Dzidza kuti Imba Inowanikwa Sei Inogona Kuendesa Kukuru Kwemari muAkaunti yako yeBhangi
Heano zvikonzero zvishanu zvinoita kuti pfuma inogona kuva iyo inoshandiswa mari yakawanda.
1. Iwe Ndiwe Bhodha wePfuma Pfuma
Paunosarudza kuisa mari mune imwe nzvimbo yepfuma, iwe unova wako wega. Iwe unosarudza kuti zvipi zvinotengeswa iwe, iwe unotora chikwereti chipi, iwe uchatora mari yakawanda sei mubhadhare uye kuti iwe uchagadzirisa nekuchengetedza sei imba yacho yose.
Muvhareji mapfumbamwe 9 kusvika ku5 basa, iwe uri pasi pezvaunoshuviwa nahwamunini wako uye kambani yezvigadzirwa zvepamberi munharaunda, zvakadai sekunamatira purodhi yepfeko. Sezvo muridzi wako, iwe unogona kumuka pa11 mangwanani uye kupfeka Kermit iyo Frog tie kana iwe ukasarudza.
Nhengo kana mutual fund ndeimwe muenzaniso. Kunyange zvazvo iwe unogona kusarudza chero chikwata kana mutual fund kuti uite mari, iwe uchiri kubvumira mumwe munhu kutarisira uye kudzora mari yako.
2. Kukoshesa Kuwedzerwa kweApriestaged Asset
Kunyoresa , mumutauro wemasimani, zvinoreva iwe uise mari shomanana yemari yako, nekukwereta zvese, kazhinji kane makumi maviri kusvika makumi maviri, kubva kune chikwereti. Kana iwe uchitenga chivako uchishandisa zvikwereti zvakanyanya kudarika kuenzana, hutano hunoti "hune huwandu hwemari."
Ngatitarisei pamuenzaniso wekuti kushandiswa kwemari kunowedzera sei kudzoka kwako:
Kana iwe uine $ 10 000 kuti uite mari mune imwe nzvimbo, unogona kushandisa ikoreji nekubhadhara $ 90,000 kubva kubhangi. Nokubatanidza mari yako nebhangi yakabhadhara mari, iwe zvino wava kukwanisa kutenga $ 100,000 asset.
Tichafunga kuti gore rega roga, kwemakore gumi, iwe wekutsvaga mari yako ichakoshesa ne5%. Pano ndipo panogona kukwanisa kubatsira mauri. Kukoshesa kuri $ 100,000 pfuma, kwete chete $ 10 000 yemari yako pachako.
Muenzaniso:
Gore 0: $ 100,000
* 1.05 (kuonga)
Gore 1: $ 105,000
* 1.05
Gore 2: $ 110,250
... Gore 10: $ 162,889
Saka, mushure memakore gumi, nzvimbo yako yehupfumi ingadai yawedzera ne $ 63,000 madhora. Nokudaro, iwe ungadai wakashandura mari yako ye $ 10 000 mu $ 60,000 kuonga purogiramu chete nekushandisa kuwedzera.
3. Kuwana Mari Inotora Mari Muhomwe Yako
Tichifunga kuti iwe uri kuisa mari mune imwe nzvimbo yekuwana mari yekuitora nayo nevarimi, iwe uchakwanisa kuwana mari yekubhadhara.
Ngatiti iwe une muvakidzani mumwe chete. Iwe unorayira kuti muridzi wekambani $ 1,100 pamwedzi achibvarirwa. PITI yako yekubhadhara chikwereti is $ 700 pamwedzi. Saka, kubvisa $ 700 kubva ku $ 1100 kuchakusiya ne $ 400 kuti upinde muhomwe yako mwedzi wega wega, chakanaka? Kwete chaizvo.
Kubva iri $ 1,100, iwe unoda kufungidzira nezve 5% mumwedzi wekugadzirisa mari uye 5% muzvipo zvekugara . Nokudaro, iwe uchaisa $ 110 mubhengi rebhangi rakasarudzwa mwedzi wega wega kuti utarise nyaya dzekugadzirisa uye zvingave zvekugara kwemari. Kana zvose zvataurwa uye zvaitwa, iwe uchava ne $ 290 mwedzi mumwe nomumwe unoenda zvakananga muhomwe yako!
Muenzaniso:
$ 1,100 (renhi yemwedzi)
- $ 700 (mwedzi wePITI mvumo yekubhadhara mari)
= $ 400
- $ 110 (yezvokuchengetedza uye nzvimbo dzisina basa
= $ 290
4. Vashandirwi Vako Vachakoshesa Imari Yenyu Kwauri
Rudzi rwakakurumbira zvikuru rwechikwereti nderamakore makumi matatu anokwana kutengesa mari . Iine chikwata chekufarira icho chicharamba chiri chakafanana kwegore rose remakore makumi matatu emutengo wechikwereti. Pakutanga kwechikwereti, mari yakawanda inobhadharwa kune chikwereti kudarika mutungamiriri , asi negore rechi15, iri pedyo ne 50/50 split. Nokudaro, iwe paunenge uchitora nzvimbo yacho, yakawanda yemukuru wechikwereti vashandi vako vari kubhadhara pasi uye hupfumi huri kuzvigadzirira iwe pachako.
Iti iwe une $ 90,000 chikwereti chebhengi nebhadharo rekubhadhara mari ye $ 500. Mugore rimwe chete, inenge madhora mazana matatu nemakumi mana emadhora emitengo iyi ichaenda kune yekubhadhara chikwereti, asi $ 115 ichaenda kune kubhadhara mutungamiriri wechikwereti.
Muenzaniso:
$ 115 (mwedzi mukuru wepamusoro kubhadhara) * 12 (mwedzi) = $ 1,380 (kunyanya kuderedza kwegore)
$ 90,000 (chikwereti chepakutanga)
- $ 1,380 (nheyo huru pashure pegore rimwe)
= $ 88,620 (kubhadhara chikwereti mushure memakore 1)
Pakazosvika gore rechi15, inenge $ 270 yemari yekubhadhara mari yemwedzi inoenda kune iyo inofarira, asi iyo inosara $ 230 ichienda kune mukuru.
$ 230 (mwedzi mukuru wekubhadhara mukuru) * 12 (mwedzi) = $ 2,760 (kunyanya kuderedza kwegore)
Gore roga roga raunenge uine pfuma iyi, iwe uri kushandisa mari yomutengesi kubhadhara chikwereti chako. Nokuderedza chikwereti chemari yako, unenge uchivaka upfumi sezvo iwe uchazogona kuwana mari iyi kana nekugadzirisa chikwereti chako kana kutengesa imba.
5. Mutero Mukuru Huru-Zvipi zveNheyo Imba
Sezvo muridzi wepamba pfuma , iwe une kodzero yekubhadhara mutero mukuru. Iwe unogona kunyora-kubvisa chikwereti pamutengo wako wekutenga kana pane chero makadhi emakadhi anoshandiswa kutenga zvigadzirwa zveimba yacho. Iwe unogona kunyora-kubvisa inshuwarisi yako, kugadzirisa kugadziriswa, kufamba kwezvibhadharo , chero mitemo yepamutemo uye yehupfumi , uye kunyange yeimba yako mitero . Iwe unogona kuona rumwe ruzhinji rwandu paNolo.com
Pamusoro pezvinhu zvose izvi zvakabviswa, hurumende inokubvumira kuti uwedzere mutengo wekutenga weimba yako kubva pane imwe nguva yakaderedzwa , kunyange kana pfuma yako iri kunyatsokoshesa kukosha.
Uchishandisa muenzaniso wedu wepamusoro, unogamuchira $ 3 480 mubhadharo yemari gore ($ 290 mwedzi mumwe nomumwe mwedzi 12). Kana iwe wakaita mari iyi mubasa rekugara kana mumusika wekutengesa, iwe ucharasikirwa chikamu chaicho chekubhadhara mutero wemari. Zvisinei, nekutora nzvimbo yekubhadhara , iwe unogona kukanganisa mari ye $ 3 480 nemari yekuderedza mari yeimba yako, kuitira kuti ugone kuderedza kana kubvisa zvachose mutero wemutero unofanira kubhadhara pane mari iyi yekuwana.
Taura neActorant kuti uone yose yako yaunyorera yekunyorera-offs.
Kuve mubairo weimba pfuma mhiko yakakura, asi, kana ikashandiswa zvakanaka, kuti kuzvipira kukuru kunogona kuunza zvakaenzana zvikwereti zvemari yakawanda.