Mazano ekuti iwe ungawana sei chibereko chakanaka
Kuderera kwekuderera kunokwereta iwe kubhadhara mari pamutengo wakaderera, uchitsigira kubhadhara kwepamwedzi kwepamwedzi uye kuderedza mari kune hupenyu hwechikwereti.
Kunyange zvazvo munhu wose anoda chido chakanaka, haasi munhu wose achafanirwa kune rimwe. Hewa nzira nhatu dzaunogona kuvhara muhutano hwekuda mari inowanikwa pane chikwereti chako chinotevera.
Ramba Uchinge Wakatora Mutero
Zvichienderana nezvikwereti chako, chido chekuda mari chinoshandiswa neThe Federal Reserve, mashizha emakambani, kana kusanganiswa kwemaviri. Apo hupfumi huri kuita zvakanaka, zvikwereti zvinowanzosimuka. Apo hupfumi huri kuita zvisina kunaka, zvakadai sepakati pematambudziko emari, mitero inowanzowa. Izvi zvinhu zvose hazvisi zvekutonga kwako, asi chikwereti chako chikamu chinhu chikuru mukugadzirisa chikwereti chako chekuda iwe unogona kuzvidzora.
Chikwereti chako chikamu chinofanira kunge chave chinenge 720 kuitira kuti uwane chikwereti chakanaka chinowanikwa. Kana zvisati zviripo zvakadaro, iwe unogona kuvandudza maranho nekubhadhara zvese zvezvikwereti nenguva, kupikisa zvikanganiso chero ipi zvayo pamushumo wako, kuchengetedza zviyero zvako pasi pamakadhi ose ekwereti, uye kushanda kubhadhara zvikwereti zvako zvose.
Zvinogona kutora mwedzi, kana isati yapera makore, kuvakazve yako chikwereti (kana kuisa chikwereti kwekutanga ).
Zvipe iwe nguva yakakwana mberi kuti uvandudze maranho ako usati waita chikwereti . Tora chikwereti chenhoroondo yako mwedzi yakawanda nguva isati yasvika ( yakasununguka ), uye kana nguva inopfupika bvunza nezvekurumidza kuchengetedza .
Tenga zvakapoteredza
Izvo chikwereti chimwe chinokupa iwe chinogona kusiyanisa zvakanyanya pane izvo kune umwe chikwereti anoita. Mishandirapamwe yekodheni , somuenzaniso, inogona kupa zviyero zvakaderera kudarika zvikuru, mabhanga enyika. Uyezve, kana iwe wakanga uine bhengi panzvimbo imwechete kwechinguva, tora zvinyorwa kubva kune iyo sangano kutanga. Dzimwe nguva mabhangi anopa maitiro akaderera kune vatengi venguva yakareba senzira yekutaura 'ndinokutendai' nekuita bhizinesi navo uye kuchengetedza vashandi vakanaka kubva pakatarisa kune imwe nzvimbo.
Kutenga kunotenga zvikwereti kunogona kukuvadza zvakanyanya chikwereti chako chikoro nokuti nguva imwe neimwe iwe ukakumbira chikwereti, chikwereti chako chinotora hit . Kuita kuti kuderedza kusakadza kwako, ita zvose zvaunotenga mukati kwenguva pfupi. Makambani ekuchengetera zvikwereti uye vanokweretesa vanokwereta vanoziva kuti vatengi vari kuda kutsvaga zvinyorwa zvakasiyana - ndizvo zvinokwereta savvy. Somugumisiro, chikwereti kuongororwa mhando inotarisa kumahwindo epanguva yaunotenga; chero bedzi iwe uchikumbira chikwereti chemusha kana chikwereti chemotokari, chikwereti chako chinongorohwa kamwechete panguva iyoyo pasinei nokuti unobvunza mibvunzo yakawanda sei.
Inguva yakawanda yei iwe unofanirwa kutengesa kunze kunze kwekutengesa mibvunzo? Izvo zvinoenderana nekwereti scoring model, asi iwe unogona kutarisira vhiki mbiri, uye iwe unogona kunge uine mazuva makumi mashanu (kunyanya kumakwereti emusha).
Cherechedza: Izvi zvinongoshanda kumusha uye nemari yemari. Chikwereti makadhi ekufambisa uye zvimwe zvikwereti zvichabata chikwereti chako chikoro chero nguva yaunoshandisa.
Tora Nguva Yakarurama
Kana uchinge wawana chikwereti, kazhinji chikwereti chakareba kwenguva refu chichava nechechi chechikwereti chinopfuura zviduku. Ramba uchifunga mupfungwa dzako, asi, kuti nguva refu yekubhadhara inoreva kuti zvichakutora nguva refu kuti ubhadhe chikwereti. Pakupedzisira, iwe unogona kubhadhara mari yakawanda mukudarika kupfuura iwe kana wakatora chikwereti chiduku nechepamusoro yekutora mutengo.
Izvo zvakashata zvinowanzoitika pane zvinyorwa uko iwe ungagadzira mari-yakafanana nechikwata chokuisa (CD) . Kana CD yemakore 1 iri pa 1.20% APY , unogona kuona ma-CD yemakore mashanu pa 2.25% APY. Kana uchikwanise kusunga mari yako kwenguva yakareba, iwe uchaita mari yakawanda pamaCD emakore akawanda.
Zvakanaka nguva dzose kubhadhara chikwereti nekukurumidza, saka kana iwe uchikwaniswa kubhadhara mutero wemwedzi wega wega, enda nemutambo wechidiki.
Unoda kuona nhamba iwe pachako here? Edzai zvimwe -kana zviitiko pane chikwereti chekukwereta .
Nekuchengeta chikwereti chako muchikwereti, kutengesa nekukwanisa kuwana nguva yakakodzera yekwereti yako, uri kuzvigadzirira iwe kuti uwane chikwata chakanaka chinowanikwa pane chikwereti chako chinotevera.