Shift inowanikwa mubereko kumakosheni ekurega mari yekuderedza mari inoshandiswa
- Iyo inofarira kuburitsa majeko emitero mukati mekusabhadhara mitero-isina uye mitero-inoderedzwa yekubvisa mari.
- Izvo pfuma inowanikwa uye inowanikwa chikamu chekuita zviwanikwa kunze kwemakabheti ekurega mari.
Iyi nzira yekusarudza kuti ndeapi mazamu eakazvipa iyo iyo inowanikwa mune inonzi nzvimbo yefa.
Sei kuchinja kushandiswa kwekutsvaga mari kunoderedza mari inoshandiswa?
Pane zvikonzero zvakasiyana-siyana kuti mazano emunharaunda anobatsira kuderedza mari inowanikwa.
- Mari inobhadhara uye nguva shoma shoma inowanikwa inokweretwa pamutengo wakakwirira kudarika nguva yakareba inowanikwa kubudirira uye inowanikwa chikamu chemari.
- Mari inowanikwa uye inowanikwa nguva shoma inowanikwa mukati mekambani yekubvisa mari haina kuzivikanwa semari inokwereta iwe gore roga roga. Nguva bedzi iwe unoti kubhadhara mari inoshandiswa kubva kubhuku rekusununguka ndeye paunotora kubvisa. (Kurongedza uye kuwedzerwa kana zvakaitwa zvakanaka hazvirevi sekuregera.)
- Kana uine kunze kwekambani dzekubvisa mari, zviwanikwa zvinorasikirwa zvinogona kutengeswa kuti zvive nehupfumi huripo huchagadzirisa zvimwe zvikwereti. Iwe haugone kubudisa kurasikirwa kwekutsvaga kubva kumarima apo ivo vari mavo mukati memakambani ekurega mari.
- Kana iwe uine zvikwereti zvinowedzera zvikwereti zvakakosha uye nguva yakareba inowanikwa mubhadharo mukati mekodhi-yakasimwa makambani ekurega mari, iwe hauna kuwana mukana webhasiro yepamusoro yehutori kune rudzi urwu rwekutsvaga mari, sezvo zvose zvinobviswa kubva kumitero yakasimwa mari yekusimwa inotererwa pamutero wako wekubhadhara mari.
Pasi pane muenzaniso wakareruka unoratidza mumwe munhu ane mugove wekugoverwa kwemazana makumi mashanu emashesi / stock mutual funds uye 50% zvisungo / CD. Muchiitiko ichi, ivo vane matanda ose / mari yekubatana mari muIRA yavo, nezvose zvavanobatanidza / maCD mune zvisingabhadhara mari.
Icho chirevo chakareruka chekuti nzvimbo yekunzvimbo inoderedza sei musayiti wenyu wemutero
Nzvimbo yeChirongwa chekutanga - Haisi-mutero unonyatsogadzirisa chikwereti:
- Nhoroondo yeIRA: $ 100,000 mumatokari / mari yekutengeserana mari.
- Non-Retirement Account: $ 100,000 muzvisungo / CD zvinobvumirana pavhareji 5% (Ahhh, haunoshuvi kwemazuva apo maCD aibhadhara 5%?)
-This $ 100,000 iri kuunza $ 5,000 yemari inotengesa inoshandiswa iyo inoyerera kusvika kumutero wako wekudzokera gore negore. Unofanira kubhadhara mutero pa $ 5,000.
Nzvimbo Yechipiri 2 - Mutero wepamusoro wepafeji:
- Nhoroondo yeIRA: $ 100 000 muzvisungo kana maCD anopa paavhareji 5%.
-Zvino, hapana mari inotengesa inoshushwa gore roga rega, kunze kwekuti iwe ukasarudza kutora zvitsva kubva kuIta yako yeARA. - Non-Retirement Account: $ 100,000 mumatokari / mari yekutengeserana mari.
-Kuwana mari yeCapital inofanira kuonekwa gore rega rega, asi ikozvino kana pane kurasikirwa kunogona kushandiswa kukanganisa mari inowanikwa. Pakawanda, unogona kutarisira madhora 3 000 ehuwandu hwemakore akawanda ehupfumi / zvikwereti zvinokwana $ 100k inotengeswa mune guru-index index index.
-Long-term inowanikwa mari inokonzerwa nemutengo wakaderera pane mari inowanikwa, uye mune dzimwe nguva haibhadharwi mari.
-Ungashandisa passive index mari iyo inogona kuderedza zvakanyanya kupesana kwekuwana mari.
Funga kuti mumwe munhu ari mu 25% mutero bhatikiti. Muchikwata chekutanga, vaizobhadhara $ 1,250 pagore mumitero pa $ 5,000 yemari inowanikwa.
Mune chikamu chechipiri, $ 3,000 emakore akawanda ehealth cap gains / akakodzera zvikwereti zvaizobhadhara pa 15%, saka iwe unogona kubhadhara $ 450 chete pane zvaunowana.
Ndiyo $ 800 pagore rekuchengetedza - uye sezvo nhoroondo dzichikura huru, mari yekubhadhara mitero inowedzera.
Asi tarisira, chengetedza zvigadziro zvako zvakasarudzwa
Zvechokwadi, njere dzinonzwisisika dzinoti iwe haungasimiri mari yako yose isiri yekusimudza mari mumatanda / mamiriro ekutengeserana mari. Unofanirwa kuchengeta mari yakawanda yakachengetwa mumari inoshandiswa mune zvisingabhadhara rekodhi sechikwata chekukurumidza.
Mari yekuchengetedza mari / mari yekukurumidzira inowanzoiswa muzvinhu zvakadai semakwenzi emari, maCD uye zvimwe zvikwereti zvakachengeteka izvo zvichaita mari inotengesa.