Kutarisira njodzi kunotanga nekuziva zvisiri kuita
Kunyanya kukoshesa kufungidzira kana kuisa pamwe chete kuunganidza kwezvinhu ndiko kuve nechokwadi chekuti nzvimbo imwe nechimwe mune zveporofiti inonzwisisika, inochengetedzwa, uye inochengetwa zvakanaka. Kunyange zvazvo zvicharamba zvichiva kushamiswa kusingafadzi munzira (yakadaro upenyu), nzira iyi inonzwisisika inogona kubatsira kuderedza kukanganisa kunokonzerwa nezviitiko zvakadaro.
Mutual Funds Ne High Expense Ratios kana Sales Sales
Imari yehurumende yekubhadhara mari inomiririra chikamu chemari yako yaunofanira kupa kukambani yekufambisa gore negore. Makambani ekubhadhara mari akadai seVanguard anowanzobhadhara mari yakajeka pakati pe 0.10% uye 1.00% pagore, zvinoreva $ 100,000 chikwereti, iwe unobhadhara pakati pe $ 100 pagore uye $ 1 000 pagore, zvichienderana nehuwandu hwekutsvaga iwe kwawakaita. Dzimwe makambani ekubhadhara mari anogona kubhadhara mari yepamusoro yepamusoro se 2.00% (muzviitiko zvisingawanzodi, kunyange zvakakwirira!), Zvinoreva kuti yekutanga $ 2,000 yepfuma yako yepamusoro, zvikamu, uye chido gore roga roga raizopinda muhomwe yekambani yekuchengetedza zvinhu , kwete iwe.
Zvakaoma zvikuru kuenda mberi kana iwe une rudzi urwu rwemari yakagadzirwa. Zvakanakisisa kuti uzvidzivirire mune dzimwe nguva.
Saizvozvowo, mutual fund pamwe chete mutoro mutoro inenge iri nguva dzose chiratidzo chakaipa. Mhanya kana iwe uchiona imwe.
Chero Rudzi Rwenharaunda, Inosanganisira Stock Options
Hatikwanisi kukuudza kuti kazhinji sei vatsva vatengesi, vanoziva pasina pamusoro pemusika wezvokutengesa, nyora isu uye vanoti vazofungidzira nezvisarudzo zvekushandisa kana ramangwana.
Aya haasi rudzi rwechinhu icho munhu wese asina ruzivo rwakawanda anofanira kufungisisa , regai iye oga atenge. Muzviitiko zvisingawanzoitiki, kufamba kwechikamu chemukati muchigarire kwenguva pfupi kunogona kutungamirira kukurasikirwa kukuru, kunyange kukutumira iwe kubhadhara. Kurasikirwa kwako hakugoni kuve kwakakwana kumari yaunoshandisa. Iwe unogona kuisa $ 10 000 uye uzviwanire iwe pachikwereti che $ 100,000 mune chikwereti kana ukasarudza kushandiswa kwakashata pasi pepamusoro zvakanyanya.
Chero Chero Munhu Mumwe Chete Chako Chausingagoni Kupindura Maverengi Mibvunzo
Kana uri kutarisa kuwedzera humwe hutengo kumapatoti ako, unogona kukwanisa kutsanangura nekukurumidza:
- Izvo zvinoshandiswa nekambani
- Nzira iyo kambani inoita mari yayo
- Kana purogiramu yepenjeni iri kupfuura kana kubhadhara mari (kana inoshanda)
- Kana pane chimwe chinhu chinoshamisa chekudzikinura
- Chikwereti-ku-kuenzanisa chikamu
- Kudzoka kwakachengetedzwa kwehutano
- Chimiro chinonzwisisika chekuwana mari imwe neimwe, zvichienderana nezvikwereti zvisingatarisirwi kubva pakutsvakurudza kwakadzama kwebhizimisi, kwemakore mashanu nemakore munguva yemberi
- Pasinei nokuti mari yazvino yakabereka inokurudzira inosvika pfuma yehupfumi uye kuwedzera kwekuraira
Kana iwe usingagoni kupindura mibvunzo iyoyo, pamwe chete nevamwe vashomanana , iwe uri kubhejera, kwete kuisa mari. Iwe hauna bhizimisi uine pikisi rimwechete kupfuura chero mwana asina ruzivo anofanirwa kunge achigadzirisa mutyairi wevira romoto.
Kusvikira iwe wakagadzirira, funga nezvekudhura, mari yakasiyana-siyana yemari . Mari isina kurembura inenge inowanzobudirira. Kutenda kana kwete, vatengi vanowanzova vakaipa pakugadzirisa mari yavo pachavo, kuti kuvarejika kune pasi! Zvechokwadi, pasinei nekukumbira kwavo kwenguva yakareba, haufaniri kuisa mari mumatanda ekuvaka pfuma . Pane dzimwe nzira.
Masangano Akavanzika Akavanzwa Akagadzirirwa kuDeredza Mitero
Zvinoratidzika kuva nemakaro zvinowanzoita kuti vamwe vanhu vakanganisa zvinhu. Zvose gumi nemakore kana zvakadaro, chimwe chechimwe chinhu chitsva kana kuchengeteka kunokonzera iyo inopikira mari yakawanda yekubhadhara mutero munzira dzisina kuvharwa. Kunyange zvazvo zvinganzwisisika kune mumwe munhu achishandisa bhizinesi reakabhadhare uye magweta, hazvifananidzi kukanganisa kune mumwe munhu agere pane zvakanyatsonakidza zvitanhatu kana chikamu chiduku. Mwari ngaarege kubvisa IRS kubvisa chimiro, uye iwe unozviwana uchirasikirwa nehomwe yako huru muzvikwereti nemari!
Takaona vanhu vachitaurira ivo pachavo nhoroondo dzezviri kuitika, kusanganisira murume mumwechete akaendeswa ku bankruptcy. Usazviita. Hazvibatsiri matambudziko anokwanisa. Rega kuedza kuva akachenjera.
Bunk Bonds uye Bonds Rezvekunze
Ndinonzwisisa kuti zvikwereti zvezvibereko zvakave zvakaderera kwemakore gumi apfuura. Kunyanya kuipa. Kufananidza Benjamin Graham, "Mari yakawanda yakarasikirwa kusvika kune imwe nzvimbo yezvibereko pane yakabirwa ichidzika pasi pembongoro yepfuti." Kubva kubva mumuchero we4% pazvisungo zvako kusvika kune 8% mubereko unogona kuve wakanakisa, asi kwete kana uchiuya pakunowedzera kuwedzera kwekuisa pangozi. Zvibvumirano zvisina basa zvinowanzorarama maererano nezita ravo, sezvinoreva shoko racho.
Apo patinenge tiri mairi, tambuka zvisungo zvekune imwe nyika kubva pane rako, zvakare.
Pakupedzisira, zvose zviri pamusoro pekuzvidzivirira. Kuita mari kunouya mushure mekuchengetwa kwekuchengetwa kwemari Kana zvisina kudaro, iwe unogona kuona hupenyu hwemabasa hwakabviswa nemumwe chete kana maviri zvisarudzo zvoupenzi.