Nzira Yokugadzirisa Nayo $ 100,000 yePortfolio Yako

by Joshua Kennon

Hapana chirevo chakanaka chiri kupfupisa kushungurudzika kwepfungwa uye kunoshanda kunosangana nevanhu vashoma vanoedza kuvaka upenyu huri nani ivo nemhuri dzavo pane shoko rakanzi kune muchengeti, anonyatsobudirira, iye zvino mumwe wevarume vakapfuma kwazvo munyika mari inofungidzirwa inopfuura $ 2 biliyoni: "Rokutanga $ 100,000 inongova." Kanganwira mutauro, asi kutaura kubva pane zvandinosangana nazvo, ini ndinobvumirana zvakakwana uye ndinogona kupupurira ichocho. Chikamu cheizvi ndicho chikonzero chemutero wemutero. Chikamu chazvo ndechekuita kwekugadzirisa - maitiro mashoma anokuudza kuti kudzoka kwe10% pa $ 1,000,000 kune $ 100,000; nemhando iyo yemari, kudzoka kwakadaro kwaswedera kusinganzwisisiki kune mudzidzisi aizotambudza kuunganidza $ 10,000 kana $ 20,000. Chikamu chechitatu chiitiko. Fungidzira nguva, kushanda, uye kushungurudzika iwe unogona kuzviponesa kana iwe ukagona kudzokera zvakare uye uchitaura iwe pachako pamakore gumi namashanu kana gumi nematanhatu, uchipfuura nezivo pamusoro pemari kwete, asi hupenyu hwose.

Muchi nhanho-nhanho, chikamu cheThe Complete Beginner's Guide yekuchengetedza Mari , ndichaenda kukupa zvinyorwa zvese zvinokubatsira iwe kutanga pamugwagwa kuti uise mari yako yekutanga $ 100,000 mukutengesa mari, pachena uye yakajeka . Zvechokwadi, mitemo nemitemo zvinosiyana nehurumende, nzvimbo, uye nyika, saka hapana chimwe chezvizvi chinokonzera kubhadhara, mutero, kana mazano ezvemutemo uye unoda kubvunza nyanzvi yako yakakodzera kuti uone kuti imwe nzira, chimiro kana nzira yekuita yakarurama iwe. Pakupedzisira, tariro yangu ndeyokuti ichaita kuchengetedza nekugadzirisa zvishoma zvishoma nyore .

01 Ziva Mutero Wemitero

Mari inenge isingasviki ne $ 100,000 pagore inotarirwa nemitero yemitero, inosanganisira zvirongwa zvehurumende zvakadai sehupfumi hwevanhu uye medicaid. Iyi mitero yebhadharo ye15.3% inobhadharwa hafu neushandi uye hafu nevanoshandira (kana iwe uri wekushanda, iwe uri mumuganhu wekuti zvizere 15.3% iwe pachako - kureva, kuwedzera pamutero wako wenguva dzose, iwe uri kuenda kune yeHurumende yehurumende $ 15,300 pamba iyo yekutanga $ 100,000 yemari). Nhau dzakanaka ndeyokuti hafu yemitero yako yemitero inodzingwa kubva pamitero yako yaunowana, asi mutezo unenge uchiripo kuti vagari vakawanda veAmerica vanobhadhara zvakanyanya kudarika zvavanotaura zvebhadharo yemutero zvaizoita kuti vatende. Sezvo iwe uchiwana pfuma, mutoro wemutero semuwandu wekurasa mari inotanga kuderera pasinei nekukwirira mumadhora akazara. Mune mamwe mazwi, kana iwe ukaita $ 800 000 uye uchibhadhara $ 300,000 pamitero, hazvikwanisi kukuvadza mararamiro ako ehupenyu asi kana ukaita $ 20,000 uye uchibhadhara $ 3 500 mumitero, zvinogona kureva kuti haugoni kuchengeta kupisa mukati mechando.

Iko panguva ino muhupenyu hwehupenyu - apo vari kutambura kubhadhara zvikwereti uye vachiri pasi pemitero yemitero - kuti zvakaoma zvikuru kuvaka upfumi. Congress yakapa nzira dzakasiyana-siyana dzekuenderera mberi mumutsetse wemutero, kunyanya kuburikidza neRoth IRA , Traditional IRA , uye 401k zvirongwa . Mumamiriro ekupedzisira maviri, mari inobhadharwa muzvikwereti inobhadhara mutero panguva iyo inotengeswa. Somuenzaniso, kana iwe ukapa $ 5,000 kusvika kune 401k uye iwe uri mu 25% bracket, haufaniri kubhadhara $ 1,250 mu Federal federal mitsva pamari iyo nokuti, panguva iyo, kusvika kune hurumende ine hanya, haina kumbovapo. Izvozvo zvinoreva kuti kubva kunze kwegedhi, une $ 1,250 inoshanda iwe. Kana iwe ukatora mari iyo mubhadharo rako kuti uedze kubhadhara zvikwereti zvako, iwe unongopedzisira uine $ 0.75 pa $ 1 pamusana pekutora mutero.

02 Endai Mushure Mokuda Mari

Saizvozvowo, kana iwe uri kuenda kune chikwereti (izvo zvisiri chaizvo zvakakodzera), iva nechokwadi chekuti unoenda kunotsika-kudhura, mutero-deductible, nguva refu, yakagadzirirwa-mutengo wemhando. Kadhi kadhi rechikwereti inofarira haisi mutero inobviswa. Ngatiti iwe une $ 15,000 muyero uye makadhi ako ari kukubhadhara iwe 23% chido gore negore. Iwe uchaenda kunoda kusvika madhora mazana matatu nemazana mashanu pagore kungovhara chikwereti chekufarira-iyo haisi kunyange kubhadhara pasi mukuru! Iko mari haibhadharwi pamitero yako yemari kana mitero yako yemitero, zvinoreva kuti vazhinji veAmerica vanowana mari shoma kudarika $ 100,000 pagore, iwe uchafanira kuita $ 5 200 kutora mutero kubhadhara mari yako inofarira! Ndiyo $ 200 pamari yekubhadhara kana iwe uchibhadharwa ma-vhiki imwe neimwe (26 kanomwe pagore), kana $ 433 kana iwe uchibhadhara mwedzi mumwe nomumwe. Funga nezveiyo - $ 433 pamwedzi wemari yako yaunongotora kuitira kuti ushandise mari yekutora, pasina kuderedza kushandiswa kukuru. Kune mumwe munhu anoshanda maawa makumi mana pavhiki, masvondo makumi mashanu pagore, inodarika $ 2.50 paawa kungochengetedza chikwereti chavo. Izvi zvinoparadza mumwe munhu achiita $ 8 kana $ 10 paawa. Iye zvino, taura nezvekuedza kusangokubhadhara pasi chikwereti, asi kuisa mari kune imwe nzvimbo yeupenyu huri nani uye inotyisa.

Kana wako waunoshandira achipa 401k kufanana, shandisa zvayo. Muchirevo chiri pamusoro apa, kana iwe waizowana dhora-ye-dollar inofanana neyokutanga, ichiti, 5% yemipiro yako uye iwe wakaita $ 30,000 pagore, iwe unogona kuwana $ 1,500 mumutambo webhonasi uri muakaunti yako. Iwe watoziva kare kuti iwe wakachengetedza $ 1,250 mumitero, saka ikozvino, nokuisa $ 5,000 mu 401k yako, une mari ye $ 6 250 inoshandiswa iwe - kana kuti $ 2,750 kupfuura iwe waizove uine kana iwe uchingozvitora nguva yako yekubhadhara, wakabhadhara mitsara, uye akaedza mari kumabhadharo account! Icho chinoda kusvika 79% mari yakawanda iri kushanda iwe!

03 Ita Cash Generator Sekuda Kwekutsvaga

Imwe nzira yekuwedzerwa mari yakawanda inokura mapepa ako epfuma, kwete kungoedza kuwedzera mari yakawanda kubva muupenyu hwako huripo. Kana uine tarenda kana unyanzvi, zvichida iwe unogona kuzvipira kune rumwe rutivi kuti unotora madhora mazana maviri pamwedzi, ose ayo anogona kuwana mari inodhura yakaenzana mubhuruu chip stocks. Zvichida unoshanda mufekitari; Unogona here kutora maawa akawanda? Nokuunza mari yakawanda, iwe uri kubhadhara mari yako asi usingabatsiri hupenyu hwako. Izvi zvakakosha zvikuru nokuti zvinenge zvichida iwe unenge uine chido chekugara panzira iyo iwe haungati uchinzwa kubviswa.

Izvi zvingasaita sezvizhinji, asi kana iwe unokwanisa kukwanisa kubvisa imwe $ 10 pazuva pazuva kubva kumabasa matsva emabhizimisi kana mapurojekiti, pa10% makore anopfuura makumi mana, uri kutaura nezveve $ 1.6 + mamiriyoni! Vanhu havana kurovedzwa kuti vafunge saizvozvo, uye hurongwa hwedu hwekudzidzisa hahuna kuratidzika kuva kuvapa zvishandiso izvi. Iwe haugoni kuedza kuisa pamabhadharo makuru emari - yakavakwa $ 1 kana $ 3 panguva. Iko mari inobatanidza, inokura, uye inovaka. Ndizvo chete zvinhu zvezvinhu. Chigunun'una hachive mutezi ane simba usiku, kana kunyange mumakore mashomanana. Zvinotora nguva.

04 Sarudza Upenyu Hwako

Izvi zvingaita sokuti hazvina kujeka, asi ndivimbise pane izvi. Kune vanhu vakawanda, clutter haisi kungovhiringidza chete, asi ine mari yezvemari. Iwe unopedza nguva uchitsvaka zvinhu, nzvimbo yekuchengetedza, kurasikirwa nemitero nokuti iwe hauna makadhi ako akanyorwa kana iwe haugoni kuwana mapepa kutumira-mune rebate, inoda nguva yakawanda kune vanyori uye magweta kuti agadzirise zvinhu zvako apo chimwe chinhu chinenge chisina kunaka, kana kurasikirwa nemvumo yemotokari yako, zvichiita kuti iwe ubhadharire kugadzirisa mari kubva muhomwe. Iko kune mari yakawandisa yemari yekusagadziriswa.

Vhura seti yemafaira makumi matatu nemaviri, ane tab pane imwe neimwe yakavezwa yega yega yeshoko reAlfabheti, AZ.
Nguva imwe neimwe yamunopedza mari, zadza pepa rekuvhara, razvinyora kune kopi yemutero pamwe chete neyakakosha, uye uiise nezita revatengesi mune faira rakakodzera. Kana iwe ukashandisa $ 97.52 paWal-Mart, iwe unotarisa mitsara inodonhedzwa pamutero (mamwe mabhizimisi ezvesipfuti achaita kuti tsamba inonyangarika kana iwe ukaratidza dhipatimendi), uye uiise pasi pe "W". Pakupera kwegore, zvinenge zvisingakwanisi kutarisa zvaunoshandisa uye kutora mafaira ako pamusoro pekugadzirira mutero.
Kanda zvinhu zvausina kushandisa. Seriously. Upenyu hwako huchanzwa hwakachena kana hwaenda.
Kana uine zvinhu zvakakwana zvekuti uwane pfungwa dzemari, funga kusungira hupenyu hwako hwose hwemari pamwe chete nekambani. Mabhengi akawanda iye zvino ane huwandu hwehupfumi hunoita hunosanganisira kuongorora, kuchengetedza, mari yemari, kubhadharisa, inshuwarisi, mari yekuchengetwa kwemusha uye kuenzaniswa kwemari yechikwereti, mari yekoroji, kadhi rechikwereti, kugadziriswa kwemasvingo, uye mabasa ekurasira. KuWachovia, izvi zviri pasi peParamende yeApriest Command, paBBS (United Bank yeSwitzerland), ndeye Resource Management Account, paWess Fargo ivo vaitengesa sePodfolio Management Account, vachingoti vashomanana.

05 Dzidza Kutarisira Mutoro Chikamu cheBan Balance Sheet

Chikanganiso chinowanzoitwa nevashambadzi vanowanzoita ndechokuisa pfungwa pazvinhu zvakasara zvebhadharo ravo. Chikamu chekodzero, uko chikwereti ichichengetwa, chinokosha chete. Mubvunzo watinowanzowana ndewekuti, "Ndinofanira kubhadhara chikwereti changu kana kuisa mari here?" Uye mhinduro yacho iri nyore: Inotenderera. Kunyange kana iwe uine mamiriyoni emadhora muhupfumi, kana iwe uine ruzivo rwakakwana kuti uve nekodzero yekubatanidza mutero-deductible Federal Student zvikwereti zvakanamirwa pa 5% yemakore makumi maviri anotevera, zvingava kunge kukanganisa kutarisa kubhadhara avo nekuda iyo inodhura mari. Mushure mokunge vatengesa mukutengesa kwenyika, kubhadhara mutero, uye mukana wekuwana mari muzvinhu zvakanaka zvakadai sekuunganidzwa kwebhuruu chip stocks, kubhadhara chikwereti ichi kunze kwekutsvaga mari kunogona kuita kuti mamirioni emadhora akaderedzwe pfuma kwenguva refu.

Pamusoro peflip nechekare yemari yeJanus, hazviiti zvachose kuva nepfungwa yekutsvaga mari mubhidhiyo yekwereti nguva dzose kana iwe uchibhadhara 20% pane kadhi rechikwereti nokuda kwezvikwereti zvawakaunganidza munguva yakapfuura. Zvinondishamisa kunzwa vanhu vachitaura nezvekutora mazororo, kutenga zvipo zveKrisimasi, kutora shati itsva, kana kuenda kundodya kana vari kushambira mugungwa rine chikwereti chakakwirira.

06 Zvakakosha Kuti Udzorere Zvose Zvinoparidzirwa

Kune avo vamuri mukutsvaga-munoziva, izvi zvakadzokororwa kud yeumum. Iyo imwe chete inonyanya kukosha mukuderedza dambudziko rekugara kwenguva refu kana iwe uine chikamu chepamusoro-soro, bluu chip stocks ndezvekudzorera zvikamu. Purofesa Jeremy Siegal akaratidza mubasa rake uye mabhuku kuti izvi hazvirevi nguva chete inotora nguva inotora kuti uwanezve kurasikirwa mumusika wepasi, asi nemhaka yedhora rinodhura kusarudzira, vatengi vakawanda vanowana zviitiko zviri nani sezvavasingadi kuedzwa nguva . Sezvaakataura mubhuku rake:

Pakazosvika 1950 kusvika muna 2003, IBM yakawedzera mari pa12.19% mugove, zvikamu pa 9.19% mugairo, mupiro wega wega 10,94%, uye kuwedzera kwezvikamu zve14.5%. Panguva imwecheteyo, Standard Oil yeNew Jersey (iyo zvino iri chikamu cheExx Mobile) yakabhadharwa kugoverana kwezvikamu zvinokwana 8,4%, chikamu chimwe nechimwe kukura kwe7.11%, kuwanikwa kwegawaniro yekugoverwa kwe7.7%, uye kuwedzera kwezvikamu zvisingabatsiri 14.22% .

Kuziva chokwadi ichi, ndeupi wezvikwama zviviri izvi iwe unogona kunge uinazvo? Mhinduro yacho inogona kukushamisa iwe. Mari inosvika $ 1 000 inotengeswa muBIM ingadai yakakura kusvika $ 961 000 asi iyo yakafanana inotengeswa mu Standard Oil ingadai yakasvika madhora 1,260,000 - kana kuti inosvika madhora mazana matatu emadhora - kunyange zvazvo kambani yemafisi yehoko yakangowedzerwa nemazana makumi maviri panguva ino neBibM, Kusiyanisa, kuwedzera nemazana matatu, kana kuti inenge katatu purogiramu imwe neimwe. Izvo zvinokonzera kusiyana zvinobva kune izvo zvinoratidzika zvakajeka zvikamu: Pasinei nekuwanda zviri nani nezvikamu zvinokonzerwa neBM, vashandi vakatenga Standard Oil uye vakadzorerazve mari yavo migove vaizova nenguva inopfuura 15-nhamba yezvikamu zvavakatanga apo apo IBM stockholders vaingova nemakore matatu chete -iyo nguva yavo yepakutanga. Izvi zvinouyawo kuratidza kuti Benjamin Graham anotaura kuti kunyange zvazvo kushanda kwebhizimisi kuchikosha, Mutengo uri Paramount.

07 Chengeta Zvinodhura Pasi- uye Funga Kuenzanisa

Paunotanga kuduku, une dambudziko guru mune kuti uwandu hwehupfumi hwako huripo. Iwe haugoni kubhadhara $ 12 kana $ 25 commission nguva dzose iwe une $ 500 kuti uite; iyo inoparadza zvinoreva yako huru kune mari shoma iri kushanda iwe. Ndicho chimwe chezvikonzero zvinowanzoita kuti zvive nehuwandu huwandu hwevhareji, mudiki mashomanana kuti awane mari yebhadharo yehuwandu mune dombo-pasi mari yekodzero yemari yakapiwa nemabhizimisi makuru seVanguard kana Fidelity.

Kunyora zvirongwa izvi zvinogona kuitwa pawebhidhiyo yekambani imwechete uye zvose zvaunofanira kuita ndezvokusarudza mari yaunofarira (varairi vemazano vazhinji vanosarudza mari shoma yemari inoenzanisa S & P 500), ndokubva yaisangana nayo kuongorora kana kuchengeta kambani kuitira kuti zvigadziriswe, zvisizvo zvekare zvigadzirwa pamazuva akafananidzwa. Izvi zvinotora guesswork kubva mukugadzirisa podfolio yako sezvaunenge uchitsvaka "America Inc."

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