Funga Migumisiro Yemitero Musati Waita
Kune mamiriro maviri emitero ekutsvaga mari mumatokari: mabhizimisi anokwanisa kubhadharwa uye mabhuku akagara. Iwe pachako uchange uine zvimwe zvikwereti mumamiriro ezvinhu maviri.
Anokodzera Retirement Achikwata
Makero akakodzera ekurega mari, akadai se 401 (k) kana yeAvidual Retirement Account, kazhinji anobvumira mari yako kuti iwedzere kusabhadhara mutero kusvikira uregera.
Nhoroondo dzinogara dzakakodzera dzinoita kuti iwe uwane mari usati wabhadhara mitero yemari. Izvi zvinoderedza yako ikozvino yemutero.
Zvisinei, kana iwe ukabvisa mari yacho mukutora basa, iwe unobhadhara mitero yemari inowanikwa pamipiro yako uye chero mari yaunowana.
A Roth retirement retirement account inokubvumira kuisa mari mushure mekutereta mari. Haiti kuderedza yako yazvino yemutero musayiti. Zvisinei iwe unogona kubvisa zvipo uye mari yaunowana musero-pasina panguva yekurega.
Kana iwe uchitenda iwe uchava mubhaketi yepamusoro yepamusoro panguva yekurasikirwa, iwe uri nani pane imwe nguva yekubatira mari. Kana iwe uchida kuti iwe uchava mubhaketi yakakwirira yepamusoro panguva yekurasikirwa, unofanira kufunga nhoroondo yeRoth.
Pane zvimwe zvipingamupinyi pamabhuku ehurumende uye eRoth retirement, saka bvunzai mutungamiri wenyu wekuteresa musati mava nekutarisa pane zvakanakisisa zvaungasarudza iwe.
Yisina kukodzera Stock Investment
Kusagadziriswa kwekutsvaga kwekutsvaga mari yekodhi kune mabhiri maviri emitero yekufunga. Kana chikwereti chako chibhadhara chikamu , iwe unofanira kubhadhara mitero yemari pamitero.
Kazhinji, mutero pazvikamu zvinokwana 15%. Zvisinei, izvozvo zvinogara zvichichinja.
Imwezve kubhadhara mutero kunosanganisira kutengesa mari yekutora kana kurasikirwa. Kana iwe ukabata chikwata kwegore rinopfuura rimwe, pfuma chero ipi zvayo inobhadharwa pamitambo yakareba yemari inowanikwa. Ichi chiyero chaivawo 15% uye chinoshandiswa kuchinja.
Kana iwe uchitengesa chikwata chekuwana purogiramu asi uine pfuma yemadhora pasi pegore rimwe chete, iwe uchabhadhara mitero yebhadharo nguva dzose pane pfuma. Zvichienderana nebhakoni yako yemutero, izvi zvingave zvakakwirira kudarika 15%. Sezvenguva dzose, chengeta nemuteresi wako wemutero.
Ko kana iwe uchitengesa kurasikirwa? Muzviitiko zvizhinji, iwe unogona kutora nguva yakare kana kuti nguva pfupi yekurashikirwa kwekuita. Izvi kurasikirwa zvinogona kushandiswa kugadzirisa mari inowanikwa .
Zvakakosha kufunga nezvemigumisiro yemitero yemari yako yezviwanikwa. Kazhinji, kana iwe uchiwedzera kuisa mubhadharo rekubatira mari yakakodzera, zviri nani kubva pane imwe nzvimbo yemutero.
Zvisinei, mari yako yezviwanikwa inongova imwe chete yemutero wako. Mumwe mupi wemitero akakodzera anogona kukubatsira kusarudza nzira yakanakisisa.