi nembiri yemari yemari yemari yemari, maCD, uye zviso zvenguva pfupi hazvizokugadziri papepa, asi ichakupa rugare rwepfungwa, kuchenesa, uye kushanduka kunozoita kuti unzwe uine pfuma. Iyi mari yepamusoro yemari ichakupa iwe kushanduka kwemamiriro ekushanda, inokubvumira kutora mikana yenguva pfupi kana yapakati yemikana mikana yekuwana yakadai sekuwana dhigirii ( hongu kunyange mumakore makumi mana ) kana kukwanisa kutanga kana kubatanidza bhizimisi idzva.
Cash yakaenzana nekugadzikana, uye rugare rwepfungwa runofambidzana neyo iyo inokosha zvikuru.
3. Basa. Ramba uchitarisa basa rako sezvaunenge uchida kutenga kana chibvumirano. Imwe nzira inogona kunge ine ngozi zvikuru uye mibayiro yakakwirira. Chimwe chacho; kuchengeteka, kunyanya kufanirwa, uye kugadzikana. Izvi zvinofanira kuchinja mararamiro aunoshandisa maurimari ako.
Ita kuti mari yako yekutsvaga ive njodzi yakasiyana nedambudziko rako rebasa. Kubhadhara kukuru, kurohwa kana kukanganwa basa rekuita sekutengeserana kwemaimba imvumo yekuita mari yekuchengetedza. Vadzidzisi vekuMiddle School kana vanamukoti vanofanira kutarisa basa ravo uye kubhadharwa zvakachengeteka uye zvakasimba, zvichiwedzera kuwanda kwengozi yavanogona kutora muhuwandu hwavo hwekutsvaga mari.
4. Kubhadhara. Iye zvino kuti iwe uri mumakore ako makumi mana, basa rako rekuita uye nhungamiro rakanyatsorongwa kana iwe uchida kana kwete. Izvo hazvirevi kuti haugone kushandura mutungamiri wezvakanaka, asi iwe unofanirwa kuva nemafungiro akanaka pane izvo iwe nemumwe wako muchawana gore negore. Ino inguva yekugara uchikurukurirana nemumwe wako pamusoro paani anonyanya kusununguka kushanda zvakazara kana nguva.
5. Kuzvipira. Parizvino, bhodhi rekuzvipira inofanira kunge yakabatanidzwa zvizere mu "chikwata chekuunganidza-chikamu II," sechikamu chekutanga ndakatanga mumakore ekuma 30. Iye zvino, iwe haufaniri kunetseka pamusoro pekupararira kwechikamu, sezvo icho chichauya gare gare hupenyu kana dendere rako rinenge ravakwa.Ramba uchichengetedza 10% yemari yako yakawanda sechinangwa chakanaka, asi kuchengetedza 15% kana kunyange 20% zvingaita kuti gumi iyi iite basa kwauri.Nangarirai, kare iwe unotanga nguva yakareba ichave kuti kuwedzere.
Heino urongwa:
* 401k (kusvika kumutambo)
* ROTH kana tsika yeIra yakawanda
* 401k (kusvika kumusoro kana zvichibvira)
* Mushure mekuteresa mari
6. 4 Mazano: Kusiyana, kupa zvinhu, uye kuchengeta mitero nemitero pasi. Mhinduro iri nyore pano ndeye Exchange Traded Funds (ETFs). ETFs imotokari yemotokari inogona kuita zvikamu zvitatu zvezvinangwa izvi. Mimwe mienzaniso (chinyora cherechedza izvi haisi mazano) ndeyi:
* US: Vanguard's Total Market Index VTI.
* Internationally: iShares MSCI EAFA (EFA).
* Fixed Revenue: Vanguard's Total Bond Index BND iShares Investment Grade Bond ETF (LQD).
* Nezvechokwadi chekuwedzera kwemafuroti: The iShare TIP (pfuma yakachengetedzwa yezvigadziriswa) uye GOLD inogona kuwanikwa kuburikidza neSDRDR ETF chiratidzo cheGLD.
Tsvaka rubatsiro. Iye zvino inguva yakazova nguva yakanaka yekuita mari-yega, chiremba chekugadzirisa zvemari .
Mapepa-chete mazano mazano anofanirwa kuva chigadzirwa chegnostic uye zvakakwana chinangwa mukukubatsira kusarudza motokari dzakanakisisa uye mazano ekuzadzisa zvinangwa zvako. Kushanda neCFP® unyanzvi huchawedzera zvakare matambudziko ako ari kushanda nemumwe munhu anonyora kune inonyanya kukosha yemabhizimisi ekutsvaga mabhizimisi, maitiro, uye dzidzo. Mushandi wako weCFP anofanira kukwanisa kutora chikwereti chako chekutsinhanisa uye zvinokonzera kushungurudzika, pamwe nekubatana newe nekodzero yemutero (CPA), gweta rekugadzirisa nzvimbo yekuda kwako uye kuvimba kwako, uye unyanzvi hwehushuwarisi huchakubatsira nehupenyu uye inshurensi yokuremara.
Wati watanga chirongwa chako chakanaka 40 zvakadaro here?
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo