Nzira Iyo Inyanzvi Inofadza Inogona Kuita Kuti Uve Vakapfuma kuburikidza neInvest Investments
Muchirevo chisinganzwisisiki, chidimbu chechidimbu chinoreva kuti iwe unotanga kuwana mari inowanikwa mubereko yako inowanikwa mubereko, zvichiita kuti mari yako iwedzere pamutambo unogara uchikurumidza.
Mune mamwe mazwi, kana iwe une $ 500 uye ukawana 10% mune zvekufarira, une $ 550.
Zvadaro, kana iwe ukawana 10% yezvaunofarira pane izvozvo, iwe unoguma ne $ 605. Uye zvakadaro nezvimwe zvakadaro kusvikira uine mari yakawanda kwazvo yemari.
Ndicho chikonzero chekubudirira kwevanhu vose muForbes 400 rwandu, uye ani zvake anogona kushandisa zvinyorwa kuburikidza nehurongwa hwekuisa mari. Benjamin Franklin aiva mukurumbira akatsanangurira vanhu kuti ndiyo ndiyo nzira yakanakisisa yaaiziva yekufuma .
Zvinhu Zvitatu Zvinogadzirisa Zvaunofunga Zvokuda Kwako
Zvinhu zvitatu zvichaita kuti uwedzere mari yako. Izvi ndezvi:
- Inhara yekutambira iwe yaunowana pane yako yekutsvaga, kana purogiramu yaunowana. Kana iwe uri kuisa mumatanda , izvi zvingava zvako zvakakwana zvakabhadharwa kubva kune mari yaunowana uye zvikamu .
- Nguva. Kana yakanyanya mari yako inogona kuramba isina kudzivirirwa, iyo yakakura iwe pfuma yako inogona kukura. Hazvisi zvakasiyana nekudyara muti. Zvinonzwisisika, muti unozove wakakura kana wava nemakore makumi mashanu kudarika zvawakanga uri paaiva nemakore makumi maviri.
- Mutero wekutere , uye nguva yemutero, iwe unofanirwa kuripa hurumende. Iwe uchapedza nemari yakawanda kwazvo kana iwe usingafaniri kubhadhara mitero zvachose, kana kusvika pakuguma kwekuwedzera kwenguva nguva pane pakuguma kwegore negore. Ndosaka mabhuku akadai seChechi yeIra kana Roth IRA , 401 (k) , SEP-IRA, uye yakadaro yakakosha.
Chikamu Chidimbu uye Nguva Yemazuva Emari
Iko pfungwa yekugadzirwa kwechikwata ndiyo nheyo yenguva yakakosha yemari , iyo inotaura kuti kukosha kwemari kunoshandura kune munhu zvichienderana nepo painogamuchirwa. Kugamuchira $ 100 nhasi kunoshandiswa kuwana $ 100 makore akawanda kubva zvino. Pashure pezvose, kana iwe uine icho muruoko rwako pakarepo, unogona kuzviisa kuti uwane zvikwereti nemari inowanikwa . Mushure maizvozvi, unogona kuzvipedza pazvinhu zvaunoda, unogona kubhadhara chikwereti chako kuderedza mari yako yekutora, kana iwe unogona kuipa kune rudo. Nekudzokorora kubhadhara kwe $ 100, uri kurasika chimwe chezvinhu zvezvematongerwo enyika kutumira mukana wekana .
Paunodzidza pamusoro pekukosha kwemari yenguva , uchadzidza mazano ekukuratidza kuti ungaverenga sei chidimbu chechidimbu. Izvi zvichakupa simba rekupindura mibvunzo yakadai sekuti, "Kana ndichida $ 1 mamiriyoni ekurega basa kwemakore makumi matatu kubva ikozvino, uye ini ndinogona kuchengetedza $ 800 pamwedzi uye ndinowana 8% pagore pane zvandaiita, ndichasvika pakudzoka kwangu here?" kana kuti "Ndiri kuisa $ 12,000 pagore mugore rakasiyana-siyana randinotarisira kuwana 7% kwemakore 18. Inenge yakakodzera zvakadini, kana ndagadzirira kubhadhara mari yacho?"
Chidimbu Mufaro Zvitsva Kupfuura Nguva
Nzira yakanakisisa yokunzwisisa idzi pfungwa ndeyokuisa mukati mefurasi yemuchina wekufarira inokuratidza kuti hupfumi hwako hunogona sei kubatsirwa, kana kudziviswa, nekudukusa kudarika kwenguva.
Fungidzira iwe une muweti anopa mari ye $ 10,000. Tarisa mazana echinhu chechidimbu chechidimbu pasi pepeji kuti uone kushandiswa kwenguva uye chiyero chekudzoka pane pfuma yake yepamusoro. Kana ukangonzwisisa izvi, zvinova pachena kuti kuchengetedza mari moga hakutsananguri kuti nei vamwe vanhu vane fuma huru kune vamwe.
Semuenzaniso, ane makore makumi maviri nemakumi maviri anobayira $ 10 000 nhasi uye anoiisa mubhadharo yemari yeHaimari, achiwana 4% muvhareji yemakore makumi mashanu anotevera, achazviwana aine $ 71,067 kana kutenga kunenge kwaitwa kuburikidza nenhoroondo isina mutero yakadai se Roth IRA . Kudai akaisa mari mumatanda uye pfuma , achiwana 12% muzana wekubhadhara panguva imwe chete, angadai akapera ne $ 2,890,022. Kuwedzera zvikwata zvepamusoro zvakadzoka zvinokonzera kudarika ka40 pesa mari nekuda kwesimba remakondomu.
Kana izvozvo zvisingaiti kuti iwe uwane nguva yekudzidza pamusoro uye kunzwisisa nekuita mari inokodzera kushanda, ini handizivi kana chimwe chinhu chingazoitika.
Usagumburwa Muedzo Wekuedzwa Kuwana Kudzoka Kwadzo Kupfuura Nengozi Dzakakwirira
Rimwe rinotarisa pazvikamu zvechirongwa chechidimbu uye iwe unogona kuita chero chii chinotora kuti uwane huwandu hwekudzoka-munyaya ino, 16%. Izvozvo zvinogona kuva nengozi. Kunze kwekunge iwe uchiziva zvauri kuita, hazvina mhosva kuti iwe uri kubudirira sei munzira, iwe unogara uchinge usingadi kukwanisa kurasikirwa nemari yako yose. Mune mari, 20%, 40%, 60% anodzoka mumakore ekutanga akaisvonaka, asi kana pane -80%, -90%, kana -100% imomo kune imwe nzvimbo , iri mutambo pamusoro pekuti iwe uchange warasikirwa nemari yako . Pasina mari, iwe haugoni kuita zvikwereti izvo zvichazotevera kukura.
Bhenjamini Graham , anozivikanwa saBaba vekukosha Investing, aiziva nezvekuisa pangozi iyo paakati mari yakawanda yakanga yakarasikirwa kusvika kune zvishoma zvekudzoka kana kuti kubvumira kudarika zvakarasikirwa nekufungidzira. Akanyevera kuti ihwo humwe hwekuedza kukuru kune vashandi vezvekushambadzirana vanotarisana pavanenge vachigadzira chikwereti .
Compound Interest Tables - The Value of $ 10,000 Inowanikwa muLump Sum
| 4% | 8% | 12% | 16% | |
| 10 Makore | $ 14,802 | $ 21,589 | $ 31,058 | $ 44,114 |
| 20 Makore | $ 21,911 | $ 46,610 | $ 96,463 | $ 194,608 |
| 30 Makore | $ 32,434 | $ 100,627 | $ 299,600 | $ 858,500 |
| 40 Makore | $ 48,010 | $ 217,245 | $ 930,510 | $ 3,787,212 |
| 50 Makore | $ 71,067 | $ 469,016 | $ 2,890,022 | $ 16,707,038 |