01 Nei Tichifanira Kuyaruka Vakuru Vakuru?
Mumakumi maviri uye kunyange mumakore matatu, kusununguka kunoratidzika sekureba kwenguva refu. Asi chokwadi ndechokuti rimwe zuva iwe unogona (unenge uchida iwe) unoda kurega kushanda zvakaoma sezvamunoita uye wozorora uye unakidzwa nehupenyu hwako mumakore ekuma60, 70 uye kupfuura. Kunyanya, nevakuru vechidiki vanozvichengetedza zvikuru, kurarama upenyu hurefu, hutano hwakanaka haisi kungoita chete asi zvinonyatsoita. Iwe hausi kuda kupera mari usati wapedza nguva. Kuchengetera ramangwana kunotanga zuva raunotanga kushanda mubasa renguva yakazara. A 401k, kana yakapiwa nemushandirwi wako, ndiyo nzira yakanakisisa yekutanga kuronga remangwana.
02 Unotanga Sei Kuponesa?
Kupindira mune chirongwa che 401k kuburikidza nemushandirwi wako kazhinji inzira inonyanya kuisa kutanga kuisa mari kure kwenguva refu. Vashandi vakawanda vari kutsvaga vashandi vepamusoro vanopa 401k sekubatsira, izvo zvinovabatsira kuchengeta tarenda. Kunyange zvazvo kwete mapoka ose ari kupa zvipo zvakakodzana, kana kuti akazononoka kutanga kutarisana, munhu wose anofanira kunge ari kupa chikamu chakanaka chavanogona kuita 401k. Paunofunga kugamuchira basa rinoitwa, tarisa mazano anobatsira uye kunyanya funga nezve 401k uye kuti mupiro wakafanana unoshanda sei. Kana iri sarudzo pakati pekambani inofanana nedhora rekudhora nekambani isingaiti, funga kuti iyo yakafanana nemari yakawedzerwa mari. Zvinogona kunge zvakakosha kusarudza kambani iyoyo nokuda kwechikonzero ichocho.
03 Ndeapi Mari Yaunofanira Kuita?
Maererano neForbes.com:
Ngatiti iwe unowana $ 40ka gore, kupa 10% kune 401 yako (k) hurongwa, gamuchira 3% mutsara kubva kune waunoshandira, uye uwane 6% yegore rinenge reji yehuwandu hwekudzoka. Kana iwe ukatanga pazera remakore makumi maviri nemaviri, iwe unopedzisira uine $ 1 mamiriyoni nemakore makumi matanhatu nemashanu. Asi kana iwe ukamirira kusvika makore makumi matatu ekutanga kuponesa, unoguma ne $ 617k chete. Kuwana kutanga kwekutanga kunoreva kudarika $ 300k yakawedzera mudendere rako mazai, izvo zvinogona kureva kukwanisa kupedza basa kana kuti kurarama zviri nani mukurasira.
Izvo zvinodarika $ 4000 zvingaita sezvakawanda kuti urege kurega mubhadharo wako paunotanga, asi mipiro yemiganhu ye 401k haina kuiswa mumari yakawanda iyo inobhadharwa, saka zvakare, kuisa mari yako remangwana sekunge iwe uri kusununguka mari. Kuderedza mari yako inotengesa kunogona kungobatsira mutero wako wose wekubhadhara chikwereti gore negore. Kusiyana pakati pekutanga pazera remakore makumi maviri nemaviri nemakore makumi matatu kunopfuura 30% mari yakawanda yekurega basa - uye izvi zvakanyanya.
04 Unofanira Kugovana Sei Mari Yako?
Kubatsirwa kutanga nekuchengetedza kana uri mumakore ekuma20 uye makumi matatu kwete chete kuti iwe uchava nemari yekurega basa, asi iwe unogona kutora njodzi dzakawanda uye kuwana kudzoka kukuru kubva panguva yako yekuchengetedza yakareba. Kana ukapiwa nzira dzekugovera mashomanana ako 401k, tarisa kuparadzaniswa kwema 80/20 pakati pezvikwata, izvo zvinonyanya kuoma-uye zvakakosha uye zvisungo, izvo zvakasimbiswa asi zvine mukana wekudzokera.
Shenjerera paunenge uchishandisa mikana yekutsvaga kutenga kutenga kambani yako yekambani, kana ichipiwa kwauri. Kunyange zvazvo kuderedzwa mari yakakosha mukana mukuru, usapfutidza 401K yako neipi imwe yemugove, zvisinei kuti unobudirira sei kana kuti unotenda zvakadini mukambani. Kuva nematokisi akasiyana-siyana ndicho chinhu chinoita kuti pave nepodfolio yakasimba.
05 Usamirira Pamusana Chekwereti
44.2 Mamiriyoni eAmerica vari mukubhadhara chikwereti chemudzidzi, naizvozvo kana iwe une chikwereti chekubhadhara, iwe hausi woga. Usaita chikanganiso chekumirira kuti utange kupa chikamu kune chirongwa che 401k kusvikira mushure mekunge zvikwereti zvako zvakabhadharwa zvachose, kunyange zvakadaro. Bhengi mari yako zvakanyanyisa, edza kusashandisa mari yakawandisa pane fancy kawaini yekudhakwa kana mishonga yemidziyo, uye kubhadhara zvikwereti paunenge uchichengetedza hazvizove zvakaoma sezvaungafunga kuti zvichava.
Kuchengetera ramangwana kunokosha zvakadai sekubhadhara chikwereti kubva kare. Iwe wakasimudza mune dzidzo yako, ikozvino iwe unofanirwa kuisa mari yako mukutora basa. Usakanganwa kuti zvimwe $ 300,000 zvaunogona kuchengetedza uye kuzviwana mumakore ako makumi maviri-iwe unenge uchitsvaka!