Mutungamiri Wekutsvaga Mutero kuMutero Wekugovera

Kuti Mutero Wechipatendi Unoshanda Sei uye Mutengo Wemitero Wemahara

Chimwe chezvinhu zvikuru pamusoro pekutsvaga muzvikwata ndezvekuti vanowanzobhadhara chikamu, kupa mumwe murimi mari yakawanda yekuti awane zvikamu. Chikamu chinouya apo kambani inosarudza kugovera zvikamu zvezvikamu zvayo kune vagovana. Asi zvakakosha kuyeuka kuti chikamu chekugoverwa chinotorwa semari, uye naizvozvo inoteerera mitero.

Mutero wekusarudzwa ndeimwe yemitero yakawanda inowanzobhadhara inowanikwa nevashambadziri, vangave vane zvikamu zana zveJohnson & Johnson kana mamiriyoni ane zviuru zveMcDonald's.

Iro mitemo yekuti mutero wemugovera unoshanda sei uye zvidimbu zvakabhadhara mitero yemitero, zvisinei, hainyatsonzwisisiki. Uyu mutungamiri wakaiswa pamwechete kuti akubatsire kunzwisisa zvinonamatira. [Onawo: Zvikamu 101 - Zvawakaperera Mukusvitsa Kwekugoverana uye Iyo Yokupedzisira Inotungamirira Kugoverana uye Kugoverwa Kugovera .]

Kubhadhara Mutero Mitero NeTsika

Zvimwe zvikwereti zvinokonzerwa pamutengo wakafanana semari inowanikwa, asi vamwe vanobhadhara pamutengo wakaderera. Mutengo wemitero unotsanangurwa nekureba kwei iwe wakanga uine sengo. Kazhinji kutaura, zvikamu zvakawanda zvinowanikwa pamutengo wakafanana nehuwandu hwemazuva akawanda hunobudirira, huri pasi kudarika mutero pamari inowanikwa.

• Mhedzisiro Yakakosha : Mupfungwa inokosha, zvikwereti zvakakosha zvikwereti zvakabhadharwa kubva mumatokisi aunazvo kwekanguva. Vanobhadharwa pamutengo mumwe chete sekugara kwenguva refu. Kune vanhu vazhinji izvi zvinoreva kuti iwe uchabhadhara 15% pamubhadharo wemari, kunyange vamwe vanhu vakapfuma (chero ani zvake achiita mari inodarika $ 425,900 kana asina imwe, $ 479,000 kana akaroorana angabhadhara zvakakwana 20 %. Mumwe munhu asina kubhadhara kudarika madhora 38,600 kana vakaroora vaviri vanowana mari les a $ 77,200 havazobhadhara mutero pane chikamu chemari.
  
  Nokuda kwezvinangwa zvekuverenga mutero wechibhadharo, zvikwereti zvakafanana ndezvezvikwama zvakachengetwa mazuva anopfuura makumi matanhatu mukati mezuva 121-zuva rinotanga mazuva makumi matanhatu zuva risati rasvika . Muchidimbu, mazano akanakisisa okudzivisa mitero yakawanda yemitero ndeyekuchengetedza kune makosi ako kwemwedzi shomanana. (Mutemo uyu uri panzvimbo yekuderedza vatengesi kubva pakuwana mari kubva kune imwe kambani iyo haina kuisa mari kwenguva refu.)

• Kwete-akakodzera, kana Yowakananga, Kugoverwa : A chikamu chisina kukodzera chikamu chipi nechipi chisingabatsiri kuedzwa kwezvakagadziriswa (ona pamusoro). Izvi zvinowanzotaurwawo se "zvinowanzo" zvikamu. Mutero wekugoverwa pane zvikamu izvi zvakaenzana nemutengo webhasi yemutero wemari . Kana iwe uri mu 22% yebhakoni yemutero, somuenzaniso, iwe uchabhadhara mutengo wemugove we 22% pane zvisingabatsiri zvikwereti.

Pane dzimwe mamiriro ekuti mubhadhari angabhadhara mutero wepamusoro wepamusoro kune zvikamu zvisinei. Kugoverwa kubva kugoverwa kwezvivako zvekutengesa mari (REITs), somuenzaniso, nguva dzose inotererwa semari inowanikwa mari.

Kana uine zvikamu zvakabhadhara zvikwereti, iwe ungangodaro unogamuchira fomu 1099-DIV yemutero kubva kune wako mutengesi uchitaura kuti wakawana zvakadini. Iyi fomu ichakuudza kana zvikwereti zvinokonzerwa nekodzero pamutengo wekukodzera kana kusingawanikidzi zvikwereti.

Ko kana iwe uchidzokorora zvikamu zvako?

Vazhinji vatengesi vanozosarudza kutora chikwereti chezvikwereti uye vashandise kuti vatenge mamwe mapato emudonzvo mumwechete. Izvi zvinonzi kudzorera, uye inzira ine simba yekusimudza kukosha kwehuwandu hwekutsvaga mari yako.

Kana iwe ukadzorera zvikwereti, unotofanira kubhadhara mutero pavari. Kugoverwa kunofanirwa kubhadharwa, pasinei nokuti unoishandisa kuti utenge mamwe mashizha, uaise mune imwe nhoroondo yekuchengetedza, kana kuishandisa kuti utenge matikiti kumafirimu.

Nzira Yokudzivisa Kuparadzana Mitero

Kana iwe uchiri kushandisa uchishandisa mutero wekubhadhara mari, yakadai seye Individual Retirement Account (IRA) kana 401 (k), unogona kudzivisa kubhadhara mutero kune zvikamu (zvichida pakarepo.) Pasi pemaitiro eIRA uye 401 (k) , vatengesi vanogona kudzivisa kubhadhara mutero kusvikira vatanga kubvisa mari pavanosiya basa.

NeRoth IRA, mari inobhadharwa ikozvino, asi vatengi havabhadhari mutero pane chero zvipi zvayo pakubhadhara nguva.

Vashandi vanogonawo kudzivisa mitero yekuparadzanisa nekuisa mari mumatanda asingabhadhari zvikamu. Kunyange zvazvo kushayikwa kwebhadharo kunogona kuratidzira kambani iri mumatambudziko, zvinowanzova chiratidzo chokuti kambani inoshandisa kushandisa mari yayo yekuwanazve kuwedzera nekukura kambani. Kazhinji (asi kwete nguva dzose) izvi zvinoguma nekukurumidza kugovana kugoverwa kwekambani yekambani.

Yakarongwa uye yakarongwa naTim Lemke.