Pane nzira dzakasiyana dzekuti iwe unogona kutenga zvigadzirwa kana iwe uchida kuwana zvigaro
Kune varairi vatsva uye vanoda-kuva vatengesi, imwe yemibvunzo yakawanda inobvunzwa inosanganisira kuti ingatenga sei zvigadzirwa ; iyo mijiniki yekutora zvamaoko ako pachikamu icho chohodzi ichikupa iwe kugoverana izvo zvakanyatsoiswa kana kutumirwa kumhuri yako kuitira kuti iwe unakidzwe nekushambadzira kwemari inoshandiswa .
Kune nzira dzakasiyana-siyana dzekutenga zvigadzirwa, imwe neimwe ine zvigadziro zvayo uye zvisingabatsiri, kusanganisira mutero uye kutengeswa kwezvinhu . Zvimwe zvingasarudzwa zvinogona kukubatsira kuti uwane nzvimbo yakawanda yenyika, uye uve neruzivo rwepamusoro kuti uite zvisarudzo zvekutsvaga kutengesa.
Nzira Yokutenga Nayo MuDare Rinowanikwa, Inotengesa Kubhadharwa Account
Kana iwe uchida kutenga chikamu chisina mvumo, pasina kubhadhara mutero, uye pasina muganhu wemiganhu, nzira iri nyore ndeyokuzarura kambani yekudhinda . Kusarudza imwe imba yekutengeserana inosanganisira zvinhu zvakasiyana-siyana, zvakadai sokunge iwe unoda mubhadharisi webasa rakazara kana wekutengesa broker isingatori chinhu kunze kwekutengesa mabhizimusi ako pamatombo-pasi, asi mazuva ano zviri nyore sekutora maminitsi mashanu kusvika Zadza mutsamba yemibvunzo mubhuku.
Fungidzira iwe waida kuzarura kamba paCharles Schwab & Company, mumwe wevatengesi vakuru muUnited States. Iwe unogona kuzadzisa shanduro yepaIndaneti, uchipa zita rako, kero, nhamba yezvokuchengetedzwa kwevanhu, ruzivo rwemabasa, nezvimwe zvichienderana nokuti iwe kana iwe waida kuwedzera chikwereti chemajeri kana kodzero dzekutengeserana kwemashamba.
Iwe unogona kutumira mubhadharo yekodha ye $ 1 000 kana, kanawo, inyore $ 100 pamwedzi zvakananga mari kana kuti magetsi kubva kuScwab checking account.
Kamwe kambani yako yekutengeserana yakanga yavhurwa, waizoona mari yaiswa uye yakamira, yakamirira iwe kuti uite chimwe chinhu nayo. Iwe unogona kupinda pane webhusaiti yepamusoro, pinda mucherechedzo wekiti yekambani yaunoda kuitenga, pinda nhamba yezvikamu zvaunoda kutenga uye ugoendesa bhizinesi mune zvishoma zvishoma pawakanga watsigira zvinyorwa. Muzviitiko zvizhinji, mukati memakore maviri kana maviri, iwe unogona kuona chiyero chakaiswa muakaunti yako uye mari yakabviswa. Mazuva mashomanana gare gare, iwe uchawana rugwaro rwekusimbisa bhizimusi . Chero nguva iyo kambani inobhadhara chikamu, iwe unoiona yakananga kuiswa muakaunti yako yekutengeserana. Kana kambani yakambove isina kubhadhara mitero kana kuti kupatsanurwa, iwe unogona kuona zvikamu izvi zvakapiwa mukodha yako yekutengeserana, pamwe (semuenzaniso, Chipotle Mexican Grill yakaparadzaniswa kubva kuMcDonald's apo Allstate Insurance yakasunungurwa kubva Sears).
Nzira Yokutenga Iko muRoth IRA, Mutauro weIra, SIMPLE IRA, SEP-IRA kana Rimwe Rakafanana Retirement Account
Kubva kumarangi-uye-bolts maonero, nzira yekutenga mhando muRoth IRA kana imwe yehama dzayo dzakabatana inenge yakangofanana yekutenga mabiko mune imwe nguva, iyo inokonzerwa nekodhadhi rekwereti.
Kana IRA yako inobata pane imwe kambani yemari yekutengeserana, iwe unotevera zvakananga nzira iyo. Misiyano ine chokuita nemari iyo mitero inobatwa uye muwandu wemari itsva iwe unogona kugovera gore negore.
Somuenzaniso, iwe unogona kupa $ 5,500 kusvika kuIrasi yeIra kana iwe uri nemakore makumi mana kana anodarika, uye $ 6 500 kana uri wemakore makumi mashanu kana kupfuura. Chero bedzi iwe uchinge uchinge uri pasi pemiganhu yemari inowanikwa gore rinoenderana nemamiriro ako ewanano, iwe unogona kunyora zvipo izvi sekuti iwe hauna kumboita mari. Zvichakadaro, zvikwereti uye mari inowanikwa mari yako inowanikwa apo inotengeswa mumatanda mukati meMitambo yeIra yakasununguka zvachose nemitemo yezvimwe chete. Apo iwe uchienda kuzobvisa mari yacho kubva mubhuku, iwe unobhadhara mutero wenguva dzose wemari pamari yakabviswa. Kana iwe uchiedza kubvisa mari yacho nokukurumidza, iwe uchange uri pasi pekubhadharwa kwema 10% kunze kwekunge iwe uchinge uchinge uchinge uwane imwe yezvidzidzo zvisere.
Nzira Yokutenga Nayo Kutenga Nayo Direct Stock Purchase Plan kana Sangano Reinvestment Plan (aka DRIP)
Zvakadini kana iwe usingadi kuzarura kambani yekwereti? Uri muhombe. Makambani akawanda, kunyanya makuru makuru echikwata chepuru , anotsigira zvirongwa zvinokubvumira kutenga zvikwereti zvakananga kubva kumushandi wekutsinhanisa kwefirmisi pasina, kana kuti nemutengo wakabhadharwa. Funga nezvemazuva ano anozvarwa wehurumende yaJohn D. Rockefeller, Oil Exx. Inotsigira hurongwa hwekutengesa zvigadziriswa kwebhizimisi kuburikidza nebhizimisi rinonzi Computershare. Kuda-kuva vadzidzisi vanozarura kambani ne $ 250 kana kubvumirana kuva ne $ 50 pamwedzi kubviswa kubva pakero yekuongorora kana kuchengetedza vanogona kutenga sengo pasina nhume. Kunyangwe zviri nani, urongwa hunoita kuti zvikamu zvishoma zvitsva zvigadziridzwe kuitira kuti peni imwe neimwe iwane basa rako, mubhadhari, kunyange iwe usina mari yakakwana yekuwana mugove wakakwana chero nguva ipi zvayo.
Paunenge uchishanda paIndaneti, unogona kutaurira mushandi wekutsvaga kana iwe uchida zvikamu zvako zvakananga zvaiswa mukutarisa kwako kana kuti kuchengetwa kwekodhi kana kuiswazve mune dzimwe mitsara yezvikwata. Sarudza zvakanaka. Kunyange zvazvo pasina mhinduro yakarurama kana yakaipa - izvi zvose zvinoenderana nemamiriro ako ehupfumi uye zvinotevera zvinoshandiswa mumatanda pachako - kune musiyano mukuru pakati pekudzorera uye kusadzorera zvikwereti zvako pamusoro penguva refu kana iwe uine mubairo zvakakwana kuti uzviwanire mune zvinyorwa zvakakosha chaizvo.
Nzira Yokutenga Nayo Kubhadhara An Employee Stock Purchase Plan
Chimwe chezvinhu zvakanyanya kukanganiswa mumakambani eMelika, mazhinji emakambani makuru anobvumira vashandi kuti vave muridzi wekambani pazvikwereti zvinonakidza, kazhinji zvakakwirira kusvika 15% kubva pamutengo wemusika, kuburikidza nezvirongwa zvinozivikanwa seH employye Stock Purchase Plans . Zvechokwadi, kumwe kutsvakurudza kwezvidzidzo kunoratidza kuti munhu wose anoshandira anopa pakati pe $ 4,000 ne $ 5,000 mumari isina mari pagore nekusatora zvinyorwa zveESPP ivo vane kodzero yekubatana.
Mune mamiriro ezvinhu akawanda, unoda kuenda kune dhipatimendi revanhu uye unokumbira fomu yekunyora. Iwe unoudza kambani iyo yakawanda yebhadharo yako yaunoda kubvumirwa kutenga zvigaro. Chimwe nechimwe chaibhadhara nguva, chikamu chemari yaungadai wakawana, panzvimbo iyo, yakashandiswa kutenga mari pamutengo unodhura kupfuura waungadai wakabhadhara kuburikidza nekambani yekutengeserana (semuenzaniso, kune kambani ine 15% kubhadhara, $ 100 yezviyo yaizova akatengeswa kwauri kwe $ 85, achikupa pakarepo $ 15 pfuma).
Nzira Yokutenga Nayo Kutenga Mutual Fund
Kana iwe usingadi kutora zvimedu zvega, asi unoda kuva nematokari zvisinei, yako yakanakisa kutengesa ndeye mutual fund ; zvichida e-low-cost index fund . Muchidimbu, iwe unyorera cheki kana kuti mari yako yekutanga inotorwa kubva kubhengi yako yebhangi kuitira kuti mari yako igoverane nevamwe vashandi. Vane mameneja emari vanoshandisa mari yacho kuti vaende uye vatenge zvikwereti panzvimbo yenyu, vachizvigadzirira mune imwe nzvimbo, yakasimbiswa chikwereti icho, icho pachayo, chakagoverwa kuva zvikamu zvaunazvo. Mukuwedzera kune komiti, iwe waunofanira kubhadhara, iwe unobhadhara zvakananga chikamu chako chebhadharo yemari, iyo inoratidzirwa sechikwata chekubhadhara mari .
Ngatimbofungidzira iwe waida kutenga S & P 500 index index. Iwe unogona kuzarura kambani zvakananga nekambani yehurumende yekutengeserana kana iwe unogona kuita kuti mutengesi wako atenge zvikamu kuburikidza nekambani yako yekutengeserana, avo vekupedzisira vanogona kukubhadharai komisheni pane zvikamu asi iyo imwe yekambani yekambani haisi yeimba yemari. Iko mari inopa mari inoshandiswa nevana shareer kumatoro anobva pane chimwe chinhu chinozivikanwa sekodhi yemari . Nzvimbo gumi dzakakwirira, seboka, dzinogamuchira 17.8% yemari yako.
Pose paunotenga zvimwe zvikamu zvehurumende yako yekutengeserana nekutumira cheketi itsva kana kuti kutengeswa kwekombiyuta kunowanikwa kubva kubhangi yako yebhangi, uyewo kana iwe uine chikwereti chekugoverana mari (yakaitwa nemari inowanikwa uye zvikwereti muzviitiko zvizhinji) zvinowanzopiwazve mari, iwe hauna kutengesa kutenga zvigadzirwa. Nhengo dzaunayo dzemakambani makuru dzakangoita sezvakanaka sekunge iwe wakazvigadzirisa zvakananga mubhuku rekubhadhara kwako, pane kungova mutemo wepamutemo pakati pako unopa hupfumi hwehuwandu uye huwandu hwezvinhu.
Nzira Yokutenga Nayo Kubata 401 (k) Purogiramu
Kunze kwekuti iwe unenge uchitungamirirwa 401 (k) pane imwe kambani yemari yekutengeserana, iwe unenge wava kuda kusarudza kubva kune slate yemari inosarudzwa nemushandirwi wako kuti uwane mazamu, kutenga zvakananga sekunge iwe uri kutenga mutengo mari yako pachako. Dhipatimendi revanhu vanogona kukubatsira kuti ugadzire account yako, uwane mugove wako wekusununguka kwemari inogona kupiwa kana kuti isingakwanisi kupiwa, uye ita kuti zvipo zvinopiwa zvakapiwa mari yaunofunga kuti yakakodzera zvakakodzera zvaunoda.
Zvizhinji zvakakwana 401 (k) zvirongwa zvichapa zvishoma mari yakawanda yemari, mari shoma yemari, uye mari yepasi rose yevaya vanoda kuve nemakambani enyika (asiri eUnited States) anorayira zvikamu mune mari yakawanda. Kana yako 401 (k) chirongwa ichi chapa Vanguard Total International Index Index Fund, nenzira yekuenzanisira, gumi gumi zvakagadziriswa zvaizomiririra 8,3% zvezvinhu zvako uye zvinosanganisira Nestle muSwitzerland, Royal Dutch Shell muUnited Kingdom, Novartis muSwitzerland, Roche Kubata muSwitzerland, HSBC muUnited Kingdom, Toyota Motor muJapan, Samsung Electronics muSouth Korea, BHP Billiton muAustralia, BP muUnited Kingdom, uye Bayer muGermany. Pawakasarudza mari iyi pane 401 (k) mazano ekugoverwa, uri kutenga zvigadzirwa mumabhizimisi aya ose uye zvimwe.
Nzira Yokutenga Nayo muInternet Company
Zvakadini kana iwe uri mubhadhati muUnited States uyo anoda kutenga zvikamu zvekambani yakatarwa kune imwe nzvimbo kunze kwenyika? Kune dzimwe nzira shomanana dzakasiyana dzekuti iwe uite izvi, zvinenge zvose zvichange zvichipfuura kuburikidza nekambani yako yekwereti.
- Kana iyo yekunze yezvokutengeserana ine rondedzero yeAmerican kushandiswa kwekutengesa yakafanana neNew York Stock Exchange, unogona kutenga zvigaro nokupinda chiratidzo chekitipa sezvaunogona kuita chero bhizimusi redzimba. British alcohol giant Diageo PLC, somuenzaniso, unoshambadzira pasi pekipiki chechiratidzo DEO muUnited States.
- Kana sangano rekunze kune maAmerican Depository Receipts neAmerican Depository Shares izvo zvakasikwa, unogona kutenga izvi muUnited States kuburikidza neDS tick ticker. Iyi inyaya yakaoma iyo inoda kuti iwane yakadzama tsanangudzo uye zvichida haina kukodzera kune vashandi vakawanda vatsva vakapa mari yekutengesa inobatanidzwa uye kune dzimwe nyika kubhadhara mitero inogona kunge yakakodzera. Muenzaniso unogona kuva Nestle, unoshanda mumapepanki epeki muUnited States pasi peSRGY chiratidzo. Izvo chaizvoizvo rudzi rwekuvimba mari inobata zvikamu zveNestle chaiyo muZurich, kuSwitzerland, zvichinyatsobatanidzwa neCitibank yeAmerica vatengesi.
- Iwe unogona kuzarura rudzi rwakakosha rwekambani yekwereti iyo inopa kutengeserana kwenyika yose. Vazhinji vatengesi vakuru vane basa iri. Nhoroondo yekutengeserana yenyika yose ichaita kuti zvikwereti zvemari zvakasiyana-siyana uyewo zvikamu zvezvitengo zvakatengwa zvakananga kune dzimwe nyika dzekutengeswa asi zvinotora zvakawanda zvakanyanya nemakomisheni dzimwe nguva inomhanya zvakakwirira semakumi emadhora emadhora uye zvishoma zvatenga zvinowanzoiswa makumi makumi ezviuru zvemaAmerica akaenzana madhora pamabhizimisi.
- Iwe unogona kusarudza kutengesa mutual fund fund inotarisa pamatokari enyika dzakafanana neaya akafanotaurwa kare mu 401 (k) chikamu chenyaya ino.
Pane Zvishomanana Zvokuvhara Zvokutenga Nayo
Kune nzira shomanana dzeimwe nzira dzokutenga zvigadzirwa, kusanganisira kuisa ushamwari hwemhuri kuburikidza nechimwe chinhu sekambani ine chikwereti chemhosva kana kukwanisa kuwana munhu ane zvikamu, kutaurirana zvakananga, uye kutumisa matengesi pakati pako, achidarika kushandiswa kwezvitengo zvachose (kunyange zvakadaro haasi mamiriro ezvinhu pasi apo uyo anowanzo, asina kudzora mutengesi angamboona zvakakosha kuti aite chinhu chakadai kunze kwekuti iye kana achinyorera chikamu chemotokari kune mwana, muzukuru, kana kuti mugari wenhaka pamutengo wakaderedzwa wezvipo zvakasiyana-siyana zvemitero uye nhaka izvo zviri kure nekukura kwekukurukurirana uku). Zvinotarisirwa kutaura, kuti iwe unotenga sei chikwata chako chinogona kuva nemigumisiro yakawanda pamigumisiro yako yepasi, asi mumamiriro akawanda, iwe uri kuzoita zvese zvaunotenga kuburikidza nemutengesi, mutual fund kambani, kana mushandi -rongwa hwekushandira basa rakadai se 401 (k) kana 403 (b) .
Iko huru huru yekubudirira ndeyokuwana makambani akanaka, makambani, kubhadhara mutengo usinganzwisisiki (kana kana iwe usingazivi kuti ungaita sei, dollar inodhura inowanikwa), uye zvino ita mhuri dzipi dzakapfuma kuburikidza nekuchechedza kutora chikwereti. Izvi zvinokubvumira kuti urege kungodzivisa kukanganisa mari asi unobatsire kutambiswa kwemitero yemari mune zvimwe zviitiko, izvo zvinogona kuwedzera mazana emapato anongedzera kuwandisa kwako kuwedzera. Izvozvo zvinoreva mari yakawanda yemari yakawedzerwa kwemakumi emakore.