Dambudziko, mitero uye basa rekurega basa rekubhadhara zvikwereti
Chidzidzo chakaitwa neCent for Retirement Research muBoston College chakagumisa kuti "mhuri dzekurega dzimba, mune pfungwa, zviri nani kubhadhara chikwereti chavo." Izvi zvinoreva here kuti iwe unofanira kuenda mari muzvikwereti zvako kubhadhara chikwereti chako zvino? Icho chinotarisirwa, zvechokwadi, pane mumwe wako mamiriro ezvinhu. Iwe unofanirwa kuisa mungozi nemitero usati waita chisarudzo chekubhadhara chikwereti chako zvekare kare. Pasi pane zvigaro zvekubatsira iwe kuita sarudzo yakanaka.
01 Kubhadhara Kubva Kwokutengesera Pakutanga - Zvimwe uye zvakashata
Kana iwe uine mari yemari yekubhadhara chikwereti chako pakutanga asi sarudza kusaita, iwe uri kunyanya kusarudza kusima nemari yakakwereta.
Kukweretesa kwenguva yakareba seyefa seimba uye kushandisa imwe mari kubhadhara mari yekushambadzira zvinganzwisisika kana, mushure mekutarisa njodzi nemitero, mubairo wekudzoka pane zvinhu zvako zvakapfuma zvinodarika chikwereti chekuda mari yako. Semuenzaniso, kana iwe uchikwanisa kugovera kune 401 (k) hurongwa - uye kuwana kambani yekambani uye kutora mutero - iwe unoda kuzviita pane kushandisa mari kubhadharira zvimwe pamutoro.
Izvo zvinopesana uye zvinopesana nekubhadhara chikwereti chemangwanani zvakanyatsorondedzerwa zvakadzama kuburikidza nekubatanidza hutano hwepamusoro.
02 Mortgage Interest Deduction Pamberi uye Mushure mekunge Mushaya
Nokuti chiyero chimwe chete hachikwanisi zvose, zvakanakisisa kumhanya maverengi kuti aone kukosha kwekutora chikwereti chaicho chiri pamutero wako wekudzokera. Izvo zvingasave zvichikuponesa iwe zvakanyanya pamitero sezvaunofunga-uye yakaderera yako kutora chikwereti uye pasi yakaderera chikwereti - zvishoma kudarika mutero uripo.
Zvingava zvine musoro kubhadhara chikwereti chako mushure mokunge wapedza basa, panzvimbo yekubvisa basa. Nokutsvaga pachikwata chiri pamusoro, uchawana mamwe mashoko ekuti ungaongorora sei mutero wekubhadhara mari yako kare uye mushure mokunge urega basa.
03 Ndinofanira Kuisa Kana Kubhadhara Kubva Kuchengetedza?
Vanhu vazhinji vanozvimiririra kufunga kuti chinangwa che # 1 chekusati kwasarira ndechekuti imba ive isina chakanaka uye yakajeka. Kunyange zvazvo pasina chakakanganisika nechinangwa ichi, zvimwe zvinangwa zvekurega basa hazvifaniri kuregererwa, kusanganisira kutora mukana wekutora mitero yezvipo kune IRAs kana kuti mapato ekurasira kwekambani.
Muenzaniso uri munyaya iri pachikwata chiri kumusoro inokutungamirira kuburikidza nekuita maverengi kuti uenzanise zvaunogona kuita.
04 Unofanira Kubhadhara Kubvisa Mari Yako Imba Usati Wapera Pamba?
Nyaya yacho inofambawo nedzimwe nyaya yakawanda apo iyi mhirizhonga inowana nzvimbo yepakati nekusarudza kuderedza.
Mamiriro ako akasiyana newe uye kutora matata ako ose mushure anokosha pakuita sarudzo dzakachenjera.