Kuchengetedza kubvisa kwaunenge uchidzoka kunokosha pakurega basa. Heino chikonzero.
Kubhadharwa Kwakaenzanisa Muenzaniso
Ngatitarisei muenzaniso wekuregererwa kwekuita basa.
- Unofunga pakutanga kwegore iwe une $ 100,000 mune imwe nhaurirano yekutsvaga.
- Pamusoro pegore rose iwe unotora $ 8,000.
- Kuda kwako kubvisa kwegore ndeye 8% ($ 8,000 akaparadzaniswa ne $ 100,000).
Nhamba yakachengetedzwa yakachengetedzwa inofanirwa kuva iyo mari yaungapedza gore rimwe nerimwe usingambofungi nezvekubuda kwemari. Zvichienderana nehuwandu hwehutano hwekutsvaga kwako, kushanda kwekutsvaga kwekutsvaga, uye kudiwa kwekuwedzera kuregererwa kwekutengesa kwezvinhu, kuvhara kwakachengeteka kunogona kuenzana kubva pa3% kusvika ku4,5% pagore.
Zvimwe zvidzidzo zvakaronga kuti iwe unofanira kuramba uchingobvisa 4% kana pasi kuti uchengetedzwe. Izvi zvinokwana 4% zvekuregererwa zvinogona kushanda sematambudziko anotungamirirwa kutevera. Ongororo yakawedzerwa yakaratidza kuti nekutevera mararamiro ekuregererwa kwemitemo inokuudza iwe kana iwe uchiwana kusimudzwa uye apo iwe unoda kutora mubhadharo iwe unogona kupedza zvishoma uye kubvisa 4% -6% pagore panzvimbo ye 3 -4%.
Kana iwe usati wapera mutirano, imwe nzira yekushandisa kuregererwa kwekutora ndeyekufungidzira zvaungagona kubvisa gare gare. Semuenzaniso, pa5% yekuregererwa kwekutora iwe unogona kubvisa $ 5,000 pagore nemari ye $ 100,000 yawakange watenga.
Zvechokwadi mamwe e $ 5 000 iwayo aizofanira kuiswa pamagetsi ekubhadhara mitero mukurega basa.
Kana iwe uchinge wakanyanyisa nezvekuita urongwa hwako hwekugara, panzvimbo pane kuvimba nechirevo chechigunwe, iwe unoda kuumba purogiramu kana nguva inoratidza kuti iwe unotarisirwa kubviswa gore rega roga muhutano hwose.
Mamwe makore iwe unogona kuwana mari yakawanda yekutenga motokari kana kutora rwendo. Mamwe makore, iwe ungada zvishoma.
Chikonzero Nei Uchida Kuchengeta Kuda Kwekuregererwa Kwako
Paunenge uchiri mutirano, zvinokosha kuti uone kutora kwaunoita gore roga roga uye uenzanise neurongwa hunoratidza kuti chii chinofanira kunge chiripo kuitira kuti mari yako irambe iripo panguva yose yekurega basa.
Kana uwandu hwekudzoka kwako huri pamusoro pezvawakaronga uye iwe unenge uine tarisiro yeupenyu hurefu, unogona kupera mari. Kuchengeta iyi metric kwakafanana nekupinda mune zvenyama. Iyo inzira yekuongororera uye kuva nechokwadi chokuti kushandiswa kwako kuri kune utano huri nani kana uchienzaniswa nesimba rako rekusimbirira.
Kubhadharwa Kwemari Kubudirira
Nezvo ramangwana, zvakanaka, ramangwana uye risina kugadziriswa, iwe unoda kuva nehuwandu hwerongwa hunobvumira kune imwe "wiggle room" muhuwandu huri kurega gore negore. Izvi zvinoreva kuti iwe unogona kukwanisa kubvisa zvimwe mugore rimwe chete nokuda kwekutenga kukuru semotokari, uye zvishoma mune rimwe gore uko pasina kutenga kukuru kunowanikwa.
Imwe nzira yekuita chokwadi kuti hausi kurega zvakanyanya ndeyekugadzirira hurongwa hwekuregererwa hunoita huripo hunoisa mari yakaiswa kubva muzvikwereti zvako kuenda kuongororo yako yekuongorora. Izvi zvinoshanda se "mubhadharo" uye kana iwe ukangoshandisa izvo zvakasungwa zvinogona kukuchengetedza kuti usapinda mukati uye kushandisa mari yakawedzerwa yaive yakarongedzerwa mune ramangwana - kwete yegore razvino.
Imwe nzira yakabudirira ndeyeiyo inonzi nguva-segmented kurega kushandiswa apo inotengeswa inoitwa kuti ienzane nenguva yaunenge uchida. Semuenzaniso CD inogona kukura gore roga rega kusangana nemari yako yekushandisa yegore iroro.
Kana iwe uine mari muIRAs uye 401 (k) zvirongwa, chinhu chimwe chekuchengeta mupfungwa ndechekuti kutora kwako kuchinje kana kudikanwa kwemadiki kushandiswa kunotanga. Iyi mitemo inoda kuti iwe utange kubvisa kubva kumabhengi ekurega mari pazera remakore 70 1/2, uye gore roga roga iwe paunokura, unofanira kutora zvishoma.
Kana uchinge wabuda mubasa rekusunungurwa, chinhu chakakosha ndechokugadzirira uye kuenzanisa neurongwa uhwu. Kuve nekutevera chirongwa ndicho chinhu chimwe chete chinonyanya kukosha chaunogona kuita kuti uve nechokwadi chokuti une mari yakakwana yemakore ako ose ekurega basa.