Zvinonyanya Kukosha Chokwadi Chinoita Kuti Pave Nokuda Kwemari Kwako
Mumwe nomumwe wedu ane zvipfigiso zvedu pachedu kubudirira. Iwe unogona here kubvisa kuchengeteka kwako zvachose mumaoko emaumwe munhu?
Maererano neLiz Davidson, CEO uye muvambi weFinancial Finesse - mutungamiri anotungamira wehurongwa hwekushanda kwepamberi dzehupfumi, kune chokwadi chinokosha munhu wose anofanira kunzwisisa kuti aite zvisarudzo zvakajeka nezvemari.
Vazhinji mazano kuvaridzi vanoita sevari kunyatsogadzirisa mari panzvimbo pevatengesi vanoita zvakanaka mukuita zvakanaka kwevatengi vavo kuti vabatsire kuita sarudzo dzakanaka dzekuita mari. Zvinosuruvarisa, vadzidzisi vezvemari vakawanda vari kushanda mukati meimwe nzira yakaputsika uye nhamba iri kukura yevanopa mazano vezvemari vakataura pachena pachena maonero avo pamusoro pezvinhu zvavanoda kuti vaudze vashandi vavo kare kare mumabasa avo. Chinhu chaicho ndechekuti vatungamiri vezvemari vakawanda havakwanisi kurovedzwa uye havana kubhadharwa kuti vaongorore zvakakwana zvose zvinogona kugadziriswa, kunyanya izvo zvisingakwanisi kugamuchira mubhadharo wekusunungurwa.
Somugumisiro weizvi zvinowanzovhiringidza mari yebasa rezvemari, vanhu vazhinji havazive kana vadzidzisi vavo vachigara vachiita zvakanaka. Liz Davidson ari piyona mumusangano wekusagadzikana mune zvemari zvakanaka. Bhuku rayo What Your Financial Advisor Isingakuudzei: The 10 Essential Truths That You Need to Know About Your Money , nemhaka yekusunungurwa musi waJanuary 5, 2016, inopedzisa kuburikidza nemari yezvemari nenzira inowanikwa nyore nyore yemari yemari inopa simba panzvimbo yekubvumira vanhu kuti vatore mumwe munhu anochengeta zvikwereti kune ivo pachavo kubudirira mune zvemari.
Kubva pane zvandaifunga nezvangu semurongwa wezvemari uye mudzidzisi, hezvino zvimwe zvikamu zvehutano hwekusarura mari iyo vapezi vezvemari havaiti nguva dzose basa rakanakisisa rokugovana nevatengi:
Munhu wose anoda ruzivo rwekushandisa purogiramu uye chirongwa chokuderedza kana kubvisa chikwereti.
Vazhinji vevashandi vezvemari vanoshanda nematare ekukweretesa zvakanyanya havakwanisi kukurukura nyaya dzebhajheji uye chikwereti .
Zvisinei, idzi nharaunda mbiri idzi dzinonyanya kukosha pakugadzirisa basa rekurega basa pasinei nematare ako anokosha .
Wana mazano kubva kune mudzidzisi wezvemari kana asingabatsiri kana paine 401k rollover, sarudzo yepensheni, kana kutenga kwehuturi yemuchuwarisi uri kutaridzirwa.
Vakuru vezano vezvemari vanobhadharwa chete kutengesa zvimwe zvigadzirwa; Icho chokwadi chiri choga chinoita kuti zvigone kupofumadza. Pre-retirees vanotarisana nezvimwe zvisarudzo zvakaoma zvikuru.
Somuenzaniso, funga mibvunzo iyi. "Ndirini pandinofanira kutanga kugamuchira Social Security ? Ndinofanira kusarudza purogiramu yemwedzi wega wega here kana kutora rumpu rollover kune IRA?" A "fiduciary" inofanira kugara ichiita zvakakunakira kunze kwekunge uchingosangana zvakanyanya kusagadzikana "kukodzera" mitemo. Zvisarudzo zvakafanana nezvo zvataurwa pamusoro zvinofanira kutungamirirwa neyanyanzvi ane maonero asina kufanira.
Mariro inonyanya kukosha.
Kuchengetedza basa rekushandira mari inonetsa apo iwe unofunga nezvezvinhu zvose zvisingazivikanwi zvakadai sekurarama kwehupenyu, kutarisira kwehutano mune ramangwana, uye kushambadzira kwemashamba. Zvakawanda zvezvinhu izvi zvingave zvipingamupinyi hazvisi zvekutonga kwedu. Ndicho chikonzero iwe unofanirwa kuisa pfungwa pane zvinhu zvaunogona kuzvidzora sekusika marudziro ekutsvaga mari. Kuchengeta mari yako yekugadzirisa mari yekuita mari yakaderera sezvinobvira pane chimwe chinhu chaunogona kudzora.
Pakati pevhesi, mari shoma yekutengesa mabhizimisi inowanzoita kuti pave nehuwandu hwemapepa ehurumende anochengeterwa mari yakawanda.
Kubhadhara mari yekusununguka hakusi nguva dzose pasina.
Hazvibviri kutengesa chimwe chinhu uye kusava nehanya nazvo. Vakuru vezano vezvemari vanopa rubatsiro rwekubhadhara mari pasina mari kuitira kuti vatengese kushandiswa kwemari kana michina yemishuwarenzi semugumisiro wezvirongwa zvirongwa. Iva wakangwarira kana iwe mupi wezano rezvemari ari kupa mari isingabhadhari mari uye uchitevera mari yekutora kuti uone kuti uri kuwana maonero akajeka uye asina hanya. Zvakanaka kuti vadzidzisi vabhadharwe nebasa ravo chero bedzi iyo iyo yemari yekubhadhara yakajeka uye inonzwisiswa zvakakwana nemutengi.
Kuita zvekutsvaga kwekutsvaga kwakapera.
Vakuru vemazano vezvemari vanobhadharwa kuburikidza nekutengesa komiti-based investment investments kana se peresenti yezvinhu zviri pasi pekutarisira (AUM).
Somugumisiro, nheyo yekutsvaga mari inowanzova inonyanya kukosha kwehutano-vadzidzisi vehukama. Zvisinei, kuisa mari inongova chinhu chimwe chete chepfungwa yakazara yezvemari. Ndicho chikonzero iwe unofanirwa kuisa pfungwa pakuenzanisa uwandu hwehupfumi hwako panzvimbo yekushandisa kushandiswa kwekutsvaga kwekuita semuenzaniso wega wekuti iwe uri kuita sei kubva mune zvemari.
Vazhinji vadzidzisi vezvenyanzvi pasi pekushandiswa kwemashamba kune dzimwe nguva kupfuura nguva yakareba.
Vatungamiri vezvemari vakanaka chaizvo vanobatsira kudzivirira vatengi kubva ku " gap mufambiro " kana kuchengetedza vatengi kubva pakuita zvisarudzo zvemweya. Kunyange zvakadaro, semagumisiro emakomisheni nemari yakawanda vadzidzisi vezvenzvipfeti vanopedzisira vashambadzika pamusika nekuda kwezvikwereti izvi uye mari dzekutengesa.
Vashandi havasi vakaipa kwazvo pakupa mari shoma yekutsinhanisa uye kushandiswa kweinishuwarenzi.
Kana iwe uri kuenzanisa mitemo yakasiyana-siyana yekuchengetedza mari kana kushambadzira kweushuwarenzi usakanganwa kuisa mabasa anobatsira mukuongorora kwako. Vazhinji vapeki vezvemari vanoregererwa kuongorora izvi zvingasarudzwa nokuti havagoni kubhadharwa pane izvo zvinorayirwa. Kunyange zvazvo pane zvikonzero zvakawanda zvepamutemo zvekuenda kunze kwezvipo zvebasa rako, unofanira kuva nechokwadi chekutarisa pane zvose zvingasarudzwa paunoshandisa hurongwa hwako hwemari.
Vamwe vanoronga mari uye vashandirwi vari kupa mazano asina kufanira.
Iyo yakanakisisa inokonzera kusagadzikana-kusina mari yekutungamira mari inobva kune unyanzvi uyo anoita sekutenda. Nhamba inokura yevadzidzisi vemari iri kuve yakagumburwa neyo yakaputsa system inofanira kushanda mukati apo ichiedza zvakare kubatsira vamwe. Vakawanda vanobhadhara mari-ivo chete vanogadzirisa mari vanopa mazano ekuronga kweawa imwe neimwe, sezvinodiwa-zvidzidzo apo vamwe vanopa hurumende inoshandiswa vachishandisa mwedzi wekubhadhara mienzaniso kana kuchengetedza gore negore. Kuwana kweZvimbiso dzeChepfenyuro yeChealth Planner ™ iri kuwedzerawo kuburikidza nevashandi vachipa pachena kana kugoverwa mari yekugadzirisa uye yehudziro kuvashandi sechikamu chebasa rebashandi.
Usatya kubvunza mibvunzo yakaoma pasinei nokuti yakakwirira sei kana kuti yakaderera kuvimba kwako zvakanyanya pamusoro pekuita zvisarudzo zvemari zvingangodaro zviripo panguva iyoyo.
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