Ubushobozi bwo gucunga amafaranga mubushobozi ni ubwiza bwagaciro cyane cyane mubihe byubukungu bwifashe nabi, mugihe imbaraga zo kugura abaturage zigabanutse, ifaranga ryiyongera, kandi igipimo cy’ivunjisha nticyateganijwe rwose.Hano hepfo amakosa asanzwe ajyanye nibibazo byamafaranga hamwe ninama zogutegura imari kugirango zifashe gucunga neza imari yawe neza.
Ingengo yimari nicyo kintu cyibanze mugutegura imari.Ni ngombwa rero cyane kwitonda mugihe utegura ingengo yimari.Kugirango utangire ugomba gukora bije yawe ukwezi gutaha kandi nyuma yayo ushobora gukora bije yumwaka.
Nkuko ishingiro rifata amafaranga winjiza buri kwezi, gukuramo muriyo amafaranga asanzwe nkigiciro cyamazu, ubwikorezi, hanyuma uhitemo 20-30% kumafaranga yo kuzigama cyangwa kwishyura inguzanyo.
Ibisigaye birashobora gukoreshwa mubuzima: resitora, imyidagaduro, nibindi. Niba ufite ubwoba bwo gukoresha amafaranga menshi, gabanya amafaranga ukoresha buri cyumweru ufite umubare munini wamafaranga yiteguye.
Sofia Bera, umushinga w’imari wemewe kandi washinze sosiyete ya Gen Y Planning yagize ati: "Iyo abantu bagujije, batekereza ko bagomba kuyisubiza vuba bishoboka."Kandi mukwishura kwayo ukoreshe ibyo winjije byose.Ariko ntabwo bishyize mu gaciro ".
Niba udafite amafaranga kumunsi wimvura, mugihe byihutirwa (urugero byihutirwa byo gusana imodoka) ugomba kwishyura ukoresheje ikarita yinguzanyo cyangwa kwinjira mumadeni mashya.Komeza kuri konti byibuze $ 1000 mugihe habaye amafaranga atunguranye.Kandi buhoro buhoro wongere "umufuka windege" kumafaranga ahwanye ninjiza mugihe cyamezi atatu-atandatu.
Perezida w'ikigo gishinzwe imari Evensky & Katz, Harold Evensky agira ati: "Ubusanzwe iyo abantu bateganya gushora imari, batekereza gusa ku nyungu kandi ntibatekereza ko igihombo gishoboka".Yavuze ko rimwe na rimwe abantu badakora imibare y'ibanze.
Kurugero, kwibagirwa ko niba mumwaka umwe batakaje 50%, numwaka ukurikira bakabona 50% yinyungu, ntibasubiye aho batangiriye, kandi babuze 25% bazigamye.Noneho, tekereza ku ngaruka zabyo.Witegure kuburyo ubwo aribwo bwose.Kandi byumvikane ko, byaba byiza ushora imari mubintu bitandukanye byishoramari.
Igihe cyo kohereza: Mutarama-15-2023