Mamwe mabasa ane nguva yekumirira kwemwedzi mitanhatu kana gore usati watanga kugovera kune 401 (k) inopa. Uye makambani maduku kana kutanga zvishoma haagoni kupa chirongwa chekurega basa zvachose. Kana iwe uri muchengeti wezvokuchengetedza kana iwe waunoshanda, iwe unofunga nezvezvibatsiro zvako, uye unganetseka kuti ungazotanga sei kuchengetedza zvekurega basa.
Funga nezveIRA
IRA ndiyo ndiyo nzira yakanakisisa kana iwe waunoshandira asingabatsiri kubhadhara mari. Izvi zvinogona kugadziriswa nematareji akawanda, uye mamwe mabhangi. Iwe unogona kusarudza rudzi rwekutsvaga iwe waunoda kuita uye unogona kukumbira mupi wezano wezvemari kuti akubatsire kuziva chakanakisisa chaungasarudza iwe. Makambani akawanda ekutengeserana anoda kuisa mari yekutanga yekutsvaga mari kana iwe ukamisa IRA ine mwedzi wemari yemari. Iwe unogonawo kufunga nezvekugadzirisa mazano ekugadzirisa iRA iwe.
Muganhu wemiganhu yeIRAs wegore ra2018 ndiyo $ 5,500 gore negore, uye $ 6 500 kune avo makumi mashanu nekure. Kana izvi zvakanyanya kwauri (yekare yakaputsika kusvika $ 458 / mwedzi), usaora mwoyo. Iwe unogona kushanda kuti uwedzere chiyero ichi gore rega roga kusvikira iwe uchigona kugovera huwandu.
Iwe unayowo sarudzo yekusarudza tsika yeIRA kana Roth IRA . Neyendarama yeIRA , zvipo zvako kuti uwedzere mitero usingabhadhara uye iwe unobhadhara mitero kana iwe uchibvisa mari kunze kwekurega basa.
NeRoth IRA , zvipo zvako hazvirevi kutora mutero (kureva,, izvo zvinoitwa nematare emitero) asi iwe hauna kubhadharwa pamari nemari yaunowana paunenge uchizvitora kuti uite basa. Zvisinei, iwe unongotenderwa kugovera Roth IRA kana iwe uchiita zvishoma kudarika $ 120,000 kana iwe usina kuroora uye $ 189,000 kana iwe wakaroorana uye uisa mitero yako pamwe chete.
Kunyange zvazvo zvose Roth nemasikirwo IRAs ari makuru ekutsvaga motokari, kazhinji Roth IRA isarudzo yakanaka (achifunga kuti iwe unowira pasi pekutora kapu) kana iwe unotarisira kuva mubhaketi yakakwirira yepamusoro apo iwe uchisimuka. Imwe tsika yeRA inosarudzo yakanakisisa kana iwe unotarisira kuva mutero wechibharo wepamusoro paunotora basa.
Kuzvitsvaga Kushandisa Zvimwe
Kana iwe uri wekushanda iwe pachako kana kuti kambani yekuzvimiririra, une zvimwe zvekusarudzira zvekusarura . Iwe unogona kunyora mune SEP IRA kana solo 401 (k) chirongwa.
A SEP IRA inoshandiswa mutero unobhadhara mutero, iyo inotora mari yako isati yabhadhara inotengesa mitero-yakatambidzwa kusvikira iwe uchitora iyo paunotora basa. Chimwe chikomborero chakakura cheSeP IRA ndiyo miganhu yakawanda yemipiro, iyo yaiva $ 54,000 muna 2017, kwete kudarika 25% yemari yako. Chimwe chigadziro chekuchengetedza basa raunogona kufunga ndeye 401 (k) chirongwa.
Yeuka, iri pfungwa yakanaka yekutaura neAcountant yako pamusoro pezvakanakisisa zvingasarudzwa zvekuchengeta mari yako kuitira kuti iwe unogona kushandisa zvakadai sekubhadhara mitero sezvinobvira iwe uchichengetedza kubhadhara.
Funga nezvekushanda mabasa
Paunotanga kushanda, iwe unogona kunge uchida kuenda pasina zvimwe zvinobatsira kuwana ruzivo kana kuti iwe unotenda zvechokwadi mune kambani. Dzimwe nyeredzi dzingave dzisingabatsiri zvirongwa mumakore mashomanana ekutanga asi uronga kugovera ivo mushure mezvo.
Kana uri kushanda kune kambani duku kana kutanga uye wakanga uri kwemakore mashomanana usina kuchinja mune zvekubhadhara mari, unogona kufunga kuchinja mabasa kune imwe kambani yakasimbiswa kuti uwane zvakanyanya kubva pakubhadhara mari yako uye uwane zvimwe zvinokosha .
Kuzvipira Kurasira Kunze Kwekugara Kwemari
Chero bedzi iwe unosvika paunobhadhara zvipo zvako, hazvirevi kuti unofanirwa kumira kugovera kubhadhara. Iwe unogona kuchengetedza kubhadhara nemari yezvemari kunze kwekunge uri mubhuku rekuregererwa kwepamutemo.
Zvechokwadi, kana iwe uri kuronga kubvisa pakarepo, iwe unoda kuva nechikamu chakanaka chemari yako yekurega mari muzvikamu zvakasiyana kuitira kuti iwe ugone kuwana mari kunze kwekugamuchira chirango chekurumidza kubvisa chirango. Iwe haubvumirwi kutora mari kubva kune IRA kana 401 (k) kusvikira iwe 59½ usina chirango che10%.
Asi iwe unogona kuda kudzokera mberi pane izvozvo, kana kutotora basa rekurega basa kana zviri mari zvingakwanisika kuti iwe uite saizvozvo. Kana iwe uine mamwe masimba, iwe unogona kubvisa mari kubva ipapo kusvikira uchisvika makore makumi mashanu nemakumi matatu nemashanu kuti udzivise zvikwereti izvozvo.
Tora Kubatsira Kwezvimwe Zvipo
Kana uri kushanda kutanga, vanogona kupa dzimwe sarudzo, sekutenga kusarudza zviriko panzvimbo yekubvisa mari. Izvi zvinogona kukubvumira kuti ubatsirwe nekukura kwekambani mumakore mashomanana ekutanga. Iyi ndiyo nzira yakanaka kana yakarongeka zvakanaka.
Iwe unofanirwa kuisa pachena kuti nzvimbo yako yepamusoro yakasiyana zvikuru , kunyanya sezvo kuva neuwandu hwemhando iyi kune riskier, sezvo iri kutanga uye inogona kutarisa zvisina kutarisirwa.
Panewo mitemo pamusoro pekuti iwe unogona kutengesa sei shamba yako mushure mekutenga, izvo zvinosiyana nemakambani, saka izvi hazvifaniri kunge zviine sarudzo yako yose yekurega basa.
Yakavandudzwa naRachel Morgan Cautero .