Zvimwe zvakagadzirirwa zvivako zveAngland zvakakura, zvimwe hazvina zvakawanda.
Mitauro yeGedicated Accounts
Imwe nyanzvi yemari yekutsvaga mari inogona kutarisira chikwereti chematokisi , iyo inowanzotumidzwa se "nhoroondo yakagadzirirwa zvakasiyana." Imwe nyanzvi yekubvisa mari inogonawo kugadzirisa chikwereti chemari pamwe chete; kana iyi yekubatana mari yekuchengetedza mari inobatanidzawo mari yekubhadhara mari inonzi "kuvhara account."
Mutungamiri wezvemari anogona kukurudzira iwe kuisa mari yako mumakero maviri akachengetedzwa zvakasiyana uye kuvhara maakaiti, pane izvo zvingave iwe uri kubhadhara zvikamu zvakasiyana-siyana zvekubhadhara mari.
Mitero muAkatevedzeri Akagadzirirwa
Miviri yemari inogona kuita kuti mhando yakashata yekambani yakachengetedzwa inodhura zvikuru; yeuka mari yakakwirira, yakaderera inodzokera kwauri. Kudyirwa kwekutsvaga kwekutsvaga haisi yekushumira apo kubhadhara kune zvakawanda kunounza kudzoka kwakakwirira. Senyaya yechokwadi, yakaratidzirwa muhutano hwemari iyo yepamusoro iyo mutual fund mari, iyo yakaderera inodzoka kubva kune iyo mari ingangodaro iri.
Index yebhadharo inokwana pamusoro .10 - .35%. Izvozvo zvinoreva kana mupiririri ari kukwereta 1%, uye achishandisa mari yekuenzanisira mukati memabhuku, mari yose inoguma inenge inenge 1.25%. Izvozvo zvine musoro. Asi kana mutungamiri ari kushandisa mari yakakwirira uye kune zvakawanda zvekutengeserana nekutengesa mari, iwe unogona kugumisa kubhadhara mari yose ye2 - 3% pagore. Ndizvo zvakawanda!
Mitero muAtekete Akagadzirirwa
Nhoroondo dzakachengetedzwa zvakanyanya dzinowanzotengeserana dzinowanikwa mukati mavo zvinoreva kuti hazvisi kunyanya kubhadhara mutero, saka nokuda kwemari isingabhadhari mari inogona kunge isingakoshi mhinduro. Nhoroondo iyo chikwata chako nhoroondo yako, kana kuti kazhinji kacho kuchinja kwepodfolio yako, inobhadhara mari yepamusoro yekutengesa uye inokonzera mari yakakwirira yemutero iwe.
Izvi zvinoderedza mari yako yekutsvaga kubhadhara (kudzokera kwako mushure mekuteresa uye mari).
Kana uine mari mune zvisingashandisi mabhuku, kana mukubatanidzwa kwekurega basa uye kwete yekubvisa mari, zvadaro iwe unofanirwa kubhadhara kune mushure mekubhadhara mutero. Nhengo yakanaka yekugadzirisa mari inogona kuisa zvikwereti zvinokonzerwa nemitero mumakambani ako asina kubhadhara uye kubhadhara mitero isina kukwana mumakosheni ako ekurega . Icho chinhu chinonzi "asset nzvimbo." Kana izvi zvikaitwa zvakanaka, tsvakurudzo inoratidza kuti inogona kuwedzera zvakanyanya mushure mekubhadhara mutero.
Kuwana Mazano Akanakisisa Akagadzirirwa
Mhando yekuita mitero yako, iwe unogona kuzviita iwe pachako, kana kubhadhara mumwe munhu kuti akuitire iwe. Zvauri kubhadhara ndeumwe munhu achavaka kugadzirisa kwakakodzera, sarudza mari shoma yekuzadza izvo zvakagoverwa, kuichengetedza, kugadzirisa kana zvichidiwa , uye kurondedzera pamusoro pemigumisiro kuitira kuti uzive chikamu chako chekudzoka gore negore.
Iwe unofanirwa kusarudza kana uri munhu-iwe-pachako kana kana iwe uchida kugovera. Vashandi vanofarira kutevera nzira yakarongeka - kuitira kuti pachako inogona kutungamirira kumigumisiro iri nani, asi kana iwe wakakwanisa kutevera iyo nzira yakarongeka iwe pachako, ipapo iwe uchazadzisa zvakafanana.
Kubata mumwe munhu hazvirevi kuti vachawana zvikwereti zvakakwirira kupinda iwe pachako iwe pachako. Zvinoreva kuti uri kuvaripira kuti vatevere kurongeka uye kusagadzikana kwekutsvaga kwekutsvaga uye nekuvaka chikwereti chakakodzera kwauri.
Kana iwe uchida kugovera, aya mazano achakubatsira kuwana sarudzo yakachengetedzwa zvakanakisisa:
- Teerera kutarisa mari yose. Kumbira kuongororwa kwezvinhu zvose zvekutengesa, mari yekubhadhara mari, uye mubhadharo wemari. Ita kuti mari yakazara inosvika 2% kana pasi pegore.
- Kana uine mari mushure mekubhadhara mari uye mabhizimusi ekurasira, tsvaga mazano avo vanogona kutora mushure mitefa.
- Kana uine mari mumhando dzakasiyana-siyana dzeakaunti, tsvaga mupi wezano kana kuti gwaro rakachengetedzeka rebhuku rinotarisira zvinhu zvako kune imwe imba, kwete pane imwe nhamba yekambani.
- Kana iwe uchida kugadziriswa kwekombiyuta kugadzirisa mari yako zvayo, tarisa dzimwe dzepamusoro roboadvisors.
Pasi pane mamwe mafungiro pane dzimwe nhepfenyuro dzinotungamirirwa nenzira yemubvunzo uye kupindura hurukuro nemumwe wevadzidzi vangu.
Mubvunzo: Ndezvipi zvamunofunga nezvekuvhara mari / gwaro rakagadzirirwa?
A. Inobva pane zvavari kuvhara uye rudzi rwemuenzaniso wavanotevera. Vari kuvhara hapana mutoro wekodzero yemari uye kuripa 1% kana pasi? Izvozvo zvine musoro. Kana kuti ivo vanovhara mari yekubatana pamwe chete kana kuti vatariri vemashekero nemari yakazara mumatare e 2-3%? Vari kutarisana neveimba, vachiisa zvikwereti munyaya dzebhuku nenzira inobhadhara mitero, kana kutarisira sarudzo imwe neimwe seyoyo yakasiyana here? Kune dzimwe nzira dzakawanda dzekupa kuvhara / kuchengetwa mari dzeakaunti sezvo pane mari yekutengeserana, saka zvakaoma kupa zvakawanda kupfuura mhinduro chaiyo. Zvakanaka, mari yako inotarisirwa pamhuri - kwete nhoroondo neakaunti. Kutora imba yakazara maonero kunogona kubatsira zvose kushanda pamwe chete kune chinangwa chakafanana.
Q. Ndinokutendai zvikuru zvikuru kuti mudzoke neni, saka ndinoonga! Zvakaoma kuvimba nomumwe munhu zvakakwana kana vane mari yemutambo. Ndinoda rollover 401 (k) muIRA . Mari iyo inosvika 1.25% muzvinhu, uye ivo vari kundida kuti ndiende nemapepati akakwanisa avo vanogona kunyatsogadzirisa ini ne Morningstar kana Curion. Ndakabvunza pamusoro pemari pamwe chete, uye vakati vaizoenda nenzira iyo kana ndaida. Hazvive nechokwadi chekuita chii - kufungidzirwa Vanguard nekuita pasina-mutoro wekugadzirisa mari ini ndoga, kwete nechokwadi kana ndine nguva kana unyanzvi, asi handidi kurasikirwa nemari kutakura nemari yakakwirira. Ndezvipi zvaunofunga?
A. Zvakanaka, zvichienderana nehuwandu hwemari huri kutaura nezve 1% - 1.25% yakaisvonaka. Iwe unogonawo kuwana mishandirapachena paIndaneti iyo inozovaka mapurisati zvishoma, dzimwe nguva inotenderera .50% kana kunyange yakaderera. Vakawanda vanobhadhara mari yevashandi vanobhadhara pamusoro pe1%, kushandisa mari yekuenzanisira, uye vanogona kupa humwe mazano ekugadzirisa pamwe chete nemabasa ekuchengetwa kwemari. Kana iwe usina nguva kana unyanzvi, handikupi mazano kuzviita iwe pachako. Pasingazivi urongwa hwako hwose hwemhuri ini handizivi kana mazano avo anonzwisisa, asi zvose zvamakagovana zvinonzwisisika.