Chinhu chinovhiringidza pamusoro pehuzhinji hwekusarura chisarudzo ndechokuti ivo vanogara nokusingaperi. Tora nguva yekufunga kuburikidza nesarudzo pamusoro pesarudzo yako huru yekurega basa: nguva yekutanga Social Security, nguva yekuenda kumusha, mari yekusarudzwa, uye nzira yekuisa mari yako yekurega mari.
1. Nguva Yokutanga Social Security
Icho chisarudzo chikuru chekurega basa chawakanyanya kuita iwe ndechepi kutanga iwe Social Security mazano. VaAmerica vanopfuura 50% vachavimba neSocial Security vanopfuura makumi mashanu kubva muzana yemari yavo yekusunungurwa.
Kufanana nevakawanda, unogona kufunga zvisina kururama zvinhu zviviri:
- Iwe unofunga kuti unoda kutanga kutora Social Security nokukurumidza sezvinobvira: Kana iwe uri 62 uye uchiri kushanda, zvikomborero zvako zvichave zvichienderana nemari yekuwana . Kutora Social Security pakutanga iwe ungave chimwe chezvinhu zvakaipisisa zvaungaita.
- Iwe unofunga kuti unoda kutanga kutora Social Security kana iwe uchitora basa rekusununguka: Sezvo nokuti iwe uri mujeri, haufaniri kutanga Social Security. Kana iwe uchingobhadhara mitero, dzimwe nguva iwe unogona kuwana zvakawanda mushure mekubhadhara mitero uchishandisa yako IRA mari makore ekutanga ekurega basa uye kunonoka zuva rokutanga re Social Social benefits.
Iwe unoda kusarudza nguva yekutanga yako Social Security mazano zvichienderana neurongwa huchakupa mari inotarisirwa kupfuura yehupenyu hwako hwose. Izvi zvinotsanangurwa zvichienderana nezvinhu zvinotevera:
- Waroora here kana usina kuroorwa? Vakawanda vakaroora havazivi kuti murume nemudzimai vanobatsirwa sei, saka ivo vanozviti mumwe nomumwe uye zviuru zvezviuru mune zvimwe zvingabatsiro. Kana iwe ukaronga chisarudzo chako, unogona kukwanisa kuwana zvakawanda.
- Kana wakaroorana, ndiani akanga ari mukuru wemutoro, uye chii chiri musiyano pakati pevamwe vaviri?
- Pane hutano hunoita kuti iwe utende kuti uchararama shoma kupfuura huwandu hweupenyu hunotarisira?
- Iwe unotarisirwa kuva mubhakoni yemutero uko iwe unogona kubhadhara mutero pahutano hwako hwe Social Security , uye iwe une zvimwe zvekuchengetedza kwekuwedzera kune Social Security? Kana zvakadaro, pangava nenzira dzekugadzirisa nzvimbo yako yekuwana mari yekuderedza yako yose mutero mutero mukurasira, izvo zvinowedzera mushure mekutora mutero wemari.
2. Nguva Yekutora
Rimwechete paunotora basa rinogona kuva rakaoma kuita kuti kukurumidza kwako kuende uye kudzokerazve kubasa kana uchida. Iwe unofanirwa kupfurikidza kuedza urongwa hwako hwekusarura mari yekuita kuti uve nechokwadi chokuti unomiririra pasi pasi pemamiriro ezvinhu akanaka. Mimwe mibvunzo yekufungisisa:
- Kana ini ndisati ndava 65, ndichabhadhara sei mari yehutano inshuwarheni?
- Kana ndikachengetwa uye mari yangu ichiwana mari yakaderera, ndinogona kuderedza mari?
- Ndiri kuda here kuderedza pane imwe nguva munguva yemberi?
- Chii chandichave ndichiita nenguva yangu? Ichange chiri kundibhadhara mari (kufamba, zvinonakidza) kana kundiponesa mari (ini zvino ndinogona kugadzira zvangu, kugadzira kumba)?
3. Ungatora sei Pension yako
Kana iwe ukashanda kune kambani inopa penheji, dzidza zvaunosarudza zvakanyatsonaka usati wasimuka. Mimwe mibvunzo yekufunga ndeyekuti:
- Kana ndakashanda kwemakore mashomanana, dai mari yangu yepenjini yaizokwira zvikuru?
- Ko kambani yangu inopa mari yemari kana annuity option? Kana vachidaro, chii chandinofanira kutora?
- Ndeipi yepensheni yandinofanira kusarudza nguva? Mubhadharo wehupenyu hwangu chete, kana kutora zvishoma zvishoma kuziva kuti zvingadai zvichienderera mberi muupenyu hwemumwe wangu (chimwe chinhu chinonzi chisungo pamwe nechakupona)?
4. Maitiro Aungaita Mari Yako Kubhadhara Mari
Kana uine mari mune 401 (k) hurongwa, iwe unogona kusarudza kana uchizoisiya ikoko kana kuti ugozviisa kune IRA.
Vamwe 401 (k) zvirongwa zvinopa masarudzo makuru ekutsvaga uye mune zvinyorwa zvepamusoro-soro izvo zvichapa mhando yezvisarudzo kune waunowana. Zvimwe zvirongwa hazvifananidzi zvakakodzera zvekuregera. Uyewo, yako 401 (k) chirongwa chinogona kuchinja vatapi venyika nguva ipi zvayo, saka iwe unorasikirwa nechimwe chinhu chekutonga nekusiya mari yako muurongwa. Kubhadhara mari inoda kuiswa mari yakasiyana-siyana kuitira kuti igare yakachengeteka uye inogona kubhadhara mari yakawanikwa. Iyi haisi nguva yekutora matambudziko makuru - iko kukanganisa kukuru pano, uye iwe unogona kunge uri mumatambudziko.