Tora Kuyera Kwekugara Kwekugara Kwekuchengetedza Mari
Kunyange zvakadaro, kana iwe unogona kukanganwa "asingazivikanwi," unogona kuuya nenhamba yakakwana yekurega basa. Heino nzira.
Chii Chaunoshandisa Kurega Kurega?
Iwe unotanga nekufungidzira kuti makore mangani auchagara mukutora basa. Taura pamusoro pevanhu vasingazivikanwe, kurudyi? Asi tarisa mavhareji ekutarisirwa kwehupenyu kune mumwe munhu wezera rako uye zvepabonde, pamwe pamwe funga nezvenguva iyo vanasekuru vako kana vabereki vako vangave vakapfuura uye iwe unogona kuwana manzwiro ehupenyu hwako. Chinhu muzera ripi iwe unotarisira kubvisa. Somuenzaniso, kana iwe uine tarisiro yekurega basa pa65 uye iwe unofunga kuti uchararama kune 85, iwe unotarisira kurarama mukurambira kwemakore anenge makumi maviri. Iwe unogona kurarama makore akapfuura makumi mashanu kana kuti kwete, asi, ikozvino, une chinangwa kutanga nacho.
Chii Chaunowana Mubhadhara Mhuri?
Chinhu chinotevera chaunoda kuenzanisa ndechekuti mari yakawanda yemazuva ano inofanirwa kurarama nayo. Pakurasira, iwe unogona kukwanisa kutenga mari (nekuwana vana vachikwidza, kuderedza imba, kana kubvisa chikwereti kusanganisira chikwereti) uye kurarama hupenyu huri nani kupfuura ikozvino, kana iwe ungada hupenyu hwakafanana iwe huripo iye zvino.
Pachinyore, iwe unofanirwa kuronga paunoda 80% yemari yako yemazuva ano, mutemo unopfuura huri nani hwechigadziko ndewe 85%. Kana iwe unogona kuiswa pa100%, kudukira kwepamusoro yepamusoro ye 120%.
Ngatitii Jaime ikozvino anowana $ 50,000 pagore. Mushure mekugadzira bhajeti, anosarudza kuti aigona kurarama ari $ 40,000, saka anogadza chinangwa chekurega basa pa80% yemari iye zvino.
Anoronga kupedza basa pa70 uye pamwe nekwenhoroondo yemhuri yake anofananidzira kuti angangoraramira anenge 90.
Nhamba yakajeka ndeye $ 40,000 x 20 years = $ 800,000. Asi, sezvandakambotaura, ichi chiitiko chakaoma. Zvamunonyatsoda ndezviyero zvinowedzera mutengo wegore negore mari yaunoda kurarama. Munyaya iyi, $ 800 000 inogona kushanda. Kana uine $ 800,000 uye uine mari kuitira kuti iwe uwane chikamu chezvikamu zvishanu zvegore, chikwereti chako chinogona kubhadhara $ 40,000 pagore usingabatanidzi mukuru. Zvechokwadi, mamwe makore makore emakethe anodzoka zvishoma uye mune zvimwe zvakawanda. Kana uine rubatsiro rwekudzoka kwegore negore, taura 3%, saka iwe unoda kudarika madhora 1.4 mamiriyoni kuti uwane $ 40,000 pagore. Uye hazvirevi kutarisa kutengesa, mitero kana makore mazhinji ekutengeserana mashoma. Kunyanya kana iwe ukarega pane imwe nguva idzi, inogona kuva nemigumisiro yezvaunofunga. Ona zvandiri kureva nezvakaoma?
Asi kushambadzika kwemisika uye kutengesa kwezvinhu zviri zviviri chete zvezvinhu zvinowanzomesa kana iwe uchienda kure nemafungiro uye mumamiriro ezvinhu chaiwo. Panewo Social Security. Kana ukagamuchira Social Security, izvo zvichakubatsira kuti usangane nemari yemwedzi.
Kana Jamie achida $ 3300 pamwedzi kuti ararame uye Social Security inopa $ 1500 pamwedzi, mugove wake wapera kusvika $ 1800. Izvozvo zvinogona kutema hafu yezviyero zvaanoda kuchengetedza kuti ararame pane zvekurega basa. Asi isu tose tinoziva nyaya ye Social Security yakaoma. Isu tose tinogamuchira zvinyorwa zvegore negore mumusana kutitaurira kuti mari yedu yegore yaizoita sei. Kana iwe uri une tariro, iwe unogona kuenda nenhamba iyoyo seunofunga, kana kuderedza kusvika pachiyero maererano nehutano hwako hwekufungidzira (OK zvimwe zvichiitika, asi ndine tariro).
Matambudziko Anogona Kupedza Kubvuma Kuita Basa
Jamie angave achida kuramba achipfura chinangwa chakakwirira. Kwete nokuti iye anokanganisika achazomboona chekuchengetedzwa kwehupfumi kana anofungidzira mitero uye kutengesa kwezvinhu hazvina nzvimbo yekuenda asi kumusoro, asiwo nokuti anoda kuronga kune izvo zvisingatarisirwi zvinodhura zvingadya mari yekusarura mari.
Utano hwehutano uye matambudziko ehutano kuva muenzaniso wakajeka. Chimwe chirwere chinopisa upenyu chinogona kupedza nokukurumidza chikamu chekuchengetedza kwake uye chido chaunopa. Anokwanisa kuronga panguva yemakore ake achishanda kuisa mari pamwedzi wega wega kwehutano hwekugara kwenguva refu, iyo inobatsira kubhadhara mu-kumba nekuchengetwa kwekuchengetwa. Asi pachava nehomwe iyo inshuwarisi haina kuvhara.
Imwe makashambadziro emakambani emabhizimisi, mari-yepamusoro yemutero wemutero kana mari inowanikwa muhomwe uye kuwedzera kwekuwedzera kwenyika kune dzimwe njodzi kumari yako yekusara. Asi pane zvakasara, rangarira kuti vakurega havatore zvose zvavanowana kamwechete. Mari yako inofanira kuramba ichikushandira iwe, kugamuchira kufarira uye zvikwereti kunyange sezvaunotanga kutora kugoverwa .
Kunyange zvakadaro, kana Jamie ari kuponesa uye achiita mari nekushingaira mukati make 401 (k) nokuda kwechikamu chakanaka chemakore ake ekushanda, chinangwa chake chinofanira kuitwa. Iwe unogona kushandisa retirement calculator seHarare Employee Benefit Research Institute's Ballpark E $ timator kana kuti user-friendly interactive retirement calculator paMerrill Lynch kuona zvingabvira iwe. Nezvizvi zvemajeri ekugadzirisa, iwe unogona kuchinja mafungiro ako kuti uchinje chigumisiro. Zvakadini kana ndakaponesa 2% mamwe gore, ndakashanda gore rinopfuura kana maviri, nezvimwe zvakadaro.
Iwe unogona kuwana mamwe mashoko pamusoro pevamwe vashandisi vekusara pano . Asi kana iwe uchida chaizvo kuva nechokwadi chokuti iwe uwandu hwemari yakawanda yaunoda kubhadhara hupi hunoenderana nezvinangwa zvako, edza kupedzisa hurongwa hwebhajeti hwekurega basa .
Kuva akatendeseka, kushandiswa kwevashandi vacho vanogara vachindivhundutsa. Mhedzisiro yekupedzisira inoita seisingawanikwi, yakaita sekuti ndakundikana ndisati ndaedza. Kuumba nhamba yekurega basa kunonzwisisika kune vamwe vanhu, asi kune vamwe, zviri nyore kufunga nezvekuchengetedza ichiti $ 200 pamwedzi kana 6% kusvika 10% yemutengo wako wegore negore (kuchengetedza 18% ndiyo chinangwa icho Centre reRetirement Research rinorumbidza). Dzimwe nyanzvi dzezvemari dzinoti chinangwa chokuchengetedza kanenge ka12 nguva yako yemahora ikozvino. Kana uri kungozviwana nemari, zvakakosha kuchengetedza izvo unogona pane kuronga nhamba yakadaro isingakwanisi yaunopedzisira usina kuchengetedza chinhu.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.