Uri kuwana bhonasi gore rino?
Kana zvirizvo, makorokoto!
Iwe zvino wave nemukana wekutenga izvo zvichabatsira zvakanyanya kumari yako. Kana iwe uchinetseka kuti ndezvipi zvekudyara mari kuita, hezvino zvimwe zvezvakanakisa zvekushandisa kuisa bhonasi yako mukati.
Sei Uchifanira Kuisa Bonus Yako?
Pane zvinhu zvakawanda zvaunogona kuita nebhonasi. Kunyange iwe ungasarudza kuipedza pane chimwe chinhu chakanaka iwe pachako, funga kuisa mari yacho panzvimbo. Zviri nyore kuona kuti sei ungayedzerwa kushandisa bhonasi yako.
Mushure mezvose, imari yakawanda yaungasazokwanisa kuona munguva pfupi iri kutevera.
Kuisa mari kwakakosha, mari yaunodyara izvozvi inozopedzisira yakwanisa kubatsira mari yako zvakanyanya kana mari yako yakura kana kuwedzera kukosha.
Kana wangoisa mari yacho, ichave yakakosha uye inogona kubatsira kuderedza kana kubvisa chikwereti.
Sei Uchifanira Kuisa Mumari?
Iwe unogona kuramba uchiwana yakakura mari kana iwe ukadyara muzvinhu zvakanaka. Inzira yakangwara yekuchengetedza ramangwana rako nechinhu chine mukurumbira wekuwedzera kukosha.
Kuisa mari zvine hungwaru mumidziyo yakakodzera kunogona kukubatsira kuvandudza mamiriro ako emari pasinei nezera rauri kana kuti uri kupi mune zvemari. Paunenge uchifunga nezvekuisa bhonasi yako, zvakakoshawo kufunga kuti ndeapi makirasi easset anozonyanya kukubatsira iwe.
Assets Kuisa Bhonasi Yako muIndia
Pane nzira dzakawanda dzaungaite kuisa bhonasi yako.
Ingo rangarira, kana iwe wakanyanya kusiyana-siyana, iyo yakakwirira kukosha kwekudyara kwako kuchave. Heano zvimwe zvezvakanakisa zvekushandisa muIndia:
Emergency Funds
Emergency funds inzira yakanaka yekubatsira mari yako kukura zvakanyanya. Izvo zvakakosha kuti uzive kuti mari yekukurumidzira haifanirwe kuiswa mune yega yega chikamu chekudyara.
Pane kudaro, mari yako inofanira kunge yakavakirwa parudzi rwechimbichimbi rwaungave uine. Unogona kunge uine homwe yechimbichimbi yezvinangwa zvekurapa, semuenzaniso.
Verenga kuti imarii yako yakakodzera emergency fund
Kubhadhara Chikwereti
Kunze kwekudyara mari mumari yekukurumidzira, zvakakoshawo kubuda muchikwereti uye kubhadhara chikwereti nekukurumidza.
Kana iwe ukawana mari kubva mukudyara uye kubhadhara zvikwereti zvako kamwechete, unogona chaizvo Chengetedza mari nekufamba kwenguva pasina kana kuwedzera mari yako yepamwedzi.
Dzidza nzira yekubhadhara zvikwereti zvako nekukurumidza.
Equity Exposure
Kune vanhu, kuratidzwa kwekuenzanisa isarudzo yakanaka nekuti vanogona kutora njodzi kana vakanzwa vakasununguka. Panzvimbo yekutevera mhomho, iwe unogona kuita mari yakawanda inogona kukubatsira kukura midziyo yako uye kuita mari ichiri diki.
Somuenzaniso, kana iwe uchida investing in stocks, zvakakosha kufunga nezvemusika wemari yose. Vazhinji vatengesi vanosvetukira mumusika vasina kuita chero tsvakurudzo uye zvichibva pamasikirwo avo uye manzwiro avo.
Vana Venyu
Kana uine mwana akura zvokukwanisa kutanga kuisa mari, zvakakosha kufunga nezvekuisa bhonasi yako muzvinhu zvinomubatsira kuti abudirire.
Iwe unogona kusarudza kuisa iyo bhonasi mukati musha kuvana vako mune ramangwana - neiyi nzira, vanogona kuvaka midziyo yavo uye kuona kugadzikana kwavo kwemari kwehupenyu hwavo hwose.
Mitemo yeinishuwarenzi ipfungwa huru zvakare nekuti inogona kubatsira kukudzivirira iwe nemhuri yako kubva kumari isingatarisirwe. Zvakakoshawo kuve nechokwadi chokuti mwana wako ane imwe rudzi rweinishuwarenzi kana akaputsa gumbo rake rekutsika.
National Pension System
(NPS) imwe sarudzo huru. Ichi chirongwa chepenjeni chinopa mutero nezvimwe zvinobatsira. Unogona kusarudza kuisa bhonasi yako muNPS kana zvimwe zvirongwa zvakafanana zvinopa mabhenefiti akafanana.
Iyo NPS yave kukura mukuzivikanwa, uye pane zvikonzero zvishoma zveizvi. Zvinogona kubatsira kuwedzera mari yaunochengeta pamudyandigere uye kuita kuti zvive nyore kwauri kusiyira vana vako nhaka.
Nei NPS iri zano rakakura rekudyara
Vaka Corpus yeKutenga Imba
Vazhinji vanoronga zvemari vanorayira vechidiki kuti vatore mabhonasi avo uye kuvaka korasi nechinangwa chekutenga imba. Iri izano rakanakisa nekuti rinogona kukubatsira kuvandudza hupenyu hwako munzira dzakawanda.
Kana iwe usingade kutenga imba, unogona kuisa bhonasi mune zvimwe zvinhu zvinogona kuita kuti hupenyu hwako huve nyore.
Zvitsva Zvitsva
Paunenge uchifunga nezvekuti ungaisa sei bhonasi yako, zvakakosha kuyeuka kuti iwe unofanirwa kuisa mari muzvinhu zvinokubatsira iwe kukura mari yako nekufamba kwenguva.
Kunyangwe kana bhonasi yako iri diki, inogona kuramba ichiita mutsauko wakakura kana ukaisa mari nenzira kwayo. Heano maitiro angu makuru ekutora kubva kuchinyorwa ichi:
- Kuisa mari ihunyanzvi hwehupenyu hwekuti vanhu vagadzirire ramangwana ravo rezvemari
- Kune akawanda ekudyara sarudzo muIndia uye mazhinji acho anonyanya kubatsira kune vechidiki.
- Zvakakosha kufunga nezvemamiriro ako ezvinhu uye kuti imhando ipi yemari yaunayo yekuisa.
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