Vangotanga Kufanirwa Kunamatira kuTatu Dzakakosha Zvikoro Zvokushandisa Zvibereko
Paunenge uchivaka chikwereti chakakwana chingaita sechinhu chisingaitiki, iva nechokwadi chokuti zvikamu, chikwereti, uye zvikwereti zvakakosha.
Vamwe vanowanzova pangozi yeupfumi kuparadza masimba akadai sekuwedzera kwezvibereko apo vamwe vane zvipingamupinyi zvekupinda-izvo zvinoreva kuti iwe uchafanira kuchengetedza mari kwenguva yakawanda usati wapinda mukati nemakumbo maviri. Chinoita kuti zviwedzere kufadza ndezvokuti hausi iwe chete unowedzera kuenderera kune mamwe mashoma emakira akavakirwa pauri unhu hwako, uchawana kuti mapoka akasiyana-siyana anosangana zvakasiyana-siyana panguva dzakasiyana muupenyu hwako.
Muenzaniso: Kana iwe uri mubhedheni mumakore makumi manomwe, hazviiti kuti uwane pfungwa yakawanda kubata nzvimbo huru dzezvigadzirwa kunze kwekuti iwe uronga kupfuudza imba yakanaka-soro kune vadyi venhaka kana rudo. Pane kudaro, ungangodaro uri nani pakunakidzwa nekuchengeteka kwakakwana uye kugadzikana kwemari inowanikwa kubva muzvikwata zvakakwirira.
Nenzira iyo, kana nyika yacho ichizoburukira muHuruku Hukuru, maitiro ako ekuchengetedza mararamiro ako ehupenyu aizovandudzwa zvikuru.
Kana ikozvino, regai titarise zvitatu zvikuru: Kuita Bhizinesi, Kukwereta Mari, uye Real Estate. Kunyanya zvose zvinhu zvikuru zvaunogona kufunga nezvazvo apo iwe uchikumbira kuti iwe uise sei mari inowira pasi peimwe yezvikamu izvi.
Kuwana Unhu Stake muBhizinesi
Paunoshandisa mari mubhizinesi, iwe uri kusika kana kutenga mune imwe nzira inobereka iyo, iwe unotarisira, inopa purofiti yakakwana nokutengesa chigadzirwa kana basa kune zvinopfuura zvinotengeswa kumutengi.
Nhoroondo yekuti, huwandu hwebhizimisi rakabudirira hwakange huri hukuru hunobva pfuma kuunganidza varume nevakadzi vanozvigadzira, kupfuura kupfuura inotevera yepamusoro yefasi yezvikwata, imba yekugara.
Pane nzira dzakawanda dzekuisa mari yako mubhizinesi rega. Unogona:
- Tanga kambani yako, kazhinji nekugadzirisa wekutengeserana chete, kubatana kukuru, kushamwaridzana kwekambani , kambani yekodzero yekambani , kana sangano. Kana iwe uine tarenda, unyanzvi, chirango, uye, kune imwe nguva, ruzivo rweanonyanya kushandisa, inowanzova nzira inobhadhara mari yekuisa mari nekuti iwe unogona kutenga mune zvakasimba pamabhuku anokosha pamwe nekuwedzera kwako kuenzana nekuenzana nekudzoka pane kuenzana, kana ROE .
- Tenga kune mumwe munhu wekambani akachengetedzeka kana kuti kubatana, kazhinji mukutsinhanisa mari kana basa, maererano nemashoko ari oga kukurukurirana. Vamwe varimi vanozvipira mune izvo zvinonzi kusazvimirira pachedu, vachizviisa kune dzimwe nzvimbo dzehupfumi apo vanonzwa sekuti vane ruzivo, sekushanda kwekombiyuta kana kubudisa.
- Tenga danda mubhizimusi rinotengeserana nepamusoro, kazhinji kacho nokutenga zvombo zvakasungwa mune imwe kambani inoshambadzirwa kune-over-the-counter yemakambani kana pane imwe yekutengeserana kwemabhizimisi yakafanana neNewSE, Nasdaq, Toronto Stock Exchange, London Stock Exchange, Tokyo Stock Exchange, nezvimwewo.
Vanhu vazhinji vachazopinda muboka rekupedzisira nokuti vane basa rezuva uye vari kufarira kudzidza mari yekuvaka mari yavakavaka mumabhengi ekubhadhara , 401 (k) zvirongwa , Roth IRAs kana kuti Traditional IRAs , zvirongwa zvekutenga zvigadzirwa zvakakwana , uye mutual fund account. Munenge mune dzose dzezviitiko izvi, nzira chaiyo iwe unogona kushandisa mari - kureva, kutora zviyero zvemari iwe wakazviunganidza uye unozvishandura kuva bhizimisi wehupfumi - yakafukidzirwa-zvakadzama mune imwe nheyo yandinyorera inonzi Kutenga Stock yeInvestment Yenyu . Tanga ipapo kana uchida kudzidza zvakawanda uye udzoke kana wapedza kuverenga.
Kukwereta Kuponesa Kwako
Mari inokweretesa mune zvayo zvose zvayo uye mafomu ndeyekare sekubudirira pachako. Mumwe mutengesi anochengetedza upfumi hwake obva achirega vamwe vachikwereta nokuda kwezvinangwa zvavo pachipikirwa chekubhadhara pamwe nekufarira zvichibva pane ngozi inonzwisisika, inofanirwa kutengesa kutengesa , uye urefu hwechikwereti.
Kune nzira dzakawanda iwe unogona kuisa mari yako mukirasi iyi yefaji kusanganisira:
- Kuita chikwereti chakananga, chega, chikwata chekutaurirana nemunhu anenge akwereta achibva pane chikwangwani chakanyorwa kana kuti chemashoko chirevo chemashoko, mitemo, hurongwa hwekubhadhara, uye chikwata chekufarira
- Kuita zvikwereti zvezera rako kuburikidza nemakambani emakwikwi akadai seLending Club kana Prosper apo iwe unoti padiki muzana wechikwereti chakapiwa uye unobhadhara chikamu chacho
- Kutenga zvibvumirano zvakabudiswa nehurumende dzehurumende (semuenzaniso, mari yeHurumende yezvisungo kana zvisungo zvekuchengetedza ), masuwa , makambani , zvisina mari, kana mamwe masangano
- Kutora chikwangwani cheDICIC chekuchengetedzwa kwebhishopi pabhangi kana imwe nzvimbo yezvemari
Mupfungwa chaiye, sekuita mari mune bhizinesi, apo iwe unokweretesa mari, chikwata chekuwedzera kwegore negore iwe unogona kuwana chinoenderana, pane chikamu, pane unyanzvi hwako hwakagadzirirwa. Ndinoziva munhu ane makore makumi masere nemasere anoramba achiita basa, munyika yenyika iri pedyo neZero-percent inotora mutengo, nekuchenjerera, kuchenjera, uye nokuchenjera inowana dzimba munzvimbo dzakapoteredza, ndokubva avarasira pamashoko ekutsvaga kumhuri yekutambudzika kwemhuri yaanoda rubatsiro asi avo vangave vasina kukwanisa kuwana chikwereti.
Mushure mekugadzirisa zvinhu zvakasiyana-siyana, iyo yakaenzana nekopu yepamutengo iri kuchamhembe kwe 13% pagore uye zvikwereti zvakachengetwa nehutano hwakakwana izvo zvisiri izvo zvinoitika, haatambudzi kurasikirwa. Mune zvimwe zviitiko, apo mhuri yakawa kwemwedzi mitanhatu kana kupfuura shure kwekubhadhara chikwereti ichi nekuda kwehupenyu hunotyisa, yakasarudza kukanganwira mari yose nokuti inoita mari yakawanda kubva kune iye zvino iye maitiro ake ekudyisa mumakore ekupedzisira hwehupenyu hwake.
Hapana anoshambadzira zvikwereti izvi. Anovasika kunze kwemweya wakaonda. Anoona mukana uye achishandisa peni, gweta, nyanzvi, uye mari yaanowana inowana nzira yekugadzirisa vamwe vanhu vanoda. Nguva yekupedzisira pandakanga ndamushanyira, akatitora kuenda kuresitorendi kwaakakwanisa kushandisa vouketi kuti adye pasina. "Shamwari yangu yekupedzisira yakabhadhara mari iyi," akadaro. "Rimwe remashoko aakambokurukura aive hafu yegumi nemaviri ezvokudya pamwedzi kuti vanoramba vachindipa mushure mokufa kwake."
Murume waainge achifambidzana asati apera mumakore ake makumi masere-iye pachake ane mamiriyoni akawanda pasinei nekunze kwezviratidzo zvayo - yakabva kuEngress Depression era, zvakare. Akashandisa zvikwereti zvaakaita kune bhizinesi senzira yekudzikisa kunze kwezvokudya zvekudya kwegore makumi matanhatu nemana. Iwe hauzombofi wakawana izvo zvakanyorwa pane bhadha yekutsvakurudza pepa rekutengeserana kwekambani yako.
Invest Money in Real Estate
Pamusoro pekukweretesa mari, kugadzira purofiti kubva kune pfuma yepamusoro ndiyo imwe yekare kare yakanyorwa mabasa ezvemari mune zvese zvakanyorwa zvakagadzirwa nevanhu. Kubva kuEgypt yekare kusvika kuNew York City yemazuva ano, kana iwe uine pfuma-ingava nzvimbo yekugara, hofisi, kana nzvimbo yevhu - unogona kutendera mumwe munhu kuti akashandise kuti atengese mubhadharo unozivikanwa semari.
Mimwe mhando yevatengesi vanosarudza pfuma yekugara kune dzimwe dzimba dzemari nekuda kwekutsungirira kwayo. Nenzira yekufananidzira, mahedheni muGreat Britain akanyanyogadzirirwa muimba yekutengesa kuti inongova 0.6% yenyika yose inayo 50% yezvese zvekugara kumaruwa munyika.
Muhupfumi hwemazuva ano, pane nzira dzakawanda dzekuwana dzimba dzekuda mari yako yekushambadzira . Izvi zvinosanganisira, asi hazvirevi kune:
- Kutenga imba yemhuri yako, iyo yakawanda yekuderedza kudhura uye zvishoma zvekutsvaga asi inowira mune izvi zvisinei
- Kutenga pfuma chaiyo uye kuiridzira kune vashandi
- Kutenga pfuma, kuvandudza uye / kana kukudziridza mune imwe nzira, nekuitengesa
- Mari yekubhadhara / buyback transactions
- Kuvhara mari kune vamwe vatengesi kutenga zvivako kuburikidza nemitero inokosha-inobatsira mabhizinesi asingabhadharwi nemitero yekambani pasi pemamiriro akawanda. Aya mabhizinesi anozivikanwa se REITs, kana Real Estate Investment Trust , uye anowanzowanzowanikwa seimwe chero ipi zvayo kuburikidza nekambani yekudhinda. Kune mamwe ETFs uye mutual funds anoshandiswa muRITIT.
Pfungwa dzakawanda dzekushandisa mari
Nepo pane zvimwe zvakawanda zvezvinhu zvaunogona kuwana kana iwe uchida kuisa mari yako uye kuwana mari yakanaka yekudzoka-muhupenyu hwangu, somuenzaniso, ndakashandisa chimwe chinhu chinozivikanwa chekuenzanisa kwekuita kuita mari yakawanda yepakutanga- zvinenge zvisina kukodzera kuti vashandi vatsva vatarise chimwe chinhu kunze kwezvikwata zvitatu zvemari.
Izvo zvinopfuura zvakakwana kuti pfuma ive yakapfuma, kurarama zvakanaka, uye kusiya vana vako nevana vazukuru vachivimba mari yakafukidzwa neupfumi inogona kuvatsigira kwemakumi emakore, kana kwete kwevakasara vehupenyu hwavo. Usaedza kuwedzera-kuomesa musoro nekusvetuka muzvinhu zvausingazvinzwisisi pakutanga pakutanga sewa tenzi mashoma.
Tevera mazano eimwe yevatengesi vepamusoro makuru; usatsauka kubva KISS, kana kuti " Ramba Uchiri Nyore, Benzi " uye iwe unogona kunge uchizova nemigumisiro yakanaka kwazvo, nekunonoka kusara usiku, kupfuura iwe unogona kunge uine.