Nhoroondo Yezvakaitika Pakurongwa Kwekuchengetedzwa Kwakachengeteka Kunodzoka.
Iko pfungwa yekusarura mari yekuchengetedza mari ndeyokuunganidza mari yakawanda sezvinobvira nehuwandu hwehuwandu hwemungozi. Saka mari yakawanda sei iyo iwe unogona kutarisira kuigamuchira kana iwe ukaramba uine zvikwereti zvakachengeteka?
Hapana mhinduro yakajeka kune iyo nokuti inobva gore. Pane mutengo unobhadharwa nokuda kwekuchengetedzwa muhutachiwana hwekuderera kwemazingira. Kana iwe uchida kutsigira wako mukuru uye iwe uchida kudzoka kunovimbiswa, unofanirwa kutarisira kudzoka kwako kuve kwakaderera.
Kana mwedzi mitatu CD iri kubhadhara .07 muzana inodzoka pamusana, izvo zvinoreva kuti iwe unogona kuwana mari inodarika $ 70 pagore ye $ 100,000 yaunoshandisa.
Zvakadini nokuvhara mari yako kwenguva yakareba? Iwe unogona kuwana chikamu chechikamu chepfumbamwe chinotarisirwa pamusoro pegore gumi rakasimbiswa annuity, asi iwe unotarisana nemhosva yakawanda yokuzvipira kana iwe ukaiisa mumakore gumi asati apfuura.
Historical Safe Investment Inodzorera
Ikuchengetedzwa kwakachengeteka kwakafanana nechipo chekubhadhara kwakabhadhara 17.2 muzana muna 1981. Ungadai wakagamuchira $ 17,200 muchibereko chekuwana mari ye $ 100 000 yawakapa. Asi icho icho chigadzirwa chakabereka 2.18 muzana chete muna 2003, kana $ 2180 yemari inowanikwa gore negore ye $ 100,000 inotengeswa.
Kana iwe ukabvisa pamba muna 2003 uye iwe wainge uchingotora mari chete muzvakachengeteka, maakarenda ane mazano, iwe ungadai wakaona zvakaoma kuchengeta tsika yako yekurarama mushure mekurega basa. Kuwedzera kwezvinhu zvingadai zvakaita kuti mitengo iwedzere apo mari yako yekubhadhara ingadai yakaramba ichiramba.
Iwe unogona kuenzanidza kudzoka kune mari yakachengeteka kune zvinyorwa zvezvakaitika mumatokari nekutarisa kuti S & P 500 index yakaita sei kwemakore. Idzo inodzoka yakave yakakwirira nematokari, asi bedzi kana iwe wakaramba uchingobhadhara mari iyo yose.
Nzira Yokurangarira Kurasikirwa Nekuda Kwatinoita Mutengo
Tsvaga nzira dzekubatanidza maitiro akasiyana- siyana ekutsvaga mari yekubvisa mari , zvose zvakachengeteka uye riskier, nenzira iyo inogona kuunza mari inoyerera yaunoda kana uri kuronga kubhadhara mari munguva yekuderera kwechibereko.
Vazhinji vakasiya basa vachafanirwa kuronga pavanenge vachitora zvishoma nezvishoma pasi peimwe yevakuru avo pamakore avo ekurega basa.
Tanga nekuita chirongwa chekubvisa mari -muganhu unoratidza izvo zvaunazvo uye zvaunoda mumakore anotevera. Iwe unogona kuona ipapo kana mari yako yakwana kukwana kuvhara gomo mushure mekunge izvi zvataurwa, kunyange kana zvinoratidza kudzoka kwakaderera.
Mari Inobhadharwa Inodzorera *
| Historical 3 Mwedzi CD Inodzoka | ||
| Gore | Dzokera | Mari Yegore Negore Ne $ 100k |
| 2000 | 5.23% | $ 5,230 |
| 2001 | 6.09% | $ 6,090 |
| 2002 | 5.10% | $ 5,100 |
| 2003 | 2.18% | $ 2,180 |
| 2004 | 1.35% | $ 1,350 |
| 2005 | 1.27% | $ 1,270 |
| 2006 | 2.75% | $ 2,750 |
| 2007 | 4.63% | $ 4,630 |
| 2008 | 5.30% | $ 5,300 |
| 2009 | 3.85% | 3,850 |
| 2010 | 1.52% | 1,520 |
| 2011 | .31% | $ 310 |
| 2012 | .30% | $ 300 |
| 2013 | .32% | $ 320 |
| 2014 | .15% | $ 150 |
| 2015 | .07% | $ 70 |
Mamiriro acho akawedzera zvishoma mugore ra2016 nereji yehuwandu hwekudzoka kwe16% pamwedzi mitanhatu, asi izvi zvaive zviri pasi pezvaive zviri mumakore asati apera muna 2010. Ichi chikwata chingave chakuwana mari shoma $ 160 pagore pamari ye $ 100,000 .
* Dhiyabhorosi kubva kuSitifiketi yeDeposit Index (CODI) iyo inosvika pamwedzi wechigumi nembiri yehurumende yakabudiswa 3-Mwedzi Certificate yemadhora.
Cherechedzai: Nguva dzose bvunza nhengo yezvesayenzi kune mazano akawanda kusvika kune rimwe uye zvikamu. Ichi chinyorwa hachisi mazano ezvekutsvaga uye hazvifananidzi sezano rekutsvaga mari.