Ndiri kurarama pabhadharo yakaoma uye ndine kadhi rechikwereti chikwereti. Ndinofanira kubva kune chikwereti ndisati ndafunga nezvekupa chikwangwani pandakaronga chirongwa che 401k here?
Mhinduro:
Kwete hazvo. Nepo vamwe vanhu vachati iwe uri nani kubhadhara chikwereti usati waponesa uye uchinge uine mari yako, zvingava zvine musoro kuita zvose panguva imwe chete.
Nharo Yokubhadhara Chikwereti Kutanga
Chikonzero nei vanhu vachikurudzira kuti iwe unobhadhara chikwereti usati waponesa uye iwe uchinge waita mari yako inonzwisisika. Iro nyaya yekuyera mitengo yemari. Kana iwe uri kubhadhara chikamu chikuru chekufarira pane chikwereti chako, taura 15% yegore rega rega yepayidi inobhadharwa nemuwandu weAmerica mumazuva ano, kana iwe ukabhadhara kana wakangodaro, wawana 15% chete wawakarashikirwa. Kana iwe uchifunga nezvekubhadhara chikwereti semari yekutsinhanisa, iwe unongova ne15% kudzokera pane yako yekutsvaga. Zvakanaka pane chero misika. Saka zvinonzwisisika kuisa mari yako yose kune iyo kusvikira chikwereti chabhadharwa, uye iwe unogona kuenda unowana kudzoka kwechokwadi pane imwe nzvimbo.
Hezvino chikwereti chinokwereta chekubhadhara iwe unogona kushandisa kuti uone kuti ungagona sei kuchengetedza pamari yekubhadhara chikwereti chikwereti pane nguva nekuita zvikwereti zvakawanda pane yako kadhi rechikwereti chikwereti.
Chikwereti Blaster calculator
Chikonzero nei Maonero Akafanana Asingaiti Nguva Zvose
Dambudziko rekukakavadzana uku vanhu vanhu havaiti nguva dzose vanoita zvine musoro.
Kana tikasadaro, vazhinji vedu hatidi kutakura chikwereti chakadai pakutanga. Asi tiitore icho isu tinowanzoita. Kana iwe ukamirira kubhadhara chikwereti usati wachengetedza kubhadhara asi iwe usingatombogoni kubhadhara chikwereti, rimwe zuva unogona kuona kuti inguva yekurega uye iwe hauna kumbogadzirira. Uye, zvichida, achiri muchikwereti.
Iyi inzvimbo iyo vazhinji makumi matatu, 40-, 50- uye kunyange makumi matanhatu-vanozviwana vanozviwana pachavo mazuva ano. Vari kuronga kugadzirisa basa paminiti yekupedzisira .
Imwe dambudziko ndeyekuti mamwe makore makore ako masimba anogona kudzoka zvakawanda kupfuura 15%. Zvimwe makore zvishomanana, asi kana iwe ukagara uchingotengeswa mumusika wenguva refu uye uchiramba uchingopa zvipo nguva dzose, mari yako inofanira kunge yakatarisirwa kuona zvimwe kukura uye kunze kwekunamata. Nhoroondo, yemusika wekutengesera wakadzoka anenge 10% pagore paavhareji . Uyezve, mari yako inowanikwa mumutero wekutsvaga kwekuteresa yakadai se 401 (k) kana IRA. Saka inogona kukura zvakakurumidza. Kurasa kunze kwemakore maviri kana maviri makuru kunogona kuita mutsauko mumari yako yese.
Kuti ave nechokwadi, chikwereti chinogona kukura nokukurumidza kana kupfuura. Uye ndinoziva kuti ndichawana mhinduro kubva kune vaverengi vanoti chikwereti chinotyisa uye ndiri kukurudzira (ini handiri). Asi kutaura kwechokwadi, iwe unogona kunge uri mukati uye kunze kwekadhi rechikwereti chikwereti nguva dzakawanda muupenyu hwako hwose. Kana iwe uri kubhadhara chikwereti uye panguva imwe chete uchichengetedza kubhadhara, unofanirwa kupedzisira uine simba rakasimba kudarika iwe zvaungadai uri.
Apo Kuchengetedza Kurasikirwa Pakutanga Ndicho Chisarudzo Chinojeka
Kuchengetedza kubhadhara zvisinei nokuti chikwereti hachina-brainer kana wako mushandi achienzanisa zvipo kana chikamu chemipiro yaunoita kune yako 401 (k).
Uine 401 (k) maonero iwe uri kuwana pakarepo kudzoka pamari yako. Funga nezvazvo sebhasi, kubhadhara mari, chero chii. Zviri nyore mari. Saka chengetedza zvishoma kusvika pamari yaunoshandira iwe; inowanzova pakati pe3% kusvika 6% yemari yako.
Asi ini ndinoti kuponeswa kwekurega basa ndechokuti hakuna-brainer chero zvakadaro. Chikwereti nekuchengetedza mari kune zvimwe zvinhu zviviri zvakasiyana, saka sei uchifunga nezvechikwereti muchisarudzo chako chekupa chikamu kune 401 (k) kana IRA chirongwa chokubvisa basa? Pasinei nokuti iwe unobata basa kana kwete, unofanirwa kutora basa rako rekurega basa remangwana pamwe nezvinodiwa zvako zvemari zvino. Urongwa hwekushandira hunofanira kunge hwakawanda chikamu chebhajheji semari yako yebhadha, motokari, fonifoni uye tambo. Chikwereti chinogona kuuya kana kuenda, kurasikirwa kunofanira kugara kuchikosha.
Uchiri kuedza kutsanangura kuti ungaisa sei kuisa mari yako pamari?
Heino infographic inogona kushandiswa kukubatsira kusarudza nzvimbo inonyanya kukosha yepurogiramu yako yezvemari yekuisa pfungwa pazotevera.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.