Nzira dzekubatsira Kuvandudza MaPortfolio Holdings
Izvo zvaunofunga kuti iwe unoshandisa sei pfungwa imwe neimwe ichasiyana maererano nemamiriro ako ega, saka zvakakosha kuti iwe utsvake mazano eunyanzvi hwemitero akakodzera uye mupi wezano rekutsvaga mari.
1. Sarudza Chinangwa Chinojeka Pamari Yako Yepanzvimbo
Takataura pamusoro peiyi pfungwa uye ini ndatoenda kusvika pano kuti nditsanangure zvikonzero zvitatu kuti iwe chikwereti chikwereti chinofanira kunge chakatsanangurwa zvinangwa . Iwe unoda kuziva zvaunotarisira zvemari yako. Kana zvisina kudaro, iwe uchava segwenga risina chitunha pagungwa; kwete nhungamiro, pasina chinangwa. Ndiyo mamiriro ezvinhu anotyisa umo iwe ungazviwana iwe, kunyanya apo iwe unotanga kuswededza pedyo nekurega basa.
2. Chengetedza Mari Inoshandiswa Kubhadharwa Kuenda Kushoma
Sezvo shoko racho richienda, usabvarura zvigadzirwa, tenga mabhizinesi. Mutengesi wakaratidzwa kuti uwirirane nehurombo hutsva hwokuita. Kana iwe usingadi kuva nebhizimisi kwemakore mashanu, usatombofunga kutenga zvikamu kunze kwekuti iwe unonzwisisa zvakakwana, uye kubvuma, kuti nguva pfupi pemahombeksi yemasitendi haina musoro, isinganzwisisiki, uye isinganzwisisiki.
Iwe unofanirwa kubata zvinhu zvinokura zvakakosha kupfuura nguva, zvichiita kuti upi wepamusoro kune imwe mugove uye mafuta ekugoverana.
3. Chengetedza Mari Yako Inotsika
Dhora roga roga raunopa mubhadharo, mari yekutengeserana, mabhizimisi ekutengesa , uye mutual fund zvinodhura chikwereti madhora isingagoni kuwandisa iwe.
Zvinoratidzika semari shoma yemari gore roga roga zvinogona kuguma zvichikudhura iwe mazana ezviuru, kana kunyange mamiriyoni, emadhora muupfumi hwakarashika uhwo usingakwanise kudzoka.
4. Kuronga Zvaunotarisira Kubhadhara muNzira Yakagadziriswa
Idzi mbiri huru dzekuchengetwa kwematero emisasa inowanika kumakamuri ezasi uye apakati muUnited States iRoth IRA uye 401 (k) . Zvose izvi dzine mitemo yakasiyana-siyana, mitezo yemiganhu , uye mitero inobatsira, asi inogona kuva inoshamisa mukubhadhara kana iwe uchigadzirisa zvakanaka. A 401 (k) chirongwa chinokubvumira kuti iwe uwane mari yakasiyana-siyana, uye chero chipi zvacho chaunopa chinobviswa kubva pamari yako inotengesa. A Roth IRA inoshandiswa kuchinja; mari inobhadharwa mberi, asi ipapo hapana mimwe mitero pamusoro pemari inowanikwa, zvikamu kana chikwereti paunotora basa. Kuti uone kuti izvi zvingashanda sei munyika chaiyo, fungidzira kuti une makore gumi nemasere. Iwe unoshingaira kuisa $ 5 500 pagore muRoth IRA uye uite mari yacho muvhareji 8% yegore inodzoka kusvikira uchisvika 65. Paunenge wapedza basa, unenge uchinyara madhora 2,5 mamiriyoni munhoroondo yako.
5. Usazombobhadhara Imari
Hapana kuitenderera: Mutengo wakakosha kune iyo inodzorera iwe pakupedzisira unowana pane yako yekushambadzirwa kwepodfolio. Ndanyora mienzaniso chaiyo yepasi yeiyi munguva yakapfuura tichishandisa Wal-Mart Stores somuenzaniso wekuti vashandi vanogona sei kuva vasina kufanana kupfuura gore rimwechete, uye zvino kunetseka kusina tariro kune inotevera.
Iwe haugone kutenga chikwata nechepasi mari yekukohwa chibereko uye unotarisira kuita zvakanaka kunze kwekuti iine mamiriro ekudzoka anonyatsotenderera, kana kutanga-up uye yakakura kwazvo yekura.
6. Usavimba neUkubhadhara Imwe Chete, kana Kuti Chimwe Chezvikwereti
Hapana chikonzero iwe unofanirwa kunge uine mari yako yakawanda mune rimwe chete. Kana iwe uri kutsvaga yakakwirira yebhu chip stocks iyo inobhadhara 3% yeruzhinji yemichero, nei uchitenderera pane imwe chete yakasimba? Iwe unogona kuwana nyore nyore makambani gumi nemaviri ane maitiro akafanana, akasiyana-siyana kumativi ose, mashizha, boka rekutungamirira, uye kunyange nyika. Imwe nyanzvi yepodfolio ndiyo imwe iyo muridzi wayo asingabatsiri kana imwe kambani inokanganisa kana kuderedza chikamu chayo. Zvechokwadi, iwe haufariri kuzviona, asi zvinhu zvinongoramba zvichiri kupfuurira sezvo mari inouya muvanenge shure kwegore, gore negore.