Kana ukasarudza kusabhadhara mitero, uye iwe uchibhadhara mitero yako, unogona kupedzisa kubhadhara mitero pamwe nekuripa mubhadharo.
Kuti udzivise izvi, iwe unoda kuenzana nemari yako yegore, uye uise mutero wako wekuregeredza zvakakodzera.
Ndezvipi Zvakawanda Mumitero Unofanira Kuzvirega?
Kana iwe uchangobva kubhadhara, zvinogona kuva zvakaoma kuziva kuti mari yakawanda inobhadhara mari yako kubva muhomwe yako sezvo mutero wekutere unobva pane zvinyorwa zveimba yako zvekuwana uye zvakabviswa.
Paunowedzera zvose zvaunowana mari uye kubvisa kubhadhara kwako, iwe unowana mari yako inotengesa. Mari yako inobhadharwa inotora bhati yako yemitero, uye iwe unogona kushandisa iri bhakisi yemitero kuti uenzanise kuti zvakadini kuti urege. Paunotarisa chati yebhadharo iwe unogona kuona kuti mari yakakwirira yemari inobhadharwa pamitero yakakwirira.
Kuronga mutero kunogona kukubatsira kuti uone yakaenzana kuti urege. Nekuronga kwemitero, iwe unoisa pamwe "kufungidzira" mutero wekudzorera, unonzi kutarisa kwemutero. Sezvaunoshandura pakuenda kumusha, iwe ungada kushanda neCPA, unyanzvi wemutero, kana kuti mugadziri wekusununguka kuti akubatsire neizvi.
Kana iwe uchida kuzviita iwe pachako, unogona kuvhara nhamba kuin online 1040 mutero wokuverenga kuti uwane kuongororwa kwakaoma. Kana iwe unogona kuzadza feral tax yako fomu sekunge iwe uri kutora mitero. Tevedzera mirayiridzo kuti uone kunzvimbo ipi imwe neimwe yemari inowanikwa. Verengai mutero waunofunga kuti uchakwereta. Gurai izvozvo nemari yenyu yose.
Shandisa mhinduro kuti uone kuti zviyero zvipi zvekuregera.
Semuenzaniso, ngatitii mari yako yose ichava $ 20,000 kubva muhedheni uye $ 30,000 kuti iwe uchatora kubva kuIRA yako. Iwe unogadzira kubhadhara mutero wekudzorera uye kuverenga iwe unokwereta $ 5,000 mumitero. Icho chikamu che10%. Iwe unogona kuva ne10% muhurumende yemitero yakachengetedzwa zvakananga kubva muhomwe yako uye kugoverwa kweIRA kuitira kuti iwe ugone kuwana mari inosvika $ 18,000 kubva muhomwe yako uye $ 27,000 kubva kuIRA yako.
Nguva Yokushandura Mutero Wakawanda Sei Wakabviswa kubva Pamba Yako Pension
Paunenge uchishanda, iwe unogona kuchinja mutero wemutero unoregererwa kubva pamari yako yegore negore. Mukurasira, iwe unogona kuita izvi zvakare. Kana mamiriro ako emitemo achichinja, iwe unoda kuchinja iwe unoregererwa.
Semuenzaniso, gore rako rokutanga rekurega basa iwe unogona kuva nemari yegore, uye iwe unogona kuva nemudzimai achiri kushanda. Izvi zvinoreva kuti iwe ungada kuisa mari yakawanda yemitero kubva muhomwe yako yegore iroro. Mumakore anotevera, mari yako inogona kuchinja, zvinoreva kuti iwe unofanira kuchinja mitero yako yekutambira.
Zviitiko zvinotevera zvinogona kuita kuti ude kuchinja mutero wako wekuregererwa mukurasira:
- Waroorana anorega kushanda
- Iwe kana mumwe wako unotora basa rekugadzirisa nguva
- Iwe unobhadhara chikwereti kana kutora chikwereti
- Une mari yakawanda yekutengesa mari inowanikwa kubva kutengeswa kweimba, mutual funds, kana stock
- Iwe unotora kubva kune IRA kana 401 (k) nhoroondo
- Iwe kana mumwe wako unotanga Social Security benefits
- Iwe unosvika makore makumi manomwe uye unoda kuti IRA zviparidzike zvitange
Shanduka muKubata Maitiro Paunotanga Social Security
Vakawanda vakasiya mari vane penhesi vanoshamiswa nekuwedzera kwemitero yavo pavanotanga Social Security . Kuwanda kwehupfumi hwehupfumi hunoenderana nekubhadhara mitero kunoenderana nemamwe magetsi ekuwana. Kana penhesi yako yakatanga makore mashomanana apfuura uye ikozvino uri kutanga Social Security zvinyorwa , iwe unogona kunge uchida kuwedzera mitero yako inholding.
Shanduka Mukusachengetedza Paunosvika Makore 70
Paunosvika makore 70 ½, unotanga kutanga kutora kugoverwa kubva kumabhadharo evanhu vedare reIRA uye mamwe mazano ekurasira basa akadai se 401 (k).
Izvi zvipo zvinosanganiswa semari inotengesa pamutero wako wekubhadhara. Nguva zhinji iwe unoda kutora mitero yakadzivirirwa kubva kune aya IRA / 401 (k) kugoverwa.
Vamwe vanhu vanotora kugoverwa kweIRA kana mari-kunze kwekare 401 (k) hurongwa pakutanga kwegore uye vanokanganwa nezvayo panguva yavanoshandisa mutero wavo wokudzoka. Vanoshamiswa nemari yemitero yavanofanira. Usarega izvi zvichiitika kwauri. Chero pose paunotora mari kubva kune imwe nhoroondo kumubhadharo kubvunza pamusoro pemutero unorehwa. Zviri nani kuronga mberi pane kutora kumashure pamitero.