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Chii chinonzi Passive Income?
Zviri Mukati
Mazano ekuwana mari, anowanzo kunzi chirongwa chemari inongoitwa kana kungoyerera kwemari, izano rezvemari kana hurongwa hunobvumira vanhu kuti vawane mari nekuita kushoma kunoramba kuripo kana kuita basa. Chinangwa chikuru chechirongwa chemuripo wekuita ndechekuunza mari nguva nenguva pasina kuda kuenderera, basa rinorema.
Passive mari inogona kugadzirwa nenzira dzakasiyana siyana, kusanganisira:
Investments: Mari inogona kuwanikwa kuburikidza nekudyara mumasheya, mabhondi, real estate, kana zvimwe zviridzwa zvemari. Semuenzaniso, migove kubva kumastock kana mari yekurenda kubva kune real estate zvivakwa inogona kupa passive mari.
-Zvikwereti: Vagadziri uye maartist vanogona kuwana mari shoma kuburikidza nemitero kubva kune yavo yeruzivo, senge mabhuku, mimhanzi, patent, kana zviratidzo.
Bhizinesi Muridzi: Muhoro wepassive unogona kugadzirwa nekuva nekudyara mumabhizinesi, kungave semudiwa akanyarara kana kuhaya vamwe kuti vatarise mashandiro ezuva nezuva.
Kubatana Kushambadzira: Vamwe vanhu vanowana mari yekungoita nekusimudzira zvigadzirwa kana masevhisi kuburikidza nevanoshamwaridzana zvirongwa zvekushambadzira, vachiwana komisheni yekutengesa inogadzirwa kuburikidza neavanotumira malink.
Online Content: Vagadziri vezvemukati, vakadai seYouTubers, mablogiki, uye mapodcasters, vanogona kuunza mari inongopfuura kuburikidza nemari yekushambadzira, kutsigira, uye kushambadzira kwakabatana sezvo zvirimo zvichiramba zvichikwezva vaoni kana vaverengi nekufamba kwenguva.
Mari yekurojesa: Kuva muridzi nekurenda zvinhu zvenyama, senge zvivakwa kana zvivakwa, zvinogona kupa kwakaringana tsime remari yekungoita.
Zvakakosha kuziva kuti kunyange zvazvo mihoro yekuwana mari isingaite ingada kubatanidzwa zvishoma kana ichienzaniswa nemabasa echinyakare, kazhinji inoda kutanga kudyara kwenguva, mari, kana simba rekumisa nekuchengetedza. Pamusoro pezvo, haazi ese emari ekuwana mari anonyatso "kubvisa maoko," sezvo vamwe vangangoda manejimendi apo neapo kana kutarisisa kuti ive nechokwadi chekuenderera mberi kwe pundutso.
Kuwana Rusununguko Rwemari: Kuongorora 10 Passive Income Mazano
Mumamiriro ezvinhu ehupfumi anhasi, kutsvaga rusununguko rwemari kunowanzo kutenderera nekusiyanisa nzira dzekuwana mari, nechinangwa chikuru chekuunza mari yekungoita. Passive income inoreva mihoro inotorwa kubva muzviitiko zvinoda kushoma kuenderera mberi kwekuedza kuchengetedza. Aya mahombe emari haangopi kugadzikana kwemari chete asi zvakare anopa shanduko yekutevera zvimwe zvido nezvinangwa. Muchinyorwa ichi, tichaongorora gumi akasimba emari ekuwana mazano, imwe neimwe ichipa yakasarudzika mikana yekugadzira mari inowirirana.
Real Estate Investment: Real estate investimendi inomira segwaro repakona rekuita mari nzira kune vanhu vazhinji. Kuisa mari muzvivakwa zvekurojesa kunobvumira vanoisa mari kuti vawane mari yekuroja kuburikidza nekubhadhara pamwedzi. Kiyi yekubudirira mune real estate iri mukutsvagisa musika, hunyanzvi hwekutarisira zvivakwa, uye kunzwisisa kuyerera kwemari. Pamusoro pezvo, Real Estate Investment Trusts (REITs) inopa nzira yekuisa mari muzvivakwa zvinogadzira mari pasina mabasa ekutonga zvivakwa.
Dividend-Paying Stocks uye ETFs: Kuisa mari mumasheya ekubhadhara-dividend uye Exchange-Traded Funds (ETFs) imwe nzira yakakurumbira yekuwana mari. Makambani anogovera migove anogara achipa vagovani chikamu chepurofiti yavo, kazhinji pakota. Dividend stocks inofarirwa nekuda kwekugona kwavo kuunza mari inowirirana uye kukura kwenguva refu, zvichiita kuti ive sarudzo yakavimbika kune vanoisa mari vari kutsvaga kuvaka hupfumi nekufamba kwenguva.
High-Yield Bonds uye Bond ETFs: Mabhondi ane goho repamusoro uye maBond ETF anopa vanoisa mari mukana wekuwana mari inongoitwa kuburikidza nekubhadhara mari yechimbadzo. Idzi mari dzinowanzopa goho repamusoro zvichienzaniswa neakaunti ekuchengetedza echinyakare kana maCD, zvichiita kuti ataridzike kune avo vari kutsvaga kuyerera kwemari kwakadzikama nenjodzi yakaderera. Bond ETFs inopa kupatsanurwa pane imwe portfolio yemabhondi, kuderedza njodzi yechikwereti chemunhu uye kuwedzera kugadzikana kwese.
Gadzira uye Tengesa Digital Zvigadzirwa: Muzera redhijitari, kugadzira nekutengesa zvigadzirwa zvedhijitari zvinomiririra nzira inobhadhara yekungoita mari. Zvigadzirwa zvedhijitari zvakaita se-e-mabhuku, makosi epamhepo, uye software zvinogona kuvandudzwa kamwe uye kutengeswa zvadzokororwa pasina kudiwa kwemari yekugadzira inoenderera. Zvigadzirwa zvedhijitari zvakabudirira zvinowanzogadzirisa matambudziko chaiwo kana kuitisa niche misika, zvichibvumira vagadziri kuti vawane mari yekungoita kubva kune vateereri vepasirese.
Kubatana Kushambadzira: Kushambadzira kwakabatana kunogonesa vanhu kuti vawane mari yekungoita nekusimudzira zvigadzirwa kana masevhisi anopihwa nemamwe makambani. Kuburikidza nehukama hwehukama pane mawebhusaiti, mablogiki, kana masocial media mapuratifomu, vatengesi vanowana makomisheni pakutengesa kunogadzirwa kubva kwavari kutumira. Vanobudirira vanobatana vatengesi vanosarudza zvigadzirwa zvinoenderana nezvido zvevateereri vavo, vachisimudzira kuvepo kwavo pamhepo kutyaira traffic uye shanduko.
Peer-to-Peer Lending: Peer-to-peer (P2P) mapuratifomu ekukweretesa anobatanidza vanokwereta nevakweretesi, zvichiita kuti vanhu vakwanise kuwana mari yekungoita kuburikidza nekubhadhara mubereko. Vanoisa mari vanogona kusiyanisa mapotifolio avo nekukweretesa zvidiki kune vakawanda vanokwereta, vachiparadzira njodzi uku vachikwanisa kuwana mibairo inoyevedza. Mapuratifomu ekukweretesa eP2P anofambisa kutengeserana kuri pachena uye anopa maturusi ekuongorora kukweretwa kweanokwereta, kuwedzera chivimbo chevasima mari uye kudzikisira njodzi dzekutadza.
Gadzira YouTube Channel kana Podcast: Kugadzira uye kuita mari zvemukati kuburikidza nemapuratifomu akaita seYouTube kana podcasts kwabuda senzira yakakurumbira yekuunza mari yekungoita. Vagadziri vezvemukati vanokwezva vateereri kuburikidza nekuita mavhidhiyo kana zvemukati zvekuteerera, kuita mari pazviteshi zvavo kuburikidza nemari yekushambadza, kutsigira, uye kutengesa kwezvinhu. Nekuzvipira uye kuenderana kugadzira zvemukati, vagadziri vanobudirira vanogona kuvaka mahombe emari emari apo vachigovana ruzivo rwakakosha kana varaidzo nevateereri vavo.
High-Interest Savings Accounts uye maCD: Ndichiri kupa goho rakaderera zvichienzaniswa nekumwe kudyara, maakaundi ekuchengetedza mubereko wepamusoro uye Zvitupa zveDhipositi (CDs) zvinopa kwakachengeteka uye kwakagadzikana sosi yemari isingaite. Zvishandiso izvi zvemari zvakanakira vanhu vanoisa pamberi pekuchengetedza mari uye kushaya mari ivo vachiwana mari shoma pamari yavo. Maakaundi ekuchengetedza mubereko wepamusoro anowanzo kupa makwikwi emubereko uye kuwana mari nyore, zvichiita kuti ive yakakodzera kune zvinangwa zvenguva pfupi yekuchengetedza.
Gadzira Bhizinesi repamhepo: Kuvaka bhizinesi repamhepo rinoshanda rakazvimiririra rinogona kuunza mari yakasarudzika nekufamba kwenguva. Mabhizinesi epamhepo anosanganisira akawanda mabhizinesi, anosanganisira e-commerce zvitoro, dropshipping mapuratifomu, uye kunyoreswa-kwakavakirwa masevhisi. Nekusimudzira otomatiki, kuburitsa mabasa, uye kushandisa nzira dzekushambadzira dzinoshanda, vezvemabhizinesi vanogona kukwira mabhizinesi avo epamhepo uku vachideredza kuita basa kwezuva nezuva.
Mari yemuhoro kubva kuIntellectual Property: Mari yemuhoro kubva kumidziyo yehungwaru, senge patents, kodzero dzekodzero, kana zviratidzo, zvinopa vagadziri mari yekungoita kubva kuchibvumirano cherezinesi kana kutengesa kwezvinhu zvavo. Kodzero dzezvivakwa zvenjere dzinopa kodzero dzakakwana dzekushandisa, kuburitsa, kana kugovera mabasa ekutanga, zvichibvumira vanogadzira kuti vawane mibairo pese pese pavanoshandiswa kana kutengeswa. Iyi mibairo yekuwana mibairo yekusika uye hunyanzvi, ichipa mabhenefiti emari kwenguva refu kune varidzi vezvivakwa zvehungwaru.
Mukupedzisa, kuwana rusununguko rwemari kuburikidza nemari inongowanikwa inoda kuronga zvine hungwaru, tsvakiridzo yeushingi, uye nzira dzakasiyana dzekudyara. Mazano gumi emari ekuwana anokurukurwa muchinyorwa chino anopa mikana inoshanda kune vanhu vari kutsvaga kuvaka hupfumi hwakasimba uye kuderedza kutsamira pane inoshanda mari inowanikwa. Kunyangwe kuburikidza nekudyara kwezvivakwa, masheya ekugovaniswa, zvigadzirwa zvedhijitari, kana mabhizinesi epamhepo, zano rega rega rinopa zvakasarudzika zvakanakira uye mukana wekugadzira inowirirana kuyerera kwemari nekufamba kwenguva.
Nekushandisa aya mazano ekuwana mari zvinobudirira, vanhu vanogona kugadzira nzira yekuzvimiririra mune zvemari, vachivabvumira kutevera zvido zvavo, kupedza nguva yakawanda nevadikani, uye kuwana kuchengetedzwa kwemari kwenguva refu. Sezvinoita chero zano rekudyara, zvakakosha kuti uongorore kushivirira kwenjodzi, kutsvaga zano rehunyanzvi pazvinenge zvichidikanwa, uye ramba uchitarisa nekugadzirisa portfolio yako kuti ienderane nekuchinja kwemusika mamiriro. Nekuzvipira uye kushingirira, mari inongoitwa inogona kushanda sechishandiso chine simba chekuvaka hupfumi uye nekuzadzisa zvinangwa zvemari muhupfumi hwazvino.
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