Chinoita Kuti Purogiramu Yakwegura Yezvikwereti Zvitsva zvikosha
Purogiramu yehembera inzira yekuziva kana vatengi vari kubhadhara zvikwereti zvavo munguva yekwereti inorayirwa mumakero ekambani. Zuva nezuva iro mutengi ari kunonoka kubhadhara mari yavo yekambani inotengesa mari yekambani yako kubva mune mari yekuyerera kwemaonero, saka kugadzirira purogiramu yekwegura yekutakura motokari yako yekusungirirwa inotora danho rinokosha rekubhadhara mari yebhizimisi.
Kana iwe ukaona kuti yepamusoro yezana yevatengi vako iri kunonoka kubhadhara zvikwereti, iwe unofanira kuongorora zvakare chikwereti chako uye chekuunganidza mazano uye kuita zvimwe zvigadzirisho.
Muenzaniso weHurongwa Hwekukwegura uye Kuti Ungaiongorora sei
Heano muenzaniso wezvinyorwa zvinowanikwa zvekugadzira hurongwa hwekukwegura kwekambani. Iyi kambani ine $ 100,000 munhoroondo dzinogamuchirwa. Vanopa kubhadhara kana vatengi vachibhadhara zvikwereti mumazuva gumi, iyo ndiyo nguva yekuderedza. Ndicho chikonzero iwe unoona mutsara wokutanga wehembera yekukwegura semasikati 0-10. Kutarisa patafura, unogona kuona kuti 20% yevatengesi vekambani vanotora mari yakabhadharwa.
Kuchechera Purogiramu
| Age of Account | Nhamba | % Total Value yeZviwanikwa |
| 0-10 mazuva | $ 20,000 | 20% |
| 11-30 mazuva | 40,000 | 40% |
| 31-60 mazuva | 20,000 | 20% |
| 61-90 mazuva | Zviuru gumi | 10% |
| Anopfuura mazuva 90 | Zviuru gumi | 10% |
| $ 100,000 | 100% |
Nguva yechikwereti chechimiro ichi ndemazuva makumi matatu, saka chikamu chechipiri cheguru rehembera mazuva gumi nemashanu. Kune kambani iyi, 40% yevatengi vanobhadhara mabhiriro avo panguva yechikwereti asi mushure mekutora nguva.
Izvi zvinoreva kuti 60% yevatengi vekambani vanobhadhara zvikwereti zvavo panguva, kusanganiswa kwevatengi vanotora kubhadhara uye avo vanobhadhara panguva yechikwereti. Icho chinongova chikamu chiduku chinopfuura hafu chemakambani akasimba uye kana makambani akawanda, izvi hazvina kukwana.
40% yakazara yevatengi vekambani iri kudengesa nemari yavo.
20% ndeye mazuva makumi matatu nemakumi matatu ekupedzisira, 10% ndeyemazuva 61-90 ekudarika, uye 10% yekambani yemakwereti yekambani iri kupfuura mazuva makumi mapfumbamwe apfuura-nemhaka. Icho ndicho chikamu chikuru chezvikwereti zvinodarika.
Kazhinji, kana mutengi ari pakati pemakore 90-120 apfuura nekuda kwechikwereti, icho chikwereti chinoratidzika sechisingawaniki kana chikwereti chakaipa . Mumuenzaniso uyu, kambani iyi ine $ 10 000 mune zvikwereti zvakashata kubva kunze kwe $ 100,000 muzvinyorwa zvinogamuchirwa. Zvikwereti zvakashata zvinokonzerwa nemitero, asi makambani anoda kunge asingadi kuva nawo.
Iko kambani pasina mubvunzo inotambura nemari inoyerera maonero nekuda kwezvipfeko. Mari yavo inoyerera inogona kunge yakaderera uye iri kukwereta mari shoma kwenguva yakareba kuitira kuti ivhare maakare akanganisa pamusoro pekushanda kwavo. Izvi zvinoreva kuti vari kubhadhara chikwereti pazvikwereti zvenguva pfupi, izvo zvinovhiringidza kukwira kwavo kwemari zvakanyanya uye zvakashata zvinopesana nekubatsirwa.
Zvinoratidzika sekuti pangave nechinetso nekambani yekwereti yekambani, mutemo wekuunganidza, kana zvose zviri zviviri. Muridzi wacho anofanira kuongorora zvakare chikwata chekwereti uye chekuunganidza uye kuona kana mitemo inoda kusimbiswa. Zvichida vari kupa chikwereti kumakweretheni emakweretheni uye izvo zvinoda kumira. Zvichida havasi kuunganidza zvakashata zvakakwana.