Nzira dzakakwana dzokuwana mari dzinogona kupa mari yakawanda yekushandisa.
Iwe unogona kuwana zvakawanda mushure mekubhadhara mutero wemari kana iwe uchishandisa nzira dzakanaka dzekuwana mari. Chinokosha kuve nechokwadi chekuti mari yako yekuwana inobatanidza mitero, Social Security, yako mafairo ekugoverwa, uye mabhuku ako ekurega. Imwe nzira yakakura yokurasikirwa mari inotarisa kuti zvinhu izvi zvinogona kushanda sei pamwe chete, pane kutarisa pane imwe sarudzo iri oga.
Pane zvinhu zvitatu zvinokosha zvaunofungidzirwa paunenge wakaisa nzira yekuwana mari.
Iwe unofanirwa kutarisa kuti imwe neimwe yezvinhu zviri pasi apa inogona kurongedzwa sei kuti ipe mari yakawanda yekurega basa iwe.
1. Nzira dzekuchengetedzwa kwehupfumi hwevanhu
Vanhu vazhinji vanounganidza Social Security mazano pasina kufunga nezvekukosha kwechokwadi kwezvipo izvi. Unoziva here kuti pane dzimwe nguva Social Social Security yako inokosha kudarika $ 500,000? Iwe ungaita sarudzo inenge madhora mazana mashanu pasina tsananguro yekutanga here? Handidi tariro.
Pane nzira dzaungashandisa kuti uwedzere huwandu hwekuwana mari yaunowana kubva kune Social Security mazano. Iyi nzira dzekuchengetedzwa kwehupfumi hwevanhu mune zvehupfumi ndeyezvinokosha kune vakaroorana vanoshandisa murume nemudzimai kubatsirwa.
Zvakanakisisa kushandisa Social Security calculator kuti uwedzere mararamiro ehupfumi ehupfumi hwehupfumi hwevanhu, uye iwe unofanirwa kuongorora uye kuronga kuti hutano hwako Social Security huchabhadhara sei, uye kuti yako Social Security inokumbira chisarudzo ichakanganisa sei chikamu chekuteverwa kwemutero iwe uchava nemakore ako ose ekurega basa.
2. Nzira dzekuwana mari yekuderedza mitero
Apo pavanokurudzira hurongwa hwekubvisa mari, vanhu vazhinji vanokanganwa nezvemigumisiro yemitero mukurasira. Havaziviwo kuti Social Security inobhadharwa sei uye inobhadhara mitero inoshandiswa sei kana iwe uchibvisa mari kubva pamabhadharo ekurega mari, tanga zvigadziro zvako zvakaderera, shandura mamiriro ako emutero wekutengesa, kana kubhadhara chikwereti.
Kana yako kurongedza izvi zvisarudzo, zvinoguma mune zvakawanda zviripo mushure mekubhadhara mari yako. Sezvo iwe uri pedyo nekurasikirwa zvakakosha kuti uite zvakanyatsorongwa mutero. Iwe unoda kuva nemari yekutevedza mitero yekuchengetedza mavhesi asati aperesa mari . Iwe unoda kuongorora kukosha kwekutora IRA kuregera mberi uye kutora Social Security mushure mekutsvaga kutora Social Security pakutanga uye kutora IRA kuregererwa gare gare. Kusvika pamisarudzo iyi nenzira inofungisisa kunogona kuwedzera yako mushure mekubhadhara mari yemari.
Chinhu chinoshamisa pamusoro pesarudzo yekuwana mari inosanganisira mitero ndeyokuti haina chokuita nemari yaunosarudza. Chero ani zvake anovandudza mazano ekugadzirisa achishandisa chete kusarudzwa kwekutsvaga mari ari kuita kukanganisa kukuru. Mitero inokosha.
3. Kugovera nekugoverwa Mazano ekuwana
Chikamu chekupedzisira chegadziriro yekuwana mari iri kusarudza mashizha. Izvi zvinofanira kuitika mushure mekukudziridza urongwa hwekuchengetedzwa kwehupfumi hwevanhu uye hurongwa hunotarisa iwe mushure mekubhadhara mutero. Kana imwe nguva urongwa hwako huripo, unogona kutanga kutarisa kusarudzwa kwekutsvaga kwekutsvaga kunobudisa rudzi rwemari yaunoda.
Chimwe chezvinhu zvinofanira kufungidzirwa ndezviyero zvekuwana mari yakatarwa iwe uchaenzanidza nehuwandu hwekushandiswa kwemari yaunenge uine.
Iwewo unofanirwa kuongorora kuti nhoroondo dzipi dzinoisa hurairi hupi umo kuitira kuti mugumisiro uwedzere kubhadhara mutero.
Kubvisa kubva kumabhadharo ekurega mari hazvirevi kutengesa zvakafanana. Mari yekubhadhara mari haisi yose inotererwa nenzira imwe chete. Zvinogona kunge zvakakunakira kuisa mamwe marudzi ekutsvaga mari mukati meRoth IRA yako, iyo inowedzera musero-isina mvumo uye kuregererwa kusingabhadhara mutero, uye mamwe marudzi ekutsvaga mune mamwe maakaiti, pane kuva nebhuku rimwe nerimwe sarudzo seyayo yakaenzana nepodhifiyoti .
Iwewo unoda kuziva kuti ndeipi nguva yekutora zvitsva kubva kune zvikwereti kuitira kuti iwe ugone kuunza nzira yekuwana mari inofananidzwa nemari yako yekutengesa kune zvaunotarisirwa kubuda kwemari.
Pane imwe nguva urongwa huripo, unogona kutanga kuongorora zvikwereti zvakasara zvekurega mari kuti uone kana zvakakodzera iwe.
Mazano Akaipa Okuwana
Kupfura kwemapurani nemari yako yekusasiya mari yakaipa.
Nzira ipi neipi yekuwana mari iyo inosanganisira ngozi yakawanda inogona kuguma kukusiya usina mari. Ndakatarisa vanhu vakawanda kwazvo vanorasikirwa nezvose zvavo mari yekurega mari nekutsvaka "chinhu chaicho". Kana paine ruzivo rwakanaka rwekuwana mari, hapana chinoparadza nzira yakasiyana-siyana.