Kugadzirisa zvikwereti zvako zvakasiyana-siyana zvinogona kuguma zvichikudhura zvishoma
Kutora Kubhadhara Mutero Kwekugadzirisa Kwemari Mari
Kufanana nemari yekugadzirira mitero, kubhadhara mari yekubhadhara mari uye mari yekugadzirisa mari inogona kutorwa sechinhu chakasiyana -siyana chakakonzerwa kuderedzwa pamutero wako wekubhadhara , asi kusvika pamwero wavanopfuura 2% yemari yako yakagadziriswa mari (AGI).
Muenzaniso: Kana AGI yako iine $ 100,000, uye iwe une $ 3,000 yekugadzirisa zvemari, kuverenga uye / kana kutarisira mari yekutsvaga mari, iwe haungabhadharwi mari yekutanga ye $ 2,000 yemari, asi iwe uchakwanisa kudhara mari inosvika $ 1 000 sezvazviri mari iyo inopfuura 2% ye AGI yako.
Vanhu vazhinji vanobhadhara mari yakadaro necheki, vachishandisa mushure mokutora mari, sezvo vachifunga kuti iyi ndiyo nzira yakanakisisa yekuita nayo. Asi kana uine mari muIRA pane imwe nzira iri nani yokubhadhara mari yakadaro saka vanokubhadhara zvishoma pamutero wekutevera.
Kubhadhara Mitero kunze kweIRA
Nokuda kwemari yekuchengetwa kwemari kana mari yekugadzirisa mari iyo yakarongerwa seperesenti yemari, unogona kubhadhara mari zvakananga kunze kwekambani yakagadzirirwa. Kana iri nhoroondo yeIRA apo iwe uchibhadhara mari nenzira iyo isingafungidzi kuti kubvisa. Pane kudaro, inonzi mari yekubhadhara uye iwe uri kubhadhara mari yekubhadhara mari. Pamusoro pemari ye $ 1 000 yemari yakabhadharwa nenzira iyi, kana iwe uri pa25% yemutero wemutero, ipapo paine mushure mushure mitezo inokubhadhara $ 750.
Zvinonzwisisika kubhadhara mari zvakananga kunze kwemaitiro eIRAs chero pazvinobvira. Zvisinei, hazvirevi kuita izvi neRoth IRAs. Sei? Roth IRA mari haizombokwanisi kubhadharwa kuitira kuti iwe ude kurega mari iwedzere kutora mutero chero bedzi zvichibvira. Mutambo weIRA mari ichabhadhara imwe zuva uye nekubhadhara mari kubva kune iyi yekodhi iwe uri kudzivisa kubhadhara mutero wemari pane chikamu ichocho.
Nhamo, iwe unogona kubhadhara chikamu chemari inokonzerwa neIRA iri kunze kweIRA. Somuenzaniso, kana iwe uine $ 500 000 muIRA uye $ 100,000 mune imwe yekodha yekusasiya, uye iwe unobhadhara 1% pagore mumari, iyo $ 5,000 inokonzerwa neIRA inogona kuderedzwa kunze kweIRA, asi $ 1 000 inokonzerwa nevasiri -IRA nhoroondo haigoni kupiwa mhosva kubva kuIRA.
Internal Mutual Fund Mari nezvikwereti zvekutengesa
Paunenge uine chikwereti chekubhadhara mari inotambirwa inowanikwa muhomwe yehutengo hwehuwandu . Iyi inodhura inodzingwa kunze kwekudzoka kwechikwama usati wapiwa mugove wako. Muchidimbu, iri kudzoka (kana kuwana) iyo isina kumbobvunzwa kwauri sezvo chikamu chacho chakashandiswa kubhadhara zvakakwana mari. Nokuda kwechikonzero ichi, iwe haufaniri kukwana zvikwereti zvako zvekubhadhara mari uye uzvitaure semudzikinuri.
Izvi zvinoshanda nenzira yakafanana nekutengesa mari zhinji. Kana iwe ukatenga chikwama uye ubhadhara $ 9,95 pabasa racho, iyo $ 9.95 yakawedzerwa pamutengo wekutengeswa kwematengo - naizvozvo kana iwe uchitengesa chivako mari inowanikwa inowanikwa yakaderedzwa nehuwandu hwekutengesa mari.
Kubhadhara Mazano
Vamwe varayiridzi vekutsinhanisa vanopa mazano ekugadzirisa mari uyewo kubhadhara mitero. Izvi zvinowanzopiwa sechikamu chechimwe chezvipo zvebasa rebasa, uye vanobhadhara zvichienderana nehuwandu hwezvinhu zvakagadzirirwa .
Iwe unogona kuwana kuti kana iwe uchiona mari yekutevera mushure mitezo iyo masangano anoshamisa zvinonzwisisika.
Chimwe chinhu chingafanira kufungidzirwa ndiyo mari yekutengeserana kwemari yakabatanidzwa , ine boka revatungamiri vekutsvaga tsvakurudzo vanoongorora mashoko emusika wekutsvaga mukuedza kuwana mari yakakwirira. Zvinodhura zvakawanda kubhadhara boka iri revanotsvakurudza tsvakurudzo, saka mari yakachengetedzwa yakawanda ine mari yakakwirira yemari, kazhinji inopfuura 1% pagore.
Panzvimbo yekushandisa mari yakachengetedzwa yakawanda iwe unogona kubhadhara mari-iwe chete muwani wekutsinhanisa wekutsinhanisa uyo anoshandisa mari shoma inoenzanisa mari yekuvaka podfolio. Iyi mari inowanzova nemari inodhura zvishoma pane .30%. Nokugadzirisa maitiro nenzira iyi pane imwe mushure mitezo iwe unogona kukwanisa kuwana mazano akawanda pane iwe pachako maererano nemari imwechete.
Zvakatarisirwa Kutarirwa Maakaunti
Pamusoro pematare emhuri yakakosha ane nhamba yakawanda yezvigadzirwa zvemari, vazhinji vanopa mazano vezvemari vacharumbidza mazano ega akachengetedzwa panzvimbo pekugadzirisa mari .
Iye zvino iwe une mazamu zvakananga kuitira kuti pave pasina chiyero chemari. Pane kudaro, mari yose inobhadharwa nenzira yekubhadhara mari yekuchengetedza kwekutsvaga iyo inokweretwa kubva kubhuku. Kana iri IRA mari inokweretwa kubva kuIRA inobhadharwa nemadhora ekutanga. Kana iyo nhoroondo isiri yemari yekubhadhara mari inoenderana nezvikamu zviviri zvezvikamu zvakasiyana-siyana zvakaderedzwa.