Kuchengetedza Idzi Chokwadi Chinokosha Mupfungwa Chingachengetedza Chikamu Chako Ne Net Worth
Muchikamu chino chokutanga, ndinoda kukufambisa kuburikidza nheyo dzekushandisa mari yako; chengetedza dzimwe pfungwa dzakajeka dzichakupa nzvimbo yakanaka yenyika kuitira kuti uzive kuti ungaenderera mberi sei.
Chinhu Chokutanga Pamusoro Pokudzidza Nzira Yokushandisa Mari Yako Kuziva Kuti Basa Rako Nderokuwana Cash Flows
Izvi zvingaita sezvinongoita zvisinganzwisisiki asi zvakakosha kuti iwe uwane iyi pfungwa. Zvose- zvikwereti , zvisungo , imba , mabhizimisi ega ega , inyanzvi pfuma, maitiro ekugadzirisa, zvose-zvinobatsira iwe sekutsvaga chete kana ichikwanisa kuchinjwa kana kukanda mari inoshandiswa iwe iwe pane imwe nguva mu ramangwana mune mari iyo, yakagadzirirwa njodzi, kutengesa, mitero, uye nguva, inokupa mubayiro wekurega kushandisa mari yako nhasi. Kare, ndisina kutaura nenzira iyi nenzira iyi mubhuku rangu rega rega ndichirondedzera se "mavhiri maviri mafiro ehutano hwemari", dzimwe nguva achidzokorora zvakadzama mumashoko akadai seyu.
Panzvimbo yekutsvaga nzvimbo yevatsvaga , ndakanyatsotaura nezvazvo mumashoko akadai sekuti When It Comes to Investing in Stocks, Job Your Is To Buy Profits .
Hazvina mhosva kuti chii chaunowana iwe kana kuti sangano repamutemo kana sarudzo yebhuku kuburikidza nayo, iwe unofanirwa kugara uchiziva izvo zviri kuitika chaizvo, pamatunhu akakwirira, kuti uwane mari yakawandisa kune iwe.
Ndeipi basa rezvehupfumi? Izvo zvakagadzikana here? Ndezvipi njodzi dzinogona kuzviisa pangozi?
Rega ndikupe muenzaniso. Fungidzira iwe uzarura Roth IRA . Iwe unopa $ 5 500 kune iyo, iyo ndiyo miganhu 2016 yevatengesi vaduku kudarika makore makumi mashanu. Iwe unoshandisa mari iyi muzvikamu zveS & P 500 index index. Sezvazvino, February 28, 2016, 3.158469% yemari yako ichazoiswa muApple. Izvi zvinoreva kuti zvinenge $ 1.00 kubva pamadhora ose 31.66 iwe unoshanda uri muiri weCalifornia-based technology guru. Paunenge uchichera mumakambani ekushanda kwekambani kuburikidza nekudzidza bhadha rekutsvaga nemashoko ekuwana mari anowanikwa mumugumo wegore uye Fomu 10-K kuisa , unoona kuti inenge 58% yehutengo hwekambani inobva pakutengesa iPhones.
Muchidimbu, izvi zvinoreva kuti 1.83% yemari yako yakasungirirwa zvakananga kubudirira kwe iPhone. Kana Apple ichingorasikirwa nekutonga kwayo kune imwewo, firimu shoma iyo isiri chikamu cheS & P 500, zvisinei nokuti chii chakaitwa nematengesi munguva pfupi, kwenguva refu , uchaona hupfumi huchibviswa ruzha rako pachako rinokosha. Chikonzero: Pakupedzisira, chii chinonyanya kukosha ndiyo mari iri kuitirwa iwe.
Nhamba iyo iyo mari yaunoona, iyo isingatombotombovepo, iyo ibhasi rakasanganiswa rezvikwata. Iko mashizha ndeyekupedzisira akakosha chete mari inoyerera iyo inobereka iwe, semuridzi. Izvi zvinoyerera mumari zvinoratidzika sekudzoka kwakakwana asi kana mari inoyerera ikaoma, pakupedzisira, zvakare, ichasara.
Chinonyanya kukosha: Haugoni kupukunyuka mune zvehupfumi. Vatengesi vanoedza nguva nenguva - vanoti vatsva IPOs kumatenga uye vanoita kuti vanhu vafunge kuti vari kuwana pfuma usiku hwose - asi pakupedzisira, pfuma inobatsira ndiyo inoita kuti pfuma isingaperi. Uyezve, iwe unobhadhara kune iyo mari inoyerera ndiyo yakagadziriswa yakakosha yehuwandu hwekuwedzera kwehuwandu hwegore . Nguva dzose uzive kuti mari iri kubudiswa sei. Nguva dzose uzive zvauri kuripa muhomwe yekupa. Kana iwe usingakwanisi kuinyora mumitsara mishomanana pane kadhi rekanyorwa, kubhejera kwako, kwete kuisa mari.
Kuti udzidze zvakawanda pamusoro peizvi, verenga Market Timing, Valuation, uye Kugadziriswa Kwezvinhu.
Icho Chinhu Chinoenderana Nekudzidza Nzira Yokushandisa Mari Yako Kuziva Nzira Yokuzvidzivirira Sei uye Kuderedza Mitero
Kana ukangosarudza zvinhu zvauri kuda kuwana uye zvichave zvichikudzidzira mari yako, iwe unoda kuisa zvinhu izvozvo mune chimiro kana kambani inonakidzwa nemutero wepamusoro uye zvigadziro zvekuchengetedzwa kwemari. Aya ndiwo maonero maviri akasiyana akafanirwa kutorwa pamwechete.
Kunyangwe iri kushandiswa kwemhuri yakabatana kushamwaridzana kana ye trust trust , SIMPLE IRA kana 401 (k) hurongwa , sarudzo imwe neimwe yepamutemo uye yekodhi yekodha ine zvigaro zvayo uye zvipingamupinyi. Somuenzaniso, gore rakapera, muna 2015, kana iwe usina kuvharwa neurongwa hwekurega basa kubasa, mari yakabatanidzwa kuMutambo IRA (iwe unogona kupa $ 5 500 kana uri muduku kudarika 50 kana $ 6 500 kana uri mukuru kune makumi mashanu asi pasi pe70.5 wemakore) vakagamuchira kubhadhara mitero chero bedzi iwe usina kupfuudza miganhu yemari. Kana iwe usina kuroorwa uye uchiwana mari yakashandurwa yemadhora makumi matanhatu nemashanu kana kuti pasi, kana kuti wakaroorana nekunyora pamwe chete uye uchiwana mari yakawanda yakashandurwa ye $ 183,000 kana kuti pasi, iwe unogona kubvisa mupiro kubva pamari yako inotengesa. Pamusoro peizvi, mari ipi neipi inowanikwa mukati meMutungamiri weIra kusvikira iwe uchiita kubvisa pazera remakore 59.5 kana kupfuura haisi pasi pemitero. Pane kudaro, iwe unobhadhara mitero paunodzinga, unowedzera mari yaunotora kubva kuIradi yeChechi kusvika kune yako yaunowana.
Pamusoro uye kunze kweizvi, IRA yeChechi ine zvidzidzo zvekuchengetedzwa kwezvinhu. Muna 2015, kusvika ku $ 1,245,475 yemari yako yakabatwa mukati mekubatana kweChituro IRAs uye Roth IRAs inodzivirirwa muitiko iwe unofanirwa kuzivisa kubhadhara. Nokuda kwezvirongwa zvakadai seSeP-IRAs uye 401 (k) s, hapana muganho wekudzivirira kubhadhara. Izvi zvinoreva kana chimwe chinhu chakaipa chikaitika, iwe haungadi kutanga kutanga kugadzirisa kubva kune aya maakaiti, kuti, shandisa imba yako kubva pakuenda kusati kwaitika. Kana kusundira kwasvika kupfugama uye iwe unofanirwa kuzvikanda iwe petsitsi yedare rekudarika, iwe unoda kukwanisa kubva kunze kwemuzinda wemikova neurongwa hwako hwekusarura huri husina kunyatsogadziriswa, huchibatanidza iwe shure kwekukweretwa kwematokari ako.
Isa imwe nzira, iyo chaiyo iyo iyo inogona kuita zvakasiyana zvakanyanya kwauri maererano nemaitiro anobatsira sei kukura mumatare ako zvichienderana nekupi kwaanoiswa. Iyi inyanzvi inozivikanwa seasset placement .