Nzira Dzakanakisisa Dzokusimudza Chimedu Sum Distribution Kubva pane 401 (k) kana zvimwe
Hezvino chaunofanira kuita mushure mekunge wagamuchira chikwereti chako.
Tsvaga Iyo Yakanakisisa Yenguva-Dhepfenyuro Yekutora uye Yekutakura Kwemafupa Ako Sum
Zvichienderana nemari yakawanda yaunofanirwa kugamuchira, uye uchifunga kuti une nguva shomanana usati wagamuchira mari yako kana kutarisa, uchava wakachenjera kutanga kutarisa nzvimbo yekuchengeta mari yako uye kutsvakurudza motokari yekuchengetedza kana kuchengetedzwa kwekuchengetedza mari yako mari.
Mune mamwe mazwi, usakurumidza kusarudza!
Zvinokwanisika kuti iwe uchange uine kushandiswa kwepamusoro kwekushandisa mari yako. Somuenzaniso iwe unogona kubhadhara chikwereti nechikamu, kupa vamwe, shandisa zvimwe zvezororo rakakodzera, uye shandisa zvakasara kuti uzviise mari yekurega basa. Chero mari yaunenge usingashandisi mukati memavhiki mashomanana nguva inogona kutanga kutora chido.
Muzviitiko zvizhinji, iwe uchaisa mari mumusika wekukweretesa mari yechinguva chekuda mari. Mari yemusika mari inofanirwa kuwana mari yekuwana mari iyo inenge iri mvura, zvinoreva kuti iwe unogona kazhinji kuisa uye kubvisa kwavari chero panguva ipi zvayo pasina chirango kana mari.
Vashandi vanogona kutenga mari yemari yemakethe pane mutual fund firms, makambani ekubhadhara mari uye mabhangi. Vanguard Prime Money Market (VMMXX) uye Fidelity Cash Reserves (FDRXX) inowanzova pakati pezvibereko zvakanyanya zvezvikwereti, zvinonyanya kuzivikanwa zvemari.
Vanoponesa uye vatyairi vanogonawo kuwana zvimwe zvepamusoro zvakanyanya kubhadhara mari yemusika mari munyika iyo kuBraterate.com.
Sarudza Kuti Ndezvipi Zvokuzvipira Iwe Kana Kuti Uwane Mupiridzi
Kunze kwekunge iwe uine ruzivo nekutsvaga mari, iwe unogona kutaurirana nemudzidzisi wezvemari usati wasarudza chaungaita nemari yako. Kunze kwekuti mari iri kupisa yose muhomwe yako (kureva iwe unotya iwe uchaipedza kunze kwekuti iwe uwane nzvimbo yacho nokukurumidza), iwe unofanira kutora nguva yekuwana mhando yakanakisisa yekugadzirisa mazano kune iwe.
Mune zviitiko zvakawanda, mupi wezano-wega chete neChipatimendi cheCheti yeChechi (CFP) chinonzi chisarudzo chakanaka. Chikonzero cheizvi ndechekuti vatengesi vemabhiza, mabhengi nemakambani einishuwarenzi vanowanzoshandira kumakomisheni. Saka pavanenge vachibhadharwa kukutengesa imwe sarudzo pamusoro peimwe, vangasave vachishanda mune zvakanakisisa.
Sarudza Zvaunoda Mari Yokuita Kwauri
Izvi zvingaratidzika zvakajeka asi iwe unofanirwa kuva nechiratidzo kana sarudzo yemari yako, kana kuti chii chichapedzisira chiri iwe iwe chikwereti chikwereti, usati wazviisa kunze kwemari yemari yemari . Saizvozvowo, haufaniri kusiya mari yako mumotokari yekuchengetedza mvura yakadai seyo kwenguva yakareba kana iwe ungasava nemukana wekuita kuti mari yako ishande zvakaoma mune chimwe chinhu chakakosha nokuda kwebasa riripo.
Mumwe anoronga mari anogona kudana chiratidzo ichi kana kugadzirisa chinangwa chako chekutsvaga mari .
Lump Sum Invest vs. DCA: Kurumidza Muna Iye zvino Kana Zvishoma Zvishoma Uzviise Pakudarika Nguva?
Kunyangwe iwe ukaisa mari yako yose kushanda pakarepo kana nguva nenguva kuisa zvikamu ne dollar-cost averaging (DCA) , unofanirwa kuita chisarudzo chako zvizere pachinangwa chako chekutsvaga uye kubvumira kusangana nematambudziko uye kwete izvo zviri kuitika mumusika wekutengeswa kana hupfumi pane zvakapiwa nguva.
Somuenzaniso, kana nguva yako ichine makore makumi maviri, unogona kuisa mari yose muhomwe yako yakasarudzwa kamwechete. Izvi ndechokuti kudzoka kwemazuva mazhinji kwenguva yakareba hakuzoshanduri zvakawanda nekuisa nguva iyi mberi. Uyewo, pane njodzi yakawanda yekuderedza kuwandisa kwekudzoka kwako nekusiya mari yako yakawanda mumabhuku ekutengeserana kwemari , kunze kwekuzviisa mari pakarepo.
Vanhu vangave vachida DCA muzvikwereti zvavo vanosanganisira avo vane ukama hwakanyanya hwekutengesa uye / kana avo vatengesi vane nguva dzisinganzwisisiki. Somuenzaniso, munhu ane makore makumi matanhatu ari kuponesa kubhadhara, angave ane nguva yemakore makumi maviri nemashanu. Zvisinei, havazivi nekuziva kuti vachagara kwenguva yakareba sei. Nokudaro, munhu uyu angada DCA muchero wavo muzvikwereti zvavo pane nguva yakareba, yakadai semakore maviri kusvika kumakore.
Nenzira iyi, kana pane kuderera kunoshamisa mumatengo ematengesi, mutyairi anogona kuderedza kukanganisa uye kuwedzera mararamiro emangwana kuburikidza nekutsvaga mari yakatarwa, kamwe chete pamwedzi, kwemwedzi yakawanda kana makore mashomanana.
Kutaura muchidimbu, kune nzira shomanana dzekushandisa mari yako. Izvo zvinosarudzwa zvikonzero zvichava zvinangwa zvako zvekutsvaga, kushivirira kune ngozi, uye zvaunoda kuti mari iite kwauri munguva pfupi uye munguva refu.