Tarisa Kudhura Kwakaderera
Sezvo kune mari inopfuura 11 000 yemari pamwe chete pamusika, zvinogona kuva zvakaoma kuziva kuti ndezvipi zvakakodzera kushandiswa mukurasira.
Chimwe chinhu chinokosha chatinofanira kutarisa ndechokudhura kwemukati kwekambani yekubatana, iyo inonzi inodhura chiyero.
Ngatiti iwe unoshandisa $ 100,000 mune imwe mari yekutengeserana ine mari ye1% pagore, kana $ 100,000 mune imwechete mutual fund ine mari ye50% pagore. Neye chikamu chechipiri chiri nechomukati chekushandisa mari, iwe unowedzera $ 500 pagore inodzoka kwauri pane kubhadharwa mumari. Pamusoro pemakore makumi matatu nemakore ekurasikirwa, mamwe ma $ 500 pagore anowedzera.
Kutya kubhadhara mutual fund pamwe nechezasi mari hazvizoiti zvakare? Funga futi. Tsvakurudzo inoratidza kuti mari shoma shoma inowanzopfuura nevezera ravo vane mari yakakwirira. Semuenzaniso, mari yekuenzanisira inozivikanwa kuti inounza kushanda kwakasimba nemari shoma. Iwe unogona kuvaka rakasimba, rakadhura mari yekusimwa porefisi uchishandisa mari yehuwandu mari. Kana iwe unogona kutarisa sarudzo yepamberi yakashandiswa uchishandisa mari yekubvisa mari, inotsanangurwa pasi apa.
Chimbofungidzira Auto-Pilot Solution
Mazhinji emakambani makuru makuru ehurumende akaisa pamwe chete mari yakawanda yakagadzirirwa kungosiya basa.
Vanowanzotumidzwa semari yekusunungurwa mari . Iyi mari yomubatsiri inoshandiswa yakanyatsogadzirirwa uye yakagadzirirwa kuunza mari yepamwedzi yekubvisa mari kune iwe.
Kana iwe uchida kubhadhara mari yechikwata chekurega mari iyo inopa hupamhi hwepamusoro kana mwedzi wemari, tarisira kuti munguva inotevera mukuru wako achagara akareruka kana zvishoma nezvishoma achidzika.
Kana iwe uchida kubhadhara mari yechikwata chekuchengeta mari iyo ichachengetedza kukosha kwayo, iwe uchada kubvuma zvishoma mari. Mari yakawanda yekusarura mari yakagadzirirwa kubhadhara pakati pe3% uye 7% pagore, kuitira kuti mari imwe neimwe iwane $ 100,000, unogona kutarisira mari yegore negore ye $ 3,000 kusvika $ 7,000 pagore.
Kubhadhara mari yemari pamwe chete mari yakasiyana pane chikamu chemari yemari, iyo imwe nzira. Mari yekusarirwa mari inotora mari inotarisira chikwereti chezvikwama zviviri uye zvisungo zvakagadzirirwa kupa hutengesero pakati pekuchengetedzwa kwekuchengetedzwa uye kugara pamwedzi. Chikamu chemari inowanikwa mari inoshandisa zvikwereti kana inoshandiswa zvikwata zvinobhadhara zvikamu. Mari yekusimwa mari inogona kushanda sewe chikwereti chakakwana kwauri, asi chikamu chekuwana mari chikamu chinenge chiri chivako chimwe chekuvakira porefisi.
Tevedzera Ichitsanangurwa Chekushandisa Mari
Chimwe chinhu chakakanganisika vose vari mubhadharo uye vadzidzisi vezvemari vanoita kuti vafunge pavanenge vachirasikirwa apo vari kubvisa mari vanogona kutarisira mari yavo pamwe chete nenzira iyo yavakaita apo vaishanda uye vachichengetedza nekuisa mari. Kusimwa kwemari kubhadhara kunoda kuitwa zvakasiyana.
Mukurambira, fungiro inofungidzirwa inoda kushandiswa kune zvinyorwa zvaunoda kubvisa kubva mumakore ayo, uye iwe unoda kuve nechokwadi kuti hauzombove uri mumamiriro ezvinhu apo iwe unogona kukamanikidzwa kutengesa retirement mutual fund mu pasi pamusika.
- Imwe sarudzo ndeyokushandisa sarudzo yakanyatsoratidzwa yekuregererwa kwepamitemo mitemo yekugadzirisa chikwereti chekubhadhara mari pamwe chete.
- Imwe nzira ndeyekufunga nezvemari yako maererano nezvikamu zvenguva - kuisa mari yaunoda mumakore mashanu anotevera zvakasiyana nemari yausingadi iwe makore gumi nemashanu.
- Imwe nzira ndeyekushanda nemunhu ane ruzivo rwekugadzirisa basa rekugadzirisa basa uyo anonzwisisa kuti kuisa mari kune mari inotora nzira yakasiyana.
Izvo zvakanakisisa mari inobhadhara mari yekusununguka ndiyo iyo ine mari shoma uye yakasarudzwa mushure mekunge maita hurongwa hwezvemari yekubvisa mari. Vakawanda vanozouya kumusha vanopedza nguva yakareba kwazvo vachiedza kuwana mari yakanakisisa yekurasikirwa mari, uye nguva shoma shoma pakugadzirisa zvisarudzo zvakadai sokuronga mutero, nguva yekutora Social Security, kana kuti kutora sei mari yavo yepensheni.
Apo izvi zvimwe zvisarudzo zvinoitwa zvakakodzera zvinogona kuwanzopa zvakanyanya kukosha kupfuura kutora mari yekubatana. Ita urongwa hwako hwekusarura pakutanga. Chikamu chekupedzisira chegadziriro yekugadzirisa inofanira kusarudza kusarirwa kwemari.