10 Kushanda Pamwe Chete Mitemo Unofanira Kuziva

Kurega basa rinogona kushandiswa. Chii chinonzi actuarial analysis kana kugovera maitiro chero ipi zvayo? Kuwedzera pane kuvhiringidzika, mazwi aya anowanzova nemanzwiro akasiyana mukati uye kunze kwekunogara pasi.

Inowanzobvunzwa mibvunzo inosanganisira hupenyu hwepashure-career inotarisana nemashoko gumi ekurega basa. Kudzidza chimwe nechimwe chezvinhu izvi zvinowanzoshandiswa-zvinoshandiswa mune zvemari zvinofanira kubatsira kuti kunyadziswa kwako kurege kuitika uye kuita kuti kufamba kwako kuburikidza nekugadzirisa kurasikirwa kunzwe zvishoma nyore.

Mitemo Inofanira Kuziva

1. Zvikomborero Zvikomborero : Izvi ndezvikomborero zvakatove zvakatorwa asi hazvina kubhadharwa kwauri zvakadaro.
2. Actuarial Analysis: Zvinyorwa ndezvevashandi vezvebhizimisi vanoyera nekugadzirisa ngozi. Vanoongorora zvinyorwa kuti vabatsire kuita zvirevo zvakadzidziswa nezvezviitiko zvemuzouya uye zvinowanzobatanidzwa nekurega basa uye kuronga inshuwarisi. An actuarial analysis ndiyo kuongorora ngozi.
3. Zera Rokurasikirwa: Zera rekurega basa rinogona chaizvo kuva chero nguva iwe uchida kuti rive, zvichienderana nezvinodiwa uye rinoda ramangwana rako rekusasiya. Zvisinei, mune zvekufanirwa neHuman Security Security, nguva iyo munhu anogona kutora zvikomborero zvakakwana izera remakore 66. Unokwanisa kukodzera kubasa rekuchengetedzwa kwehupfumi hwevanhu panguva yemakore makumi matanhatu, asi kuita izvi kunoguma nekuderera kwekubatsira kwako kwose 25 muzana. A
4. Annuity: Kushandiswa kwegore negore kunopa mari yakatarwa yakabhadharwa mwedzi woga woga kana gore nokuda kwenguva yakatarwa yenguva, kakawanda hupenyu hwose. Izvi zvinowanzoshandiswa nemari , kubhadhara, kana inshuwarisi inobhadhara mahedheni ekubhadhara, sezvinotsanangurwa panguva yekusika kwegore.

1. Mubatsiri: Munhu anobatsirwa ndiye munhu kana sangano (kufanana nechivimbo) chamunosarudza kupfuurira nemari yenyu kana muchipfuura. Secondary beneficiaries, kana vashandi vanobatsirwa, vanoshandiswa kana muwani wekutanga asingagoni kuwanikwa, anoramba nhaka, kana kuti atofa.
2. Nguva Yekutsvaga: Kana pane kuchinja kukuru kunofanirwa kugadziriswa kurongwa hutsva kana huripo, nguva yekutema inowanikwa. Kazhinji, idzi nguva dzinotyisa dzinovhara mari mukati meurongwa kwemazuva matatu kusvika ku60. Mukuwedzera, kuchinja kusarudzo dzekutsvaga kwekutsvaga kana kuchinja kune imwe nhoroondo nenzira ipi zvayo hakubvumirwi munguva ino yekuvhara. A

1. Chidimbu Chido: Ichi chikwereti chinotarirwa pane zvose zviri mubhadharo huru uye ipi zvayo inowanikwa. Iyo ndiyo nzira inofanirwa yekufarira kufungidzirwa, sechidimbu chechido chinongowanikwa chete pamutemo wepamusoro uye kusazvidza kufarira.
2. Rollover: Rollover inowanikwa paunofambisa mari yekubvisa mari kubva kune imwe nhoroondo kuenda kune imwe, sezvaunogona kuita paunotamisa mari kubva kune imwe yepambani yekushandira mari yevashandi kune imwe chirongwa chekubvisa mari yevashandi. Imwe mamiriro ezvinhu angaita kuti rollover ive iwe uri kutambisa mari kubva kune waanoshandira urongwa kune imwe yega Retirement Retirement Account (IRA) kana zvimwewo.
3. Kutendeseka: Ichi chikamu chepamutemo, kazhinji chimiro chinosimbiswa neye gweta, izvo zvinokugonesa kuti ujekese kuti zvinhu zvako zvichagoverwa sei kana wapfuura.
4. Kuchengetedza Purogiramu : Apa ndipo apo mushandi "anowana" chikamu chepamusoro chechipo chemushandi pamwe nekuwedzera kwemakore avakashandira kambani yavo. Somuenzaniso, mushure megore rokutanga rebasa, vangave vakakodzera 20 muzana yevashandi. Mushure memakore maviri, vangave vakakodzera 40 muzana yemupiro wevashandi. Ichi chikamu chinoramba chichiwedzera kusvikira mushandi "awana" 100 muzana yemipiro yakaitwa munhoroondo yavo nevanoshandira.

Iye zvino zvawakadzidza zvakawanda pamusoro pemashoko ari pane urongwa urwu, iwe unotarisira kuti unokwanisa kutanga kugadzirira (kana iwe usati watova) hupenyu huri muhutano. Kunzwisisa mazano ezvemari kunobatsira kuronga kwako uye kukubatsira iwe nekukurukurirana kukurukura nemushandirwi kana mupiridzi wawakatsvaka rubatsiro.

The Bottom Line

Usarega kuvhiringidzwa kwemashoko aya kukuodza mwoyo kubva pakukwira munzvimbo yekugadzirisa basa rekusiya basa uye kuwana kubhadhara kwako kumashure kana kutanga. Kurega basa rekugara muhutano ihwo hutano hwehupenyu hunokosha hunoziva kana iwe uchida kuva wako pachako Mutengi weMari saka ita nechokwadi chekuita tsvakurudzo yako! Kuti udzidze zvakawanda pamusoro pemhando dzezvirongwa zvekurega basa, zvinowanzoitika FAQ, uye vashandi vekutora basa vanoshanyira PowerOverLife.