Best Investment Strategies kuti Kuderedza Mitero
Kuderedza mitero ndeimwe yenzira dzakanakisisa dzekuwedzera mari yako yekutsvaga kwemari. Nokudaro, mutero wemaitiro wehutori ndewekukosha kwehutano hwakanaka hwekutsvaga.
Heano dzimwe dzedzimwe nzira dzakanakisisa dzekuderedza mitero pamutengo wemari:
Dzivisa Mucheka Sum Distributions
Kana mari yako yomubatanidzwa inowanikwa mune imwe nhoroondo yemutero, yakadai seIRA, 401 (k) kana Imisheni Yakachengetedzwa, unogona kudzivisa mutero mukuru wemitero kuburikidza nekuita rollover kana kutora kugovera kwako zviduku zvishoma, kupararira pamusoro anopfuura imwe yegore rakarenda.
Kana iwe uine 401 (k) uye usingadi mari ikozvino, iwe wakachenjera kuregerera mitero zvachose nekuendesa yako 401 (k) mari kune imwe sarudzo yakakodzera, yakadai seIRA. Kana uchida kubvisa mari nechikonzero chipi nechipi, unogona kungotora chero mari yaunoda kubva kuIRA yako, panzvimbo yekubhadhara mubhadharo rose, semuenzaniso wekodhi kugoverwa kubva kune 401 (k).
Chimbofunga muenzaniso uyu. Kana iwe ukabvisa mari kubva kumabhadharo e-taxerreder, iwe unowanzobhadhara mutero wemari (pamwe ne 10% yekutanga kubvisa chirango mune dzimwe nguva) uye iwe uri kukwereta pane yako yepamusoro federal mutero. Ngatitii mari yawakagamuchira (kubva kubasa rako) inokuisa mu 15% yemutero webhasikiti. Ngatitaurire zvakare kuti iwe uchakwira kusvika kune 25% yemutero wekutengesa kana mari yako inowedzera nemadhora anodarika $ 10,000. Kana uine 401 (k) mari ye $ 20,000 uye uchatora chikwereti chekugadzirisa mune rimwe gore rekarenda, kwete chete iwe pachako uchatora mutero pamutengo wose asi iwe uchabhadhara pahuwandu hwe25%, asi zvino 15% .
Asi kana iwe ukatora madhora gumi nemazana gumi nemazana maviri mugore razvino uye wakamirira kuti uwane mari inopfuura $ 10 000 mugore rinotevera, iwe unongodzokorodzwa nguva imwe neimwe pa 15% muzana (uchifunga kuti mari yako yawakagamuchira kubva mubasa rako inoramba iri yakafanana). Saka mitero yemari inowanikwa pa $ 20,000 pa25% ndeye $ 5,000. Asi mutero wehurumende pamadhora maviri e $ 10 000 mumakore akasiyana nemadhora makumi mashanu (15%) angave mutero webhadharo we $ 3,000 (kuchengetwa kwe $ 2,000)!
Iva Smart Pamusoro peNzvimbo yeNzvimbo
Kwete kuti urege kuvhiringidzwa nemari yekugoverwa , nzvimbo yenzvimbo isarudzo yekusarudza marudzi akakodzera e-akhawunti (kutsvaga nzvimbo yakanakisisa) yezvikwereti zvako. Mitero yakasiyana zvakanyanya mumatare emitero akaremberedzwa pane kuverengwa kwekodhadhi. Kutengesa mutengo wemari mune imwe nhoroondo yemutero, yakadai seIRA kana 401 (k), haizogadziri mari inowanikwa mubhadharo. Kutaura zvazviri, kutengesa mari hakuiti mitero zvachose (kunyange mamwe mari pamwe chete mari anogona kushanda). Uyewo mari kubva kune zvikamu hazvikwanisi kutererwa muIRAs kana 401 (k) s kusvikira yaregwa pane imwe nguva, zvakadai sokurega basa.
Mari dzinokonzera zvishoma pamitero inofanira kuitirwa mumarikiti yemarikiti uye mari pamwe chete iyo inogona kuunza mitero inofanira kuitwa mumatare ezvinyorwa zvakasarudzwa. Semuenzaniso, mubhuku rekweretheni, unogona kufunga nezvekushandisa mari inoshandiswa nemitero, yakadai semasisheni emari yebhadhiro kana mari inobhadhara zvishoma kana kuti hapana chikamu chekugoverana, zvakadai seSchange Traded Funds (ETF) , Index mari kana kuwedzera mari yemari.
P lan Pamberi Pamusoro peGuta Renyu KugoverwaMari inowirirana inofanirwa kuparadzira 95% yemari yakawana mari inowanikwa muzvikwereti zvavo kune avo vagovana vavo. Kuti vabatsire vatinhi vanogadzirira kuwana mari yekugoverwa, makambani ehurumende yezvemari inowanzotora kuwanikwa kwekuwana kugoverwa kuongororwa kubva munaOctober.
Izvi zvinowanikwa kugoverwa kwekugoverwa zvinogona kubatsira mutual fund investors (avo vane mari inobhadharwa mumabhadhareji) vanoronga mberi kwezuva remitero.
Ziva Sei uye Nenguva Yakawana Rini Kubhadhara Kurasika Kwemitero
Kana iwe uchitengesa mari yako yekutengesa mari yepamutengo wakakwirira kudarika iwe wakatenga iyo, iwe uchava nemari yakawanda. Kana iwe uchitengesa mari yako yebhadharo yakaderera kupfuura iwe wakatenga, iwe une kurasikirwa kukuru. Paunoshandisa kurasikirwa kukuru kwekugadzirisa mari inowanikwa muhomwe kana kuderedza mari yaunogara uchiita, uri kuita chimwe chinhu chinonzi kurasikirwa kwekodzero yekukohwa. Kana iwe uchiita mari yakawanda, iwe unogona kubhadhara mutero mukuru (kunze kwekuti kubhadhara kuri kuitika mumutero wekuteresa, zvakadai seIRA kana 401 (k)). Kunyange zvakadaro, kurasikirwa kukuru kunogona kukanganisa kuwana mari kana, kana pakanga pasina mari inowanikwa mukati megore remutero, unogona kushandisa kusvika ku $ 3,000 kuti uwedzere kuwana mari yako nguva dzose.
Kana kukanganisa kwakasvibiswa kudarika $ 3,000 mutyairi anogona kutakura mberi chero kurasikirwa kusingashandisi mumakore emangwana emitero.
Kurasikirwa kwemitero kunowanzogadzirisa gore rekutsvaga mazano asi mutengesi akachenjera acharangarira zvikwereti zvose zvekutenga uye kutengesa gore rose uye kuita sarudzo dzekutsvaga kwekutsvaga zvichibva pane zvinangwa zvekutsvaga, kwete iyo inotengeswa pamusika.
Dzidza kuti Mutual Fund Zvikwereti Ndezvipi Zvakatorwa
Zvakakosha kuziva kuti mutual fund shareholders inogona kubhadharwa pamari yezvikwereti, kunyange kana kugoverwa uku kuri kugamuchirwa nemari kana kuti kunowanikwa mune mamwe mashopu ehomwe. Uyezve, kune dzimwe nhesi-dzakatarirwa uye dzekodha-dzakabhadharwa nhoroondo, dzakadai seIRA, 401 (k) kana annuity, zvikwereti hazvibhadharwi kumusimari paanenge akachengetwa munhoroondo. Pane kudaro, mutero wacho achabhadhara mitero yemari pamitambo yekubvisa panguva yegore rinotengeswa kugovera (withdrawal) kunoitwa. Zvimwe mari pamwe chete, zvakadai seMasipala Bond Funds zvinogona kubhadhara mari kune vashandi vanobvumirwa kubva kune federal taxation.
Nezvekodhakodha dzekodha, dzakadai sedare rega rega uye rekubatanidza kubhadhara mari, mutual fund dividends inowanzobhadhara kana semari inowanikwa mari (taxed pamunhu mumwe chete mutero wekutambira) kana seyakakwanisa kuwana (inotengesa kusvika 15% muzinga wepamusoro). Zvinowanzopiwa uye zvikwereti zvinokonzerwa kune vashandi vemari vanobhadhara mari paFomu Form 1099-DIV . Pamusoro pezvinangwa zvekubhadhara mitero, mutero wevateresi (mubhadhadzi) achapa zvikamu paFomu 1040, Purogiramu B, uye Fomu 1040, mitsara 9a ne9b.
Ziva Nguva Yenguva Dudzikinuro
Zvakare, maererano nematareji, zvikamu zvinongotarisirwa chete nekatektaiti dzekodha, dzakadai sedare roga roga uye rekubatanidza kubhadharisa (kwete mari yakadzokorora, seIRAs, 401 (k) s kana mitero yakachengetedzwa nemitero). Kana iwe ukasarudza kuwedzera mari yekutengeserana iwe kune chikwereti chako chekutsvaga mari, kunyanya pakuguma kwemwedzi wegore, iwe ungaguma wagamuchira mubhadharo wemari. Izvi zvingava kukusimbiswa kwakakosha kudhipatimendi yako yekudzoka asi kana iwe usingashandisi mari chaiyo yekuwana mari, iwe ungasada kuwedzera mutero. Saizvozvowo, kana uri kufunga kutengesa chikamu chekubatanidza mari, iwe unogona kutengesa iyo zuva risati rasarudzwa risingaiti mutero.
Kuti urege kubhadhara mutero pane chikamu pamagumo egore, teerera kuEng-Dividend Date , iro ndiro zuva rokutanga umo vatengi vatsva vesitemo vasingagamuchiri chikamu. Zuva rino kazhinji mazuva maviri ekutengeserana isati yasvika muparidzi weRoti Date nokuti zvigadzirwa zvinogadzirisa mazuva matatu mushure mokutengeserana zuva (inonzi 'T + 3' nguva yekugadzirisa ye 'Zuva rekutengeserana pamwe nehatu').
Nokuda kwekunzwisisa kukuru, chero ani zvake weimba yacho musi iwoyo isati yaitwa ye-Ex-Dividend Date ichagamuchira chikamu. Nhasi zuva risati rasvika Ex-Dividend rinotumidzwa seIni-Dividend zuva. Somuenzaniso kana iyo Ex-Dividend Date yaive nhasi uye iwe wakatenga kana kutengesa zvikamu zvako nhasi, ungadai uchiri kuwana chikamu kunyange iwe uchichitengesa mangwana. Cherechedza: Mutengo wemugove wezvikwata unowanzopera pazuva reEx-Dividend nemari inokwana zvakaenzana negoveri yakabhadharwa nokuti chikamu chinoderera muzvinhu zvekambani uye mutengo wekugoverana ucharatidza izvi.
Shandisa Mitero-Yakakwana Mari
Mari inoshandisa mitero inobhadhara zvishoma kana zvisingabatsiri kana mari inowanikwa. Nokudaro, iwe unoda kuwana mutual fund types dzinofanidza chimiro ichi kana iwe uchida kuderedza mitero mune imwe nguva rekwereti yekwereti (uye kana chinangwa chako chekutsvaga mari chirikukura - kwete mari). Chokutanga, iwe unogona kubvisa mari iyo inowanzoita zvishoma (inoita mitero yakawanda).
Mari yemari inowanikwa mumakambani makuru, akadai sehomwe huru yemari yemari, kunyanya muhuwandu hunokosha, inowanzobudisa zvikwereti zvakapedzana zvakanyanya nokuti makambani makuru anowanzopfuura zvimwe zvezvibereko zvavo pamwe nevashambadziri nenzira yezvikamu. Bond mari inowanzobereka mari kubva kune inowanikwa inowanikwa kubva kune zvimbiso zvebambani, naizvozvo haisi mvumo yekubhadhara kana. Iwewo unofanirwa kuva wakangwarira kune mari inobatanidzwa-yakabatana nokuti vari kuedza "kurova pamusika" nokutenga uye kutengesa mashizha kana zvisungo. Saka vanogona kupa zvikwereti zvinowanikwa zvakanyanya kuenzaniswa nemari isina kuchengetedzwa.
Shandisa Mari yeChechi neKuderera Kuwedzerwa
Chimwe chikamu chekukwereta kwemitero ine chiyero chechibhadharo chakaderera, icho chinoratidzwa se peresenti yeimwe mari yekusungirirwa iyo yakatsiviwa (yakashandurwa) mukati megore rapfuura. Chiyero chechibhadharo chakaderera chinoratidza kutenga uye kubata urongwa hwemari inobatanidzwa pamwe chete nemari asi inowanzoenderana nemari yakasarudzwa-yakarongwa , yakadai semari yekuenzanisira uye Exchange Traded Funds (ETFs) . Nenzira yakawanda, uye zvimwe zvinhu zvose kuenzana, mari inoshandiswa nehuwandu hwekubhadhara mari ichava nepamusoro yekutengesa mari ( Imari Ratio ) uye yepamusoro mitero yemutero, kupfuura mari yebhadharo. Mukupfupisa, kutengesa kwechidiki kunowanzoshandura kuva yakakwirira yehutano .
Sezvo zvinonzwika, mutero wekubhadhara mutero iyaniso yekuti mitero inobata sei mitero yekushambadzira. Somuenzaniso, kana mutual fund yako inobhadhara 10% musati mitero asi mari yebhadharo inowanikwa nechikwata ichi inotadzisa kubhadhara kusvika ku9% mutero webhadharo inosvika 1%. Vashandi vanogona kuwana mvumo yekubhadhara mushure mekubhadhara, mitero-yakagadziridzwa kudzoka uye mutero webhadharo yemari yekutengeserana mari paMatstarstar .
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kufanana semazano emitero kana mazano ekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.