Izvi hazvifaniri kutishamisa. Mumashoko omushambadzi wezvakanaka Benjamin Graham, mari yakawanda yakarasika inosvika pakudzokorora zvishoma kudarika chero imwe yezvivi zvemari. Paunenge uchitaura nezvemari yausingakwanisi kuita kunze kwekunge iwe uchida kubhadhara denga pamusoro pemusoro wako, mari yekurapa, kugadzirisa motokari, kana mari yekuchengetedza yakaoma kana ukarasa basa rako, unofanira kuyeuka chii uri kuedza kuita.
Iyi "kuchengetedza" mari inofanirwa kuva nyore kusvika kwauri mumazuva mashomanana semazuva mashomanana, pane zvakanyanya. Inomiririra mari isingafananidzi kuti iwane kudzoka nokuti ine chinangwa chimwe chete uye iwe haugoni kutora ngozi. Imba yako inobatsira kukura pfuma yako.
(Muchirevo chisinganzwisisiki, "guru" ndiyo mari yawakagadzirira kuitira chinangwa chekuita mari yacho kwauri, kana kutenga mashizha ematoro mune bhizinesi, kutanga pamba yako pamba pamba kana kuisa mari muzvisungo zvemari.
Mari yaunoponesa pabasa kuburikidza ne 401 (k) kana 403 (b) hurongwa , somuenzaniso, inganzi inotora mari inotora mari.)
Njodzi dzakawanda dzemari dzinokonzerwa nekusarura kusina mhaka kubvuma njodzi yakawanda kupfuura iwe unogona kuwana. Kazhinji, inotanga nekururamisa sarudzo iwe pachako mumiganhu yekuti, "Ndinoziva kuti yakanyanyisa, asi inogona kunge yakanyatsoita zvakanaka." Izvozvo zvingava zvechokwadi katatu pane gumi asi kana zvinhu zvichienda kumaodzanyemba, zvinogona kuitika kuparadza, zvose zvemari uye manzwiro.
Ndekupi Kwaunogona Kupa Mari Yako Kubhadhara Mari
Icho chichiri kusiya mubvunzo iwoyo: Unofanira kuitei nemari yauri kuchengetedza kuitira kubhadhara kuripo? Kune nzvimbo shoma shoma dzenzvimbo dzakakodzera kuti uchengetedze mari yakachengeteka kusvikira iyo yasvika nguva yekutenga nzvimbo yako. Dzinosanganisira:
FDIC Yakatendesa Bhuku reBhangi
Izvi zvinosanganisira kuongorora maakare uye mabhuku ekuchengetedza mabhangi emabato eDICIC. Kwete chete iwe unogona kuwana mari yako nguva dzose pamabhadharo asingabhadharwi, kana bhangi yako ikundikana, hurumende ichakubhadhara iwe kusvika ku $ 100,000 (izvi zvakambomirirwa kusvika $ 250,000 per depositor kusvika December 31, 2013). Kune avo vanogara pasi pemiganhu, izvi zvinoita kuti vawane mari, sezvo vachizivikanwa mumhizha, zvisingataurirwi-pasina.
FDIC Zvikwangwani Zvichengetedzwa zveDhipatimendi (CDs)
Inopiwa neDDIC nhengo dzemari dzenharaunda dzakadai semabhengi akawanda emunharaunda, chikwangwani chekuisa mari inonyanya kushandiswa kwekodhi iyo iwe unokweretesa mari kubhangi kweimwe nguva yakatarwa, utaure mwedzi mitatu kana maviri, kuti uwane mutengo wakavimbiswa yekudzoka . Kazhinji, kana iwe uchibvumirana kusunga mari yako kubhangi, iyo inofarira kukubhadhara iwe.
Kana iwe usingadi mari yako kwenguva yakati zvingave zvakanaka.
Kana iwe uchida kuwana mari yako nokukurumidza kudarika kukura kuri CD, bhagheni inogona kukubhadhara iwe semwedzi mitanhatu yekufarira kufanirwa. Pamakambani ekukurumidzira maungada kuwanikwa munguva pfupi, izvi zvinoita kuti vasarudze kusarudzwa. Kana iwe uchiziva kuti haugone kutenga imba, taura, mwedzi mitanhatu, iwe unogona kuwana mamwe maonero akanaka nekutenga CD.
Bhizimisi reMari yeU.S.
Izvi zvinotarisirwa nehurumende yeUnited States iyo yakakura mune rimwe gore kana kuti zvishoma. Ivo vanoonekwa seimwe, kana isiri iyo, yakachengeteka pane dzose nzvimbo yekuisa mari yako. Izvozvo ndezvokuti Bhiri rimwe nerimwe reMari yeHurumende rinotsigirwa nesimba rose rekutengesa rehurumende saka, muchirevo, kusakundikana hakugoneki. Iwe unotenga mari yeHaimari yebhadharo pachinotora uye paunokura, unogamuchira "full value". Izvi zvinongonzwisisika kana iwe uine mari yakawanda yakatochengetwa kwekubhadhara pasi paimba yako.
Iwe unoda mari inenge $ 10 000 kana $ 20,000 kuti uite zvinoita.
Mari yeMakethe Inhoroondo-Asi Kwete Mari Mari Mari Mari
Nhoroondo yekakiti yemari pamabhenji ako ekumusha inogona kuva nzira yakanakire yekudzivirira mari yako uchiwana mari yakakwirira yakawanda yakatarwa maererano nekuwanda kwaunofanira kuisa. Nhoroondo idzi dzinowanikwa FDIC yakavimbiswa, ichidzivirira kubva kune zvinetso zvinogona kuitika kana bhenji yako ikakundikana.
Mari yekukoshesa mari, kune rumwe rutivi, inonyanya kuwirirana mutual fund type inoshandiswa inotenga marudzi ose emari yakaenzana nemari. Izvi hazviiti kuti FDIC inotsigirwa. Nguva dzose, nguva dzose, nguva dzose - ndaitaura nguva dzose - bvunza mubhengi wako kana kuti kwete yemari yemari yemari yako ye FDIC inopihwa. Kana iri, inofanira kunge iri nzvimbo yakachengeteka yekuisa pasi yako kubhadhara mari yekubhadhara. Kana zvikasadaro, usatombofunga nezvazvo.
US Savings Bonds
Sungano dzekuchengetedza kweUnited States dzinouya mumhando mbiri dzekutanga: The Series I kuchengetedza bond uye Series EE kuchengetedza bond . Zvose izvi zvine ruzivo rwakasiyana. Kana iwe uri kupfuura gore kubva pakushaya mari yako yekubhadhara mari, inopa zvikomborero zvakakosha nokuti vatengesi vanovimbiswa kuti havazomborasikirwa nemari. Izvo zviyero zvekudzivirirwa zvinokosha pakushanda nemari yaunoda, yakadai sekubhadhara mari yekubhadharira mari yekugara.