Iwe unofanira kuisa mari yakawanda sei nekuda kwekurega basa?
Iwe unofanira kuisa mari yakawanda sei mune 401k yako kana IRA retirement pension? Tumi muzana? Zvigumi nemashanu kubva muzana? Iwe unoda mari yakawanda sei kuisa parutivi rwekurega basa?
Mhinduro yacho inobva pane kuti muchawana mari yakawanda sei kubva muhomwe yenyu, mari yekubhadhara, zvigaro, Social Security nemamwe maitiro ekurega mari.
Nokuda kwechikonzero ichi, tichafungidzira kuti hauna zvimwe zvekushandisa mari yekurega mari . Iko kufungidzira kuchaita kuti isu tinyatsofunga nezvezvipo zvako kune compte rekuchengetedza mari.
Pakutanga iwe unotanga, zvishoma iwe unoda kugovera
Sokutonga kwechigunwe, muduku iwe unotanga, zvishoma zvishoma iwe unogona kubva kure nekupa. Ngatitarise mimwe mienzaniso.
Muenzaniso 1
Ngatiti iwe uri makumi matatu, iwe unowana $ 50,000 pagore, uye unoda kubhadhara pazera remakore 65. Une zero yakachengetedzwa kusvikira ikozvino. Iwe unoda kurarama ne 85 kubva muzana yehuwandu hwenyu husati huripo hwekutora mari musati wambotora paunotora basa (iyo iri $ 42,500 pagore).
Kuti uwane chinangwa chako, uchada kuunganidza dendere re $ 2 mamiriyoni ($ 2.06 mamiriyoni, kuti uve chaiwo) nenguva yaunotora basa. Izvozvo zvingaita sezvakawanda asi yeuka: makore makumi matatu kubva ikozvino, $ 2 mamiriyoni ichave yakakosha kudarika $ 2 mamiriyoni nhasi, nekuda kwekuwedzera kwezvinhu. Uyewo, rangarira, kuti mari inoda kukupedza kwenguva yakareba-zvichida chero makore makumi matatu kana iwe uchirarama kuva zana.
Iwe unosvika papi $ 2 mamiriyoni? Kana uri wemakore makumi matatu nemana ane $ 0 akachengetedzeka, uyo anoda kurarama mazuva ano akaenzana ne $ 42 500 pagore muhutano, iwe uchada kuchengetedza $ 600 pamwedzi.
Iko kunofunga kuti iwe unotora makumi manomwe kubva muzana mashomanana, 25 muzana zvisungo, uye 5 muzana mari, uye misika inosvika pamwero.
Muenzaniso 2
Ngatiti iwe uri makumi mana, iwe unowana $ 50,000 pagore, unoda kubhadhara pazera remakore 65, une zero yakachengetedzwa kusvikira ikozvino, uye iwe unoda kurarama mazuva ano zvakaenzana ne $ 42 500 gore pagore.
Mune mamwe mazwi, tiri kutarisa mamiriro akafanana seMuenzaniso 1, nechinangwa chekushanduka chete.
Uchishandisa maonero ekutsvaga kwekutsvaga kwekuita sezvatakaita mumuenzaniso wepamusoro, iwe uchada kuchengetedza $ 1 000 pamwedzi. Mune mamwe mazwi, kumirira kwemakore gumi kuti utange kuponesa masimba iwe kusvika kaviri kudarika kwako kuvhara kuitira kuti uwane chinangwa chimwe chete.
(Kushandisa imwechete yemafungiro, asi kuchinja shanduko kuitira kuti utange kuponesa pazera remakore makumi maviri nemashanu, iwe unongoda kuchengetedza ne $ 375 pamwedzi.Kana wakaponesa $ 1 000 pamwedzi kubva pazera remakore makumi maviri, unenge uine $ 8.4 mamiriyoni panguva yaunotora basa.)
Sei zvakasiyana-siyana zvakadaro?
Izvi zvinokonzerwa nesimba remakwikwi, iro Albert Einstein ainzi "simba guru pane zvose."
Chidimbu chidimbu izwi rinorondedzera kufarira / kubudirira pamari yako yekuwana kuwana huwandu hwakawanda. Mune mamwe mazwi, kufarira kunowedzera pachako. (Tsvaga paunobatanidza kutsanangurwa kwakajeka).
Muduku iwe uri paunotanga kuponesa, nguva yakawanda iwe unogona kuisa mari yako. Kana iwe ukamirira kusvikira wakura, unofanira kuchengetedza zvakawanda kuitira kuti uwane chikwereti kwenguva yakarasika.
Wakaverenga sei izvozvo?
Takaverenga izvi tichishandisa Fidelity Investment's My Plan online retirement calculator .
Nokunyora zera rako, nguva yako yaunoda kubhadhara, yako yekuita mari, uye mari yawakatove yakachengetedza, iyo kuverenga ichaenzanisa kuti unofanira kuchengetedza sei mwedzi kuitira kuti uwane zvinangwa zvako zvekuchengeta mari . Sekuzvidzivirira, iyi muenzaniso wekugadzirisa zvinhu inopa mhedzisiro yakaipa yekutungamirira iyo isingafaniri kuitwa kana kuvimba nayo.
Pane mimwe mitemo yegunwe?
Pano pane mazano mana ekukubatsira kuti usarudze kuti ungachengetedza sei mubhadharo :
Ita Kuti Mufananidzi Wemushandi Wako Awedzere .
Kana wako waanoshandira akashandura mupiro wako wekusunungurwa, tora zvakakwana pamutambo-kunyange kana iwe une chikwereti chakanaka . Chikwereti chekwereti chikwereti chinogona kukubhadhara iwe 25 muzana muchibereko; iyo yemakwikwi emakambani inopa 50 - 100 muzana "kudzoka."
(Iko kambani inofanana? Ngatitaurire kuti mukuru wako ane chikwata mumakumi mashanu emadhora rimwe nerimwe iwe unobatsira, kusvika pane imwe yero.
Izvi zvinonzi kambani yekambani. Iwe uchawana 50 muzana "kudzoka," saka kutaura, pamari yako, nokuti mari imwe neimwe yaunowedzera inowanzova $ 1.50.)
Ichi ndicho chikonzero kuchengetedza basa rekushanda kunofanira kunge iri rinokosha kupfuura iwe, kunyange rakakwirira kudarika kubhadhara chikwereti chekwereti chikwereti kana kubhadhara chikoro chevana vekoroji yako.
Chienzanisa purogiramu uye zvinyorwa zveR oth vs. mhemberero
"Roth" mabhengi ekurega mari , akadai seRoth 401k uye Roth IRA, anokubvumira kupa mitezo mushure mekubhadhara mari. Iwe unobhadhara mitero pane yako yaunowana ikozvino, asi iwe unodzivisa mitero kana iwe uchiibvisa muhutano, kusanganisira mitero ine pfuma huru.
Nhoroondo dzekuchengetedza zvekugara, sezvakazvarwa 401k inopiwa nevashandirwi vakawanda, inokubvumira kupa mari yekutengesa mari. Iwe unodzivisa mitero ikozvino, asi iwe unosangana nebhadharo yemutero mukurasira.
Zera rako, mari yako, uye mafungiro pamusoro pemazuva ano nemitero yemitero ichasarudza kana Roth inosangana nekwakagadzirirwa chetsika yakakunakira iwe. Verenga zvakawanda pamusoro peRoth retirement rekodha, taura kune unyanzvi wemitero, uye fungisisa. Mutero wako wekutero ndeimwe yezvinotambisa mari yaunenge uchinge uine-pamwe nemari yako yekubhadhara chikwereti- uye inobhadhara kunyatsotarisa yako hurongwa urongwa apo uri kuronga basa rekurega basa .
Wedzera huwandu hwepakati yako maererano nemakore gumi uchitanga
Hapana mutemo mumwe chete maererano nehuwandu hwemari yako yaunofanira kuisa kunze kwekurega basa. Iko yepakati inowirirana zvichienderana nezera raunotanga kuponesa.
Kana uine makore makumi maviri, uwane $ 50,000 pagore, uye uchengetedze 10 kubva muzana yemari yako-$ 5,000 pagore-kusvika mubhasi rekubvisa mari, iwe unopfuura kusvika kune zvaunoda kuita.
Asi kana uine makumi matatu apo iwe uchitanga kuponesa, 10 muzana haingakwanisi. Iwe uchada kuchengetedza 15 muzana yemari yako (inenge $ 7 200 pagore) kuti uwane zvinangwa zvako zvekurega basa .
Kana iwe uchitanga wava nemakore makumi mana, iwe uchada kuchengetedza 24 muzana yemari yako, kana $ 12,000 pagore, kuti uwane chinangwa chako.
Tanga pazera remakore makumi mashanu, uye iwe uchada kuchengeta hafu yehafu yako yaunowana-$ 2,000 pamwedzi, kana $ 24,000 pagore-kuti uwane chinangwa chako.
Usatora mungozi yakawanda kubhadhara nguva yakarasika
Kana iwe wakatanga kuchengetedza zvekurega basa mushure mehupenyu, unogona kuedzwa kuti utore pane zvimwe zvekutsvaga mari kuitira kuti uwane chikwereti kwenguva yakarasika. Usaita izvi. Njodzi inzira mbiri-yemugwagwa: unogona kukunda mukuru, asi iwe unogona kurasikirwa nezvimwe. Uye pane imwe nguva, iwe une nguva shomanana yekudzoka kubva pakurasikirwa.
Nzira chete yekubhadhara nguva yakarasika ndeyokuchengetedza zvakawanda.