Nzira yakasimba zvikuru ndeyokuwedzera kukwanisa kwako kuwana uye mari. A 5% kumutswa kwegore negore, kana kukurudzirwa kunokutengesa iwe 20% inowanikwa, kuchaita kuti kutengesa kwezvinhu kusabatsire. Zvisinei, kana izvozvo zvisingaiti, kana iwe uri pane mari yakasarudzwa kana kuti iwe uri pamba, iwe unoda kutsvaga zvimwe zvingasarudzwa.
Nzira yakanakisisa yekudzivirira kuchengetedza kwako ndeyekuisa mari mumusika wekutengesa . Yakadzoka inenge 10% panguva. Zvingazoita saizvozvo mune ramangwana hazvizivikanwi, uye kune ngozi.
Kana uri kutsvaga nzira yakachengeteka yekuzvidzivirira kubva kuhupfumi, funga izvi zviviri zviridzwa zvakanaka zvaunogona kutenga kubva kuUnited States . Sezvaunogara uchiita, taurirana nemari yako kuronga usati waita chero sarudzo yemari yekuziva kuti izvi zvinopindirana mukati mezvinangwa zvako.
MAZANO : Imwe nzira yekudzivirira podfolio yako kubva kuhutachiwana ine mazano - Treasury Inobvumira Zvidziviriro Zvidzivirirwa . Izvi zvinopa chikwereti chakatarwa chekufarira. Zvisinei, kaviri pagore hurumende inogadzirisa zvakare mukuru wehutungamiri mukupindura kwekushandurwa kweInhamba yeVatengi , iyo yakabudiswa mwedzi nese neBusiness of Labor Statistics .
Izvi zvinoreva kuti, sezvo inflation inowedzera, kukosha kwesungano kunowedzera. Kunyange zvazvo chikwata chekufarira hachikwanisi kuwedzera, vatengi vanowana mari yakawanda yokubhadhara nokuti pato inoshandiswa kune mukuru mukuru.
MAZANO anoita zvakanaka panguva yekutengesa, asi anoita zvakanyanya panguva dzekusagadzikana kana kumira. Zvisinei, pamusoro pekureba kwenguva refu, havakwanisi kuita pamwe nehuwandu hwakasiyana-siyana hunosanganisira mashizha .
Nhepfenyuro I Zvikwereti : The Series I Bonds , kana Ini Bond kwenguva pfupi, inopa chivimbo chakanaka chekudzorera iyo inochengetedza hupenyu hwehutano. Inotaridzirwawo nehuwandu hwehuwandu hunoendeswa kune CPI, uye hunogadziridzwa munaNovember naMay. Kudzoka kwaunowana nokuda kwechibvumirano ndechekubatanidzwa kwehuwandu hwayo hwakatarwa uye chiyero chinowanikwa panguva iyoyo. Kuti uwane kuburitswa kwebasa rimwe nerimwe, enda kuChipatimendi cheDhipatimendi re Savings Bond Calculator.
Dzidza zvakawanda paIndaneti yeUnited Treasury.