Usaisa zvidzidzo zvako kubva pamari yako
Chimwe chikamu chakanyanya kuoma pamusoro pekurayira basa ndechekuti mutemo mukuru wegumbo unotarisana nemari yakawanda yaungada kubhadhara inotarisa kuratidza huwandu hwekuwana mari.
Izvi zvinounza matambudziko akawanda kune avo vanoedza kuronga kuti vashandire basa.
Semuenzaniso, nyanzvi dzakawanda dzezvemari dzinoti iwe unoda kudzorera pakati pe 70% kusvika ku85% yemari yako yekusati yatora mari. Saka kana iwe ukawana $ 100,000 pagore, chinangwa chako chinofanira kunge chiri kuumba zvakakwana mari yekubvisa mari yaunokwanisa kurarama kune imwe nzvimbo pakati pe $ 70,000 kusvika kune $ 85,000 pagore.
Chinetso Chokugadzirisa Zvaunowana Mubasa Rekusiya Basa Rinowanikwa Parizvino
Zvinosuruvarisa, rudzi urwu rwekutonga kwechigunwe hahubatsiri kuvanhu vari mumagariro ekutanga emabasa avo. Kana uri mumakore makumi maviri nemakumi matatu kana makumi matatu, iwe unogona kunge uchiwana mari yaunofanirwa inoratidza chikamu chekupinda muhomwe.
Kunyanya, kana iwe uri pakati pebasa rako uye ukasarudza kuita basa rekuchinja, iwe unogonawo kuwana nguva shoma yekuwana mari.
Kana usingazivi kuti mari yako yepakutanga isati yasvika, iwe ungaita sei zvikwereti zvakaenzana nemari yaunoda munguva yemakore ako ekukwegura?
Rimwe Dambudziko: Ko kana Iwe uri Muponesi?
Tisati taita mubvunzo uyu, ngatitaurirei imwe dambudziko ne "shandisa mari yako" kutonga kwechigunwe. Zano iri rinofunga nezvekufungidzira kuti iwe unopedza huzhinji hwemari yako.
Pashure pezvose, kana iwe kazhinji uchichengetedza 10% kusvika ku15% yemari yako yekusunungurwa uye zvichida imwe 10% kusvika ku15% yemari yaunowana kune dzimwe nyika isiri yekusasirwa mari yekuchengetedza, ipapo zvinoreva kuti iwe wakapedza pane imwe nzvimbo inenge 70% kusvika 85% yemari yako.
Zvinonzwisisika pasi pechigadziro chaicho chemamiriro ezvinhu kuti kana iwe ukashandisa huzhinji hwezvaunoita uye iwe usatarisiri kuti mari yako yekushandisa ichinje chero panguva yekurega, ipapo iwe unoda kuumba mari yakakwana zvokuti zvinhu zvose zvingaramba zvakafanana . Izvi zvinoratidzika sechinhu chisina kunyatsofungidzira.
Hazvirevi mhaka yokuti vanhu vanopedza zvizhinji zvezvavanoita. Vamwe vanhu vanopedza zvakawanda kupfuura zvavanowana, vachipedzisira vaine kadhi rechikwereti chikwereti , asi vamwe vanopedza zvishoma kudarika mari yavanowana.
Ichi ndicho chechipiri, uye zvichida chinonyanya chikonzero chinokonzera kuti uite kuti uite basa rako rekurega basa pane zvaunowana kunze kwekuti yako mari inogona kunge isiri yakakosha yekugadzirira.
Ndeipi mhinduro?
Funga nezvekushandisa mari, kwete mari
Ndinoda kukurudzira kuti iwe uise maitiro ako ekurega basa pahutano hwako hwekushandisa panzvimbo yezvaunowana. Izvi zvinogadzirisa zvose zvinetso zviviri zvakataurwa pamusoro apa.
Iye zvino nezvo zvataurwa, ichokwadi zvakare kuti kushandiswa kwako pakurega basa kuchave kwakasiyana nekushandisa kwako nhasi. Mukugara, semuenzaniso, iwe unogona kunge usina mari yekubhadhara mari . Vana vako vanogona kukura nekugara vari voga, uye iwe hauchazovatsigiri. Zvinodhura zvakabatanidzwa nebasa rako zvakadai sokuchengetwa kwevana, zvipfeko zvebhizimisi, uye kuendesa mari zvinodzingawo.
Izvo zvataurwa, iwe unogona kuva nemimwe mari yausina nayo nhasi. Zvinyorwa zvepamutemo zvepasipo uye zvekurapa zvinogona kunge zvakanyanya kunetseka. Iwe unogonawo kubuda kunze kwezvinhu zvinoita kumba-zvakabatana iwe zvaunozviita iwe sekuchenesa gitare, raking mashizha, kana shando yechando kana uri mumakore makumi manomwe nemakore makumi manomwe.
Iwe unogonawo kusarudza kufamba zvakawanda , uchishandisa kurasikirwa kwako kuti uongorore zvinhu zvinokuvaraidza zvausingazokwanisa kuita mukati memakore ako ekushanda.
Zvose izvi zvinotitungamirira kune wechipiri inary, izvo ndezvokuti kana mari isiri iyo isiri yakakodzera yekugadzirisa mari yakawanda yaunofanira kuva nayo muhotera yako yekurasikirwa, mari inenge isiri nzira yakakwana kana. Zvisinei, panzvimbo yeimwe nzira dzakanakisisa, mari inogona kuva yakanakisisa yekuenzanisira kwehuwandu hwehupiroti yako inofanira kuronga kuumba.
Kana tikabvuma chokwadi chekuti zvimwe zvamunoshandisa mari inozopera, asi dzimwe dzichakura, uye isu ticharatidza kuti ivo vari vaviri vanoshambidza, saka zvinonzwisisika kutaura kuti mari yaunoshandisa ikozvino ingangodaro inenge iri mari iwe unopedza panguva yako yekurega basa.
Mari Yaunoda Kuti Uite Basa Rako?
Iye zvino zvatakagadzirisa izvozvo, mari yaunoda kubvisa mari yakawanda sei ?
Heino mutemo wakafara wechigunwe: wedzera mari yako yegore yega yega 25 . Iko kukura kwako chikwereti chenyaya yako ichada kuve mukutora mari kuti iwe uchengetedze zvakachengetwa 4% zveyo chikwereti chegore rose kuti urarame.
Semuenzaniso, kana iwe ikozvino uri kushandisa $ 40,000 pagore, iwe uchada chikwereti chekutsvaga mari inowanikwa makumi maviri nemazana maviri akaenzana, kana $ 1 mamiriyoni pakutanga kwekubvisa kwako. Ichi chikamu chakakura zvakakwana zvokuti iwe unogona kubvisa 4% ye $ 1 mamiriyoni emadhipatimendi mugore rako rokutanga rekurega basa, uye iro rimwechete 4% rakagadzirirwa kuwedzera kwegore gore rose rinotevera, uye uchengetedze mukana wakakwana kuti hauzoperi mari yako .
Izvi zvingaita sezvinotyisa, asi kana iwe ukatanga kuponesa nokuda kwekurega basa paunenge uchiri muduku, sekutanga makore ako makumi maviri, iwe unogona kuunganidza $ 1 mamiriyoni mapepafero kunyange pamutengo we $ 30,000 kusvika ku $ 40,000 chete. (Ongorora nyaya ino nokuda kwekuparadzana kwakadzama kwemasvomhu mushure mekuva mamioneire pane $ 40,000 mubhadharo.)
Ko kana iwe uine nguva yekutanga nekuchengetedza?
Kana, zvakadaro, iwe uri kutanga gare gare muupenyu, usaora mwoyo. Chinhu chinonyanya kukosha chaunofanira kuyeuka ndechokuti nzira yakanakisisa yekubhadhara kuti uwane nguva yekupedzisira ndeyekukuvadza kugovera maakaunti ako.
Mune mamwe mazwi, chengetedza zvakawanda uye kuchengetedza zvakaoma . Nzira yekudzivisa, zvisinei, iri kuwedzera kukurumidza kwekutengesa kwengozi senzira yekugadzirira nguva yakarasika. Usapfuurira-kupa chikamu chemahofisi ako kumatokisi pamasana ekuti iwe unoda mari ye riskier yekubhadhara kwemakumi makumi emasere ekuchengetwa.
Mushure mezvose, njodzi inoshandisa nzira mbiri, uye kana izvozvo zvaizoshandura iwe, hauzove nenguva yakawanda yekuwanazve.
Tsvaga mari yakaderera yemari yakaderedzwa uye wakapararira zvikwereti zvako pakati pekusanganiswa kwakakwana kwemashamba uye zvisungo. Ramba uchienderera mberi uchiita izvi nguva dzose kuburikidza nezvose zvese zvebasa rako rekushandira nechinangwa chekuchengetedza makumi maviri nemashanu nguva yako yazvino yekushandisa nemusi waunotora basa.
Shandisa retirement calculators kuti uve nechokwadi chokuti uri munzira, uye usabhadhara zvakanyanya kune zvinotyisa mumashoko ezvemari. Iwe uri kutamba mutambo wenguva refu , uye kubatwa mumhepo yezuva nezuva yemusika kunongopedza chete kufambira mberi kwako.
Kana iwe uri kuchengetedza basa rekurega basa nekunonoka kwekutanga, tarisa nzira dzaunogona kuwedzera yekuwedzera mari yako kana kuderedza mari yako . Kana uchikwanisa, ita zvinosanganisira zvose. Heuno maitiro aya mazano anogona kukubatsira iwe kubhadhara gwa.
Dzorerai Zvokutora Mari
Mazuva ano, hazvisi zvisizvo kunzwa pamusoro pevanhu vari "hafu-retiring" kubva kubasa, zvichida nokuti havagoni kubhadhara zvizere, kana kuti vanoda kugara vakabatikana.
Kana iwe uine nguva yekupedzisira yekuponesa uye unoda kuwana zvakawanda kuti uite musiyano pakati pezvaunoda uye zvaunazvo, funga zvimwe nzira dzakasiyana usati wasvika "zvepamutemo" kubvisa.
Semuenzaniso, kana uchida basa rako, zvingava zvine musoro kuti ugare uye ushandise mari yekushandisa-inoshandiswa nemashandi pamwe chete nemigiro yekuwana-up kune yako 401 (k). Zvisingatauri, iwe unosvika kuti uchengetedze zvimwe zvekubatsira kwechinguva chiduku.
Zvichida haudi basa rako, asi iwe unoda munda waunoshanda nawo. Zvingaita here kuti ushande nguva yakawanda semuongorori kwemakore mashomanana apo mari yako ichiri kukura?
Zvichida haudi kurega kushanda zvakakwana, asi unoda kutanga basa rechipiri pane chimwe chinhu chawave uchida kwenguva yakati. Kana kutora mubhadharo kunokubvumira kuti uve munzira yekuzadzisa zvido zvekuchengetedza mari yako, ugoita rwendo rutsva mune imwe shandisi kwemakore mashomanana.
Dzorera Lifestyle muHorera
Zvichida iwe hauna kuwana nguva yekupedzisira nekuponesa asi haugone kushandura humwe humwe hutsva hunoita kuti uwedzere chikwereti chinoratidza mararamiro ako azvino ekushandisa.
Kana kuwana mari yakawedzerwa hazvibviri, saka iwe unogona kujekesa mararamiro amunoda kurarama mukurasikirwa.
Somuenzaniso, apo vanhu vazhinji vanofunga nezvekurega basa, vanofunga nezvekuzorora kusingagumi, nzvimbo dzinotyisa dzinotyisa, kugona gorofu, kana kutamba mitambo yemakadhi neshamwari.
Icho hachifaniri kunge chiri icho chaunotora basa chinotaridzika, zvakadaro. Kune nzira dzakawanda dzokudhura mari uye kuchengetedza mararamiro anofadza mukurasikirwa.
Panzvimbo yekuchengetedza imba iwe iwe parizvino iwe pachako, zvinogona kuita zvinonzwisisika kuderedza uye kubvisa kune imwe nyika isina mutero wemari. Iwe unogona kutora danho rinopfuurira uye wotamira kune imwe nzvimbo kune imwe nyika kune imwe nzvimbo inodhura-ye-yekugara. Iwe unogona kunyange kutora kuva mufambi wenyika uye kutengesa imba yako, kutenga RV , uye ona yose iyo US inofanira kupa.
Kune nzira dzakawanda dzekuita basa rekurega basa, iwe unongoda kutamba nemanhamba kuti uone zvaunokwanisa iwe. Saka kana $ 1 mamiriyoni epodfolio isati iri mune ramangwana rako, funga kuti chii, uye gadzirisa mararamiro ako kubva pane izvozvo.