Dhani Bonds, CDs kana zvimwe Fixed Revenue Investments
Chirongwa chekodzero yemari yakasungirirwa chechikwereti chinogona kubatsira.
Uine chikwereti chakasimudzwa, iwe unotenga huwandu hwemari yekutsvaga mari yakasarudzwa nematambudziko akasiyana-siyana, kubva pfupi kwenguva pfupi kusvika kwenguva refu. Izvo zvakadai sedhora-mari inodhura. Nezvisungo zvakasiyana-siyana kana maCD zvakakura panguva dzakasiyana zvinogona kukubatsira kuti uwedzere mazinga ekudzoka kupfuura evhareji yemari yekuchengetedza, asi inoitawo kuti mari yako ichinje kana zvikwereti zvinowedzera mumakore mashomanana anotevera. Panzvimbo yekuvhara zvinhu zvose zviri muhuwandu hwemazuva ano, hausi gore rimwe chete kubva kune chikamu chemari yako, iyo inogona kudzorerwazve kumazinga akakwirira.tt inogona kukubatsira kuti uwedzere mazinga ekudzoka kupfuura evhareji yemari yekuchengetedza, asi inochengetedzawo mari yako inoshanduka kana zvikwereti zvinowedzera mumakore mashomanana anotevera. Panzvimbo yekuvhara zvinhu zvose zviri muhuwandu hwemazuva ano, hausi iwe gore kubva kune chikamu chemari yako, iyo inogona kudzorerwazve pamatunhu akakwirira.
Nzira Yokuvakira Nzvimbo Yakatarisana Nayo
Kana iwe ukakwevera chikamu chekunyora mapepa mapepa pamapepa, zvaizotarisa zvakanyanya seyero chaiyo. Iwe unogona kufunga nezvezvinhu zvematanho nenzira imwecheteyo. Nyaya yako ndiyo rudzi rwekutsvaga mari yaunoshandisa pakuvaka makera. Matanho iyi nhamba yezvikwereti mumakero.
Nzvimbo yacho ndiyo nguva yakatarwa iyo inotora zvikwereti.
Zvinhu Zvokushandisa: Bond Ladder Investments
Iwe unogona kushandisa yakasarudzwa mari yekutsvaga kuti uite chikwereti chakasimudzwa. Nhanho inogona kusikwa nekutsvaga kwekutsinhanisa seBiti Certificate yeDhipatimendi , kana nehupfumi, huri pakati-uye kwenguva refu yeUnited States bonds. Iwe unokwanisa chaizvoizvo kuvaka chikwata nehupi hupi hwehutano. Vashandi vanoda kuwedzera huwandu uye vanoedza kuwana chikwata chakakwirira vanogona kushandisa zvisungo zvehurumende, zvisungo zvejunk kana masisita emunharaunda mumatanho, nekunzwisisa kuti kune dambudziko rinowedzera. (Mabote eMasipala anogona kupa mutero kune vamwe vatengi vema-net-worth) Kuti vashandise mukana wekubhadhara mutero, vanofanirwa kubatwa mukodha yakabhadhara.)
Matanho: Gurai Chikamu Chako Kusarudzwa Kwekutsvaga kuEalal Parts
Nhanho dzemakero dzinomiririra mari yaunoronga kuisa mari yakapatsanurwa nehuwandu hwezvisungo zvauri kuronga kuzviisa. Somuenzaniso, kana uri kutsvaka kugara uchiwana mwedzi wega wega, unogona kuisa makera ane matanho matanhatu, imwe neimwe inotengwa pamwedzi kwemwedzi mitanhatu. Bonds inowanzobhadhara chikwereti kwemwedzi mitanhatu. Izvozvo zvinoreva kuti iwe unogona kuwana mari mumwedzi wechitanhatu, mwedzi wechinomwe, mwedzi masere, uye zvichingopfuurira kuburikidza nokupera kwegore.
Kuparadzana: Tenga Kuita Mari Nehutano Hwakasiyana
Iwe unotora sei bhadha yako yakananga kunoreva kuti inguva yakareba ipi iyo ichavapo pakati pekukura kwezvisungo chimwe nechimwe. Kupera nguva nguva yakareba pakati pekutakura kunogona kuderedza zvaunogona kuwana mari, asi inosunungurawo mari inoyerera kuti ipezve hutungamiri sezvisungo zvakakura.
Iwe haufaniri hako kudikanwa kuvaka imba yako yepamusoro. Iko kune dzimwe mari yehutano pamwe neEFs dzinoshandiswa dzinoshanda sematanho. Tarisa mari inotenga itsva, yakazara-kukura musungo nguva imwe neimwe yakwegura ichikura. Ndicho kukwira. Dzimwe huwandu hwemashamba emari mari yekusungirwa mari yakasimbisa makanhi neHaimari, hutano hwemakambani, masangano ehurumende uye mamwe marudzi ezvisungo.
Kuzivisa: Zviri pamusoro pepaiti ino zvinopa ruzivo nekukurukurirana zvinangwa chete, uye hazvifaniri kuva chikonzero chekutora kwako sarudzo. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.