Nzira dzakanakisisa dzemakambani ekubhadhara mari
Zvisinei, mamiriro ose ega ane mamwe mazano anowirirana muhutano wekutsvaga uye kuchengetedza zvido. Semuenzaniso, vanhu vari mubasa rekugara muhurumende vanowanzova panguva iyo vari kutora kubva kuhupenyu hwavo hwekuchengetedza, pane kuwedzera kune iyo.
Uyewo, semakore anotungamirira kumararamiro, vashandirwi vanofanira kungwarira kuti vasarudze mari dzakanakisisa dzezvidikanwi zvavo. Zvisinei, mukurasira, izvi zvikwereti hazvisi zvakawanda zvekukura sezvinoitwa kuchengetedza uye mari.
Nokudaro kuisa mari pakubhadhara mari inoshandiswa pakuita basa asi inogona kuitwa kubudirire kana zvimwe pfungwa huru dzichiyeukwa uye nzira dzakanaka dzinoshandiswa. Izvo zvakanakisisa mari inobhadharwa muhutano ndeye iyo inogona kuramba ichifambidzana nekutengesa kwezvinhu asi inoramba iine ngozi kune zvishoma zvishoma apo ichipa chiyero chekudzoka icho chinogona kuvimbisa huwandu hwakanyanya hwokuti mari yako inogara kwenguva refu kupfuura iwe.
Mashandisiro Aungaita 4 Mazana Emitemo Yekutora Imari
Usati wapinda mubasa rekushandira iwe uchada kuronga kuti uende. Mutemo mukuru wegunwe ndewokutanga nekukura kwe 4.00%. Semuenzaniso, kana iwe uchida $ 40,000 pagore kubva kubhuku rako rekushandira mari (s) kupa kana kuwedzera mari, iwe unoda kutanga kwepodfolio yemari ye $ 1 000,000 (40,000 4% ye1 000 000).
Mutemo we4% unoitawo mamwe mafungiro pamusoro pehuwandu hwemari yekudzoka uye kutengesa kwezvinhu uye inoratidza kuti 4% kuregererwa kwekutengesa kunogona kupa hutori hwepamusoro hunoita kuti mari yavo yekubvisa mari yepamusoro isaregere kusvika kune imwe nguva muupenyu hwavo, kunyanya kufungidzira kuve Makore makumi matatu kubva pakutanga kwekurega basa.
Kutevera mamiriyoni $ 1 mamiriyoni ari pamusoro apa, kusunungurwa kunobvisa $ 40,000 mugore rimwe rekurega basa. Kana kugadzirisa kwavo kwegore negore kuwedzera kwaive 3% pagore, vaizobvisa $ 41 200 ($ 40,000 + 3% kana $ 40,000 + $ 1,200). Mugore rechitatu, retiree yaizowedzera 3% kusvika $ 41,200 uye saizvozvo ...
Tsvaga Mari Yakanakisisa Yokubhadhara Chikwereti
Imwe mari inobatanidza mari, inowanzoitwa se "mari yekubhadharwa mari" kana "mari yekugadziriswa mari," yakagadzirirwa nekusununguka mupfungwa. Nenzira yakawanda, mari yakanakisisa yekurasikirwa mari ine chinangwa chikuru chinoenzanisa kuchengetedza kwezvinhu, mari, uye kukura, zvakakosha mune izvi. Semuenzaniso, chinonyanya kukosha ndechokuwana mararamiro akanaka (pamusoro pezero muzana); chinhu chechipiri chekutanga ndechokuwana kudzoka kana pamusoro pekuwedzera kwekutengesa; uye zvakanyanya kupfuura, izvo zvisiri "chinangwa", ndiko kukura zvinhu. Izvi ndezvokuti kukura zvakanyanya kupfuura chiyero chekutengesa kwezvinhu kunoda kuti zviwedzere kutengesa kumusika wekutengesa, izvo zvinowedzera matambudziko ekurasika kwevakuru.
Mienzaniso yekubhadhara mari inobhadhara mari inosanganisira Vanguard Gwaro Rokubhadhara Rakabhadharwa (Investment Fund) Rudzi rwekugoverana (VPDFX), iyo inofanirwa kutarisana nenjodzi, uye Fidelity Freedom Income Fund (FFFAX), iyo inofanirwa nehuwandu hwehuwandu hwehutano.
Kunyangwe kushanda kwekare kusati kwambova chivimbo chemigumisiro yemangwana, mari yose iyo yakafambisa kwenguva refu inodzoka kana kupfuura inopfuura 4.00% yevheji pamusangano wegore.
Kuisa mari muZviranho Mari
Kufanana nemari yekusarura mari, mari yakaenzana mari inobatanidza mari iyo inopa kusanganiswa (kana kuenzanisa) kwepasi pekushandisa mari, zvakadai sematokisi, zvisungo, uye mari.
Iyo inonziwo hybrid funds kana asset allocation funds, iyo inoshandiswa inosara inoramba ichigadziriswa uye inoshandisa chinangwa chakataurwa kana kuti mari yekutsvaga. Semuenzaniso, mari yekuchengetedza yakawanda inogona kuisa mukana wekuchengetedza kwezvinhu zvakasara zvekutsvaga mari, zvakadai se40% mashomanana, 50% zvisungo uye 10% yemari yemusika. Iwe unogonawo kuwana mari yakaenzana iyo inonyoresa (midzi yepakati) kana utsinye (yakanyanya ngozi) inokodzera zvaunoda.
Kuzviisa Muzvikwereti Zvakagadziriswa Mari
Pakuvaka purojekti yemari imwe neimwe, izwi rakagadziriswa mari inowanzoreva chikamu chemufotoreti chinoshandisa mari isinganyanyi kutengesa mumusika uye inobhadhara chikwereti kumutengesi kuitira zvinangwa zvekuwana mari.
Pfungwa yose yekusagadziriswa kwemari yekutsvaga mari ndeyekugadzirisa kudzoka kwakasimba uye kunofanirwa.
Sezvo iyo yakawanda yakagadziriswa mari yekuwana mari ndeyekugadzira mari inotendwa yemari, mari yekutengesa inogona kusanganisira mari yekutengeserana mari , mari yemari yemakethe, Zvitatimiti zveDhipatimendi (CDs) uye / kana marudzi akasiyana e annuities yeiyo yakagadzirirwa chikamu chikamu chepodfolio yako.
Chikamu-Kubhadhara Stock Mutual Funds
Imari inoumbwa nezvakawanda kupfuura kungogadziriswa mari yezvisungo uye mari yezvisungo. Mari inowirirana iyo inowedzera mukambani inobhadhara chikwereti inogona kuva chikamu chemahofisi ekuchengetedza mari. Zvikamu zvinogona kugamuchirwa senzvimbo yekuwana mari kana kuti inogona kushandiswa kutenga mamwe mashomanana ehurumende yehurumende. Vazhinji vatengesi vanotenga chikamu chekubatana mari vanowanzotsvaka mutsva wekuwana mari, izvo zvinoreva kuti mubhadhari angada mari yakakwana uye yakavimbika kubva kune mutero wekugadzirisa mari.
Nzira iri nyore yekuisa mari muzvikwereti zvakabhadharwa nemari pamwe chete ndeyekushandisa mutual fund, yakadai seT. Rowe Price Dividend Growth (PRDGX), kana Exchange Exchange Fund (ETF), yakadai seSSPDR S & P 500 Chikamu ETF ( SDY).
Mashandisiro Aungaita Mari Market Funds muRussia
Mari yemusika mari haigone kupa zvibereko zvakakura asi inogona kuva chikamu chinokosha chekubvisa mari yekubvisa mari. Iwe unogona kushandisa mari yemusika sarudzo yakapiwa nekambani yekutengeserana kana mutual fund kambani inobata kambani yako yekusarura (s). Iwe unogona kutengesa maitirwo akanakisa pane webhusaiti seBhangerate.com. Kazhinji, zvakanakisisa kushandisa mari yemashamba emari mari yemari inotengesa, zvakadai sekubhadhara mari dzekodha, uye misika yemari inotengesa kumabhadharekemu emitero, zvakadai seIRAs. Izvi zvinonyanya kuitika kune vanhu vari pakakwirira mabheji.
Nzira uye Nini Yokuvaka Dhadhiyo yeCD
A 'CD Ladder' isarudzo yekuchengetedza apo muponesi kana muzvinabhizimusi anotenga Zvitatimiti zveDhipatimendi (CDs) mukuwedzera kwenguva. Kufanana nedhora-mari inoshandiswa nematokari uye mutengo wemari, mutengesi, somuenzaniso, achatenga yakagadziridzwa mari inowanikwa pamwedzi kana pamwedzi. Dhigirii reCD rinongonzwika: Muchengeti "anovaka" mazera eCD imwechete panguva imwe nokutenga maCD nguva dzose uye nguva nenguva pane nguva yakarongwa.
Nguva yakanakisisa yekushandisa CD yakatarisa ndeye apo chikwata chekudarika chiri pasi uye chinotarisirwa kuti chimuke munguva yemberi iri pedyo. Semuenzaniso, mutengesi weCD haafaniri kusungira zvose zvavanochengetera mune imwe CD yakaderera kwenguva refu. Kana zvikwereti zvinotarisirwa kukwidza mutengesi weCD zvichakwanisa kuvandudza pamatunhu akakwirira sezvo mumwe nomumwe CD ari 'mumakero' anokura.
Nzira Yokuvaka Yako Pepodfolio
Kuvaka purofisi yako yemari yekubhadhara mari yakafanana nekuvaka chikwereti pane chimwe chikonzero chimwe: Unofanirwa kuve nekusanganiswa kwakasiyana kwemari yakasiyana-siyana iyo inogonawo kuzadzisa chinangwa chako chekutsvaga mari, icho chinoita kuti kuchinjwa kuite basa uye yekupedzisira kwemakore akawanda kutevera. Funga kushandisa Core neStart Portfolio structure, iyo inowedzera zvakapoteredza kubata kwepakati, sekubhadhara mari yekubvisa mari, mari yakarongeka kana mari yekuenzanisa. Nheyo yacho inogona kureva chikamu chikuru, chakadai se 30% kana 40% yehuwandu hwepodfolio yako. Iwe unogona kuwedzerawo kutsigira "satellites," iyo inogona kureva 5% kusvika 10% imwe neimwe.
Kurapa Kwemitero Mazano Okurasikirwa Kuchengetedza
Munowanzo, kana iwe unotarisira kuva mune imwe yepamusoro yebhasikiti yemutero mukurasira, Roth IRA inonyanya kunaka. Kana iwe unotarisira kuva mubhaketi shoma shoma, iyo inowanzoshambadza, tsika dzeIRA dzakanakisisa. Kana iwe uchange uri mubhakoni imwe yemitero, hazvina basa kuti iwe unoshandisa ani. Unogonawo kufunga nezvekushandisa kambani yenguva dzose yekutengesa seimwe sarudzo. Iwe unogonawo kushandisa kusanganiswa kwezvinhu zvitatu uye usakanganwa nezve 401 yako (k)! Pamusoro pezvose, kuziva iyo federal tax bracket iwe uchange uripo pakutanga kwekurasikirwa ichava dambudziko rako guru. Zvinokoshawo kuti uve nenzvimbo yakanakisisa yenzvimbo (kuziva kuti nhoroondo ipi yakanakisisa kana yakaipa kune mamwe marudzi ehurumende yemari).
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.