- Peritengo yezvinhu zvavanotarisira panzvimbo yako, kazhinji chero kupi zvako kubva pa1% - 2% pagore. Izvo zvinhu zvakawanda zvaunazvo, zvakaderera mari.
- Komisheni inobhadharwa kwavari kubva mune zvemari kana inishuwarenzi yaunotenga kuburikidza navo.
- Kusanganiswa kwemari uye mahofisi dzimwe nguva anonzi "mari-yakagadzirwa."
- Maawa yehora.
- Mari yepamusoro yekuzadzisa chinangwa chaicho.
- Imari yepamwedzi kana yegore yekuchengetedza.
Tsanangudzo pane imwe neimwe yezvikwereti izvi zvinowanikwa pasi apa.
1. Percent of Account Value
Iyi ndeimwe yenzira dzakawanda zvikuru iyo mupi wezano rezvemari, kana mupi wezano rekutsvaga mari, achabhadhara.
Apo iwe uchitsvaga mupi wezano mubhadharo uyo anokodzerwa nenzira iyi, zvakakosha kunzwisisa kana vari kupa hutungamiri nekugadzirisa nekugadzirisa zvemari, kana kungoita hupfumi hwenyika. Tarisira kubhadhara mari yakakwirira kana vari kupa zvizere zvebasa rekugadzirisa zvemari pamwechete nekuchengetwa kwemari.
Iwewo uchada kubvunza mutungamiri uyo anopomerwa nenzira iyi kana ivo vachibhadhara-chete kana kuti mari-yakabatanidzwa. Vaya mazano ekubhadhara mari chete ndivo vanogona kushandisa mari shoma shoma munhoroondo yako, kuderedza mari yose yaunotora. Mazano ekubhadhara mari vanogona kukwanisa kutora mapepa, nekuwedzera, mari yekukwereta inotengeswa pazvinhu.
Nekawandu yemvumo yekubhadhara yemari sezvo kukosha kwekodha yako kukura, mupi wezano achaita mari yakawanda. Kana uwandu hwebhuku rako huchidzika, ivo vachaita mari shoma. Nenzira iyi, vane chinokurudzira kukura account yako uye kuderedza kurasikirwa.
Vashandi vakawanda vakaita sechinhu ichi sebhadharo inokweretwa kubva kubhengi saka hapana cheko inofanira kunyorwa uye mari haifaniri kubva mubhadharo yemwedzi wega wega.
Uye mari inokweretwa kubva kuIRAs iri kubhadharwa nehurumende isati yasvika iyo inogona kuva yakakosha kune avo vari muhutano.
Imwe mitero inoshandiswa yekushandisa mari inogona kubva kubva ku 2.0% pagore pamucheto wakakwirira kusvika ku50% pagore nechepasi. Kazhinji pfuma yakawanda yaunayo, yakaderera mari.
Vamwe vakaronga vakauya nekusiyana kwakasiyana-siyana pamusoro pekubhadhara uku, sevatori vanobhadhara chikamu chematare anokosha (nechinangwa chekukubatsira kuti uwedzere kukosha kwako), kana chikamu chekugadzirisa mari yakawanda (nechinangwa chekupa mazano ekupa basa kukubatsira kuti uwedzere mari yako).
Vakawanda vekutsvaga mazano ekutsvaga injini vanokubvumira kutsvaga nematongerwo akajeka akadai sorudzi rwekubhadhara rakarongwa nevarayiridzi vanoshandisa.
2. Komisheni
Iyi ndeimwe yenzira dzakajairika iyo mutengesi wemari anotengesa mabasa avo. Vamwe vevanhu ava vane mazano akanaka emari; vamwe vanongova vatengesi vakanaka. Mazano avo anogona kukanganiswa nenzira yavanobhadhara.
Komisheni inogona kutora fomu yekutanga-kuguma kutengesa mutoro inopomerwa pane imwe chikwereti, kubhadharwa kwekubhadhara kune annuity kana kumisheni kunogona kubhadharwa zvakananga kumudzidzisi kubva kumakambani ekutsvaga, sezvinoitika pakutengeswa kwevakawanda vasati vari pachena akatengesa REITs.
Kumbira tsanangudzo yakajeka yekuti mutungamiri wako anobhadharwa sei, uye zvakadini kuti vachawana zvakadini kana iwe uchitenga masimba kana michina yemishurenzi inokurudzira.
3. Kusanganiswa kweMari neKomisheni
Vazhinji mazano mazano nhasi vanogona kuunganidza mari nemakomisheni. Vanowanzoshandisa izwi rokuti mari-based. Zvakakosha kunzwisisa mutsauko pakati pemubhadhara chete-mupi wezano, uye mubhadhari wekubhadhara. Vaya mazano ekubhadhara mari chete havakwanisi kutora mapeji.
NAPFA, National Association of Personal Financial Advisors, vane kodzero yavo yekodzero yekuti "mari-yega" logo uye vapeiri vemazano vanofanira kutumira zvinyorwa uye vopika kuti havangatengesi upi wekutsvaga kana zvigadzirwa zvemishuwarenzi. NAPFA inogona kuva nyanzvi yekushandisa kana iwe uri kutsvaga mubhadhari wega-wega wezvemari kana mupi wezano rekutsvaga mari.
4. Nguva Yemaawa
Iyi inogona kuva nzira yakanaka yekubhadhara mazano emari kana iwe uchida kushandisa mazano iwe pachako.
Somuenzaniso, iwe unogona kubhadhara mupi wezvemari purogiramu yeawa imwechete kuti akuudze kuti iwe ungagovera sei mari mu 401 (k) chirongwa chako. Zvadaro iwe unenge uine dambudziko rekugadzira kuchinja kwavakaita.
Sezvo chiyero cheawa rimwe chete chisina kusungirirwa kune kukosha kwekutsvaga mari, kana kubudiswa nekutenga chero kupi zvako kwekutsvaga, iwe unogona kunzwa uine chivimbo kuti uchawana mazano mazano.
Kungofanana nemagweta, kana mabhengi, maawa eawa imwechete achasiyana zvakasiyana kubva pakugadzirira kuronga. Tarisira kuti iwe ubhadharwe huwandu hwemaawa wepamusoro kune vadzidzisi vane ruzivo, kana mazano avo vane nzvimbo yehutano. Nhamba dzezasi dzichaderedzwa nevadzidzisi vasina ruzivo.
Kuti uwane mupi wezano unobhadhara mutengo weawa wega uone Garrett Planning Network iyo inopa sangano rekutsvaga kuti rikubatane iwe nehutano hwevarongerwe avo vanopa mazano pane imwe nguva yehora.
5. Nhamba yemapapiro yekuzadzisa Projekiti yakananga
Kana iwe uchida basa rakapedzwa, rakadai seurongwa hwekutanga hwekurega basa , zvinganzwisisika kubhadhara mari yepamusoro kuti mumwe munhu awedzere nhamba, uye akubatsire kunzwisisa nhengo dzose dzinofambisa dzinoenda mukugadzira chirongwa chekuregererwa kwemari.
Sezvo mari yakawanda isingabatanidzi kukosha kwekutsvaga mari, kana yakagadzirwa nekutenga kwekutsvaga kupi zvako, iwe unogona kunzwa uine chivimbo kuti uchawana mazano mazano.
Mari yacho inofanira kutorwa mberi, pamwe netsanangudzo yakajeka yeiyo ichapiwa mari iyoyo. Bvunza kana misangano yekutevera kana mibvunzo yakabatanidzwa.
6. Muchengeti Mari
Kana uine mamiriro ezvinhu akaoma, akadai sekuenderera mberi kwezvikwata zvekutsvaga kushandiswa, bhizinesi duku, dzimba dzekuvakirwa, kana chidimbu chekuwana mari kubva nguva dzose kubva mune zvekutsvaga kwako, ipapo unogona kubatsirwa nekubhadhara mazano anoramba aripo.
Sezvo mari yekuchengetedza isingabatanidzi kukosha kwekutsvaga mari, kana yakagadzirwa nekutenga kwekutsvaga kupi zvako, unogona kunzwa uine chivimbo kuti uchawana mazano mazano.
Mushure mekudzidza nezvekuoma kwemamiriro ako ezvinhu, mutungamiri anogona kukuudza iwe mari yako yegore roga roga kana yegore yekuchengetedza, uye ndeapi masangano anowanikwa mumari iyo. Chibvumirano chinyorwa chinotaura nezvebhadharo nemabasa zvinowanzopiwa.
Ndingakwanisa Sei Kuziva Kwandinoita Mutengi Wangu Wekubhadhara Mari?
Nguva dzose bvunza mubatsiri wezvemari nokuda kwetsanangudzo yakajeka yekuti vachazobhadharwa sei usati wavashandira. Uyu mubvunzo umwe iwe waunoda kubvunza chero upi zvake anogona kugadzirisa zvemari. Tarisa mhinduro yakatendeseka, yakananga uye yakasununguka yevanhu vanoedza kudzivisa mubvunzo uyu, vaudze kuti usafunganya pamusoro kana kuti zvinoreva kuti mazano haasunungurwi.
Ona zvakare, munyaya ino, ndinoshandisa izwi remudzidzi wezvemari, muridzi wezano rekutsinhanisa, uye mutungamiri wezvemari zvakasiyana, asi zita romumwe munhu haringatauri kuratidzwa kwakarurama kwebasa ravanopa. Iwe unoda kubvunza mibvunzo kuti uwane rudzi rwekugadzirira kana mazano anopa.