Shandisa Investment Savings Hierarchy uye Tanga Kuchengetedza Nhasi
Kana iwe wakambozvibvunza kana penny yakaponeswa nhasi ichinyatsokosha zvakanyanya kupfuura pennies pane penny yakachengetedza mangwana, zvino tarisa maitiro aya akareruka:
- Kana ukaisa $ 1 kubva pazera remakore makumi maviri nemaviri, iyo dollar ingadai yakakosha madhora 21 nezera remakore makumi matanhatu nemashanu, zvichifunga kuti inenge yega yezana yezana inodzoka pamusoro pemakore.
- Kana iwe ukamirira kusvika makumi matatu kuti uwane mari imwe chete ye $ 1, ichava yakakodzera $ 10.68. Tanga pa 40 uye iwe uchava ne $ 5.43.
- Mirira kusvikira iwe uchitora makumi mashanu kuti uise mari imwe chete ye $ 1 uye iwe uchawana $ 2.76.
Saka dhora rakasimwa pazera remakore makumi maviri rakapetwa kaviri pakubudirira sezvo dollar inotengeswa pa30 ne7,5 nguva ine simba sebheki inoshandiswa kushanda pazera remakore makumi mashanu!
Tariro, watotanga kuponesa uye kana iwe usina, ipapo nguva yekutanga nhasi. Zuva rimwe nerimwe raunomirira rinokubhadhara mari yakawanda.
Ramba uchifunga kuti iwe unoda kuva nepurogiramu yekuwedzera kudzoka kwako. Chirongwa chikuru chekugadzirisa mari yako ndiyo Hierarchy yeInvestment Savings iyo inotsanangura pokuisa mari yako uye mune zvakarongeka. Nokuda kwekuonekwa kukuru, tapota tapota pano .
Chikwangwani cheInvestment Savings: Kubva kumusoro kusvika pasi
Nhamba 1: Emergency Cash Savings
Pamusoro pepamusoro pehurumende yako yepamusoro kana piramidi yekuchengetwa kwekutsvaga mari inofanirwa kunge iri yako yekukurumidza mari yekuchengetedza mari. Nhamba yemari inowanikwa mune imwe nguva iripo inofanirwa kuve yakakwanisa kuvhara mwedzi 3-6 yezvigadziriswa mari uye inofanirwa kuitwa mumabhuku ekutengeserana kwemari kana mune mamwe majeti emari.
Shandisa iyi mari chete nokuda kwekukurumidza kwezvinhu zvinokanganisa, zvakadai sokurasikirwa kwebasa kana mari yakaoma yekurapa.
Nhamba 2: Cash Yenguva Yfupi
Nhamba yako inotevera ndeyekuti nguva pfupi iripo inofanira kuvhara mari inowanikwa mumakore 1-3. Izvi hazvifanirwe kuvhiringidzika nekuchengetedzwa kwekukurumidza; mari iyi inofanira kushandiswa kana iwe uine mari yakakurumbira inozivikanwa inouya mumwedzi 12 kusvika 18 inouya, sekubhadhara pasi paimba kana imba itsva.
Hazvina musoro kuita kuti mari yako yekukurumidzira iparadzwe nekuda kwechiitiko chakagadziriswa chemari, kunyange kana iri gore kana gore nehafu.
Nhamba 3: Shandisa Mupiro Wako Mupiro 401k
Iye zvino inguva yekufananidza zvipo zvako zvevashandi. Iwe unoda kugovera zvaunoshandira wako zvaanoda kuenzanisa zvekusununguka kune 401k yako.
Nhamba 4: Roth IRA
Zvadaro, tanga mari-uye edza kubhadhara zvizere- Roth IRA. Mipiro inogadzirwa nekutora mitero yemari uye inogona kubviswa chero nguva. Ingova nechokwadi chokuti unonzwisisa kuti unogona kutora zvakadini pasina kutora chirango. Kana uchingosvika 59 ½, zvose zvinorega hazvibhadhara mutero. Uyezve, kusiyana nechekare IRA inoda kuderera zvishoma pazera remakore makumi manomwe nemakumi manomwe, hapana chakafanira kushandiswa makore neRoth IRA. Kuti uwane zvinodiwa zvekufanirwa kweRoth IRA, tora pano .
Nhamba 5: Max Out Your 401k
Mushure mokubhadhara Roth IRA yako, dzoka zvakare uye uwedzere makumi 401k kana zvichikwanisika. Muna 2016, mupiro wepamusoro uri $ 18,000. Kana iwe uchikwanisa kubvisa $ 18,000 gore rega roga uye netariro yakawedzera kubatsirwe kwekambani yako yekambani inokwana 401k, mari yako ichavaka nokukurumidza.
Nhamba 6: Inotengeswa inotengeswa
Kana iwe wakaita zvose zvataurwa pamusoro uye uchiri nemari yekuchengetedza, iwe unogona kuisa mari iyo mubhuku rekubhadhara.
Pasinei nokuti iwe unotarisira mari yako uri woga kana kuti mumwe munhu akautarisira, iva nechokwadi chokuti uri mune imwe nzvimbo yakanyatsogadziriswa podfolio iyo ichawana zvikwereti, kufarira, nekugoverwa.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo