Iwe unogona kubvunza pamusoro pezviyeuchidzo uye ruzivo, asi sezvo uri kubhadhara mumwe munhu ane unyanzvi hwausinahwo, zvingava zvakaoma kuziva kana vari kungotaura chete, kana kuti zvechokwadi vane unhu hwakanaka hwebasa racho.
Kuti ikubatsire kuona kuburikidza ne "mutauro wekutengesa", ndakanyora urongwa hwemishanu mibvunzo yekubvunzurudza inobatsira. Mibvunzo iyi yakagadzirirwa kuitira kuti iwe ugone kushandisa mhinduro kuti uone unhu hwakafanana nekuvimbika uye unyanzvi hwokukurukurirana; unhu hupi hupi hwakanaka hunopa mazano mune zvemari hunofanira kuva.
Iwe unogona kubvunza mibvunzo iyi pamusoro pefoni munenge maminitsi gumi nemashanu, uye saka ushandise kuti ikubatsire kusati kwataridzika mazano vevashandi vezvemari, kana kuti iwe unogona kuvabvunza chiso nechiso.
1. Bvunza Munhu Anokwanisa Kupa Mari Nekutengesa Nekuda Kwake
Chero chero mupi wemazano wezvehupfumi achave nenzvimbo yeunyanzvi. Iwe unoda mumwe munhu ane unyanzvi hwokushanda nevanhu vakaita sawe. Kana iwe uri kuda kupedza basa, uye vanokuudza kuti vanoshanda nemhuri duku, zvichida uyu haasi munhu wenyu. Tsvaga muchengeti wezvemari uyo akakodzera muteresi anonzwika zvakafanana nemamiriro ako maererano nezera, chikwata chehupenyu, uye yefa yefaji.
2. Bvunza Munhu Anogona Kupa Mari Mumiririri Wenguva Yakadi Iye kana Iye Akave Akaita
Somunhu, handidi kuhaya mutariri wezvemari ane makore anopfuura makumi mana aakamboshanda achiita seanoronga mari.
Uri kutaura nezvehupenyu hwako hwekuchengetedza. Mumwe mupi anopa mazano angave ane makore ehutano seCPA, kana mubhadharo yemari kana mabhizinesi, asi izvozvo hazvirevi kuti vane unyanzvi hwokupa mazano ekugadzirisa mari apo nzvimbo imwe neimwe inobata imwe.
Nyanzvi dzakawanda dzezvigadzirwa zvemabhizimisi dzinoda kushandiswa mune zvekudzidzira kana kudzidzira usati wasvika pakuzivikanwa seunyanzvi, asi sehuchiri mari yekushambadzira mari yemabhizimisi isina mvumo yakadai, saka kuti uzvidzivirire, unoda kuzvigadzirisa.
(Kuti uve mupi wekugamuchira CFP ® zita, ivo zvino vanofanira kunge vane makore matatu ezvakaitika zviitiko. Congrats kune CFP ® bhodhi yekusimudza bar.)
Pamwe nemakore ekuziva, unogona kuda kubvunza mubatsiri kuti ndezvipi zvavanonyanya kufarira mukutsvaka. Mhinduro dzavo dzinofanirwa kuratidza zvidzidzo zvakakosha kune avo vanogona kukwanisa. Kana ivo vanoti vanoshanda nevatorwa, asi ivo vanofarira zvikuru kushingaira kwekutengesa mari, iyo inofanira kukubata iwe. Mutevedzeri wekudzidzira dzidzo uye unyanzvi hwepamusoro hunofanira kuenzaniswa nemhando yevashandi vanoshanda navo.
3. Bvunza Munhu Anogona Kupa Mari Mutevedzeri Wezvemari Kuti atsanangure Chirevo kwauri
Zvauri kutsvaga pano, iwe unogona kunzwisisa tsanangudzo dzavo here? Kana vakataura pamusoro pemusoro wako, kana mhinduro yavo isinganzwisisi, bvunza kutsanangurira. Kana iwe usinganzwisisi mhinduro, enda mberi. Unoda kushanda nemumwe munhu anokwanisa kutsanangurira pfungwa dzemari kwauri mumutauro unogona kunzwisisa.
Pasi pemibvunzo mitanhatu yakakosha yekufunga kubvunza:
- Chii chinonyanya kushamwaridzana nekutsvaga mari inoshanda?
- Iwe unoziva sei kuti mari yangu yakawanda inofanira kunge iri mumatokisi nezvisungo?
- Chii chinonzi laddered bond?
- Unosarudza sei mari yakawanda yandinogona kubuda nayo gore rimwe nerimwe ndisingaiti?
- Iwe unofungei pamusoro pekudarika?
4. Bvunza Pamusoro Pokufungidzira Kunoshandiswa Paunenge Uchida Kuronga Kurayira Zvirongwa
Chirongwa chekusarura mari chinokubatsira kuti uone kuti mari yako yaunenge uine iyo yekushandisa gore rega rega, kubvira ikozvino kuburikidza nekutarisira hupenyu. Izvo zvinoratidzika zvinoenderana nekufungidzira pamusoro pehuwandu hwekudzoka apo zvinhu zvako zvinokura, kufambisa kwekuwedzera kwezvinhu, nemari yako yekushandisa mari.
Iwe unoda mumwe munhu anoshandisa gadziriro yekuchengetedza yekufungidzira; shure kwezvose, iwe unogona kupedzisira uine zvinopfuura izvo zvinoratidzwa, kwete zvishoma. Chigadziriswa chekufungidzira chaizenge chiri kuwedzera mari yepfuma pa5 - 6% pagore, uchishandisa kuwedzera kwemazana e3% (zvinoreva kuti mari yevanhu inokwira inokwira ne3% pagore), uye, kana nzvimbo yeimba inotengeswa inofanira kutengeswa gare gare, vachishandisa chikamu che2% chekuwedzera kwegore.
Ndakaona zvirongwa zvezvemari zvinoshandisa kushandisa 12% mazana ekudzoka pakuchengetedza uye kuvema kwekutsvaga asi achitora 2% yezvishoma zvekuwedzera.
Kunyange zvazvo izvi zvakagadziriswa zvinoita kuti ramangwana rive rakanaka, rinoita kuti utende. Iwe unoda kurongeka kwechokwadi kuti uite zvisarudzo zvakakodzera.
5. Bvunza Kuti Anokwanisa Kupihwa Nezvemari Anokwidziridzwa
Chinokosha apa ndechokuteerera mhinduro yakatendeseka. Mumwe mupi wezvemari anofanira kunge achida kutsanangura zvakajeka mari yose yauchabhadhara kwavari, uye mari yose yauchabhadhara inobatanidzwa nehupi hupi hwekutsvaga kwavanokurudzira. Mhinduro dzakadai sekuti "Shamwari yangu inondipa chikwereti," kana "Iwe haungabhadhara chero chinhu chiri muhomwe yako" haigamuchirwi.
Nzwisisiro yakakwana inokuudza kuti kutendeseka kwomunhu kuchava kuruoko runodzipa. Kana vakabhadharwa zvakananga nemari kubva kwauri, sezvinongoita mubhadharo-chete mupi wezvemari, ipapo vachave nekukurudzira kupa mazano uye basa rinoenderana nezvinangwa zvako. Kana vakabhadharwa nemakomisheni kana mari iyo inoshandiswa kuburikidza nemutengesi-mutengesi, saka ndiyo yekutanga uye inonyanya kusungirirwa kune zvigadzirwa izvo mutengesi-mutengesi anovasarudza kuti vashandise.
Mibvunzo Yokuwedzera yekubvunza
- CFP® Board inopa mutungamiri unonzi Mibvunzo Yokubvunza Kana Kusarudza A Planner Financial.
- Imwe sangano, National Association of Personal Financial Advisors iyo inhengo yeboka yevaripo-yega chete varongwa vezvemari inopa mutungamiri anonzi NAPFA's Financial Advisor Checklist uye Mazano ekugadzirisa Mazano ekushandisa mari.
Paunobvunza mibvunzo, usabvunza mibvunzo yausinganzwisisi. Ichava nani kana ukasarudza pamusana pemibvunzo yaunokumbira mumashoko ako pachako. Iyi ndiyo nzira yakanakisisa yekuve nechokwadi kuti unogona kuva nehurukuro, hurukuro dzevanhu nemunhu waunotenga.