Nzira Yakanakisisa Yokupa Mari Imari
Nguva yekutengesa inzira inogona kushandiswa yekuisa mari yekurega basa. Inosanganisira nzira yekufananidza zvikwereti zvako nekusvika panguva iyo iwe uchada kubvisa kuti uwane zvido zvako zvekurega mari. Ngatitarisei muenzaniso.
Ngatiti Harry naSally vane makore 60. Vanoronga kupedza basa pa 65. Vanoda kuziva kuti makore avo gumi ekutanga ekubhadhara mari yakachengeteka akachengeteka. Kana vakashandisa nguva yakasiyana, vanogona kutenga maCD, zvisungo, kana kushandiswa kwemakore (kana kusanganiswa kwezvinhu izvi) muzviyero zvakagadzirwa kuti zvive zvakakura uye zviwanike mugore ravanoda.
Muenzaniso weHungu Chikamu muchiito
Ngatiti Harry naSally vanoziva kubva kune makore 65 kusvika ku70 vachatoda kubvisa $ 50,000 pagore kuti vawane mari yavo yekushandisa. Vanowana rutsva rweCD uye zvisungo zvinowana 2% kusvika 4% kuti vakura mumakore avanoda mari. Izvi zvinotumidzwa sechisungo chakashamiswa kana makanhi eCD . Ichishanda sezvinotevera:
- CD 1 inobhadhara 2% - yakakura paHarold yemakore 65
- CD 2 kuripa 2.5% - yakakura pazera reHarold 66
- Bond 1 inobhadhara 3% - inobudirira paHarold wezera re 67
- Bond 2 aripa 3.5% - anokura pazera reHarold 68
- Bondo 3 kuripa 3.75% - kukura paHarold makore 69
- 10 gore rakasimbiswa annuity kuripa 4% - kukura paHarold's age 70
- Bond 4 kuripa 4% - yakakura paHarold's age 71
- Bondhi 5 kuripa 4.1% - kukura pazera reHarold 72
- Bondhi 6 inobhadhara 4.15% - yakakura paHarold wezera re 73
- Bond 7 inopa 4.2% - inobudirira paHarold's age 74
Kushandisa purogiramu yepamusoro, mumapepa ezasi pasi ndakaratidza kudiwa kwakakosha kunodiwa paHarold wezera remakore makumi matanhatu nemashanu, nokuda kwekutsvaga (kusanganisira kufarira kwaizowana) kuunza $ 50,000 inoda.
- CD 1 inobhadhara 2% - $ 45,286
- CD 2 kuripa 2.5% - $ 43,114
- Bond 1 inobhadhara 3% - $ 40,654
- Bond 2 inobhadhara 3.5% - $ 37,970
- Bondo 3 inobhadhara 3.75% - $ 35,898
- 10 gore rakasimbiswa annuity kuripa 4% - $ 34,601
- Bond 4 inobhadhara 4% - $ 32,479
- Bondhi 5 kuripa 4.1% - $ 30,871
- Bondhi 6 inobhadhara 4.15% - $ 29,471
- Bond 7 inopa 4.2% - $ 28,107
Zvose zvinoda: $ 358,451
Ngatitorei Harry naSally vane IRA, 401 (k) uye mamwe mari ekuchengetera uye ekutsvaga mari inosvika $ 600,000. Mushure mekushandisa zvimwe zvekuchengetedza kwavo kuvhara nguva zvikamu zviri pamusoro (izvo zvinoenderana nemakore avo ekutanga gumi ekurega kwavo) zvinovasiya ne $ 241,549 vakasiyiwa. Iyi chikamu chekuchengetwa kwavo uye mari yavo yaisazodikanwa kwemakore 15. Kana ivo vachizviisa muzvikwereti (zvichida nenzira yakatarisa mari yekuenzanisira mari ), vachitora huwandu hwe8% hwekudzoka, ingadai ichikura kusvika $ 766 234. Ndinoti izvi ndizvo zvikamu zvekukura zvepodfolio yavo. Mumakore apo chikamu chekukura chinoita zvakanaka, vangatengesa zvimwe zvezvakawanda uye vanowedzera nguva yavo nguva. Nokuramba vachiita izvi vanogona kutarisa makore manomwe kusvika gumi vachiziva kuti vane mari yakachengeteka kukura kuti vasangane nemari yavo. Vane unyanzvi hwokutengesa kukura mumakore akanaka uye vanopa nguva yekudzoka kana ine gore rakaipa.
Zvinyorwa Pamusoro peizvi Kuverenga
Mune izvi kuverenga, ndiri kufunga kuti vose vanofarira vanogona kudzorerwazve pamutengo wakatarwa, izvo chaizvoizvo hazviwanzoitiki.
Uyezve, ini handiri kuverenga nekuda kwekutsvaga. Muzvokwadi, Harry naSally vaida mari inopfuura $ 50,000 mumakore mashanu kutenga mhindu yakafanana yezvinhu uye mabasa ayo $ 50 000 angatenga nhasi.
Ndaigona kuisa $ 50,000 inoda gore negore ne3% nehuwandu hwemakore kusvikira yaidiwa, uyezve inobva yadzikinura iyo kuburikidza nekudzoka kune huwandu hwekutsvaga huchashandiswa. Iwe unenge uchida kuita zvidzidzo zvichibva pane zvaunoda iwe pachako uye mafungiro pamusoro pekuwedzera.
Kana Harry naSally vari kunonoka kutanga kweSocial Security yavo kusvikira 70, mari inowanikwa kubva kumari yavo inogona kunge isina $ 50,000 gore negore. Vanogona kunge vachida zvimwe zvekare, uye zvishoma kana imwechete yavo yepamusoro yehutano hwehupfumi inotanga. Vanogona kushandisa chirongwa chemari yekubvisa mari nguva yekutsvaga izvozvi uye kuisa mari yavo kune zvido zvavo.
Mabatsiro eZvikamu Zvenguva
Paunoshandisa nguva yakasarudzwa, iwe haufaniri kunetseka pamusoro pezvakaitwa nemusika wekutsvaga nhasi, kana kunyange izvo zvainoita gore rino.
Iko kukura chikamu chekutsvaga kwako chikwereti hachizodikanwi kwemakore gumi nemashanu.
Nguva yekutengesa yakasiyana zvakasiyana nedzimwe nzira yekugadzirisa mazairo nehutano hunosiya. Chimiro chekusarudzwa kwemari inoshandiswa inotsanangura kuti zviyero zvipi zvemari yako inofanira kunge iri mune mari, zvisungo, uye mashizha zvichienderana nezvakawanda gore negore iwe unoda kuzviwana. Zvino iwe unogadzira izvo zvinonzi chirongwa chekuregererwa kwekutengesa kutengesa zvakawanda zvega yega yega yega yega gore (kana mwedzi mumwe nomumwe) kuti uwane zvido zvako zvekurega mari. Nenguva-nzira imwechete yekusagadzikana kwegore negore haina kukodzera kune zvinangwa zvako.
Dzidza Zvakawanda Pamusoro Penguva Yekubatana
Muchikamu changu Ndakatendeseka Kubhadhara Imari Yakakosha 10 Maminitsi Emaawa Ako Ndinopa imwe muenzaniso yezvikamu zvenguva uye kushamwaridzana nevhidhiyo pfupi inoita basa guru rokutsanangura pfungwa.
Imwe pfungwa yakafanana nekugadzirisa nguva ndeyekushandisa zvikafu zvakasiyana zvemari zvinokurukurwa mubhuku rinonzi Buckets of Money . Kunyengera Ndinobvumirana nemafungiro ari mubhuku, asi ini handibvumirane kubvumirana nemari yavanokurudzira kuti iwe ushandise kuzadza bhakhi rimwe nerimwe.