Kuomesa nyaya, ruzivo urwu runobhadharwa runofanira kugadzirisa zvitatu zvisingazivikanwi panguva imwe chete:
- Nguva refu: Inofanirwa kupedzisa chero bedzi iwe uchiita.
- Kukosha kwezvinhu: Inofanirwa kuchengetedza nemari yekurarama.
- Zvido zvehutano Nehutano: Mari iyo yakasimudzwa pachiyero pedyo nekatatu zvekuwedzera kwezvikwereti mumakore achangopfuura.
Saka iwe unogadzirisa sei dambudziko iri uye unoisa pamwe chete mari yekubvisa mari inogara iwe chero bedzi iwe uchiita? Takaunganidza tsvakurudzo yechangobva kuitika uye takaisa pamwe ku-kunyoresa kukutora iwe kuburikidza nayo.
Funga Zvaunoshandisa Maitiro
Iwe uri musha, mhando kana chimwe chinhu zvachose here? Vatsvakurudzi veJP Morgan vakawana kuti vanenge 75 kubva muzana yevanhu vanofananidza zvakananga mune imwe yevanoshandisa mapurogiramu mana ...
- Foodies vanopedza 28 muzana yemari yavo yezvokudya nekumwa (zvokudya pamwe nekudya kunze).
- Vashandi vekumba vanopedza makumi mashanu kubva muzana emari yavo kubva kune zvikwereti zvemari, mitero yeimba, kugadziriswa uye zvinhu zvekuisa mudzimba idzodzo, semafambisi uye tambo yepamusoro-soro; zvinogona kuti vamwe vangave vane imba imwe chete.
- Globetrotters inopa chikamu chakazara chemari yavo yekufamba.
Chikamu chechina chine boka duku revanhu (inenge 2 muzana yemhuri iri pasi pe65 ne6 kubva muzana) iyo inopedza 28 muzana yemari yavo pamusoro pehutano hwehutano. Vanogona kunge vaine zvido zvinopfuurira zvemitemo inotengeswa kana kuti imwe mamiriro ezvinhu asingagumi.
Funga Kuti Kushandisa Kwako Kuchachinja Sei
Chero rudzi rwepepender iwe uri, zvakadaro, funga kuti izvo zvaunoshandisa zvinochinja kuchinja nemakore. Mukuru waunowana, mari yako yakawanda inowanzoenda, anodaro Katherine Roy, Chief Retirement Strategist weJP Morgan Asset Management. Izvo zvinotsigira kunyange kutora kutengesa kwezvakawanda mukufunga. "Kunyange zvazvo matengo ari kuwedzera, iwe uri kushandisa zvishoma," anodaro Roy. Somuenzaniso, muvhareji wemhuri muzera rezera remakore makumi mashanu nemashanu kusvika kune makumi matanhatu anoshandisa madhora madhora 51 000 pagore. Izvozvo zvinodonha ku $ 45,000 kubva kune makore 65 kusvika kune makumi manomwe, uye $ 34,000 kune avo vanhu 75-pamwe. Chikamu-ne-chikwata, mari inoshandiswa zvakare inowira pasi apo iwe unowedzera kunze kwekupa zvipo zvezvipo, zvipo (ah, vazukuru!), Uye utano hwehutano. Iyi yekupedzisira, maererano neCent for Retirement Research muBoston College, inodarika kaviri kana yakawanda pashure pemakore makumi mapfumbamwe nemashanu kupfuura yekare.
Dzorera Purogiramu Yako Yokuchengetedza Kubhadhara
Cherechedza mauri ikozvino kushandisa mari maitiro emuongorori wekuti iwe unogona kuwira. Zvino shandisa nguva yako uchigadzirira kushandisa mari yako yeramangwana munzvimbo iyoyo. Semuenzaniso, mapoka emhuri anofanira kutarisa pavanokwanisa kukwanisa kubhadhara chikwereti uye / kana kana kuderedzwa kunonzwisisika. "Makumi makumi mana nemashanu kubva kune vane makore makumi matanhatu nemashanu vane makore makumi maviri nemashanu vane chikwereti," anodaro Roy.
"Zvichida nokuti vari kuita mukana wekuongororwa mari [uye kupa mari mari panzvimbo yacho] nokuti vane chikwata chechikwereti chakashata, kana kuti nokuti vakatora kuenzanisa kunze hakunzwisisiki." Kana iri iyo yekupedzisira, kuronga kubuda kubva pasi pechikwereti ichocho kusati kwasara kurega kungave kuve kuchenjera kufamba. Kunyange zvakadaro, mutengo wekutengesa nzvimbo imwe, kutenga imwe, kutama, uye kugovera nzvimbo itsva haifaniri kuderedzwa, anodaro Ken Hevert, Senior Vice President weRetirement Products paFidelity Investment. "Vanhu vanowanzoshamiswa nekudhura kwekuita zvinhu izvi," anodaro.
Globetrotters, panguva iyo, inofanira kunzwisisa kuti kutenderera hakugone kuderedza sezvaunenge uchikura. Kutaura zvazviri, kupedza mukufamba kwakange kuri pamatunhu akakwirira kune vanhu vari muhuwandu hwepfuura makore makumi manomwe nemashanu, saka kuchenjera kuisa garo rega rega mari yekutenderera kwako.
Uye pamusoro pezvinhu izvozvi? Kunyange zvazvo kushandiswa kwavo kunogona kuonekwa sechisiri pamatsetse, vanowanzove vasina kunaka kune dzimwe nzvimbo, nebhadhiro rekubhadhara mari uye mabhizimusi emitengo yepasi. Vatsvakurudzi havana kuona chido chekuchengetedza zvakasiyana nekudya kunze.
Kusiyana Nhoroondo yehutano
Kuvimbika Kwekutsvaga Kwemari inofungidzira kuti vakaroorana vane makore 65 vachipinda mubhadharo vachada $ 260,000 (mumazuva ano madhora) kuti vawane mari yekuchengetedza utano munguva yehupenyu hwavo , uye imwezve $ 130,000 kuti vatsigire kutarisira kwenguva refu kwenguva refu (zvakanyanya pane izvi munguva pfupi). Icho ndiyo nhamba huru, saka iwe uchange wakashanda zvakanaka kuti unzwisise mari yegore negore. Gore rapera, somuenzaniso, ane makore makumi matanhatu nemakore makumi matanhatu nematanhatu anoenda kumagariro eMedare aive nemari yepamusoro yekushandisa mari ye $ 4 660, nhamba iri kuwedzera neanenge 6 muzana pagore. Chimbofunga shanduko yemari yakasiyana - zvichida muAalth Savings Account - kuverenga nezvezvidikanwi izvi. "Tinoziva kuti vanhu vane iyo se [yega] mutsara wezvinhu vanonzwa vakasimba zvikuru kuti vanogona kuwana mari iyi," anodaro Roy.
Nzira yekuita nekutarisana nemitero
Icho chikuru chikuru chekuona maziso akazarurwa neFidelity's Journey Into Retreat Study: Mitero. Pre-retirement, vanhu vakawanda vane mitero yakachengetwa kubva pamitero yavo. Zvadaro vanodzokorora kudzoka, zvichida kutorazve mari, zvichida vanobhadhara uye vanoenda kune gore rinotevera. Post-retirement - nokuti huwandu hwekubhadhara mari haubhadharwi - mitero inova mari inotarisirwa. Kuti agadzirise dambudziko iroro, Hebert anoti, ita zvinhu zvitatu:
Purogiramu yekuti iwe uchazobhadhara mitero, zvichida gore roga roga, kuburikidza nekukanda mari kuti uite basa iroro iwe usati waipedza. Kuvimbika kunorega mitero kubva kuRARA kugovera pamutengo unotanga pa10 muzana, asi inokubvumira kuti uwedzere kubvisa kana ukasarudza.
Funga pamusoro pekuti iwe unotora mutero uchave wakakwirira sei mukurasiri kupfuura iye zvino. Kana zvakadaro, funga kuisa mari muRoth IRA (kana Roth 401 (k)) kana kuburikidza nemipiro kana kutendeuka.
Uyai nemagadzirirwo ayo mabhaketani ari kuenda kuzokwevera mari kubva mukurega basa. Pamwechete, Hevert manotsi, kutanga kutora mari yawakatove wakabhadhara mitero ndiyo nzira yekuenda nayo.
Urongwa hweVaduku "Chii-Kana"
Chii chinoitika kumushandirapamwe wako wekukurumidzira mushure mokurega basa? Iro zano rinoshandiswa kuva kuisa iyo mukodha yako yemari - iyo yaunoshandisa kubhadhara mari yemwedzi. Dambudziko nderokuti izvo zvingasaita kuti iwe uchinje kugadzirisa kubata zvikwereti zvisingatarisirwi zvakadai sekugadzira motokari, kuvhiyiwa kwekukurumidzira, nezvimwe zvakadaro. "Kuwedzerwa, tinofunga [kuchengetedza] kuti njodzi yekuchengetedza mari ndiyo nzira yakarurama," anodaro Roy.
Saka iwe unofanira kunge wakakura sei mari yako yekukurumidzira iri pakurega? Munguva yehupenyu hwako hushanda kutonga kwechigunwe ndechokuti uve nehomwe yemari kwemwedzi 3-6 yekubhadhara, asi hapana chirevo chakaenzana chevakabhadhara. Pane kudaro, simira kuti uone kuti ungada sei kuti uwane nematambudziko akawanda asingatarisirwi, uye chengetedza iyo mari mumari zvose zvakasiyana uye mvura. Kana iwe uye paunoshandisa mari iyi - paunenge uchizadzikisa kero yako yemari uye kuenzanisa - iva nechokwadi chekudzorera, zvakare.
Purogiramu yeMari Yenguva refu
"Kwevakawanda veavo vanopedzisira mumusha unotarisira vakwegura kwenguva yakareba [mari yemari] ichava nengozi," anodaro Jack Vanderhei, Research Director weHloymee Benefits Research Institute. Kunze kwekuti iwe une mamiriyoni emadhora muzvinhu zvinotengeswa, kubhadhara mari iyi kubva muhomwe hakuzoiti; Ndicho chikonzero chikonzero chekutendeseka chinoratidza kuvandudzika pamusoro pavo. Vanderhei anopa Mvumo yeLongevity Annuity Contract, kana QLAC (ichiti "q- lack "). Izvi ndezvakawandisa zvinotengeswa kubva mukati meIRA kana imwe chirongwa chekurega basa. Iwe unogona kuisa $ 125,000 kana 25 muzana yemari yako muQLAC (chero ipi zvayo iri pasi) uye chikamu ichocho hachikwanisi kubva pane zvishoma zvido zvekugovera. Izvozvo zvinoderedza mutero wako wekubhadhara uye zvinokudzivirira iwe kwenguva yakareba panguva imwe chete, nokuti ruzivo rwekuwana - runogona kutaridzirwa kwenguva yakareba semakore gumi nemashanu kana kusvika kune makore 85 - huchagara chero bedzi iwe uchiita.
Vamwe vakasiya mari vanosarudza inshurensi yekuchengetedza kwenguva yakareba mune tarisiro yemari iyi, kunyange kune zvimwe zvingasarudzwa zvakare. Chinhu chinokosha ndechokuti iwe unoronga mberi kwenguva iyo iwe ungada kutarisirwa kupfuura iwe iwe ikozvino.