Yakanakisa Retirement Investments - Savings mhinduro kugadzirira nemazvo

Wakazvinzwa nguva nenguva: zvakakosha kuti utange kuchengetedza mari yekurega basa nekukurumidza. Chokwadi, tichipihwa kurebesa kwehupenyu, zvidikanwi zvakasiyana zvevakasiya basa zvakawedzera zvakafanana. Zvisinei, izvi hazvisi hazvo kudaro pamari yavo. Sezvineiwo, kune akasiyana mainvestimenti anogona kuita yakakura mari yemudyandigere. Heano mamwe eakanakisa uye achakubvumidza iwe kuti ubatsirwe nekuwedzera mari.

Iyo PER (Retirement Savings Plan) yekuronga pamudyandigere wako

Patinokurukura nzira dzakasiyana dzekugadzirira nguva yatisingachashandi, pane yakakosha PER kana Retirement saving plan. Yakagadzirwa nemutemo wePACTE kubva Gumiguru 1, 2019, iyo PER yakabudirira zvigadzirwa zvekare zvekuchengeta pamudyandigere zvakaita sePERP, PERCO uye akasiyana makondirakiti emudyandigere eMadelin.

Iri ihamvuropu yemutemo uye yezvemari inouya mumhando nhatu: 3 munhu PER uye 1 kambani PERs. Iyo Retirement Savings Plan inopavantageinonakidza mutero mabhenefiti, kunyanya kune chokwadi chekuti inofemerwa nemabhenefiti eHupenyu Inishuwarenzi:

• Inoshanduka, ichipa sarudzo pakati pekubvisa capital kana annuity.
• Kubhadhara kwekuzvidira muRetirement Savings Plan inobviswa kubva pamari yako yemutero kusvika padenga rakafanotsanangurwa.
• Kune vashandi vanozvishandira, mubhadharo unobviswa mukati memiganhu yakafanana neiyo yekare Madelin zvibvumirano zvekurega basa.
• Kusvika Zvita 31, 2025, vanhu vanoshuvira kuendesa zvishoma kana zvizere mari yavo yakachengeterwa kare muinishuwarenzi yehupenyu kune PER vanogona kusunungurwa pamutero. Ichi chirongwa chemutero chinopa kuregererwa kwakaenzana ne€9 kune vakaroorana kana vehurumende yekudyidzana, kana €200 kuvanhu vasina kuroora.

Izvo zvinofanirwa kucherechedzwa kuti kuti atore mukana wekubviswa kwemutero weRetirement Savings Plan, muponesi anogona kuisa mari yake yemutero mune imwe mhinduro yekuchengetedza yemudyandigere. Nenzira iyi, mari yakachengetwa ichagadzira davantage purofiti nekuda kwemutero unoyevedza paunobuda. Izvi ndizvo zvakaita, semuenzaniso, kune zvibvumirano zveinishuwarenzi yehupenyu anopfuura makore masere.

Kuisa mari mudzimba dzekuroja mu

• Kune vanhu vazhinji, kuisa mari mudzimba dzekurenda hakuna kukwirira pane yavo runyorwa rwezvasarudzo zvekuwedzera mari yavo yekurega basa. Zvakakosha kuziva zvekuisa mari mazviri.
• Nekudaro, zvakakosha kuziva kuti izvi zvinokutendera iwe kuti ubatsirwe kubva kune inogara sosi yemari. Kuisa mari mudzimba dzekuroja kunosanganisira kutenga (kana kuvaka) chivako nechinangwa chekurenda, uye vatengesi vanowanzoshandisa mbavha kuti vape mari.
• Kunyange zvazvo izvi zvingasaita semari yakakura pakutanga, inomanikidzira yenguva refu yekudyara. Chikonzero ndechekuti kudzoserwa kwemondi kunoitwa mutengi achiri kushanda. Sezvo rendi yagara ichibhadhara mari yemwedzi wega wega, zvinokwanisika kushandisa zvizere mari yaunotambira kana warega basa.
• Nekudaro, iwe zvakare unofanirwa kubata nemari inoenderana nekugadziriswa kwenzvimbo yako yekurenda. Izvi zvinoreva kuti iwe uchafanirwa kuwana rendi yakakwana kubhadhara mari yemwedzi nemwedzi uye chero kugadzirisa kunoda kuitwa. Kana iwe uchida kutora mukana weiyovantageKana iwe uchida kuisa mari munzvimbo yekurojesa pasina kunetsekana, funga kutenga zvikamu zveSCPI (real estate investment company). Zvisinei, kudzoka kwese kunogona kunge kwakaderera.

inishuwarenzi yehupenyu

Kudyara kwaunofarira kweFrench, kondirakiti yeinishuwarenzi yehupenyu ine akawanda mabhenefitivantages yakanangana nekuvhara mubatsiri wayo kubva kune njodzi nenjodzi dzehupenyu zvakazara. Iyi mari yenguva refu yakakurumbira nekuda kwechimiro chayo chakachengeteka, mutero wayovantagekushandiswa uye kushanduka kwekushanda kwayo.

Inishuwarenzi yehupenyu inochinja kune zvaunoda muhupenyu hwako hwese. Zvinokubatsira kuzadzisa zvinangwa zvako zvepakati uye zvenguva refu, sekugadzirira pamudyandigere kana kutamisa zvinhu zvako.

Pamusoro pezvo, inopa kuchinjika nekuti iwe une sarudzo yekuvaka zvishoma nezvishoma capital nekupa mari kontrakiti yako nekumhanya kwako wega. Iwe unogona kuita izvi kuburikidza nemahara kana yakarongwa kubhadhara, kusarudza iyo frequency uye huwandu. Kana mamiriro ako akachinja, unogona kuzvigadzirisa kana kuzvimisa.

Uyezve, mari yako yawakachengeta inoramba iripo kana zvichidiwa. Mari yekuwana mutero wemari inotsamira pazuva raunosarudza kudzikinura mutemo wako. Izvi zvinobvumira vane mapolicy kuti vatore chikamu kana chizere rudzikinuro zvichienderana nezvavanoda.

The Share Savings Plan in

• Iyo Equity Savings Plan (PEA) chigadzirwa chebhangi chekuchengetedza chakasimbiswa nemutemo wePacte. Inoshanda zvakafanana kune securities account yakabatana neakaundi yekubhangi. Inopa vagari vekuFrance mukana wekudyara mukutora uye manejimendi emasheya emakambani eFrance kana eEuropean mukati menguva refu.
• Saka zvinogoneka kuvaka portfolio inoumbwa ne: migove, zvitupa zvekudyara, migove yeSARL, kana kunyange migove mumasangano ekudyara akabatanidzwa (anochinja-chinja makambani ekudyara mari, masangano ekudyara akabatanidzwa muzvibatiso zvinochinjika, nezvimwewo). Nekudaro, PEA inofanirwa kuchengetwa kweashoma makore mashanu kuti ive yechokwadivantageux. Mushure mezuva iri, mari inowanikwa uye mibairo inosunungurwa pamutero wemari.
• Kugadzirira kuenda pamudyandigere, zvakafanirawo kusarudza PEA Assurance. Ichi chirongwa chekuchengetedza masheya chine maitiro akafanana neiyo classic bank PEA. Kunyanya zvichienzaniswa nevantagemutero, sirin'i yekubhadhara kana nguva shoma yekuchengetedza account. Asi, kuwedzera, a Iyo Equity Savings Plan yeInishuwarenzi inobatsira kubva kune zvakanakira zvakabatana neunit-yakabatana capitalization makondirakiti.

Nokudaro, hapana mutero wekuwana mari chero bedzi pasina kubvisa. Pamusoro pezvo, munyoreri ane kodzero yekupa yavo capitalization kontrakiti munguva yehupenyu hwavo. Izvi zvinobatsira kutarisira uye kugadzirira zviri nani pfuma yavo.