Matanho anoshanda ekuchengetedza mari yako yekurega
Hupenyu hwako
Kushandisa mubhadharo kunogona kuputswa muzvikamu zvitatu, makore ekufamba-famba, makore ekufamba-famba, uye makore asina-kuenda.
Panguva yekurega basa (makore ekufamba-famba), kushandiswa kwakakwirira. Vatorwa vanofamba, vanotenga, gorofu, hove, uye vanofarira zvikuru nguva yavo yekusununguka. Zvichienderana nehutano chikamu ichi chinosvika makore 55-75.
Zvino unouya makore ekufamba-famba, apo nekuda kwehutano kana makore, iwe unogara kumba, uye uchitenga uye uende zvishoma. Kushandisa mumagetsi ekugadzirisa zvinhu kwakaratidzwa kuti kuderedze panguva iyi, iyo inotarisa makore makumi manomwe nemakumi mashanu kubva pamakore.
Munguva yemakore-asina kuenda, kushandiswa kwekutarisira utano kunotsiva izvo zvaiwanzoshandiswa pazvivaraidzo. Mukutengeswa kwemashoko ekugadziriswa kwemari kushandiswa kunopedzisira kuchikwira munguva ino, kazhinji mumakore ekuma80 uye kupfuura.
Nheyo yako yepamusoro
Nheyo yako yepamusoro inogadzirisawo kuwedzera kwekuwedzera kwezvinhu. Vanowana mari yepamusoro yepamusoro (mapato makumi manomwe nemakumi mashanu emari uye akawanda) vane nzvimbo mubhajheji yavo yekuwana mari inowedzera pazvinonyanya kukosha - kutengesa kwezvinhu hazvina kukanganisa kwakanyanya boka iri. Kune vatsigiri vashoma vanoenda mubhadharo inowedzera mune zvidzidzo zvakadai sezvokudya, simba, uye zvechiremba zvinotora chirongwa chakakura kunze kwebhajheji yavo.
Pandinenge ndichiedza kupedza basa rekushanda zvakanaka, zvandinoda ndeyokutanga nokufungidzira mari ichakwira ne3% pagore, maererano nematongerwo emitengo . Zvadaro tinotanga kushanda pane "kupedza-zvakawanda zvino kuronga" izvo zvinogona kureva kuti mari shoma inowedzera gare gare. Rudzi urwu rwekugadzirira runogona kubvumira mamwe mari mumakore ekufamba-famba.
Chinangwa ndechokuwana kuenzanisa pakati pekunakidzwa noupenyu iye zvino-uye kubata zvakakwana zvekubhadhara zvemari kuverengera zvehupenyu-hupenyu zvakare.
Pane matanho chaiwo aunogona kutora kuti uve nechokwadi chokuti mari yako yokurasikirwa inogona kuwedzerwa nekuderera. Hezvino zvinhu zvitatu zvaunogona kuita kuti uchengetedze simba rako raunotenga remangwana.
1. Tora zvakanyanya kubva kune hutano hwako
Social Security inoshandura mari-ye-yekugadzirisa zvigadziriswa yakaitwa mukati. Ihwo hupenyu husingaperi-huwandu hwezvokugadzirisa zvinhu-hugadziriswa huwandu hwekuwana mari - uye urongwa hwokuchenjera hunogona kukubatsira kuti uwane zvakawanda kubva mazviri. Munenge chikamu chetatu chenyu muchavimba neSocial Security kupa 90% yekubvisa mari yako. Vanopfuura hafu yewe vachavimba neSocial Security kwemapurisa anopfuura makumi mashanu kubva muzana.
Chimwe chezvinhu zvinonyanya kukosha zvaungaita kuti uzvidzivirire pamatengo achikwira ndeyekuti uve nechokwadi chokuti iwe unowana zvakanyanya kubva kune yako Social Security benefits (iwe nemumwe wako).
2. Sarudza zviwanikwa zvinowedzera nekutengesa
Zvimwe zvikwereti nemishonga yemishuwarenzi zvinowanzoita kuti zvifambire mberi nekutengesa kwepamusoro kune vamwe. Iko kushandiswa kunogona kunge kusina mari ikozvino, asi kune mari yakawanda gare gare. Zvisarudzo zviri pasi zvakarongerwa muhupenyu hwakachengeteka, hukuru, uye hutsinye.
Investment Safe
- MAZANO (Nheyo dzeMari yePfuma Inodzivirirwa Zvakachengetedzwa)
- Kuwedzera kwezvipfeko kwakakonzerwa nokukurumidza annuities
Pakati pekutsvaga kwekutengesa
Aggressive Investments
Zvakadini neGolide? Pasinei nekutenda kwakakosha kuti kuchengetedza goridhe inzira yakanaka yekudzivirira kupera, mune goridhe rakapfuura rave riri nani dambudziko rakapoteredza kupfuura kupera kwemahombekombe. Izvozvo zvinoreva munguva dzenguva dzishoma dzisinganzwisisiki kutengesa, goridhe harina kuchengetedza, asi inowedzera munguva dzenhamo.
3. Enda gorosi, uye ukure munda
Kana iwe unotarisira kuti kutengesa kwekutsvaga kutsemuka, chinhu chakanakisisa chaungaita ndechimwe chinhu chaunogona kunge uchida iye zvino, uye uzvigadzirire iwe pachako. Tanga nemashoko aya:
- Stock Up - Kana uri kunetseka kuti mutengo uchakwira nokukurumidza, uchengetedze pane zvinhu zvinochengetedza zvino.
- Go Green - Itai kuti imba yenyu ive nesimba rekugonesa sezvinobvira, kuderedza kusarura kwenyu kune kuwedzera kwemaji emagetsi.
- Kukura Bindu - Ita zvekudya zvako, uye kana uchikwanisa, kuwana mombe, kana kuti zvishomanana huku. Iwe uchave wakachengetwa kubva pamitengo yezvokudya, uye kana zvichidikanwa, uchava nechimwe chinhu chekugadzirisa.
- Famba, Bhasikoro, Famba - Urarame munharaunda yaunogona kufamba, bhasikoro, kana kutora matanho evanhu nekuda kwezvinodiwa zvako zvezuva nezuva. Izvi zvinoderedza kutendeseka kwako pamusana pekukwanisa kuwedzera inshuwarisi, gesi, nekugadzirisa mari.