Mari yekubhadhara mari inogona kutarisirwa, kushanduka, kana kuvimbiswa.
Usati warega basa, iwe unofanirwa kuisa mari yako kuitira kuti ipe mari yakatengeswa yezviwanikwa. Dzimwe mhando dzekutsvaga mari inowedzera kuvimbika kune vamwe. Kana zvasvika pakubhadhara mari, pane nzira dzakasiyana-siyana dzaunogona kutora pamusoro pekushandisa mari yekugadzira mari.
Ndinoona zvichibatsira kuputsa mararamiro emari inowanikwa muzvikamu zvitatu: zvinotarisirwa, zvakasiyana, uye zvakavimbiswa.
Chimwe nechimwe chine zvinobudirira uye zvakashata.
Inotarisirwa Investment Income
Mari inobhadhara kubva kuhutano hwekambani uye chikamu chemari inowanikwa kubva mumatokari mienzaniso miviri yakanaka yekufungidzirwa kushandiswa kwemari. Izvi zvinowanikwa mari inogona kuvimbwa mumamiriro ezvinhu akawanda, asi hazvina kuvimbiswa. Iwe unogona kugadzira chinyatsochengetedza chinyorwa chekubvisa mari yekubhadhara mari nokutenga chikwereti uye chikamu chekubhadhara mari yekubhadhara, kana kutenga nekutengesa mari iyo ine zvikwereti zvakadaro.
Mari inobhadharwa inoumbwa nehutano hwekambani uye mari inobatanidza iyo inowedzera muhutano hwekambani, uye nezvikwangwani zvekuisa mari, mari yemusika mari, mari yakawanda yezvibereko, zvikwereti kubva kutengesa yakavharwa kushanyira mafoni, pamwe nemari inogamuchirwa kubva pakuita zvikwereti zvemari, zvakadai kana iwe uchitengesa pfuma yauri iwe pachako uye unotakura chikwereti chemuti wacho. Mari inowanikwa, iyo yakadai inobhadharwa nehutano hwekambani, inobhadharwa pamutero wako wekubhadhara mari.
Mari yemari inopiwa inobhadharwa nematokari, mari yemari inenge ine zvikwereti, uye nemari yakawanda yekuvhara iyo inoshandisa hurongwa hwekugadzirisa chikamu. Mari inoparidzika inouya nenzira yezvakakodzera kana zvisingabatsiri zvikamu. Kunyanya mabhizimusi ekutengeserana eUnited States vanobhadhara zvikwereti zvakakodzera Zvikwereti zvinokodzera zvinogamuchira zvakanakisisa mutero wekubhadhara, sezvo vari kuteresa mutero mumwe chete wekutengesa sekugara kwenguva yakareba kuwanikwa, iyo inopera pasi kudarika mutero wemutero unowanikwa.
Vanhu vazhinji vanogadzirira pavanotora mari, vachitenga chikwereti chemari inobhadhara mari, uye vachirarama kubva kune vanofarira. Izvi zvinogona kushanda, asi kune zvinhu zvakawanda zvekuchengeta mupfungwa.
- Kuwana mari inowedzera zviwanikwa sematokari kunogona kuderedza chikamu chavo chekubhadhara chikamu. Kana izvi zvikaitika, mutengo wekugovera uchaderera.
- Zvikwereti zvinogona kutadza, kana kuti pavanokura iwe hazvikwanise kutenga zvisungo zvitsva nehuwandu hwechikwata uchikwirira semari yekare yawakagamuchira.
- Kuita zvekutsvaga hakukwanise kubhadhara mari yakakwana kuti usangane nemari yako yaunoshandisa pakurega.
- Zvinogona kuva kuedza kuenda kune zvikwereti zvakakura zvezvibereko. Izvi zvinouya nezvengozi dzakakwirira. Mukuwedzera, imari yakawanda ine zvikwereti zvakakwirira ine mibairo yakakwirira nokuti nega rega kugoverwa ivo vari kudzoka mumwe mukuru.
Vazhinji vakasiya mari vasati vaisa pfungwa yekusiya mari yakawanda kune vagari venhaka vanogona kuva nehupfumi huri nani kuburikidza nekugadzira hurongwa hunovabvumira kuti vashandise vamwe principa l kuwedzera kune mari yavo yekutsvaga. Urwu urongwa hwerongwa hunoshandisa "kudzoka kwese" nenzira pane kungofanirwa kurarama chete kubva pamari yekutsvaga inogadzirwa.
Variable: The Total Return Approach
Imwe nzira yekuumba mari yekurasira mari ndeyekuvaka mari yese yekudzoka inosanganisira mari, yakagadziriswa mari, uye yezvikwereti.
Nenzira iyi iwe unovandudza mararamiro ezvinyorwa uye iwe unogadzira chikwereti chako kuti chienzane nemuenzaniso. Semuenzaniso, inowanzoita basa rekushandira mari yekutsvaga mari inogona kudikanwa ne5% mumari, 35% muzvikwereti zvakagadziriswa, uye 60% muhutano.
Mari uye mari yakasimbiswa inoumba chikamu che "chikachengeteka" chenyaya yako. Vachaita kuti mari yekutsvaga ikozvino iwane maitiro. Izvo zviyero zvinoumba chikamu chekukura chepodfolio, iyo inobvumira nguva yako yekutsvaga mari inowedzera nehuwandu hwekuwedzera.
Pane mitemo yekuregererwa iyo inofanirwa kuteverwa paunenge uumba rudzi urwu rwehupfumiro kuitira kuti usapedza nguva yakawanda zvakare. Imari inowanikwa ichasiyana kubva gore negore, asi iwe hausi kuzovimba nemari chaiyo iyo pikorodho inogadzira gore negore. Pane kudaro, nzvimbo yacho yakagadzirirwa kuti ibudirire chinangwa chekudzoka, uye iwe uchagadzirisa huwandu hwekutora huri pasi peiyo chinangwa kudzoka.
Kana iwe usingadi kuumba purofisi yako, unogona kukwereta mutariri wezvemari , kana kushandisa mari yekubvisa mari. Kubhadhara mari yemari mari inowanzoenderana nekudzoka kwese kunosvika.
Zvose kudzokera sarudzo zvinobudirira kana iwe uchikwanise kusiyanisa mahofisi ako emapatoti uye udzokezve shure kune zvaunotarirwa zvinowanikwa kamwechete pagore. Sangano rekudzoka rose rinogona kuve rakasungirirwa pamusoro penheyo yemari yakagadziriswa. Mari yakachengetedzwa inoumba kuchengetedza kwekuchengeteka; iyo inogona kuva yakakosha zvikuru kune rugare rwepfungwa mukurasira.
Vimbiso Yakawanikwa
Kutsigirwa kwekutsinhaniswa kwekutsvaga mari ndeyekuti zvinonzwika sei; mari inosimbiswa nehurumende yeUnited States kana kambani yveshuwarenzi. Imari yakachengeteka sezvivigiro zvekuisa mari, kuchengetedza mari yepfuma, uye kugadziriswa kwemari inoshandiswa ndiyo inonyanya kugadziriswa kwekuchengetwa kwekutsvaga mari.
Imwe njodzi yekushandisa mari yekuchengetedza chete yakachengetedzwa ndeyokuti chido chekufarira chinoderera zvikuru. Imari yakachengeteka inoshandiswa kubhadhara mari yakawanda yezvibereko, iyo yakaita kuti zvive nyore kuvimba navo kuti vawane mari yekusimwa mukurega basa.
Pane nzira dzakasiyana-siyana dzaunogona kutenga mari yakawanikwa inogona kuverengwa pa:
- Nzira yakakosha yekutenga yakachengetwa mari yekutsinhanisa ndeyokutenga annuity.
- Iwe unogonawo kunonoka kutanga kweSocial Security yako kuitira kuti uwane mari yakawedzerwa yakawanda gore negore kubva pazera remakore makumi manomwe.
- Vashandi vako vanotsigira chirongwa chepenjeni vanogona kukubvumira kutenga makore ekushandira kuitira kuti iwe uwane ruzivo rwepamusoro.
- Iwe unogona kutenga zvigwaro zvekuisa mari, kana hurumende dzehurumende dzinokura gore negore nemari yakabatanidzwa kune zvaunofungidzirwa kushandisa mari yako gore iroro.
Mari inogutsikana inoita nheyo yakanakisisa yehutano hwakakwana hwekusarirwa mari.
Panzvimbo pokushandisa nzira imwe chete, kazhinji nzira yakanakisisa yekuita muhutano ndiyo inosanganisira marudzi akawanda emari yekuwana mari.