Unofanirwa Kubhadhara Chikwereti Chako Here Kana Kuti Kubhadhara?

Mhinduro ndeyokuti: zvakaoma.

Chinhu chinowanzosangana nevanhu vanotarisana nekubhadhara chikwereti kana kuisa mari. Zvose izvi zvinonakidza uye zvinodiwa.

Kubhadhara chikwereti chako kunoreva kuderedza kushungurudzika, njodzi dzakaderera, uye kukwanisa kukuru kukurira zvinetso zvevanhu. Kurarama chikwereti-pachena kuchaitawo kuti zvive nyore kutsungirira kuderedza hupfumi kana kuora mwoyo, uye iwe uchave wakawedzerwa kushanduka kunogona kuita kuti munhu awedzere kufara .

Kuisa mari kunoreva kuvaka chivako chinogona kukuchengetedza iwe nemhuri yako uye kukupa zvinhu zvekunaka mari.

Zvichida zvinonyanya kukosha, zvinoreva kuunganidza mari yakakwana yekuenda kumusha zvakanaka.

Unofanira kuitei? Nechepfungwa, iyo nzira yakangwara zvikuru yekuita pakusarudza pakati pekubhadhara chikwereti chako uye kuisa mari inofanirwa kuenzanisa kuenzanisa zvinhu zviviri:

1. Mutengo wekutevedza mutero iwe uri kuripa chikwereti chako
2. Izvo mushure miteyero yemitero yekudzoka iwe unotarisira kuwana pane yako yekutsvaga

Mune mamwe mazwi, kana iwe uchikwanisa kubhadhara zvakakwirira pamari yako yako pane kufarira kune chikwereti chako, unofanira kuisa mari. Kana zvisina kudaro, iwe unofanira kubhadhara chikamu chako. Mufananidzo unogona kuva mubhadhari wemabhiriyoni weWarren Buffett achitakura nekutenga chikwereti kumba kwake muOmaha, Nebraska kusvika kumakumi emakore achangopfuura nekuti aiziva kuti aigona kuisa mari kune imwe nzvimbo mubasa rake rekutsvaga mari uye kuita zvakawanda zvakawanda munguva refu.

Zvisinei, izvi hazviiti nguva dzose kana wakambofunga nezvekugadzirisa dambudziko . Pane kudaro, varongi vakawanda vezvemari mazuva ano vanokurudzira izvo zvandinofunga kuti ndezvinyorwa zvinonzwisisika zvemashoko anopa zvakanakisisa zvezvose zviri munyika.

Ndezvipi Zvikwereti Zvokubhadhara uye Ndezvipi Zvokubhadhara Kuti Uwane Mari

Ndinokurudzira hurumende inotevera:

1. Chengetesa chero nhoroondo yekubvisa mari iwe newawakaroorana naye mune kubasa, zvakadai se 401 (k) kuronga , kusvika kuhuwandu hwemhando ipi zvayo yakasununguka yakafanana nemari yaunowana. Kune makambani akawanda, kuenzana kwemazana kunomira pakati pe50% uye 150% yekutanga [x]%.

1. Dzai mari yenyu yekukurumidzira mune imwe mvura yakawanda, FDIC-check insured, kuchengetedza, mari yemusika, kana kuti sekambani yakafanana.
2. Kana iwe ukasangana nemirairo yekufanirwa, shandisa mari yeRoth IRA zvizere iwe uye iwe, kana iwe wakaroorana, wako wako. Iwe unoda kutarisa mitezo yemipiro inoshanda chero ipi zvayo yakabhadhara mutero. Somuenzaniso, muna 2018, vaviri vakaroorana vanowana mari shoma kudarika madhora 135 000 mukugadziriswa mari yakawanda inogona kuwedzera kusvika madhora 5 500 emari yakawanikwa nemumwe wako ($ 6 500 pamudzimai kana makore makumi mashanu).
3. Kubhadhara chero ipi yepamusoro-chikwereti kadhi rechikwereti chikwereti, chikwereti chemari chikwereti, kana zvimwe zvikwereti . Pamwe, ndingangodaro ndakatarisa chikwereti chechikwereti chevadzidzi nokuti chinogona kuva chakanyanya kuoma kubudisa mu bankruptcy. Gara pairi kusvikira iwe usina chikwereti uye urege kuwedzera kune iyo pazvinenge zvose zvinodhura.
4. Denderedzwa kumativi ose uye ugoita kuti wako nemumwe wako 401 (k) nhoroondo kusvikira pahuwandu hunobvumirwa neurongwa hwako kana mitemo yemitero.
5. Kana iwe wakanyanyisa nezvekurega basa, tarisa mune imwe nzira inosanganisira kushandisa HSA (Maintenance Savings Accounts) seimwe mhando yeERA facto pamusoro peRoth IRA yako.
6. Tanga kuvaka zvivako mukwereti yakakwana yemari yekubhadhara mari , mararamiro ekugadzirisa zvigadziriswa , mararamiro akachengetedzana mutual fund , kana kutotenga zvimwe zvekushandisa mari inowanikwa munzvimbo yako yeunyanzvi. Somuenzaniso, mutengesi wezvivako anogona kutenga zvivako zvepaimba, zvivako zvehofisi, zvivigiro zvemabhizimisi. Zvimwewo, unogona kufunga nezvekubhadhara chirongwa chekoroji 529 yekuchengeta vana vako uye / kana vazukuru.

Nokuzvibata nenzira iyi, unoita zvinhu zvakasiyana-siyana:

1. Iwe unoderedza mitero yako yemutero, zvinoreva mari yakawanda muhomwe yako.
2. Iwe unogadzira zvakanyanya kubhadhara kuchengetedza kwemari yako yekusasiya. Urongwa hwako hwekurega basa, hunofanana ne1401 (k), harina kodzero yekudzivirira kuchengetedza pasi pemitemo yemazuva ano, asi Roth IRA yako ine $ 1,283,025 mukudzivirira kubhadhara kusvika muna 2018. (Izvi zvichagadzirisazve kumusoro munaEpril kana 2019.)
3. Iwe unoderedza madhora ako munguva. Iko kunouya pfungwa pavari kubhadhara zvachose, uye mari yako yekusununguka inosvika padenga.
4. Iwe unongoita hupfumi hunoshandiswa mumatarenda asingabhadhari kamwe chete zvese zvezvimwe zvinodiwa zvako zvakasangana. Somuenzaniso, kana iwe uine chikwereti chakawanda uye kambani shoma rekubhadhara, iwe haufaniri kunge uine mari muPOs .

Imwe nzira

Zvimwe, haisi pfungwa inotyisa yekuve isina chikwereti zvachose, kutora rwonzi rwakapoteredza zvinhu zvako kuitira kuti usambofaniri kunetseka pamusoro pokunge vatorwa kubva kwauri.

Ndinoziva nezvevanhu vanochera mari ipi zvayo kusvikira vaine dzimba yavo chaivo, zvakakwana, vakaripira koreji, uye vakavaka mari inoshandiswa pabasa rekukurumidzira kushanda mabasa akadai mumakore makumi maviri uye kutanga kwemashumi matatu. Nenguva yavainge vava kusvika pakati pezera remakore, vakange vane nheyo iyo yakabvumira kuti mari yavo inotengeswa iwedzere, isingadzorwi nemitemo yezvemari inoratidzika seinovhiringidza vamwe vanhu nemhuri nekusingaperi. Mune mamwe mazwi, mhinduro yavo yaigara ichibhadhara chikwereti kutanga, uye-uye chete ipapo- kutanga kutengesa. Uye kune vanhu vazhinji, izvi zvinoshanda zvakanaka munguva refu.

Chinhu Chinonyanya Kukosha: Iwe Ndiko Kusiyana Kunokosha

Pakupedzisira, maonero angu ndeokuti maitiro ezvematongerwo enyika anofanirwa kuiswa muchisarudzo chako. Iwe unofanirwa kusarudza pakati pekutsvaga mari uye kubhadhara chikwereti icho 1. iwe unogona kurarama pamwe, 2. Unogona kunge wakanamatira kusvikira wapedza, uye 3. unokurara zvakanaka usiku. Chero bedzi uchiramba uchienda, iwe unofanira kupedzisira uchienda kumagumo ekupedzisira-mechikwereti, izvo kusava nechikwereti uye kuwanda kwemari yakawanda, inobhadhara mari inopa hutano hwakanaka hwehupenyu hwemhuri yako. Nokushivirira kwakakwana nekushanda zvakaoma, ichi ndicho chinangwa chaunogona kuwana.