Inobatsira Nzira dzekuita Kuti Mari Yako Ikubate
Izvozvo zvinoreva kuisa mari iyi, nenzira dzinobvumira kuti $ 10 000 kuti iwedzere kukoshesa, nokuda kwe "chishamiso chechikwata chinowanikwa."
Mune rimwe shoko, chidimbu chinowanzodiwa ndeyekudzoka kwako pamari yekutsvaga kubva pachiyero chepakutanga chiripo (munyaya iyi, $ 10 000), pamwe chete nemhando ipi zvayo yakatarwa yakawanikwa pamari.
Semuenzaniso, kana iwe ukasara $ 10 000 uye ukawana huwandu huwandu hwe8 muzana yekutsvaga, mushure megore rimwe mari yako yose kubva kune iyo inotengesa yakaenzana ne $ 10,800.
Hakusi mari yose inodzoka 8 muzana pane zvinovimbika, asi pane mikana yakawanda yekuita iyo $ 10 000 mumari inokura, nekuisa mari yacho kune inotevera inotengeswa:
Purogiramu Yako 401k (Kambani Yemakambani): Kuisa mari mukati mako 401k inogara iri pfungwa yakanaka, sezvo urongwa hwako hwekuwana 401k hukuru hunopa mari mumotokari yekutsvaga iyo inowanzopa kudzoka kwakanaka, sematokisi, zvisungo nemari. Kunyanya, kana kambani yako ichipa kambani yakasangana kusvika 6 kubva muzana yemipiro yako, iyo inokwana madhora 6 000 mune mari yekusununguka, saka nokukurumidza kuchinja $ 10 000 mu $ 16,000.
Iko Stock Market: Kwemakore 90 apfuura, muvhareji wegore rose wekudzoka kweS & P 500 index pamusoro pemakore 90 akapfuura ndeye 9,8 muzana-iyo inoita kuti mari yekutengesa ive bheji yakanaka.
Muna 2017 chete, S & P 500 yakadzoka 21.8 muzana. Kunyange zviitiko zvakapfuura hazvisi izvo zvinoratidza kushanda kwemazuva ano, zvinetso zvinemwi iwe paunenge uine mari mumatokari, zvichiita kuti misika yepamusoro ive nzvimbo yakanaka yekuisa mari iyo $ 10 000.
Real Estate: $ 10 000 hazviwanzokwanisi kuisa mari mumisika yematengesi, asi zvakakwana kuti iwe uende mune imwe nzvimbo yekutengesa mari yekutengesa (REIT) kana yeimba-themed exchange exchange fund (ETF).
NHEV uye zvikamu zviviri zveEFF zvinobatsira chero mupi wekuda mari, achisanganisira kukwirira kwepamusoro (ivo vari nyore kutengeswa mumisika yezvemari), kusiyana-siyana (mari yakawanda inosanganisira zvikwereti zvakasiyana-siyana zvezvivako zvezvivako), uye, zvichida zvakanakisisa, Unofanirwa kuita kuti maoko ako aite tsvina kana achigadzirisa imba, sezvinoita vanhu vatengesi vepfuma.
Isa muIRA: Rimwe rega rekusunungurwa kwekambani rinopa kuwanika kwakasimba kwemashamba uye yebhizimisi yemakethe kudzoka, pamwe chete nemitengo inobhadhara mitero. NeIRA's, iwe unowana kubhadhara mutero apo iwe unopa mupiro, asi iwe unofanira kubhadhara mitero paunotora mari kubva kuIRA yako mukurasira (apo iwe ungangodaro uri munharaunda yepamusoro.) Muna 2018, iyo yakawandisa chiyero iwe unogona kuisa muIRA iri $ 5,500 kuvanhu vari pasi pemakore makumi mashanu nemakore. Kana iwe uine makore anopfuura makumi mashanu, iwe unogona kuwedzera mari ye "catch-up" ye $ 1 000.
Vhura "R obo " Akaunti yeInvestment: Unongonzwa nezvemabhobhoti-based based investment? Izvozvo zvinonzi "robo ndiyo mhizha inoputika, uye inzvimbo yakanaka yekuisa iyo $ 10 000. Makambani eRobo-mazano seBricly and Wealthfront anoshandiswa zvikuru-uye anoshandisa basa guru rekutsvaga iwe, sekukubatsira kusarudza zvikwereti uye nguva nenguva kubatanidza rekodha yako, asi zvichikosha kuderedza mari yakakwirira iyo inowanzouya nekodha yemari yekutsvaga / yekwereti.
Shandisa iwe pachako: Misika yemari haisi iyo chete iwe unogona kuwana kudzoka kwakanaka pamari yako kubva kune $ 10,000 mari-kwete nepfuti refu. Iwe unogona kudzokera kuchikoro uye kuwana chikamu chechikwata, kana kutora zvidzidzo zvepaIndaneti, nokudaro kuwedzera kukosha kumabasa ako emabasa. Iwe unogonawo kuwana unyanzvi hwekugadzira (saivo sechirongwa chezvemari, chikwata chepamusoro-mukuru, kana sechikwata chekwereti yemutero) icho chingave chinotungamirira kune mari yakawanda uye mune mamwe maitiro ehutano kugutsikana.
Zviwanire kunze kweDhadhidha yeMari yeKadhi: Imwe nzira yekupedzisira yekushandisa $ 10 000 kune zvakakosha ndeyokubhadhara pasi chikwereti chikuru. Kubhadhara zviuru zvemadhora muchikwereti chikwereti chikwereti, iwe pachako, kunogona kubatsira kubhadhara chikwereti chako, kukanganisa kana kubvisa purogiramu yakawanda-inobhadhara (kusiya mari yakawanda muhomwe yako), uye kuwedzera mamwe mari mubhadharo yemhuri kana mutero wekubhadhara mwedzi wemwedzi haisisiri kutamba.
Izvo zvinoenda kune dzimwe mhando dzechikwereti chakakura, sevadzidzi vechikwereti kana zvikwereti. Muchidimbu, iwe chikwereti chaunenge uchibhadhara, nokukurumidza iwe uchange uine chikwereti pasina, uye uchibudirira zvikuru semugumisiro.
Iyi haisi nzira chete iwe unogona kuisa $ 10 000 kuti uite basa rako, asi zvose zvinofanira kunge zviri pamusoro pezvenyu. Kana iwe ukawana maoko ako pa $ 10 000, shandisa chero imwe motokari imwe chete, kana chero humwe humwe humwe pfungwa dzakasarudzwa, kutanga kutora mari yakawanda iwe.