Kurega basa ishoko uye manzwiro. Ndinoyeuka baba nasekuru vangu vachikurukura nezvekuenda pamudyandigere senguva yekuenda kumunda nekuchengeta vazukuru.
Nguva dzachinja, uye zvinosuruvarisa, vanhu vazhinji havamboregi mupfungwa yechokwadi ikozvino. Vanhu vazhinji havatombodi kuenda pamudyandigere! Vanogona kunge vaine chivharo chepamusoro pazera ravo rekushanda nesangano, asi zvakanyanya vanhu vanoramba pfungwa yekuregera zvachose.
Chimwe chezvikonzero zvatiri kuramba tichirasa pfungwa yekuenda pamudyandigere imhaka yekuti takabatanidza chirevo chisina kunaka pakutandara. Tinosundwa nepfungwa yokuva “vanobatsira” uye “vanobudirira,” pasinei nokuti zera redu richibvumira.
Sei Kuronga Retirement Investment
Asi zvisinei nemaonero ako ekuenda pamudyandigere - kunakidzwa nekutandara kana kutora rimwe bhindauko, chinhu chimwe chete icho munhu wese achabvumirana nemoyo wese ndechekuti tinofanira kupa makore kana tasvitsa makore makumi matanhatu. Tinofanira kuwana mari yekuchengeta tibatsire kutevera nzira yatinoda kurarama kana taderera.
Sezvatinoziva tese (asi pamwe tinoda kuyeuchidzwa nguva nenguva), pekutanga patinotanga kuisa mari, zviri nani.
Chimwe chezvikonzero zvekutanga kuisa mari pakutanga muhupenyu kuchengetedza zvirinani kumakore ekurega basa. Vanhu vari mumabasa ehurumende havafanirwe kunetseka zvakanyanya, sezvo vachiwana chitsama chemari pavanoenda pamudyandigere. Vanewo chirongwa chepenjeni chinoshanda. Ava vanhu vane rombo rakanaka vanogona kunetseka zvishoma nezvekusvika zera rekurega basa.
Kune vanhu vanoshanda mubazi rakazvimiririra kana vane bhizinesi, kazhinji hapana mari yekutakura kumba kana vaenda pamudyandigere, kana chirongwa chepenjeni. Mamwe makambani akazvimirira anopa, asi makambani mazhinji anonzvenga mari yakawedzerwa yekupa penjeni.
Izvi zvinoita kuti chikamu chikuru chevanhu vane makore makumi matanhatu muIndia vave vanovimba nevana vavo kuti vatarisire zvavanoda. Izvi zvapa zvakare kuwanda kwenyaya dzekushungurudzwa kwevakwegura muIndia. Kunyange zvingave zvinosuruvarisa, ichokwadi.
Ndosaka zvichikosha kuchengetedza makore ako echikuru kubva paudiki hwako. Isu tinokuunzira iwe akajairika zvikanganiso zvekudyara pamudyandigere zvaunogona kudzivirira kuti uve nechokwadi chekuti une hupenyu hune runyararo mushure mekuenda pamudyandigere.
DVISA IYI 10 RETIREMENT INVESTMENT MISTAKE
1. Kusaisa mari muchirongwa chepenjeni
Kana nzvimbo yako yebasa isingape chirongwa chemudyandigere, unogona kusarudza National Pension Scheme kana imwe yezvirongwa zvekurega basa zvinopihwa nemabhanga akaita seHDFC neICICI.
Zvizhinji zvezvirongwa zvepenjeni zvine nguva yekuvhara kusvika pane imwe zera kuti ive nechokwadi chekuti mari inoiswa inochengetwa kwemakore mushure mekurega basa.
Kuisa mari muchirongwa chekurega basa kana chirongwa chemudyandigere inzira yekumberi kuchengetedza zera rako rekubva pamudyandigere. Kana usiri kuisa mari mune imwe, unofanirwa kuve nechokwadi chekuti unodyara mune zvimwe zvinhu zvine nguva yekuvhara kusvika zera rekurega basa.
Paunenge uchisarudza chirongwa chemudyandigere chinopihwa nemabhanga akasiyana, ita shuwa kuti unonzwisisa zvese zvehurongwa uye mamiriro, uye uwane mibairo yakanaka pakudyara.
2. Kushandisa homwe yeakaundi yePF usati waenda pamudyandigere
Pfungwa huru kumashure kweEmployees Provident Fund yaive yekupa makore emangwana evashandi. Zvakadaro, zvakajairika kushandisa mari yakaunganidzwa muProvident Fund kuti ishandiswe mudzidzo yevana kana michato.
Saka, maakaundi mazhinji eProvident Fund haasi kunyatso kupa munhu akaibata, asi kupa vana nemhuri yavo. Panzvimbo pokuva tariro yavo yezvemari kwemakore pashure pokunge varega basa, mari yePF yakashandiswa kuisa muzvinodikanwa nezvido zvemhuri.
Muzviitiko zvakawanda, zvidikanwi zvakadaro uye zvido zvinogona kudzoserwa kwenguva inotevera kana kubatanidzwa kuitira kuti mari yekurega basa irege kushandiswa. Semuenzaniso, unogona kusarudza chikwereti chemudzidzi chemwana wako pane kusiya mari yako yeprovident fund.
Zvakakosha kuti mari yako yeProvident Fund irambe yakasimba kusvika waenda pamudyandigere. Kuwana chitsama kubva muProvident Fund account yako zvinoreva kuti unenge uine mari yakanaka yekuisa mubhizinesi kana kushandisa. mari yemwedzi mushure mekurega basa.
3. Kwete kuisa mari muETFs
ETFs kana Exchange Traded Funds inzira dzinodhura dzekudyara muzvibatiso, pasina dambudziko rekutengesa zuva nezuva. Zvechokwadi, ETFs inogona kutengeswa mukutengeserana kwezuva, asi inowanzova inobatsira munguva refu.
ETFs inoonekwa seyakakwana retirement assets sezvo ine mari shoma uye passive management. Nekudaro, usati wadyara muETFs, unofanirwa kuita tsvakiridzo yako zvakanaka, sezvo maETF achisiyana mukutarisira, kusiyanisa, nezvimwe.
Kana uine hurongwa hwekuita mari yakawanda, enda kumabhondi. Mabhondi anodzosera mari yekutanga uye anobhadhara mari dzechimbadzo nguva nenguva.
4. Kusava neFixed Deposit
Senyika, isu takagadzirira kuchengetedza. Mabhangi inzvimbo yedu yatinofarira yemari yezvinhu zvese zvine chekuita nekudyara.
Izvi zvichida nekuda kwenjodzi shoma ine chekuita nekuchengetwa kwebhangi. Sezvineiwo, mumakore gumi apfuura, mari dzemubereko dzebhangi dzave dzisina kusimba semusika we equity, mibairo yekuchengetedza ichidzika kusvika pasi pe3%. Asi, kutya kwekushanduka-shanduka kunoita kuti vanhu vazhinji vaende kure nemusika wekutengesa.
Kuchengetedza mari yakanaka sedhipoziti yakagadziriswa kamwe chete uyezve kutenderedza mari yekukura zvakare mudhipoziti yakatarwa inogona kuita chikamu chekuronga kwako kwekudyara.
Kunyangwe ukatanga pazera remakumi matatu nemashanu uye wodyara zviuru makumi mashanu semari yakatarwa yegore 35-yenguva ine 50,000% mubereko, panguva yaunenge wava nemakore makumi matanhatu, unenge wave pedyo ne1.5 lakh rupees zvakatowanda, zvichienderana ne mubereko.
Ini ndinokurudzira zvakasimba dhipoziti yenguva pfupi yaunoramba uchitenderedza kusvika pakurega. Unogona kutanga nemari diki dhipoziti uye pamwe kuwedzera kwairi zvishoma pese paunovandudza dhipoziti yako nguva. Ichava rubatsiro rukuru munguva yemakore ekurega basa.
5. Kusachengetedza chikamu chemari mukuchengetedza kana kuisa mari
Kana iwe ukatanga basa rako nekukurumidza, tanga kuchengetedza pamudyandigere wako mushure megore rekutanga.
Kana iwe ukatanga basa rako kunonoka, tanga kuchengetedza yako pamudyandigere kubva pamuhoro wekutanga.
Mafungiro akajairika pamusoro pekurega basa kwemireniyumu ndeyekuti ivo vachave vakakwana uye vakasimba mumakumi matanhatu avo sezvavari zvino uye vanogona kuisa mumaawa gumi ekushanda nesimba.
Kana iwe uchifunga kuti haufanirwe kuchengetedza zvekurega basa sezvo iwe uchange uchishanda zvakakwana kune rimwe basa renguva yakazara, funga zvakare.
Kunyange kuvanhu vari mubhizimisi, kuisa maawa akawanda pashure pezera rakati kunogona kutungamirira kukuneta chose chose. Uye ndosaka tichifanira kuchengetedza patinokwanisa kuitira kuti tibudirire patinenge tisingakwanisi.
Tinofanira kuchengetedza zvishoma 10% yemari yedu uye kuidyara. Chimwe chikamu chemari iyi yemwedzi nemwedzi inofanira kuchengetwa parutivi sechikamu chemari yedu yekurega basa.
Usave mumwe weavo vanhu vekare vanotarisa kumashure uye vanoona kuti vangadai vakachengeta mari yese yavakashandisa pasoda nemapati evhiki. Chokwadi izvo zvakakosha, asi isu tinofanirwa kuenzanisa kuti tichengetedze pamwe nekushandisa.
6. Kwete kuchengetedza siyana investment portfolio
Chikonzero chikuru chekuchengetedza rakasiyana-siyana rekudyara portfolio ndeyekuona kuti kana imwe asset value ichidzika, vamwe vanozozvigadzirisa. Iyo yakasiyana-siyana portfolio inoparadzira njodzi zvakaenzana, zvichiita kuti mari iwane pundutso.
Iyo yakasiyana-siyana portfolio inoreva zvakare kuti iwe unosanganisira ese ari maviri marefu uye mapfupi ekudyara. Kudyara kwenguva refu muzvisungo kana ETFs kunogona kupa kudzoka kwakanaka kwemakore ekurega basa.
Yakasiyana-siyana portfolio inogona zvakare kuve nemidziyo senge pfuma, zvichiratidza kuve yakanakisa sosi yekungoita mari yemakore akura.
7. Kutengesa midziyo yemadzitateguru/ midziyo yemumusha kuti vawane pundutso kwenguva pfupi
Kunyange zvazvo pfungwa iyi ingaite seisinganzwisisike, inosanganisirwa kuchengeta zvandinoona pakutenga nekutengesa midziyo yemadzitateguru uye mhedzisiro yekutengeserana kwakadaro.
Vazhinji vechizvarwa chedu chekare vakatamira kumaguta kunoshanda vakatengesa chikamu chavo chenyika yemadzitateguru mumisha nekuda kwezvikonzero zvakasiyana. Vamwe vakatenga imba yavo muguta; vamwe vakaisa mari yacho mudzidzo yavana vavo yokukoreji.
Nebudiriro inokurumidza munyika yedu mumakore makumi maviri apfuura, mazhinji emisha iyi akakura kuita mataundi akabudirira uye nzvimbo dzemudhorobha dzine bhizinesi rakawanda uye nzvimbo yebasa.
Saka zano rangu nderekuti usachimbidze kutengesa midziyo yemumusha wemadzitateguru ako. Mushure mekurega basa, unogona kuishandisa kune chimwe chinangwa chebhizinesi.
Unogona kuishandura kuti ive nzvimbo yeAirbnb kana kuishandura kuti ive nzvimbo yezviitiko zvemichato nezviitiko.
8. Kupedza mari yose pamafuta makuru Mhemberero
Michato yese inonakidza uye kutamba, asi kupedza kuchengetedza kwese nekudyara kuronga michato inoyevedza yevana vako kunogona kukanganisa hutano hwako hwemari.
Isu tinosungirira rusarura munharaunda kune vanhu vanosarudza mhemberero dzinodhura pane kushivirira. Asi ndizvo zvazviri – chiseko chevanhu. Funga usati waisa mari muzviitiko zvekupemberera - vanokubhadharira mari yako yekurega basa?
Kana vakadaro, unofanira kuderedza kushata. Zviri nani kupembera zvine mwero pane kuguma wava murombo pakukwegura.
Iwe unogona kuchengetedza nekudyara zvakaparadzana munguva pfupi pfupi nzira dzekudyara zvezviitiko zvakaita semichato, asi edza kusabata mari yako ine chekuita nemudyandigere zvakafanana.
9. Kusachengetedza chirongwa cheinishuwarenzi yehutano
Kusave nehurongwa hweinishuwarenzi yehutano iguva rekupotsa-kunze. Tese tinoziva kuti kuchipatara kumwe chete nokuda kwechirwere chakakomba kunogona kutitorera pfuma yedu uye kunogona kutipinza muchikwereti.
Chirongwa cheinishuwarenzi yehutano chinogona kutarisira chikamu chikuru chemari yehutano. Kuongorora kunoratidza kuti mari yehutano inowedzera mushure memakore makumi mana. Saka kunyangwe ukazeza kuzvitengera chirongwa cheinishuwarenzi yehutano mumakore ako makumi matatu, tora imwe usati wasvitsa makumi mana.
10. Kusava neinishuwarenzi yeupenyu
Izvi zvakanyanya kune avo vanhu vachiri vasina chirongwa cheinishuwarenzi yehupenyu.
Inishuwarenzi yehupenyu chinhu chinobatsira. Unodzosa mari yawakabhadhara mushure mekunge temu yako yapera, uye muchiitiko chisingafungidziri cherufu, mhuri yako inodzosera mari yakavimbiswa.
Ita shuwa kuti nguva yako yeinishuwarenzi yehupenyu yakatemwa zvekuti iwe unowana yako yekukura huwandu mushure mekurega basa. Iwe unogona ipapo kusarudza kuchengetedza iyo mari mudhipoziti yakatarwa kana kuiisa mune imwe bhizinesi zano.
Pfungwa yekutanga pamusoro pekuisa chinyorwa ichi kutungamira pfungwa dzako kune ichi chimwe chokwadi - ndapota funga nezvemakore ako ekurega basa pachine nguva. Investment yeramangwana yakakosha sekurarama hupenyu hwako izvozvi.
Kana iwe uine chero mazano kana zvasvika pakuronga pamudyandigere, tizivise! Tinoda kunzwa!
Govera chinyorwa kushamwari uye mhuri kana kugovera kuburikidza neyako social media. Inogona kuita sechiyeuchidzo chakakwana kune mumwe munhu waunoda kana kuziva.
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