Maitiro Ako Ngozi Yako Yakagadziriswa Mutengo Wokudzoka Kuzvipuriro Zvako Kusiyana Nezviripo
Kunyange zvazvo pfungwa yacho pachayo isinganyanyi kujekesa - hapana mitemo - kuisa mukana wekugadzirisa dambudziko rekudzoka ndekudzivirirwa kwakakosha kuti vashandi vazhinji vangave vakachenjera kuti vashandise pavanoongorora mikana yakasiyana-siyana inowanikwa kwavari, pasinei nekutsvaga mune 401 (k), 403 (b), Simple IRA, SEP-IRA, Traditional IRA, Roth IRA, Roth 401 (k), kambani yekutengesa , kutenga motokari, kana kutanga bhizimisi idzva.
Dambudziko reNjodzi-Kuchinja Mutengo Wokudzoka
Chinhu chinonyanya kushandiswa shure kwekushandisa njodzi-yakagadziriswa mutengo wekudzoka ndeyekuti haugone kutarisa zvinokwanisika zvekutsvaga kupi zvayo uye kungovaisa pasi kubva kune yakakwirira kusvika kune yakaderera maererano nekunakidza. Chikonzero ndechekuti zvinoita kuti "juice" inobatsira kuburikidza nekuita zvinhu zvisinganzwisisi benzi, zvakadai sekutora mungozi dzisina ngozi dzisingakwanisi kubudirira, kana kushandisa zvinyorwa zvakadai sekukwereta mari yakawanda yemari kana kutengeserana muzvinhu zvichibva pamakwenzi emisika zvinopesana nehutengo hwemukati.
Mune mamwe mazwi, kana iwe waive ne $ 10 000 kuti uwane mari uye Potential Investment AAA yakapa 10% pagore, kana $ 1,000 pfuma pamagumo emwedzi gumi nemaviri, uye Potential Investment FFF yakapa 40% kudzoka, kana $ 4,000 purogiramu pakupera kwemwedzi 12, iwe vangangodaro vanoenda kune avo vekupedzisira pakutanga. Kana iwe waiziva, zvakadaro, kuti Investment AAA ine 2% chete mukana wekurasikirwa zvachose uye Investment FFF yaiva nemikana ye 60% yekurasika kwakakwana, kuongorora kwako kwaizochinja.
Panotaridzirwa nehutano hwekudzorera, zvinonzwisisika kuti Investment FFF (iyo yatinofanira kunge inoshevedza kuti "Kufungidzira FFF" sezvo isingatumidzi kudyara) haisi nguva 4 inofadza pasinei nekupa mukana wekudzorera 4- dzimwe nguva sepamusoro.
Zvechokwadi, akapiwa mitemo yepamusoro yekuda, Investment FFF haisi kunyange gumbo rakachenjera (kuti uone kana iri, iwe unotora pfuma inowanikwa, munyaya iyi, $ 4,000, uye uiwanise nematambudziko ebheji iri kuuya nyasha dzako, kana kuti 0.40 zvichiita mu $ 1,600.
Ichocho, iyo inofanirwa zvikuru iwe unofanirwa kunge uchida kuisa pangozi yehutano hwakadaro-hunoderedzwa hwekudzokera huchava $ 1,600, kwete ye $ 10 000. Kana iwe ukabuda mberi, yakachena, tsvina-isina iwe wakangwara.)
Kune mufananidzo wezvinotaridzirwa neizvi munyika chaiye, tarisa nyaya yandakaita yandakaita paGT Advanced Technologies kubhadhara. Paiva nevamwe vanhu vaifungidzira pamusoro payo zvakanyanya zvakarasikirwa nezvose, vachitarisa chete pane zvakanakisisa-mamiriro ekupedzisira uye kwete pamatambudziko-akachinja maitiro.
Iyo Inopesana Kubva Munhu Munhu
Nhamba iyo iwe unoshandura nayo mhedziso yakakwana yemari yegore rekudzoka (kana CAGR) yehuwandu hwekugadziriswa kwengozi inotaridzika zvakakwana pamari yako yemari, kushivirira kwengozi uye chido chako chekubata chigaro kwenguva yakakwana kuti misika iwanezve muitiko iwe wakakanganisa. Uyezve, mamiriro ako emitero; kusanganisira mari yako mukana , pakati pezvimwe zvinhu zvinoshanda. Semuenzaniso, kana iwe wakatarisa chikamu che55% chekubhadhara mutero musarudzo yemasisita , uye 12% muzana pfupi penguva yebhizimisi rekutengeserana, asi wakazviwana iwe uri 35% bracket mumatare 7.8% kudzoka, iwe unogona kusarudza kuti kuwedzera kwekuwana 2.3% kuwana hakukodzeri dambudziko rinowedzera rekutsvaga muzvikwata, zvichienderana nehupfupi uye nekusvika kwenguva refu zvisungo.
Imari imwechete kune mumwe munhu mu 0% kana 15% yebhasikiti yemutero, zvisinei, inoshandura zvigadzirwa kuitira kuti shamba ipe huri nani huri nani hwekudzoka kwekudzoka nokuti vari kubhadharwa pazinga rakakwirira.