Kungofanana nekacheka yeganda, maitiro emitero anobatsira anogona kuiswa
1. Mitero Yayo Imari-Yakakwana Mari muZvato Dzisina Kubhadhara
"Vamwe varairidzi vanoshamiswa kuona kuti vanofanira kubhadhara mitero pamubhadharo mukuru uye kugoverwa kwezvikamu kubva kumari yavo pamwe chete neEFs, kunyange dai vasina kutengesa mari yavo mugore.
Zvechokwadi, pamusoro pemakore 10 apfuura, mutengo wegore negore mutero wekutengesa mari yekutengeserana waiva 1.3%. 1. "
1. Mhedziso: Morningstar sa 3/31/14. "Mutero Wemitero" ndeyekuenzanisa kweMatsetse emigumisiro yemitero pamari inowanikwa muhomwe uye kugoverwa kwemari pamabasa. Nharaunda dzinotaridzirwa uchishandiswa kushandiswa kweboka rekare rese remari inoshandiswa pakugadziriswa kwemari inowanikwa muAmerica (kusabatanidzwa kwemasvingo ehurumende nemari yemari yemari) nemakore gumi emiteresi zvinyorwa sa 3/31/14.
Imwe mari inobatanidza mari inobhadharwa zvikuru iyo inoita kuti pfupi nguva pfupi inowanikwa mari inoparidzirwa gore negore. Kupararira kwakadaro kunotarirwa pamutengo wepamusoro wemitero kudarika nguva yakareba yekuwana mari kana zvikwereti zvakakosha. Nokusarudza mari yemari kana mari yakatarwa nemitero mune zvisingabhadharisi mabhesi iwe unogona kuderedza mitero yako yemutero.
2. Shandisa Nzira Yakanzi Nzvimbo Yenzvimbo
Iwe unogona kuwana mari yako yekusimwa mumatare etarenda anokonzerwa nemitero nenzira yakagadzirirwa kuderedza mari yaunotengesa mari yaunowana gore negore.
Heino nhepfenyuro yemagetsi yemitemo yenzvimbo yekufunga nezvayo:
- Isa zvikwereti zvinogona kukwanisa kudzoka mukati memabhuku ako eRoth. Izvi zvingave zvakabata sekidiki duku uye misika yakabuda.
- Ita mari yekuita mari inogadzira mararamiro emakore akawanda uye inokodzera zvikwereti mune zvisingabhadhara mari. Izvi zvingava zvinhu zvakadai seS & P index fund kana chikamu chekubhadhara zvikwereti.
- Ita mari yakasimbiswa uye mari yepamusoro yekutsvaga mari mumatare ezvomutero wemari. Izvi zvaizova zvinhu zvakadai semari yemari, mari yeimba yemari, mari yakachengetedzwa zvakakwana), uye mari yezvisungo.
- Imba yepamusoro yemabhazi inofanirwa kufungidzira kushandiswa kwemasisita emasisita ekugadzirisa mari yakasarudzwa inowanikwa mune zvisingateereri mabhuku.
3. Kukohwa kubudirira uye kurasika zvichienderana nemutero wako
Kana mabhazi ako emitero ari pasi (15% kana kuti pasi) iwe unogona kuwira muzana yepuro mari inowanikwa mubhadharo-mutero -zvichireva kuti iwe hauchabhadhara mutero pane zvakawanikwa zvakakosha. Iwe unogona kushandisa muongorori wemutero kuti uone kuti makore aya angave akaitii nechinangwa chekuona zviwanikwa mumakore apo zvisingakwanisi kubhadharwa.
Vanhu vanowana mari yakakwirira vanofanirwa kuona chero kurasikirwa kukuru kunodiwa gore negore apo kurasikirwa uku kunogona kushandiswa kusinganzwisisi mari yakawanda. Iwe unogonawo kukohwa kurasikirwa kubvisa imwe mari inowanikwa mari yaunogona kuva nayo.
4. Mari yekubhadhara mari yakabhadhara yakabva pamutero wako wekuteresa
Kukura kwemitero kwakaoma kuwana uye zvose Health Savings Accounts uye Roth mabhuku anopa kukwanisa kukura mari yemutero-pasina, saka kazhinji, ndinofunga kuti munhu wose akakodzera kuita kudaro anofanira kubhadhara aya marudzi eakaunti. Izvo zvinonzwisisikawo kubhadhara kambani makambani mumari yakakwana yekuwana mutsara wakazara.
Kambani yekambani inoburitsa inokurumidza kudzokera kunekutsvaga.
Kana zvinhu izvozvo zviripo, bhaketi yako yemitero ikozvino uye mune ramangwana inosarudza zvaunofanirwa kutenga mari inotevera. Pasi pane nheyo yakawanda yekubhadhara mari:
- Fund Roths apo yako yemazuva ekupedzisira yebhasiketi yakafanana kana yakaderera pane yako inotarisirwa marginal rate mukuraira.
- Mari dzekodha dzinokonzerwa neChikwata kana mahara ako epamuganhu aripo akakwirira kudarika zvaunotarisirwa mumwero wakatarwa mukurasi.
- Shandisa zvizere zvikwereti zvose kuti uwane chikwereti chikuru chekuchengetedza. Mune dzimwe nyika, nokuda kwekuwana mari yakawanda / yepamusoro-soro pabasa, izvi zvinogona kusanganisira mari yekubhadhara mari uye mari inoshandisa inshuwarisi yehupenyu.
5. Bvisa mutero zvinobudirira mukutora basa
Social Security ndiyo mutero-unofanirwa kutenga mari. Pazhinji 85% ye Social Security retirement benefits inenge iri pasi pemutero wemari .
Izvi zvinowedzera zvingave zvakakunakira kubhadhara zuva rekutanga re Social Your Security kuitira kuti uwane mari yakawanda yeupenyu huri mutero-wakasarudzwa.
Mune dzimwe mamiriro ezvinhu, kazhinji kazhinji inowanikwa kune avo vasina mari yakawanda yepensheni uye ine mibare yakaenzana yeARA account, usingashandisi IRA pavanotora mari pavanenge vachirasikirwa neHurumende kuchengetedza kunogona kubatsira uye kugadzirisa zvaunoguma kana uchienzaniswa nedzimwe nzira dzekuregera.
6. Urongwa hunotarisana nehuwandu hwakawanda hwekufungidzira
Vanhu vazhinji vanofunga pamusoro pebhakoni yavo yemitero iye zvino uye zvavanofunga kuti zvichaita sekutora basa. Vazhinji varongeri vezvemari vanoshandisawo mafungiro evanhu. Izvi zviri nani kupfuura kuita pasina kuronga zvachose, asi ndinofunga kuti zvigadziriswe zvakagadziriswa zvekufungidzira nguva dzose zviri nani kupfuura kushandisa mutemo wekugadzirisa kwechigunwe. Kuronga kwakanakisisa kunobva pakushanda iwe pachako kwemazuva ekutengesa mutero uye kubva pakuwana mazano zvichienderana nemamiriro ako ega.
Ichi chinyorwa chizere nemitemo inoshandiswa - haufaniri kuishandisa zvisiri izvo. Handizivi mamiriro ako ega uye iwe unogona kuva nemamiriro ezvinhu zvinoreva kuti mamwe emitemo inotaurwa munyaya ino haingakodzeri iwe. Hapana bhuku, nhaurwa kana paIndaneti mazano ehurukuro inogona kudarika kukosha kwokuti kuenzaniswa kwevanhu pachavo kunoitwa neanokwanisa kugadzirisa mari kana muteresi anokwanisa kupa.
7. Ronga kurongeka pamutero wekutarisa
Zvinotoshamisa kuti, vazhinji vaifunga kuti mutero wavo wekukwereta ungave wakaderera mukurasira unoziva kuti izvo hazvisi zvechokwadi. Izvi zvinowanzoitika kune avo vakatendeka vakazvipira kumitero yekusarudzwa kwemitero uye kuguma nemari yakawanda muIRAs uye 401 (k) s.
Chirongwa chekare chemitero chingave chakafananidza nzira yavo yeramangwana rekubhadhara uye yakavabatsira kuita zvisarudzo zvisati zvaitika zvingadai zvakagadzirisa kuenzanisa kwavo pakati pekubhadhara mutero uye mushure mekunge musati wadzivirira. Kune vakawanda, hausi kuda kusvika kumusha nemari yako yose mumitero yakasarudzwa yekurasikirwa . Izvi zvinoreva kuti dhora rose raunoda kubvisa richabhadhara, kuitira kuti iwe unofanirwa kubvisa $ 1.40 kana kupfuura kune imwe dollar yaunofanira kushandisa. Avo vane huwandu hwekugadzikana kwezvemari pakubhadhara mari inowanzova nehuwandu hwekuchengetedza pamarudzi akasiyana-siyana emakondomu.