Nheyo Dzinokosha Dzinogona Kukubatsira Kuzarura Musuo kuUkuzvipira Kwemari
Nyaya iyi yakatanga kuparidzirwa muna 2005, asi makore anopfuura gumi gare gare, ndiri kuvandudza, kuwedzera, uye kuigadzirisa kuitira kuti iwe ugove wakanyatsonzwisiswa pamusoro pemhando yemafungiro aungatora kuti udzivirire, kuchengetedza, nekuunganidza upfumi .
Kuisa Muchero # 1. Ramba Uchisimudzira Pakati Pekuchengeteka
Benjamin Graham , baba vekuongorora kwekuchengeteka kwemazuva ano, vakadzidzisa kuti kuvaka chikwata chekuchengetedza mumari yako yekuita chinhu chimwe chete chinonyanya kukosha chaunogona kuita kuchengetedza chikwereti chako. Kune nzira mbiri iwe unogona kuisa murairo uyu muhutano hwako sarudzo.
Chokutanga: Ivai neChibervative Mukufungidzira Kwaunoita
Sekirasi, vatengesi vane tsika inoshamisa yekuwedzera zviitiko zvenguva ino mune ramangwana. Apo nguva dzakanaka, vanova netariro yakawanda pamusoro pekutarisira kwebhizimisi ravo. Sezvo Graham akaratidza muhutano hwake hwekutsvaga hutsananguro inonzi The Intelligent Investor, dambudziko guru harifaniri kubhadharisa kune mabhizinesi akanaka kwazvo, asi pane, kuripa zvakanyanya kune mabhizimisi mashoma munguva dzakawanda dzinofadza.
Kuti udzivise mamiriro ezvinhu aya akaoma, zvakakosha kuti iwe usvike kune rumwe rutivi rwekuchenjerera, kunyanya munzvimbo yekufungidzira kuwedzera kwemazuva anotevera apo kukoshesa bhizinesi kuti uone kuti zvingaita sei kudzoka .
Kune mutori ane 15 muzana inoda mubairo wekudzoka, bhizimisi rinoita $ 1 per share in purogiramu inokwana $ 14.29 kana bhizimisi inotarisirwa kukura pa8 muzana. Nechinotarisirwa kukura kwehuwandu hwe14 muzana, zvisinei, kukosheswa kwekukosha kwemugove wega wega kune $ 100, kana kanomwe kakawanda!
Chechipiri: Kutengeserana Kwezvinhu Zvokushandisa Zvokutengesera Pedyo (Munyaya Yezvakanaka ZveMabhizimisi) kana Pasi Pasi Pasi (Munyaya Yezvimwe Mabhizimisi) Kuongororwa Kwekuchengetedza Kwekukosha Kwako
Kana uchinge wakachengetedza zvakanaka kuti uone kukosha kwebasa kana bhizinesi rega rega, sekushambidza motokari kwakaitwa kuburikidza nekambani ine chikwereti chemhosva , iwe unofanirwa kuve nechokwadi kuti uri kuwana dhizimisi. Iwe unoda kubhadhara zvakadini kunobva pane zvakasiyana-siyana, asi iyo mutengo ichasarudza purogiramu yako yekudzoka .
Munyaya yebasa rakasiyana-siyana - rudzi rwekambani ine mikwikwi yakawanda yekukwikwidzana, hupfumi hwehuwandu, zita rekuchengetedzwa kwezita rekutsvaga, kugadziriswa mumuromo kunowanikwa pamari, uye bhadha rakasimbiswa, mutemo wemari, uye mari yekubuda kwemari - kubhadhara zvakakwana mutengo, uye nguva dzose kutenga zvimwe zvikamu kuburikidza nekutenga zvitsva uye kudzorera zvikamu zvako, zvinogona kuva zvine musoro. Ichangobva kunyora ndakanyora mhedziso yemuongorori uyu pabhuku rangu rega rega uchishandisa The Hershey Company semuenzaniso wekuongorora nyaya. Ndakarondedzera kuti, kunyange kana yakawedzerwa, Hershey ane simba rekuita zvakakwana zvakadzoka vatengesi vanochengetedza zvakaderera pamusana pekutengesa kwezvinhu zvakasvibiswa zvema 1990's dot-com bubble sekutanga, achifananidza nomuti we chocolate paVanguard S & P 500 index fund. Pasinei nemutengo waro wakawanda, Hershey akapwanya rondedzero, sezvakangoita kwezvizvarwa nezvizvarwa kwenguva yakareba kwenguva refu.
(Zvekare: Makore emunhu mumwechete, kunyange nguva yemakore 3-5, ndeye nyaya yakasiyana-siyana. Mumutambo wekupedzisira, kambani yakafanana neHershey inoita zviri nani kudarika mavhareji, asi hapana kuudza zvichazoita mumwedzi 60 inotevera. zvakakosha iwe unosarudza kubvira pakutanga kana iwe uri muzvamazvirokwazvo wekutsvaga wekutsvaga kana uri kutamba mutambo wakasiyana zvachose.)
Iyo maitiro emabhizimisi haawanzoitiki. Vakawanda vanowira munharaunda kana yechikoro chepamusoro kana chepamusoro. Paunenge uchitarisana nemichina yezvikwata izvi, kuchenjera kutsvaka imwe nzira yekuchengeteka nekudzikisa mari inowanikwa kuburikidza nekugadziriswa kwemaitiro uye / kana kungobhadhara mutengo hauenzanisiki kupfuura 2 / 3rds kana kukosha kwako kwakatarwa, iwe uchawana kubva nguva ne nguva. Ndiwo mutengo wemusika. Ichokwadi, zvakaitika kare, kudonha mumashoko ekutengeserana kwemari ye 33% kana kupfuura hazvisi izvo zvisingawanzo makore ose mashomanana.
Kuvaka pane muenzaniso wedu wekare wekambani ine kukosheswa kwemukati we $ 14.29, izvi zvinoreva kuti iwe haungadi kutenga sengo kana yakatengesa pa $ 12.86 nokuti iyo inongova 10% yekuchengeteka. Pane kudaro, iwe unoda kumirira kuti iwire pasi ye $ 9,57. Izvozvo zvingakubvumira kuti uwedzere kudzivirirwa pasi pamusangano wechimwe Chikuru Kuwedzereka kana 1973-1974 kuparara.
Kuisa Chitubu # 2. Chengetai Mune Bhizimusi kana Matenga Unonzwisisa. Zvakakosha Unoziva Zvaunoshotera
Iwe ungafungidzira sei ramangwana rekuwana mari yega yekambani? Munyaya yeCoca-Cola kana Hershey, unogona kutarisa pamutengo wemagetsi nemarudzi akasiyana-siyana munyika, mari dzekushandisa dzakadai semashuga, nhoroondo yekutonga kwekugovera mari, uye urongwa hwose hwezvinhu. Iwe unogona kuvaka mahwendefa, kumhanya mamiriro ezvinhu, uye unouya nehuwandu hwemangwana ehupenyu hunobva pane zvakasiyana-siyana mavimbo. Zvose izvi zvinoda kunzwisisa kuti mabhizimisi anoita sei mari yavo; kuti mari inopinda sei muchivigiro.
Zvinotyisa, vashandi vakawanda vanozvidza pfungwa iyi uye vanowedzera mumakambani anoshanda kunze kweruzivo rwavo. Kunze kwekuti iwe unonyatsonzwisisa hupfumi hwemabhizimisi uye unogona kutaridzira kuti bhizinesi richave iri mukati pemakore mashanu kusvika gumi ane chokwadi chine chokwadi, usatenga chikwata. Muzviitiko zvizhinji, zviito zvako zvinotungamirirwa nekutya kwekusiyiwa kunze kwe "chinhu chaicho" kana kurega kukwanisa kubhadharwa. Kana izvozvo zvinokurondedzera iwe, iwe unonyaradzwa kuziva kuti kutevera kuumbwa kwemotokari, terevhizheni, kombiyuta, neInternet, kune zviuru zvemakambani akavepo, asi kungofamba mumugumo. Kubva pane maonero evanhu, hufambiro hwemagetsi aya hwakange huri kubudirira. Sekuda mari, vakawanda vaifunga. Chinokosha ndechokudzivisa kunyengedzwa nekufadzwa. Mari yacho inoshandisa zvakafanana, pasinei nokuti uri kutengesa imbwa inopisa kana michilpipu. Kanganwa izvi, uye iwe unogona kurasikirwa nechinhu chose. Vamwe vashandi veGT Advanced Technologies, vakanga vasina ruzivo kana ruzivo rwemabhizimisi kana nezvekugadzirisa kwehuwandu hwemabhadharo, vakatarisana nehuwandu hwekuparadzwa nokuti vakanga vasina kugutsikana kuita mari kubva kune -low-cost index fund kana blue-chip stock portfolio. Idambudziko risingakoshi.
Kuti uve muchengeti akabudirira, haufaniri kunzwisisa mutengo wekugadzirisa arbitrage , maitiro esoteric ekutengeserana ekutsvaga mari, kusarudza kusarudzwa kwekutsvaga, kana kunyange kuongorora kwepamusoro. Zvinhu izvi zvinongowedzera nzvimbo inogona kuwanikwa yekusimwa inowanikwa kwauri; zvinokosha, asi kwete kutsoropodza pakuzadzisa zviroto zvako zvemari. Vazhinji vatengesi, nokuda kwezvikonzero zvinozivikanwa chete kune nyeredzi, havadi kuisa mimwe mikana pasi pe "dambudziko rakaoma," vasinganetseki kubvuma kuti havakwanisi kuita basa kana kuburikidza nekuzvikudza kana tariro isina tsvimbo. Iyo nzira yeupenzi yekuzvibata. Kunyange mabhiriyoniire Warren Buffett, anozivikanwa nehukuru hwake ruzivo rwebhizimisi, mari, kubhadhara, mutero wemitero, uye mutungamiri, anobvuma kukanganisa kwake. Pakazosangana musangano weBerkshire Hathaway stockholder weBurkey, Buffett, achipindura mubvunzo pamusoro pechirongwa cheterevhizheni, akati: "Ndinoziva vanhu vari kunwa Coke, vachishandisa maGillette majeka uye vanodya Snickers bars mumakore gumi nemakumi manomwe, uye vane pfungwa yakaoma yekuti Kubatsira kukuru ivo vachave vachiita. Asi ini handizivi chinhu pamusoro pefoni. Hazvindinetsa. Mumwe munhu achaita mari pahocoa nyemba, asi kwete ini. Handinetseki pamusoro pezvinhu zvandisingazivi - Ndinoshushikana pamusoro pekuziva chokwadi pamusoro pezvandinoziva. "Iko kukwanisa kuongorora zvakasimba simba rake uye kusava nesimba ndeimwe nzira Buffett akakwanisa kudzivisa kuita zvikanganiso zvakakura pamusana pekuita mari yakawanda .
Kuisa Muchero # 3. Ita Kuti Kubudirira Kwako kuburikidza neKushanda Kwekushanda kweBhizinesi, Kwete Iko Stock Price
Chimwe chezvinhu zvinokonzera kukanganisa kwebasa rangu iri kutarisa zvimwe zvinoreva kuti vanhu vanotaura sekunge vaiva nyanzvi pamatokisi, zvisungo, mari pamwe chete, nezvimwe zvinhu zvavasingazvinzwisisi zvakanyanya. Zvinosuruvarisa, varume nevakadzi vakawanda vanotarisa kumutengo wekutengeserana wekugadziriswa kwekugadzirisa uye kuenzanisa apo, munguva refu, inongotevera kushandiswa kwekasa kwemari inokonzerwa nemari. Chidzidzo? Funga nezvekuita basa iri riri pasi. Ndizvo zvinokosha.
Chimwe chiitiko chezvakaitika kare: Mukati ra1970 kuparara, vanhu vakatengesa kubva kune fantastic kwenguva refu yekubatwa iyo yakakundwa kusvika ku 2x kana 3x kuwana, kuvhara matanda avo muhotera, maresitorendi, michina yekugadzira, makambani einishuwarenzi, mabhangi, vanoita mashizha, mapfupa efurawa, mishonga inogadzirwa nemishonga, uye motokari dzose nokuti vakange varashika 60% kana 70% pamapepa. Nzvimbo dzepamberi dzaive dzakanaka, pane dzakawanda dzichidzinga mari yakawanda seyambouya. Vaya vane chirango nekufanoona kwekugara kumba uye kuunganidza zvikwereti zvavo zvakaendesa kuwedzera mari yavo pajaya-kuderedza mitengo pamusoro pemakore makumi mana akazotevera pasinei nekupererwa kwezvinhu uye kusagadzikana, hondo uye rugare, kushandiswa kwezvinhu zvinoshamisa zvekombiki, uye huwandu hwemashamba emisika uye .
Chinhu ichocho chinokosha chinoratidzika seicho chisingagoni kuitika kune vamwe vashomanana vevanhu vanonzwisisa, kunyanya avo vane penchant yokubhejera. Kudzoka panguva yemubhadha-dot-com, ndakagamuchira email yakatsamwa kubva kune muverengi uyo akatora chibvumirano neni (zvisingabvumirwi, zvidzidzo zvepamusoro) kuti zviitiko zvekushandisa uye mugove wekugoverana zvisingabvumirwi kuwirirana pane kwenguva yakareba. Akafunga kuti izvi zvakanga zvakashata. "Hamuzivi here kuti mutengo wematengo hauna chokuita nebhizimisi iri pasi?" Akadaro.
Akanga akaoma.
Kune vanhu vakaita saizvozvi, mashizha haisi chinhu kunze kwemashiripiti bhatikiti matikiti. Izvo zvipfeko zvezviongorori zvinouya uye zvichienda, zvichidzimwa kunze kwekunge zvese kupera kwekupedzisira kunotevera. Murairidzi anonyatsodzidzisa anogona kudzivisa zvinhu zvose zvisina maturo nekuwana zvinhu zvinowedzera zvikwereti zvinowedzera zvekubhadhara mari, zvichizvigadzirira mumutambo unobhadhara mari yavanenge vawana kwavari, nekurega nguva yokuita. Kunyangwe iwe uri kukwira 30% kana 50% mune chero ipi zvayo gore rakapiwa hazvina basa kana nguva yose iyo zvikwereti uye zvikwereti zvichiramba zvichikura kumatenga pamwero wepamusoro zvakanyanya kudarika kuwedzera uye izvo zvinomiririra kudzoka kwakanaka kwehutano .
Ndiyo matric isu tinoyera mumba medu. Ini nomurume wangu tine masiparishiti emagetsi anokanganisa zvese zvatinoshandisa pamabhizimisi edu ose, mahofisi emitero, masangano epamutemo, matariro, uye nhoroondo. Shanduro yepasitete yakarongedzwa kuti iwedzere kusvika-ku-date yekutengesa, inobatsira, uye chikamu chekuparadzanisa kubva pane d database, kuvandudza sezvo ruzivo rutsva rwunosunungurwa. Izvo zvinogadzira zvinyorwa zvemari zvinotitaurira kuti zvitura zvedu zvingaita sei dai dzaive imwe yebhizimisi rega rega isu tine, zvakadai sekambani jekete yemakalata. Gore roga roga, tinogara pasi tichiongorora kuti nokukurumidza pfuma yedu yakawanda yakakura sei maererano nehurukuro yatinoisa kushanda; zvakakura sei chikamu chemugove wekugoverwa wakanga uchienzaniswa nenguva yakatarwa; izvo zvikwata zvaive zvichikura kana kuti zvishoma nezvishoma kutengesa. Mutengo wemusika unotsvairwa kunze, zvisinganzwisisike sezvo tisina zvirongwa zvekuita chero chinhu necho kunze kwokuti zvatipa mukana wekutenga mamwe emabhizimisi atinofunga kuti akakodzera nechinangwa chedu chenguva refu.
Kuisa Muchero # 4. Ita Rational Disposition Toward Price
Kune rimwe mutemo wemasvomhu usingadzivisiki: Iyo yakakosha mutengo iwe unobhadhara mari yako maererano nemari yaunowana, iyo yakaderera kudzoka kwako kutora nguva yakawanda yekuenzanisa . Ndizvo zviri nyore. Nhengo imwechete iyo yaive inotyisa zvikuru pamadhora makumi mana ega ega imwe neimwe inogona kunge iri mari yakaisvonaka ye $ 20 per share. Muchikwereti cheWall Street, vanhu vakawanda vanokanganwa izvi zvakagadziriswa uye, zvinosuruvarisa, kuribhadhara nemabhuku avo ehomwe.
Fungidzira iwe wakatenga imba itsva ye $ 500 000 munzvimbo yakanakisisa. Kwapera vhiki, mumwe munhu agogodza pamukova wako uye anokupa $ 300 000 yeimba. Iwe waizoseka kusechiso chavo. Mumusika wekutengesa, ungangodaro unotya uye unotengesa kufarira kwako mune bhizinesi nokuti vamwe vanhu vanofunga kuti zvakakosha kudarika iwe waibhadhara.
Kana iwe waita basa rako rechikoro, unopa ruzivo rwakakwana rwekuchengeteka, uye unokurudzirwa pamusoro pehupfumi hwemazuva mazhinji ebhizimisi, iwe unofanira kuona kuora kwekutengo semukana unoshamisa wokuwana zvimwe zvechinhu chakanaka. Kana mashoko aya asiri echokwadi, saka iwe haufaniri kutenga nzvimbo yacho pakutanga. Panzvimbo pezvo, vanhu vanowanzofadzwa nematokari anokurumidza kuwedzera mumutengo; iyo nzvimbo isinganzwisisiki yevaya vakange vachitarisira kuvaka nzvimbo huru mubhizinesi. Ungadai uine humbozha hwokutenga mamwe magetsi kana Ford neGeneral Motors yakawedzera mitengo kuburikidza ne20 muzana? Ungada here kutenga gasi yakawanda kana pari-gallon mutengo kaviri? Kwete zvachose! Saka nei iwe uchifanira kuona kuenzana mune kambani zvakasiyana? Kana iwe uchidaro, ndechokuti iwe uri kunyanya kubhejera, kwete kuisa mari. Usazvinyengedzera iwe pachako.
Kuisa Chitubu # 5. Deredza Mitengo, Mari, uye Mari
Muchikamu cheFrictional Expense: Hidden Investment Tax , wakadzidza kuti kutengesa nguva yakawanda kunogona kuderedza zvakadini migumisiro yako yenguva refu nekuda kwemakomisheni, mari, kubvunza / kuparadzira kushambadzira , nemitero . Yakabatana neruzivo runobva pakunzwisisa kukosha kwenguva yemari , iwe unoona kuti migumisiro inogona kunge inotyisa paunotanga kutaura nezve 10, 15, 25, uye makore makumi mashanu.
Fungidzira kuti muma1960, uye iwe une makore 21. Iwe unoronga pakubvisa pamakore ekuberekwa kwako makumi matanhatu nemashanu, uchikupa makore makumi mana ekubereka mune zvemari. Gore roga roga, iwe unotora $ 10 000 nokuda kwehupenyu hwako mune zviduku zviduku. Panguva iyoyo, iwe ungadai wakawana 12% yemari yekudzoka. Kana iwe wakapedza 2% pamari, iwe waizoguma ne $ 6,526,408. Zvechokwadi hausi chump inoshandurwa nemunhu wese. Kana uine hutungamiri hwekutengesa mari, kuchengetedza zvizhinji zvezvikamu zviviri muzana yako mukwigodhi yako yakawandisa mhuri yako, ungadai wakaguma ne $ 12,118,125 pamubhedha. Icho chinoda kusvika kaviri zvakanyanya!
Kunyange zvazvo ichiita sechinhu chisingaenzaniswi, nguva dzose basa rinowanzova muvengi wekugara kwenguva yakareba zvakaguma. Sezvo mumwe muongorori mukuru pfuma yega pfuma yekuchengetedza pfuma ane fantastic rekodi yakareba kwenguva refu akandiudza, "Dzimwe nguva mutengi ari kutitora kuti tivaudze kuti varege kuita chero chinhu."
Kuisa Chitubu # 6. Ramba Uchitarira Mikana Yenyu Pose Nguva
Kufanana nevakuru vese vanoita mari , famed mutual fund manager Peter Lynch aigara achitarisira mukana unotevera. Munguva yehutano hwake paFidelity, haana kuita chakavanzika chekuongorora basa rake rechikoro: Kufamba nyika, kuongorora makambani, kuongorora zvinhu, kushanyira vatungamiri, uye kubvunzurudza mhuri yake nezvekutengesa kwavo. Izvi zvakamutungamirira kuti awane zvimwe zvekukura kukuru nyaya dzezuva rake nguva refu Wall Street isati yava kuziva kuti yaivepo.
Izvozvowo zvinotsigira chikwereti chako. Nokungochengeta maziso ako akasvinuka, unogona kugumburwa kune imwe nzvimbo inobatsira zvikuru nyore kupfuura iwe unogona kuburikidza nekupenya mapeji eBarons kana Fortune. Kana uchida rubatsiro kutanga, tarisa Kuwana Kuisa Mazano: Mahara Anobatsira Kuti Uone Mikana Inobatsira .
Kuisa Chitubu # 7. Akagovera Nhanho neMutengo Mutengo
Unofanira kubhadhara chikwereti chako kana kuisa mari here? Tenga hurumende dzehurumende kana sendima yakafanana? Enda neanotsigirwa mutengo kana chido-chekutenga chete? Mhinduro yemibvunzo yezvemari yakadai seyi inofanira kugara ichiitwa zvichienderana nemari yako inotarisirwa mukana .
Munzira yaro yakajeka, mukana wekutsvaga mukana unoreva kutarisa pane zvese zvingashandiswa mari uye kuenzanisa iyo kune iyo inokupa iwe yakanyanya kukanganisa-kudzorerwa kudzorerwa. Zviri pamusoro pekuongorora dzimwe nzira. Heano muenzaniso: Fungidzira mhuri yako ine ketani yezvigadzirwa zvebudiriro zvakabudirira. Iwe uri kuwedzera kutengesa uye hupfumi pa30% apo iwe unowedzera munyika yose. Hazvizoiti kuti tive nemafungiro mazhinji kutenga zvivako zvemaimba ne 4% muzana yevashandi muSan Francisco nekuda kwekusiyanisa mari yako yekutora. Iwe unopedzisira uri murombo kupfuura iwe iwe ungadai wakave uri. Pane kudaro, unofanira kufunga kuzarura imwe nzvimbo, uchiwedzera kuwedzera kwemari kumari yako yemhuri kubva pane zvaunoziva kuita zvakanaka.
Unocherechedza kuti ndinoshandisa chikwata chekugadzirisa-kuchinjwa kudzoka. Muchirevo chemukana wekutsvaga mari, iyi inokosha zvikuru. Iwe haugone kungotarisa mutengo weziti uye unosvika pakuguma; iwe unofanirwa kuziva kuti zvingaita sei, zvingaita, uye zvimwe zvinhu zvinokosha. Mufananidzo unogona kubatsira. Zvifananidze iwe sechiremba unobudirira. Iwe nemudzimai wako mune $ 150 000 mune mudzidzi wechikwereti chikwereti pa5%. Munyaya iyi, hazvina basa kuti iwe unogona kuwana 10% nekuisa mari iyo, zvingava zvakachenjera kubhadhara chikwereti. Sei? Nhamba yebhengi iri muUnited States inobata chikwereti chechikwereti chemudzidzi sechinonyanya kuipa chemhosva. Zvinogona kunge zvisingakwanisi kupedza. Kana iwe ukawa kumashure pamitambisi yako, iyo mari yekupedzisira uye mari yezvikwereti inogona kukura kunze kwekutonga, zvichienderana nerudzi rwechikwereti chemudzidzi. Iwe unogona kuva neSocial Security checks yako yakagadzirirwa munguva yekurega. Icho chakanyanya kuipa, muzviitiko zvakawanda kune zvinhu zvakadai semadhoroji kana kunyange chikwereti chikwereti chikwereti. Kunyange zvazvo zvingaratidzika seupenzi pamaonero ekutanga, ndiyo nzira yakachenjera yekuita kuti kubvisa mhepo inogona kuitika munguva dzekubudirira.
Kunyange kana iwe ukatevera (mune maonero angu, unyanzvi) tsika yekugara uchitsvaga mari yekutsvaga mari kuburikidza nedhora rinodhura kuwandisa , pfungwa yemukana inodhura zvinhu kwauri. Kunze kwekuti iwe uri kubudirira kupfuura mhuri yepakati, iwe pamwe haungakwanisi kuwana mari yakakwana yekuwedzera mari yako yese yekupa mupiro . Zvinoreva kuti unofanirwa kutarisa zvaunogona kusarudza uye kuisa mazano pane iyo mari yako inotanga kuenda, kuti uve nechokwadi chokuti iwe unowana hupenyu hukuru hwebuck yako.
Ngatiti iwe unoshandira kambani ine 100% inofananidzwa pane yekutanga 3% yemari kuburikidza ne 401 (k) chirongwa. Mari yako ye $ 50,000 pagore. Muchiitiko ichi, vazhinji varongwa vezvemari vari kukuudza chinhu chakanakisisa chaunofanira kuita (kufunga kuti iwe hauna chikwereti) pasina:
- Chengetedza 401 (k) kusvika kune 3% inofanana nechikumbaridzo kuti uwane mari yakasununguka iwe unogona. Munyaya iyi, inenge iri $ 1,500. Iwe unogona kuwana $ 1,500 muhutano hwakakodzana, uchipa kamwe-kamwe kusinganisa-kusununguka kaviri kune mari yako.
- Chengetedza Roth IRA kusvika kumubhadharo wakapiwa mupiro wemuviri wako iwe nemumwe wako. Izvo zviri nani kudarika tsika dzeIrasi muzviitiko zvakawanda .
- Vakai mwedzi mitanhatu yakashata mune imwe mvura yakawanda, iyo FDIC-iyo inshumo yekuchengetedza inshumo iyo usingashandisi zvimwe.
- Dzokera zvakare wobva wabhadhara yako 401 (k) kusvika kune chikamu chekupa mupiro. Kunyange zvazvo iwe usingazovizve nemafananidzi emari, iwe uchakwanisa kutora mutengo wakakura wekubhadhara mutero, uye mari ichakura musingabhadhara mutero mukati mekodhi kusvikira iwe uchitora basa kana kubvisa kunze kwekudzivirirwa kunovhara mutero pokugara.
- Shandisa index index, blue chip stocks, bonds, kana zvimwe zvinhu kuburikidza nekodhakodha rekwereti dzekwereti uye / kana kuwana dzimba kune mari yekubhadhara zvichienderana nezvamunofarira, unyanzvi, purogiramu yematambudziko, uye zvigadzirwa.
Nokuteerera purogiramu yakaita seiyi, iwe unoita kuti mari yacho igoverwe kushandiswa kunoshandiswa kwekutanga, kugovera zvakakosha iwe iwe nemhuri yako kana iwe uchinge uchinge uine mari kuti uchengetedze usati wasvika pasi pezasi.