Maitiro Okutora Kusarudzwa Kwematambudziko Kusiyana
Pano pane nzvimbo shanu apo vakaroorana vangave vachida kurongedza nzira iyo vanoita basa rekurega basa.
1. Kuzviona SeMari Yangu / Mari Yako
Vakawanda vakaroorana vanofunga maererano ne "mari yangu" uye "mari yako." Mumwe wavo angashandisa mari yavo yokurasikirwa zvakanyatsochengetedza asi mumwe wake anotora nzira inotyisa.
Mumwe wega angapa chikamu chikuru kumabhengi ekurega mari gore rega roga, asi mumwe mudzimai anopa zvishoma chete.
Pane mamiriro ezvinhu akajeka, akadai semhuri yechipiri kana yechitatu, apo hafu imwe neimwe inoda kutarisa zvinhu zvavo seyayo, asi kazhinji, pakuronga kwekurega mari, vakawanda vari vaviri vanozove nani kuburikidza nokutora imba yekuona.
Semuenzaniso, zvakadini kana chirongwa chako chekurega basa chichipa mari shoma inoenderana nekusarudzwa kwekusarudzwa uye chirongwa chemudiwa wako chinopa sarudzo yakawanda yakasarudzwa? Nokuronga kushanda seimba iwe unogona kubudirira pane zvakasarudzwa pane kusarudza zvingasarudzwa zvekutsinhanisa zvichienderana nemumwe.
2. Usingafungi nezvehupenyu huripo Tarisiro, Age uye Utano Kusiyana
Izvo zvinoshamisa ndezvokuti mumwe kana mumwe wenyu achararama kwenguva refu kupfuura iwe unogona kufunga. Unofanirwa kuronga izvi. Kunyange zvazvo zvingava zvakaoma kuva nekukurukurirana pamusoro pekutarisira hupenyu , zvinokosha kuita saizvozvo.
Uye kana pane hurukuro yakakura pakati pevamwe vaviri, izvi zvinofanira kuiswa muurongwa hwekupararira.
Ko kusiyana kwemakore kunobatsira sei kuronga kwako? Mumwe wenyu angatanga kutanga kutora mashoma ekugoverwa kubva kumabhengi ekurega mari makore mazhinji asati asvika. Izvi zvinongotungamira kune imwe nzira yekutsvaga kwekutsvaga mubhuku iyo inofanira kushandiswa nokukurumidza.
Mukuwedzera, kana mumwe ari muduku uye angararama kwenguva yakareba, zvinganzwisisika kutenga chikwereti chinopedzisira chawanikwa mune imwe nhoroondo yeIRA yeyo mudzimai wechidiki.
Kusiyana kwehutano kunobatsira sezvo kuchikanganisa kudiwa kwako kwekuchengetedza kwenguva refu, sarudzo yako (uye mari) yezvirongwa zvehutano, uye mararamiro emabasa ako aunoita munguva yekurega.
3. Kusarudza Pump Sum kana Single Life Pension Option
Izvo zvakaoma kuputsa mari yemarara. Vakawanda vakasiya mari mune hurongwa hwepenjeni vachifunga kuti zvichava nani kwavari kuti mari yacho iwanikwe mune imwe nhoroondo pane kubhadharwa kwavari segore rehupenyu pamusoro pehupenyu hwavo. Izvi hazviwanzo chisarudzo chakanakisisa.
Iwe unogona kuverenga muyero wekudzoka waunofanira kuwana muzvikwereti kuti upe mari imwechete iyo annuity option inopa, uye muzviitiko zvakawanda, zvingava zvakaoma kuti iwe uwane imwe yakaenzana yehutano hwekudzoka. Ivai vakangwari vevanopa mazano vanokuudza kuti vanogona "kuita zviri nani" kupfuura chirongwa chepenjeni.
Upenyu husina humwe kana humwe hutano hwehupenyu hwakasarudzwa . Heano mumwe muenzaniso wekanganiso huru: Kambani inobata mumhuri yechipiri yakasarudza kusarudzwa kwehupenyu humwe pahupfumi hwake (zvinoreva kuti kubatsirwa kunomira paanofa) uye panguva imwe chete yakaita mudzimai wake mubatsiri weIRAs yake.
Akafa anenge mwedzi gumi nemasere achienda kumusha uye $ 6 500 pamwedzi wepfabhoroti rubatsiro yakabva yamira. Zvingave zviri nani kumapoka ose dai akasarudza hupenyu hwekubatana huripo hwakaramba huri mubhadharo kumudzimai wake iye zvino uye akasiyira IRAs kuvana vake kubva kumhuri yake yapfuura.
4. Kuregeredza Kusiyanisa Kwekuziva Kwemari / Chiitiko
Zvinowanzoitika kuva nemumwe muwani ndiye mukuru wekusarudza. Mumwe mumwe wavo haasi kunyatsogadzirisa kuita mari yakawanda sarudzo kana kuti angave asina ruzivo kana unyanzvi hwakagadzirirwa kuongorora kusarudzwa kwekutsvaga kana kushandiswa kwemari yakaoma.
Mudzimai muduku akaoma sei achaita zvinhu kana akarasikirwa neshamwari yake? Vachazokwanisa here kutarisira mari yakawanda, kana kuziva kusarudza munhu akakodzera kuita kudaro?
Vanhu vekuAmerica vakwegura vave vavariro.
Mukadzi wako angatora sei kutengesa kana kudzvinyirirwa kubva kune mumwe munhu angangodaro achishandisa nzira dzinotyisa, kana kuti "shamwari" maitiro kuti aratidze chimwe chinhu chisina kukodzera?
Ita hurukuro dzechokwadi nemumwe wako pamusoro peizvi uye ona kuti matanho avanoda kutora kuti ave nechokwadi chokuti vari mumaoko akanaka kana izvi zvichiitika.
5. Kutanga kuchengetedzwa kwevanhu pasina kufunga nezvekupukunyuka uye kuwanika mazano
Social Security benefits ine yakavakwa muhutano hwehutano hwehupenyu kune vakaroorana vanonzi vapona vanobatsirwa . Nekugadzirisa zvishomanana, iwe unogona kazhinji kuwana mari yakakwirira yekubhadhara kubva kumunhu akaita mari yakawanda, uye iyo yakakwirira yemari yemari ichaenderera mberi nehupenyu hwomukomana akare-kare.
Mukuwedzera, mumatambudziko akawanda, mudzimai anowanikwa mari shoma anogona kukwanisa kubatsirana nemudzimai kwemakore mashomanana apo achimirira kubhadharwa kwemutengo wepamusoro kuti ave kutanga.
Pamusana pezvisarudzo zvose zviripo, vasati vataura kuti vakaroorana vanofanira kutarisa maitiro avo ekuchengetedzwa kwehutano hwavo hwehutano hunoita humwe uye kuti hunoita sei imba yose.
Zvinotora kutaurirana, asi seboka, unogona kubudirira kuburikidza nekuronga pamwe chete.