Kuwanda kwehuwandu hwekutsvaga mari, huwandu hwakawanda hwekusarudzwa kwekutsvaga, uye njodzi inotyisa uye inogona kukudzivirira kutora matanho ekutanga.
Hazvifaniri kunge zvakadaro. Iwe unongoda kuziva zvidzidzo zvishoma kuitira kuti utange kuisa mari mune ramangwana rako.
Maonero Anonyanya
Kutanga, mamwe mafungiro. Nyaya iyi inofunga kuti iwe une kadhi rako rechikwereti chikwereti pasi pekutonga. Hazvibvumi kuisa mari mumatanda, zvibvumirano, kana kubhadhara mari kana iwe uri nezviuru zvemadhora muchikwereti chekwereti chikwereti muzvikwereti zvinodarika zvinopfuura 10%. Iwe haufaniri kunge wakakwana zvachose usina chikwereti, asi iwe unofanirwa kunge uchiita zvakanyanya kupinda mune chikwereti chako mwedzi mumwe nomumwe, uye iwe unofanirwa kubhadhara mari yakaderera- mubhadharo pachikwereti ichocho.
Ichi chinyorwa chinotorawo kuti une mari yekukurumidzira kwemwedzi mitatu inokosha yezvinhu zvekushandisa zvekugara (zvichida mwedzi mitanhatu inokosha) kana pane basa rakarasikirwa, urema, nezvimwewo. Uye pakupedzisira, nyaya ino inofunga kuti kana wako waunoshandira akapa 401 ( k) uronga, uri kuwedzera kukupa kwako uye kusiyanisa mari yako muurongwa.
Ndekupi Kwandiri Kuwana Mari Yokushandisa?
Mubvunzo wekutanga kune vanhu vazhinji ndewokuti "ndinowana kupi mari yekuisa mari?" Kune zvakawanda zvekutengeserana kwemari inowirirana iyo inokubvumira kuisa mari ne $ 500 kana pasi.
Shandisa bhonasi yako inotevera kubasa, kana kubhadharwa kwemutero wako , kana kuisa mune imwe nguva yepamusoro kuti uwedzere mari. Kana iwe usingakwanisi kuuya ne $ 500 kuti utange chikwereti chako, mari zhinji ichakubvumira kuti urege kutora chikwereti chekutanga chekutsvaga iwe kana iwe ukasainira kuti uite zvinyorwa zvemwedzi wepamwedzi kubva kune $ 25 kusvika ku $ 50 kubva pakero yako yekuongorora.
Ndinosarudza Sei Imari?
Wakagadzirira kune dzimwe nguva dzekutsvaga mari. Unosarudza sei? Danho rokutanga nderokuti uzive zvinangwa zvako ndezvipi. Uri kuchengetedza imba here? Dzidzo yekoroji ? Kurega? Mhando yekusimudza iwe waunosarudza ichaenderana nehuwandu hwenguva inowanikwa usati waida mari. Nhandare inofungidzirwa kuti inotengeswa kwenguva yakareba , uye zvakanakisisa kuronga pane kuchengetedza mabhesi kana mari yekutengeserana kwemakore kwemakore mashanu kana kupfuura. Kana uchida mari yacho nokukurumidza kupfuura iyi, unogona kuderedza kudzoka kwako nekuisa mari iyo kukosha kwekoko kwaderera.
Ndinogadzirisa Sei Kutarisana Kwangu Nengozi ?
Zvadaro, unofanirwa kuziva kushivirira kwako kune ngozi. Kana iwe uchivanza mari yako pasi pemabatire ako nokuti hauna kuvimba nebhangi, iwe haufaniri kunge uchinzwa wakasununguka kuisa mari muzvinodhaka zvekombiyuta. CNBC's Investment Risk Test ingakubatsira kuziva kuti ndeipi dambudziko raunogona kutsungirira.
Ndinosarudza Sei Imari?
Iwe unosarudza sei kupi kuisa mari yako? Nyanzvi nyanzvi dzinokurudzira kuparadzira mari yako pamarudzi akasiyana-siyana emitemo yekuderedza dambudziko nokuti kazhinji imwe yekusimwa inoita zvakanaka kana imwe isingaiti. Semuenzaniso, kazhinji apo inodzoka pamatokari uye mari yekutengeserana mari yakakwirira, inodzokera pazvisungo zviri pasi, uye zvakasiyana.
Nokuva nemari mumarudzi maviri emari, iwe unowanzoita kuti uwane hutano hwakakwana hudzoka kana chimwe chikamu chinotora kuderera. Nhaka yako yekugoverwa inofanira kuenzaniswa nekutambudzika kwako kweruzhinji uye nhamba yemakore usati wadikanwa kubvisa mari kubva mumari yako.
Nekutanga kwevatengesi , tinokurudzira chikwata chekutengesa mari panzvimbo pezvikwata mumakambani ega. Sei? Zvose zvine ngozi. Imwe sarudzo yakasarudzwa inoshandiswa mari yakawanda haisi mungozi kudarika munhu wega wega nokuti mutengo wemari inowedzera mumakambani akawanda, saka kuparadzira dambudziko. Kana kambani imwe ikasaita zvakanaka, mari yacho yose inogona kunge ichiri nani kudzoka . Kana iwe uchitenga chikwata mune imwe kambani uye kambani inotadza, iwe unorasikirwa nemari.
Ndekupi Kwandinowana Mashoko Pamusoro Pezvitoro uye Mutual Funds?
Kana wangove wakagadzirira kutanga kusarudza mari yekuisa mari mukati mako, kune dzakawanda zveWeb site dzakakosha kukubatsira.
Chandinoda ndi Morningstar, iyo inoremekedzwa mutual fund company. Simba ravo Guru Sarudzo rinokubvumira kutsvaga mari imwe chete inobva pane zvinokosha kwauri. Somuenzaniso, kana iwe uchida rwandu rwemari inobvumira kushandiswa kwekutanga kwe $ 500 kana pasi, unogona kuvhara pabhokisi rakakodzera, siya mamwe mabhokisi ose akadaro, uye iwe uchawana urongwa hwemari inobvuma kutengesa kwema $ 500 kana kuti zvishoma, neYTD yavo inodzoka, mari inoshandiswa (iyo yakawanda yehutungamiri nedzimwe mari zvinoshandiswa nemutariri wezvikwama kubva pakudzoka kwako gore negore), nguva yavo yeAmastain, uye nezvimwe. Dzvanya pazita rega rega rega uye uwane ruzivo rwakakwana pamusoro pesangano iroro.
Kana ukasarudza mari yaunonzwa wakasununguka nayo, shandisa nhamba yavo 800 uye unokumbira prospectus (tsanangudzo yemari, mari yayo, uye zvadzo zvinowanikwa kare) uye chikwata chemari. Zadza fomu, tumira mumari yako, uye voila! Iwe uri murima.