Kudzivisa Kuda Mari Inowanzobatanidzwa
Icho chinouya kune masvomhu makuru.
Mitero Yisero-Yisimiriro yeMasisita eMasipirwo Anobhadhara Zvipfeko Zvisingarevi Kubhadhara Zvikwereti Zvisingabhadhara
Icho chishuvo chekuti mitero isingabhadharwi emasisita emabhadharo inobhadhara zvishomanana kudarika avo vanobhadhara mari (mabhizimisi ehurumende, Treasury bonds, et cetera). Kuti uzviise pamusana, iwe unofanira kuverenga chimwe chinhu chinozivikanwa semutero unobhadhara unobvumirwa, iwe unogona kuverenga zvakawanda pamusoro . Kubva muna 2016, makore makumi maviri eAAA mabhizimisi ehurumende, ayo akabhadhara zvizere, ari kubhadhara 3.90%, asi makore makumi maviri AAA asingabhadhara mutero emasisita ehurumende ari kubhadhara 2.19%.
Chiyero ichocho che1,71% hachisi chakakosha.
Fungidzira iwe waive ne $ 100,000 muRoth IRA yako, yakavakwa kwemakore ekuchengetedza mari zvakanyatsonaka . Ropafadzo huru yeRoth IRA yako ndeyokuti inenge yose yepfuma inowanikwa mukati memakanda ayo edziviriro isingabhadharwi nemitero. Izvo hazvina mutero wemitero, hapana mutero wemitero, hapana mutero wemari , uye hakuna mari inowanikwa mitero . Muchiitiko ichi, iwe unenge uri kutarisa zvibatanidza zviviri, zvose zviri zviviri zvakarongwa AAA, uye zvose zvirikura mumakore makumi maviri.
Asi, hurumende inobhadhara iwe $ 3 900 muzvikwereti gore negore, apo hurumende iyo inokubhadhara iwe $ 2,190 muchibereko gore negore. Hapana munhu anonzwisisa angaisa mari ye $ 1,710 mumari isina mari iyo iri kugara patafura. Simba reRoth IRA yako rakakura zvikuru zvokuti rinoita kuti hurumende dzisungo dzisina mutero, zvakare!
Chengeta Kutarisa Pfuma Kana Uine Roth IRA
Kune chimiro chekuchengetwa kwepfetikiti yekugadzirisa sarudzo inonzi asset positioning izvo zvinowanikwa mumamiriro ezvinhu aya, mazhinji ayo anotsigira Roth IRA. Nokutarisa kwaunoita kuti uwane mari yako yekusarura , uye kutarisa kuti ndeapi mhando yemari inotarirwa zvichienderana nemafungiro ayo, mumwe munhu ane chigaro chepfuma angaronga upenyu hwake hwemari kuti awedzere mari yakazara mushure mekwereti yaanogona chengeta.
Zvifananidze iwe pachako usina mari kunze kwe $ 500,000 podfolio yemari ne $ 250,000 muRoth IRA uye $ 250,000 munhoroondo yekudhinda . Iwe une mari mbiri chete. Yokutanga ihomwe yezvisungo zvinobhadhara 5% pagore, kana $ 12 500 gore negore. Chechipiri isangano rebhuruu chip stocks risingabhadhari.
Kana iwe ukaisa iyo isiri chikamu chekubhadhara zvikwereti muRoth IRA, yakabata zvikwereti zvinotengesa mubhengi rekwereti, uye iwe uri mu 35 bracket, iwe uchazoguma ne $ 8,125 mune mari yemari pagore.
Zvisinei, kana iwe ukashandura zvikwereti zviviri uye ukaisa zvisungo zvinotengesa muRoth IRA uye isiri chikamu chekubhadhara chikwereti mubhuku rekubhadhara, iwe uchaenda kuchengetedza $ 12 500. Iko mari inopfuura $ 4,375, kana kuti 53.85% mari yakawandisa kupfuura iwe ungadai wakambove nayo, zvose nekuda kwekuti wakabata sei nzvimbo dzako dzekutsvaga.
Zvinhu izvi zviduku zvinokosha, kunyanya kwenguva refu. Imwe mari inokwana madhair 4,375 inotengeswa pa 10% kwemakore makumi mashanu inosvika madhora 5,100,000. Inobhadhara, chaizvoizvo chaiyo, kuti urambe uchinge uchitarisa kwete kwete chete zvinhu zvaunazvo, asi paunenge uchitakura izvo zvinhu.
The General Rule for Roth IRA Investments
Kunyange zvazvo mamiriro ega ega ega ega akasiyana, uye anofanirwa kubvunzwa paanenge aita zvisarudzo zvezvemari, mutemo mukuru wegumbo reRoth IRA wekutsvaga ndeyekuti iwe unofanira kuedza kuisa mari shoma yekutengesa mutero uye zvinhu muIRA pachayo, paine mari yakawanda-yepamusoro-chekuchengetedza uye mari kuburikidza nedzimwe, iyo yakawanda yemafomu emakondomu , kusanganisira kubhadhara zvakananga , DRIPs , uye mabhengi ekubhadhara.
Nhaka dzinowanzokoshesa dzinofanirwa mutero-dzakakosha kana dzichienzanisa neavo vanokanda huzhinji hwehupfumi huri mumari yemari.
Nguva dzose kushamwaridzana kushamwaridzana kazhinji kacho kusarudzo kwakanaka kweRoth IRA, sezvo iri yakakwirira-inobatsira zvikwereti uye zvikwereti zvekutsvaga kweimba .