Chii chaunotarisira apo uchitsvaka mari shoma shoma.
Zvose zviri muhupenyu ndezvekutengeserana-offs. Nokusarudzwa kusarudzwa kwekutsvaga, iwe haunzwisisi kurasikirwa nemukuru wako, asi iwewo haunzwisisi kuwana mari yakakwirira yekudzoka. Kana iyi ndiyo iyo yekutengeserana-iwe wauri kutsvaga, ipapo pasi apa pane zvinomwe zvingasarudzwa zvekutsvaga mari yekufungidzira.
1. Kubhengwa kweBhangi
Nhoroondo yekuchengetera pabhangi yako kana chikwereti chekodhi ine ngozi shoma. Iwe kukosheswa kwebhuku hakuzombochinja.
Asi iwe unogona kurasikirwa nemari nenzira inononoka uye yakasimba, kufanana nekukura. Kana nhoroondo yako yekuchengetera iri kukubhadhara 1%, uye kutengesa kwezvikamu zvinokwana 3%, iwe uri kurasikirwa ne2% pagore mukutenga simba. Bhuku rekuchengetedza mabhuku ndiro sarudzo yakanakisisa apo iwe unoda kuwana mari yako chero nguva.
2. Zvitatimiti zveDhipatimendi (CD)
Mabhangi anopa zvikwangwani zvekuita kuti iwe uve nechido chekuda mari pane imwe nguva, yakadai semwedzi mitanhatu, gore rimwe, kana makore mashanu. Kana iwe ukabvisa mari yacho isati yasvika, chirango chinogona kushanda. Kufanana nemabhuku ekuchengetedza, maCD ane ngozi shoma. CDs inogona kuva nzvimbo yakanaka yekupesa mari yekutenga iwe waunoziva iwe uchada kuita pane imwe nguva munguva yemberi.
3. Nheyo dzeMari
Hurumende yeUnited States inotaridza marudzi akawanda edziviriro, iyo yose inofungidzirwa kuti inotengeswa mari shoma. Pane EE Bonds, Ini Zvikwereti, MAZANO, Mari dzeMari, Mari dzeMari uye Mari dzeMari. Iwe unotenga aya marudzi emari yekutsvaga kwehurumende zvakananga kubva kuUnited States yeUnited States kuburikidza nenhoroondo yeIndaneti.
Ndine kambani yakadaro, iyo inobatanidza nekeri yangu yekuongorora.
4. Mari Mari Maererano
Bhengi yako inogona kupa mari yemakethe yemari iyo inogona kubhadhara chikwata chechikwereti chakanyanya kudarika chikamu chekuchengetedza yakazara. Iwe unogona kudiwa kuti uchengetedze huwandu hwekuenzanisa kuti uwane chikwereti chakakwirira. Mari yemusika mabhuku akasiyana zvakanyanya pane mari yemari yemari.
5. Stable Value Funds
Nhamba yakasimba ndeyekusarudzwa kunowanikwa mukati mezhinji (asi kwete yose) 401 (k) zvirongwa. Icho chiito chekutsvaga kwekutsvaga nechinangwa chekuchengetedza mukuru wako, kupa ruzivo kuitira kuti iwe ugone kubvisa mairi panguva ipi neipi, nekuwana zviyero zvakaenzana nekupfupi uye pakati penguva yezvisungo zvisungo asi nekusava nekusagadzikana (zvishoma nezvishoma uye zvichidzika kuchinja). Vazhinji vari pedyo nevatorwa vanofanira kufungisisa kukosha kwechigarire sechikamu chemahofisi avo mukati meurongwa hwavo hwe 401k.
6. Fixed Annuities
Fixed annuities inobudiswa nekambani yeinishuwarenzi. Izvo zvipingamupinyi zvishoma nekuti kambani ye inshuwarisi inobvumirana kubvumirana kukubhadhara iwe yakagadziriswa chikwata chekuda. Gore rakasimbiswa rakafanana neCD kunze kwekufarira kunowedzera mitero-inoderedzwa. Kusiyana neCD iwe uchabhadhara mutero wekutengesa kana iwe uchibvisa chikwereti usati wava nemakore 59 ½. Chirongwa chekutora chikwata chakanaka chakanaka chete sekambani yeinishuwarensi iyo inoibudisa. Mari yako mune annuity inoratidzirwa kune imwe njodzi kana kambani ye inshuwarisi inobviswa mune bhizinesi. Kana uri pasi pemiganhu yenyika guaranty, mari yako inofanira kuchengetedzwa. Fixed annuities isarudzo yakanaka iwe uri mubhaketi yakakwirira yepamusoro, unoda kuti mari yako ive yakachengeteka, uye haifaniri kuishandisa kusvika 59 1/2 kana kuti gare gare.
7. Zvikamu Zvokupedzisira
Anokurumidza annuity inokusimbisai mwedzi wega wega wekuwana mari. Kungofanana neyakachengetwa goreuity chibvumirano chakanaka chete sekambani yeinishuwarensi iyo inoibudisa. Mari yako mune annuity inoratidzirwa kune imwe njodzi kana kambani ye inshuwarisi inobviswa mune bhizinesi. Kana uri pasi pemiganhu yenyika guaranty, mari yako inofanira kuchengetedzwa. Kunyengedzerwa kwemazuva mashoma ndicho chisarudzo chakanakisisa kana iwe mukuru uye uchida kuwana mari yakagadzirirwa kupedza hupenyu hwako hwose.
Kudzoka uye Njodzi Zvinotarisirwa Kutengeswa Kwakawanda Kwengozi
Hazvina musoro kutarisira kudzoka kwakakwirira kubva muzvikwereti zviduku. Hapana kana kudya kwemazuva mashoma uye mazvikwereti anopa mukana wekudzoka kwepamusoro uyewo anouya nehuwandu hwemungozi. Kuti unzwisise njodzi ndinofunga kuti zvine musoro kuisa dambudziko rekutsvaga kwekutsvaga kwekutsvaga kune imwe nyika ye1 kusvika ku5, nevechishanu iri sarudzo huru, uye imwe iri sarudzo yakachengeteka.
Imari inorondedzerwa pane zvakarongwa pamusoro apa inogona kuiswa sa1 kana 2 pamwero wakadaro.
Nguva Yokuenda Nayo Dambudziko Rakashata
Kuzviisa pasi pangozi ndiyo yakasarudzo yakakwana yezviitiko zvose zvinotevera:
- Iwe hauzive zvimwe zvekuita nemari yako ikozvino.
- Icho chiri chebhadharo yako inokurumidza.
- Iwe unogona kutora kushandisa mari iri pasi pemakore gumi.
Kana uri kuisa mari iwe haufaniri kushandiswa mukati memakore gumi anotevera iwe unogona kuongorora chimwe chinhu chinopa mikana yekudzoka kwakakwirira, iyo inogonawo kusanganisira kutora ngozi yakawedzerwa.
Nzira yekuvaka chikwereti chepodfolio inoreva kuti iwe unofungisisa kushandiswa kwezvikwereti nematambudziko akasiyana-siyana kuitira kuti vashandire pamwechete kuenda kune chinangwa chakafanana.