Usarega mutero pamusoro pefa uchingobata iwe.
Kukanganisa 1: Kushaya Clueless Pamitero paNhoroondo dzeNhaka
Usati wawana mari mune imwe nhaka, iva nechokwadi chokuti iwe unonzwisisa kana iwe uchatozobhadhara mitero, uye kuti zvakadini. Dzivisa iyo yakawanda inowanikwa nhaka yemitero yakanyorwa pasi apa.
Mitero paNhaka yeIra / 401k
Chimwe chezvikanganiso zvakanyanya vanhu vanoita pavanowana nhaka yekubatira mari hazviongorori zvose zvavanosarudza vasati vashandise. Mari yakawanda yekubhadhara mari haina kubhadharwa, saka kana iwe uine mari iyi mubhuku iyo mari yaunotora inowanikwa pane mutero wako wekubhadhara sekukwereta mari.
Kana ukangonzwisisa izvi, unogona kusarudza nguva uye sei kubvisa mari yacho, uye kuronga iyo kuitira kuti iwe ubhadhara mari shoma mumitero. Somuenzaniso, unogona kutora zvimwe muna December, uye zvimwe munaJanuary kuparadzira kugoverwa kwemakore maviri emitero.
Imwe nzira: mapurogiramu akawanda anokubvumira kuvhara kambani yacho pane imwe nhoroondo yeIRA inotora nhaka kuitira kuti iwe uwane chete izvo zvinonzi zvinoda kugoverwa kudhura gore negore. Muzviitiko zvizhinji, izvi zvinogona kukubvumira kutambanudza mari uye mitero pane nhaka yako pamusoro pehupenyu hwako.
Kana iwe uine nhaka ye 401 (k) , unofanira kutarisa neurongwa mutungamiri kuti uone zvingasarudzwa zvaunako.
Nguva zhinji iwe unogona kuisa mari yacho muIra yakagara nhaka.
Mitero paIri Mutengo Mutual Funds / Stocks
Nokuda kwekutengesa mari kana zvikwata izvo zvisingabviri mumabhadharo emakambani kana IRAs, mitemo yemitero yakasiyana. Kukosha kwako pazvinhu izvi nokuda kwekutarisira kuchava kukosha kwezuva rekufa komunhu (kana kuti kukosha kwemwedzi mitanhatu mushure mekufa, asi iwe unofanira kusarudza zuva iri rekuenzanisira kwezvinhu zvose kana pasina).
Kubvira ipapo, iwe unogona kunge uine pfuma yakawanda kana kurasikirwa zvichienderana nehuwandu hwenheyo kana uchitengesa.
Kuti uenzanise mitero inokweretesa mumakambani akagara nhaka yerudzi chero ipi zvayo, unogona kuita kuongororwa kwemutero kunokuratidza pamusoro pezvauchazobhadhara kana iwe uchiita kana usingaiti chimwe chinhu.
Mitero paUpenyu Inishuwarenzi Inowanikwa
Mashoko akanaka: kana ukawana inshuwarisi yehupenyu inowedzera mari iyi inenge nguva dzose isina mutero. Iwe haufaniri kutaurira mari yveshuwarensi yekubhadhara yakagamuchirwa semutero unotengesa pamutero wako wekudzokera.
Nzira 2: Usanetseka Kubhadhara Zvikwereti Iwe Usati Wawe
Vakawanda vanokwereta vachaedza kuedza kutora chikwereti kubva kumhuri dzemunhu akafa. Izvi zvinodaro zvinofanira kuitwa pamusoro penzvimbo, kwete kwete newe. Iwe hausi iwe pachako une mhosva yezvikwereti zveumwe munhu waunogamuchira nhaka. Tarisa chero zvakadaro kudai nekusava nechokwadi.
Nzira 3: Kwete Kuongorora Zvose Zvaunosarudza Kana Watora Imba
Kana iwe uine nhaka yeimba, chinonyanya kukoshesa chako chinofanira kunge chiri kuongorora nzira yekuchengetedza nekuchengetedza imba kusvikira iwe uchisarudza zvokuita nayo. Ko mhuri kana vavakidzani vanogona kubatsira here? Iwe unofanirwa kuisa chekuchengetedza hurongwa here? Pane munhu angagara mumba here? Kuchengeta imba kuchave kwakakosha kuchengetedza kukosha kwayo.
Zvadaro, sarudza kuti imba yacho yakakosha. Iwe unogona kushandisa shanduro yepaIndaneti yakadai seZillow kuti uwane chiyero chakanaka chekukosha kweimba. Zvisinei, nzvimbo dzepaIndaneti dzingave dzisina ruzivo rwepamusoro kune iyo nzvimbo. A realtor anoziva nharaunda iyo ichava yako yakanakisisa yekushandisa.
Imba ino ine chikwereti pairi here? Kana imba yacho isingakoshi kudarika iyo yakasara inotora chikwereti, iwe unogona kusarudza nzira yakanakisisa yekuita ndeyekuti imba iende kunofanirwa, panguva iyo iwe haungapfuuri kuita mari yekubhadhara mari. Kana imba yacho isingasviki chero ipi zvayo inotengesa mari (imhosva yemari) inokosha kupfuura iyo yekutengesa, ipapo gadzirai mari yekubhadhara chikwereti paunenge uchigadzirira imba yekutengesa. Kana iwe usingaiti chikwereti chekubhadhara chikwereti, uyo anokweretesa ane kodzero yekutarisa pfuma.
Zvakadini nemitero?
Paunenge uchigara pamba, kukosha kweimba pamusi wekufa kwekufa kunosvika mubhadharo wekutora mitero. Saka dai imba yacho yaibhadhara mari inenge madhora zana nemakumi matatu uye iwe wakatengesa iyo mwedzi masere gare gare $ 110,000 iwe unogona kuva ne $ 10,000 yemari inowanikwa kuti udzoke pamutero wako wekudzokera. Ini ndinoti "inogona kuva" nokuti iwe unogona kukwanisa kusvika kune $ 250,000 yepfuma kana wakafa aigara mumusha kwemakore maviri emakore apfuura apfuura. Kana pane kurasikirwa pakutengeswa, iwe haugoni kuishandisa sekuderedzwa. Mukana wakanaka wokugadzirira mutero unogona kukubatsira kuti uone zvose izvi.
Unogonawo kufungidzira kubhadhara imba . Zvichida semari yekutsvaga mari, ichakupa zvakakunakira iwe kudarika zvaunogona kubudirira kana iwe uchizvitengesa uye iwe ugoita mari.
Mistake 4: Usataurira Kutenga Zvimwe Zvemari
Kune vanhu vanopfuura 350 000 vanozviti ivo vauri vezvemari muUnited States. Vanopfuura 90% avo vanoita mararamiro avo ekutengesa kushandiswa kana zvishandisi. Vamwe vevanhu ava vakafanana nemakwenzi, uye pavanoona kuti mune mari uye havazive kuti ungaitei neiri, vachakupai nekutsvaga uye vanokuudza kuti zvinoshamisa sei.
Usasimudza kana kutenga inshuwarisi yekutengeswa usingatauri nemari yakazara yekugadzirisa chirongwa. Kana iwe uchiziva kuti uri kugamuchira nhaka, iyi ingangodaro nguva yakakwana yekutanga kutsvaga kwako kune mutungamiri wezvemari anogadzirisa zvirongwa uyo anogona kukubatsira kuti uite zvaunofanira kuita maererano nemamiriro ako uye zvinangwa zvamangwana.