Rautaki Tohatoha Rawa i roto i te Pūtea
He huarahi whai hua te haumi ki te whakatipu taonga me te whakatutuki i ngā whāinga pūtea mō te wā roa. Ko tētahi o ngā kī ki te haumi angitu ko te whakatinana i tētahi rautaki tohatoha rawa e tika ana. Ko te tohatoha rawa ko te tukanga wehewehe i tētahi putea haumi ki waenga i ngā momo momo rawa, pērā i ngā hea, ngā here, me ētahi atu rawa, me te whāinga ki te arotau i ngā hokinga mai me te whakahaere i te mōrearea.
Te Mārama ki te Tohatoha Rawa
Ko te tohatoha rawa he tikanga e whakamahia ana e ngā kaipupuri moni hei whakatau me pēhea te wehewehe i ā rātou haumitanga ki ngā momo rawa rerekē i runga i ā rātou whāinga pūtea, te manawanui mōrearea, me te pae wā haumi. He rerekē ngā āhuatanga mōrearea me ngā hokinga mai o ia momo rawa, nō reira ko te whakakotahi i ēnei momo rawa rerekē e tumanakohia ana ka āwhina i te whakapai ake i te mahi whānui o te putea.
Ngā Akomanga Rawa Matua
1. Ngā Hea (Ngā Pūtea): He haumitanga tēnei i roto i te āhua o te pupuri hea i roto i tētahi kamupene tūmatanui. He maha ngā wā ka tukuna e ngā hea he hokinga mai teitei, engari he nui ake te mōrearea ki te whakataurite ki te maha atu o ngā rawa. Ka taea e ngā utu hea te rerekē haere i roto i te wā poto nā runga i ngā āhuatanga maha, tae atu ki te mahi a te kamupene, ngā āhuatanga ōhanga, me ngā kare ā-roto o te mākete.
2. Ngā Here: He taonga nama ēnei e tukuna ana e ngā kāwanatanga, e ngā kamupene rānei. Ko te tikanga, ka tuku moni ngā kaipupuri here ki te kaiwhakaputa here me te tumanako ka whiwhi utu huamoni ā-wā, ā, ka whakahokia mai te moni matua i te wā e pau ai. Ahakoa e kiia ana he haumaru ake ngā here i ngā hea, kei a rātou tonu ngā mōrearea, inā koa e pā ana ki te mōrearea nama me te reiti huamoni.
3. Moni me ngā Moni Taurite: Koinei ngā rawa tino wai, tae atu ki te moni me ngā taputapu mākete moni. Ahakoa he iti rawa, he kore rānei he hokinga mai, he ngāwari, he haumaru hoki ēnei rawa nā te mea he ngāwari te uru atu i roto i te wā poto.
4. Ngā Rawa Rerekē: Kei roto i ēnei ko ngā whenua, ngā taonga hokohoko, ngā tahua tahi, ngā tahua ārai, me ētahi atu. Ka taea e ngā rawa rerekē te tuku atu i te kanorau atu ki tētahi putea, ā, i ētahi wā ka oati i ngā hokinga ahurei ki te whakataurite ki ngā akomanga rawa tuku iho.
Te Hiranga o te Tohatoha Rawa
Ko te painga matua o te tohatoha rawa ko te kanorau. Mā te kore e whakatakoto i ō hua katoa ki te kete kotahi, ka taea e ngā kaipupuri moni te whakaiti i te mōrearea e puta mai ana i te mahi ngoikore o tētahi, o ētahi rānei rawa motuhake. Mā te kanorau ka āwhina i te whakataurite i te mōrearea me te hokinga mai kia pai ake te whai hua.
Ko ētahi o ngā kōrero matua e whakamārama ana i te hiranga o te tohatoha rawa ko:
1. Te Arotau i ngā Whakahokinga Moni: Mā te tohatoha rawa ka āwhina i ngā kaipupuri moni ki te whakatutuki i ngā hokinga moni mōrahi me te taumata mōrearea e whakaaetia ana. Mā te kanorau puta noa i ngā akomanga rawa ka taea e ngā kaipupuri moni te whai hua mai i ngā momo taraiwa mākete.
2. Te Whakahaere Mōrearea: He rerekē te taumata mōrearea o ia momo rawa. Mā te tohatoha rawa puta noa i ngā momo rerekē, ka taea e ngā kaipupuri moni te whakaiti i te mōrearea whānui o tā rātou putea. Hei tauira, ina heke te uara o ngā hea, ka taea e ngā here te whakarato i te pumau.
3. Te Whakahāngaitanga ki ngā Whāinga Pūtea: He rerekē ngā whāinga pūtea o ia kaipupuri moni, mō te wā poto me te wā roa. Mā te tohatoha rawa ka taea te whakatutuki i ēnei whāinga mā te whakanui i te huinga o ngā rawa e hāngai ana ki te pae wā.
4. Te Tiakitanga mai i te Hurihurihuri o te Mākete: He maha ngā wā ka hurihurihuri ngā mākete pūtea. Mā te kanorau mā te tohatoha rawa ka taea te whakarato i tētahi ārai ki ngā hurihurihuri wā poto, me te whakaiti i te pānga o te koretake o te mākete.
Rautaki Tohatoha Rawa
Hei hanga i tētahi rautaki tohatoha rawa whai hua, me whai i ētahi mahi matua. Anei ētahi rautaki e whakamahia whānuitia ana e ngā kaipupuri moni:
1. Te Whakatau i ngā Whāinga Pūtea
Me hangai ia rautaki tohatoha rawa ki tētahi whāinga haumi motuhake. He haumi mō te reti, he mātauranga mō ngā tamariki, he penapena mō tētahi whare, he mea kē atu rānei? Mā te tautuhi i tō whāinga haumi ka taea te whakarato i te huarahi mārama mō te whiriwhiri i ngā momo rawa me ngā rautaki tika.
2. Aromatawai Manawanui Tūponotanga
He rerekē te taumata whakamarie o ia kaipupuri moni ki te mōrearea. Ko te manawanui ki te mōrearea he ine i te nui o te piki me te heke o te uara haumi ka taea e te kaipupuri moni te manawanui me te kore e noho māharahara. Ko ngā āhuatanga pēnei i te tau, te moni whiwhi, ngā tāngata e whakawhirinaki ana ki a ia, me ngā manakohanga whaiaro ka pā ki te manawanui o te tangata ki te mōrearea.
3. Te Whakareatanga
Ka horapa te kanorautanga ki tua atu i te tohatoha i waenga i ngā hea me ngā here, engari ki roto hoki i ia momo rawa. Hei tauira, i roto i tētahi putea hea, ka uru pea te kanorautanga ki ngā momo rāngai ahumahi me ngā rahi kamupene (te rahi-pūtea, te waenga-pūtea, me te iti-pūtea). I roto i ngā here, ka uru pea te kanorautanga ki ngā here kāwanatanga, ngā here umanga, me ngā here o te ao.
4. Te Whakataurite Anō
Ka rerekē haere ngā mākete pūtea, ā, ka rerekē te uara o ngā momo rawa i roto i tō putea i roto i te wā. Ko te whakataurite anō ko te tukanga o te whakatikatika anō i te ranunga rawa i roto i tētahi putea kia mau tonu ai te tohatoha tuatahi e hiahiatia ana. Ka taea tēnei te mahi i ia wā, hei tauira, kotahi i te tau, i runga rānei i ngā paearu motuhake.
5. Rautaki Āhuakore, Rautaki Āhuakore rānei
E rua ngā huarahi matua mō te whakahaere putea: he huarahi mahi, he huarahi kore mahi.
– Rautaki Ātaahua: Kei roto i tēnei ko te hoko me te pupuri i ngā rawa i runga i te tohatoha tuatahi me te kore e hanga i ngā huringa auau. Ko te whāinga he whakaata i te mahi whānui o te mākete. Ko ngā tauira rongonui o tēnei rautaki ko te haumi ki ngā tahua taupū, ki ngā tahua hokohoko-whakawhiti rānei (ETF).
– Rautaki Hohe: Kei roto i tēnei ko te whiriwhiri i ngā hea, i ētahi atu rawa rānei, me te whāinga kia eke ki te taumata teitei ake i te mākete. Ka whakahaerehia e ngā kaiwhakahaere putea hohe he rangahau whānui, ā, he maha ngā wā ka whakatikatikahia e rātou i runga i te mākete me te tātari ōhanga.
6. Ngā Whakaaro Tāke
Ka pā nui pea ngā taake ki ngā hokinga mai o ngā haumitanga. Mā te mārama ki ngā pānga taake o ngā rawa maha me te whakamahi i ngā pūkete whai hua taake, pērā i te Roth IRA i te Hononga o Amerika, i ngā hua rite rānei i ētahi atu whenua, ka āwhina i te whakapiki ake i ngā hokinga mai.
Akoranga Take: Te Tohatoha Rawa mō ngā Pūtea Reti
Kōtaha a te Kaipakihi:
– Tau: 35 tau
– Whiwhinga ā-tau: $70,000
– Te roanga o te haumitanga: 30 tau
– Kaupapa: Hei kohi moni penihana
– Te manawanui mō te mōrearea: Taurite
Rautaki Tohatoha:
1. Ngā Hea (Ngā Pūtea) – 60%:
– Ngā hea nui-rahi: 30%
– Ngā hea waenga-pūtea me ngā hea iti-pūtea: 20%
– Ngā hea o te ao: 10%
2. Ngā Here – 30% :
– Ngā here kāwanatanga: 15%
– Ngā here umanga: 10%
– Ngā here o te ao: 5%
3. Moni me ngā Moni Taurite (Moni me ngā Moni Taurite) – 5%
4. Ngā Rawa Rerekē – 5%:
– Ngā tahua moni tahi mō ngā rawa whenua, ngā tahua moni tahi rānei
Ngā Whakarerekētanga ā-Tau:
I ia tau, ka taea e ngā kaipupuri moni te whakataurite anō kia mau tonu ai ia momo rawa ki tā rātou tohatohanga whāinga. Hei tauira, mēnā he tino pai te mahi a ngā hea, ā, e 70% o te putea inaianei, ka hokona e ngā kaipupuri moni ētahi hea, ka hoko here, ētahi atu rawa rānei hei hoki ki tā rātou tohatohanga taketake e hiahiatia ana.
Whakamutunga
He mea nui te tohatoha rawa o tētahi rautaki haumi mō te wā roa. Mā te mārama ki ngā whāinga haumi, te manawanui ki ngā mōrearea, me te kanorau, ka taea e ngā kaipupuri moni te hanga i tētahi putea pumau ake e kaha ana ki te whakaputa i ngā hokinga mai e hiahiatia ana. Ko te kī ki te angitu ko te ngākau nui ki te whakatinana me te whakarerekē i te tohatoha i runga i ngā āhuatanga mākete e huri haere ana me ngā whāinga pūtea.
Mā te whakamahi i tētahi huarahi whakahaere tika mō te tohatoha rawa, ka taea e ngā kaipupuri moni te whakatere i te huringa o te mākete me te māia ake, me te whakatutuki i ā rātou whāinga pūtea mō te wā roa.
