Izvi zvinoreva kuti mugumo wekumusimudzi wega wega wega wakasiyana nekuti munhu wose ane zvinangwa zvehupenyu zvakasiyana, zvinangwa, uye zvirongwa.
Vamwe vanhu vanonyatsoda chimwe chinhu kunze kwemaawa mashoma pamusana pegomo, ganda regivha, pfuti yokuvhima, imbwa yakatendeka, uye bhuku rakanaka rokuverenga paberere.
Vamwe vanoda motokari dzinotsvaga, dzimba dzemhenderekedzo dzegungwa, maziso ekudhura, uye mari yekuvimba yakazara nezvinhu zvakawanda, zvisungo , mari pamwe chete , uye zvivako zveimba , vazukuru vavo havazofaniri kunetseka pamusoro pechinhu chipi nechipi.
Usambove Wakawana Chimwe Chinhu Iwe Haunzwisisi
Kana pane mutemo mumwe chete unogona kuchengetedza zvizhinji zvemari yepfungwa ingadai iri iyi: Usatenga kana kubata chimwe chinhu chausingakwanise kutsanangurira chikwereti chechikoro chetatu muzvirevo zvitatu kana zvishoma - kuti zvinogadzirisa sei mari , izvo zvingangodaro zvingava, uye kuti mari inowana sei nzira yacho mumaoko ako. Izvi zvinonzwika zvakajeka - uye-asi vanhu vashomanana vanoita sevari kutevera.
Nguva iyo mhomwe yemombe inotanga kuenda kune imwe nzvimbo, zvisingaiti vanhu vanonzwisisa zvakakwana avo vane pfungwa yakakwana yekuti vasapinda mumvura pasina musambura kamwe vanoiwana mumisoro yavo ivo vanofanira kunge vari kutenga zvakasungirwa zvikwereti zvikwereti , kunyange zvazvo vasingagoni kukuudza izvo zvavari.
Kana kuregera mari yavo yakachengeteka mari uye kuisa swadzi dzekutengesera, kunyange vasingakwanisi kutsanangura kuti vanoita sei.
Unoziva here musiyano pakati pekugovana kwechitoro uye tenzi wekambani kubatana ? Aihwa? Saka usatenga MLPs kuburikidza nemutengesi wako. Zvinotarisa sematokari, kutengesa sematokari, asi chaizvoizvo hausi matanda.
Iwe unogona kunge uri mune zvisingafadzi mutero unoshamisika kana uchitanga kuunganidza kwavari usingazivi zvauri kuita. Unoziva here kuti mari yakasarudzwa yakasiyana sei neyese inoshandiswa uye kusungirwa kwekambani? Aihwa? Ipapo usatenge.
Izvo zvinoenda kune zvinhu zvose kubva kugoverwa zvayo kusvika kuReits . Pane nguva yakawanda yekudzidza pamusoro pezvivimbiso izvi uye iwe unogona kugara uchizvitenga mangwana. Kuramba pamberi pako wakagadzirira, kunyatsoruzivo, uye kuziva nezvekukuvadza kwakafanana neusingaiti-kushambira kusarudza kupiwa kwake kwekutanga mudiva rinofanira kubva kubva pakakwirira dive yeimba yeOlympic. Zvichida hazvizoperi zvakanaka uye kana zvichiti, inyanzvi, kwete unyanzvi.
Zvidzivirire Pamusoro Pokutsika Nokushingaira Kuita Ngozi
Ngozi inogara iripo kana uchitarisira mari yako nekuisa mari zvakanaka zvinoda kuti iwe uremekedze panguva imwecheteyo uchidzideredza . Kana iwe usingaiti, iwe unogona kupedza makore, zvichida kunyange makumi emakore kana hupenyu hwose, hwekuchengetedza; kuchengetedza kwawakaita chikamu chehupenyu hwako tarisiro (chaizvoizvo - iwe wakatengesa maawa ehupenyu hwako uchichinjana nemari iyo; maawa iwe ungadai wakagara kugungwa, kunyora romana, kudzidza kudzidza kupeta, kuenda kumhenderekedzo yeFlorida , kana kutevera chido chako chaunofarira).
Kune mhando dzakasiyana dzekutsvaga kwekutsvaga : kutengesa mari , kutengesa kwezvokutengeserana , kushambadzirwa kwekambani, kukonzerana kwekambani uye ngozi yekunyengera.
Kuenderera mberi uye mberi kuri kuenda. Ichi ndicho chimwe chezvikonzero nei zvakakosha kuisa pfungwa panzvimbo dzekudzoka kwakakwana, asi pamatambudziko -akachinjwa kudzoka ; kuti ushingaira, nguva dzose, edza kuderedza dambudziko .
Kune vashandi vakawanda, dhora rinodhura zvakasiyana-siyana mumapuritoriko akasiyana-siyana kwemakumi emakumi emakore, nhamba, inonyanya kubudirira nzira yekuderedza zvikuru njodzi dzemhando dzose . Vakaroorana izvi nemari yakawanda mari inochengetedza hurumende pamusana pokurasikirwa nebasa, kuderedza mutengo, kugadziriswa kwemusika kana kugumburwa, njodzi chaiyo, kana mamwe mamiriro asina kutarisirwa uye iwe uri munzira yakarurama.
Izvi zvingaita sendiri-intuitive asi vatengesi vemafumi vari kunyanya kufungidzirwa nekuchengetedza mari yakawanda yemari. Pamhuri 115,610,216 muUnited States, inofungidzirwa 1,821 745 ine mahofisi ekutsvaga mari inokosha kudarika madhora 3 000 000 uye yakawanda yemari iyi yakamira mumagetsi.
Iwe unofunga kuti vapfumi vanogona kutenga zvigadziriswa pazvinhu zvisingabatsiri kana zvinhu zvose zvichienda kumaodzanyemba here?
Zvichida hakuna munhu anojekesa pfungwa iyi zviri nani kupfuura mubhadhari weBillionaire Warren Buffett . Kambani yake yakabatanidzwa, Berkshire Hathaway , ine inofungidzirwa $ 60 mabhiriyoni mumari uye mari yakaenzana yakave yakagara pazeri . Anowedzera mari, dzimwe nguva kwemakore pakupedzisira - pane nguva yakareba yakawanda yema1980, chaizvoizvo, paasina kutenga kamwechete zvachose-achimirira mukana wakakodzera wekutora mabhizimisi anoshamisa aanozogara kwemakumi emakore.
Tora Kubatsira kweSimba reMakondomu Inofanirwa Sokutanga Sezvinogona
Kuisa mazano nokungwara kunoreva kushanda nesimba rekugadzira chikwata . Muduku iwe unotanga, zviri nyore kuti uwane hutengo hwechirasi. Mumwe mudzidzi wekoroji anoponesa $ 111 chete pamubhadharo, kuburikidza nemuenzaniso, anogona kuguma ne $ 4 426,000. Ichi ndicho chimwe chezvikonzero nei zviri nyore kuti vapfumi vave vakapfuma: Paunotanga chikamu chezvitendi chevana vako kana vazukuru, vanozobatsirwa nekurarama kwenguva yakawanda, vachitarisa mari yavo ichikura muchikoro chesekondari. Makore aya akawedzerwa anoshamisa maererano nemigumisiro yekupedzisira.
Zvichida muenzaniso chaiwo wemasvomhu unogona kubatsira. Tichashandisa imwe nguva kukosha kwemari mazano . Fungidzira kune vanhu vatatu-Samueri, Abhigairi, naDaisy.
- Samueri anotanga hupenyu pasina hutano, haaponesedzi makore makumi maviri uye makumi matatu. Asi anotanga kuita mari yakawanda panguva yaanova nemakore 45, panguva iyo anobva atanga kuisa $ 5,000 pamwedzi pakarepo. Achifunga kuti avhareji yemari yekudzoka pamari yake, anoguma ne $ 3 436 500 mushure mekodzero nenguva yaanobvisa.
- Abhigairi anotanga hupenyu pasina mari yekusimwa asi aigara achida nezvemari yemari uye mari. Ari nemakore 18, anosarudza kuisa $ 100 pavhiki. Anogadzirisa tsika iyi muupenyu hwake hwose uye haana kumbowedzera chiyero nehuwandu hwemari, zvichireva kuti zvishoma nezvishoma zvakava nyore uye zviri nyore kubhadhara. Achifunga kuti avhareji yemari yekudzoka pamari yake, anoguma ne $ 4,534 269 pamberi pemitero nenguva yaanobvisa.
- Daisy anoberekwa uye kubva pamhepo yokutanga inotora, vabereki vake vanoisa $ 25 pavhiki pamusana pemari yake. Iyi tsika inochengetwa muupenyu hwake hwose, uye haitombowedzerwi nehutsika. Achifunga kuti avhareji yemari yekudzoka pamari yake, anoguma ne $ 6,361,819 panguva yaanobvisa.
Kana iwe uchida kuziva kuti ungapfuma sei , pane chakavanzika: Ungaisa mari yakawanda kushanda, rega itishande kwenguva yakareba, kana, zvakanaka, zvose.
Saronga Zvaunobata uye Uve Nenzira Inokubvumira Kuderedza Mitero
Sezvo uone kuti simba rakakura sei riri muchikamu chekupedzisira, iwe unoona kuti dhora rose rinofanirwa nemamwe madhora akawanda emangwana kana akachenjera akachengetwa . Kana iwe uchiwedzera kuchengetedza pamitero, mari yakawanda yawakashandira iwe. Dzidza kuti ungashandisa sei zvakaderedzwa mutero wemhosva .
Ratidza kuti ungashandisa sei Roth IRA , iyo inonyanya kukosha kumusha wakakwana wematoro varombo uye mapoka mapoka vangangodaro vawana. Itai kuti mhuri yenyu isarudze maitiro ayo kuitira kuti zvinyorwa zvitsva zvigone kutorwa zvakanaka kana pafa. Shandisa nzira yekuisa mararamiro ekugadzirisa mitero. Fomu yemhuri yakabatana kudyidzana kuti ishandise pfuma kuburikidza nehuwandu hwekutengeserana kusvika kumadhorosa emitero.
Usatengesa pamitero yako, usaswedera pedo kumucheto wemitsara, asi zvechokwadi ushandise mari yose iyo Congress yakakupa iwe pasi pemutemo. Vamiriri vako vakasarudzwa vakavaisa ipapo nekuda kwechikonzero uye vachifungidzira kuti iwe uchazvishandira pachavo saka taura namazano ako kuti uone kuti chii chaunoshaya.
Chengetedza Mari Yako
Dzimwe nguva, mari inogona kuve yakakodzera. Nokuti mamwe mhando yakakosha inokosha kune vanhu, kunyanya nezvido zvakaoma (vanoti iwe wakashanda nekambani ye Fortune 500 uye wakaguma uchinge uchinge wakagadziriswa chikwata chesaiti yakakosheswa iwe unofanirwa kuigadzirisa nenzira yakarongeka, nekuderedza mitero uye kudzivirirwa pakurwiswa kwekunze kwekambani ), bhizimusi rega rega kana mubhadhari wekubvisa mabhadharo akanyora kubhadhara mari ye1% kana 2% inogona kuve yakakodzera kukosha kwayo mugoridhe, yakanyanya kudarika chikamu chingave chakachengetedzwa pamwe nekuedza kuzviita iwe pachako.
Kugadzirisa chikwereti chinoshandisa chimwe chinhu chakaita sechipo chinosara chekuvimba chega chingabhadhara pachako mumutero wekuchengetwa kwemari akawanda, kakawanda pamusoro. Kugadzirisa izvo zvinonzi QTIP kuvimbiswa inoita kuti vana kubva kumhuri yekutanga vasati vaine chinangwa kana kuti nechokuita nechokuita nemurume wechipiri (kana wechina) kana mudzimai wekupedzisira achiri kugoverwa panguva yakasara yehupenyu hwake inokosha.
Kune zvizhinji zvemamiriro ezvinhu umo iyo mari yaunofarira munhu wose anoda kuininira ndiyo mari yakanakisisa yaunogona kushandisa, kana yakabatanidzwa kune yakawanda service service. Real estate developer? Unogona kuwana ruzivo rwekubhadhara mari iri nani pamapurojekiti ako nekuve chikamu cheboka revatengi rega rega, mari yaunobhadhara paunotendesa uye pfuma yepodfolio yako yakasvibiswa nemari yekuchengetedza kune chikwereti.
Mwanakomana wako ari kuyaruka akawana pangozi, iwe uri kunze kwenyika, uye iwe unoda mumwe munhu kuti amubvise kunze kwejeri pakati peusiku? Muchena wako wepfuma yega pfuma yekuchengetedzwa kwekambani inogona kukuitira iwe asi yakasimba seVanguard zvirokwazvo haigoni. Icho ndicho chekutengeswa. Iwe unofanirwa kutarisa mufananidzo wose. Uri kuitei? Market inodzoka haisi iyo chete inoshandiswa. Basa, kuderedza njodzi, kuwanika, kuwedzerwa zvipo zvinogadzirwa, uye rubatsiro rwepachivande zvose zviri mumenyu.
Izvozvo zvakati, kune vashandi vakawanda vashoma uye vari pakati, izvi hazvisi basa. Havasi kuzova nepfuma yakawanda, uye havadi kuoma zvakakwana, kutarisira nezvehuwandu hwebasa uye zvigaro. Hakuna mavara emafuta ekusimbisa kana kutarisa kumashure pane dzimwe nhengo kuita. Nenzira iyo, inodhura nyaya uye mari yaunoda kubhadhara zvakanyanya inosanganisira iyo mutual fund expense ratio .
Kune vazhinji, izvi zvinoreva kusarudza chimwe chinhu chakadai sechinodhura-mari, chinyorwa chinotarisirwa chekuchengetedza chikwereti kubva kumatare akafanana neVanguard inotaurwa pamusoro apa. Kune vamwe, zvichatsvitsa kudivi rekutsvaga rokutengesa rekubhadhara $ 10 kana kuti pasi pekutengeserana panzvimbo yebhandi rezvigaro rinotarisa $ 150 mutemo wekutengeserana kwakafanana.