Chii Chinoitika Kumutoro Wenyu Mari Kana Iwe Uchinyora Chitsauko 7 kana Chitsauko 13?
Izvi zvingaita sezvinonzwisisika paunofunga nezvekuwedzera kwemari yehutano hwemari, asi chaizvoizvo, chinonyanya kukonzera shure kwechikwata ichi chinopera chekugadzirisa hachisi chikwereti chezvokurapa asi chikwereti chekwereti chikwereti.
Saka chii chinoitika kumari yako yekurega mari mubhadhadzi usati wasimuka? Zvakadini nenguva yekurega basa? Is Social Security yako iri pangozi here? Ko kubhadhara kunokwanisika here kune vakwegura? Heano mhinduro dzemibvunzo shanu inowanzozivikanwa pamusoro pokurega basa mubhengi.
1. Kuisa bhadharo kunopindira mari yangu yekurega mari here?
Zvichida kwete. Pasinei nokuti wakachengetedza zvakadini mu 401 yako (k) , 403 (b) , 457 (b) , Keogh kana kumwe kugovana-kugoverana kana kurongwa kwebasa rinotsanangurwa, mari iri mumabhengi aya ekurega mari haigoni kugunzwa nevakwereta kana iwe ukamisa Chitsauko 7 chikanganisa , uye hachizokanganisa mari yaunoripira paunenge uchiisa Chitsauko 13 kubhadhara . Kana uine mari yakachengetedzwa muIRA, Roth IRA , SEP IRA kana SIMPLE IRA, mari yacho inowanzoregererwa nevatengi, asi kusvika kune imwe nzvimbo.
Kubvira munaMuvhuro 2013, muganhu uyu waiva $ 1.2 mamiriyoni (kana $ 1,242,475, kuti ave yakarurama). Inogadzirisa nekufamba kwenguva nemari yekurarama .
2. Ko kana ini ndatove ndiri mukutora basa uye ndikatora kuparadzirwa?
Kana uri kutora mari kubva kumakosheni ako ekurega, iyo mari inowanikwa kune vanotora chikwereti. Asi zvinoenderana nekubhadhara mari yakawanda yaunoda kusangana nayo mararamiro ako.
Kune vanhu vanokanda Chitsauko 7 kubhadhara, chinhu chipi nechipi pane zvaunoda kuzviriritira iwe pachako chingave chakanaka mitambo kune vatengi. Kune avo vanoisa Chitsauko 13 kubhadhara, mari inobva purogiramu yako yekurega basa kana zvirongwa zvingangosanganiswa mukugadzirisa kuti unokwanisa sei kubhadhara chikwereti chako.
3. Vanokweretesa vanogona kuwana mari yangu yeHindu Security?
Dzidzo, Social Security uye mari yehurema kune yakachengetedzwa pasi pemutemo wehurumende kubva pakugadziriswa nevatengi . Kana imwe nguva iyo ikashora bhangi yako yebhangi, zvakadaro, mari yacho inobatwa nekugadziriswa. Mashoko akanaka ndeokuti, pasi pekutonga kwe2011, mabhizimisi anofanira kuziva kana federal inobatsira inowanikwa munhoroondo asati agadzira zvinhu mukati. Kana Sangano Rekuchengetedzwa Kwevanhu kana humwe hurumende inobatsira inobatanidzwa, mwedzi miviri inobatsira inodzivirirwa kubva pakushongedzwa. Vamwe vanhu vanoita kuti ichengetedzwe nekuchengetedza zvekuchengetedzwa kwehupfumi hwevanhu mune imwe nhoroondo dzechikonzero saka zvakajeka kuti zvinhu zvakasiyana nevamwe.
4. Ndingaita here kuti ndibvise zvikwereti zvezvechiremba kuburikidza nekubhadhara?
Hungu, kana iwe uchikwanisa kuvharwa kweChitsauko 7, zvikwereti zvako zvezvechiremba kana chikwereti chakakosheswa nehutano chinonzi pakati pemhando dzechikwereti chinogona kubudiswa (mune mamwe mazwi: akadzimwa zvachose).
Chikwereti chekwereti chikwereti, zvikwereti zvemari, zvikwereti zvebhadharo, magweta emhosva uye mamwe matongerwo ematare anogonawo kubviswa. Kutengesa mari, kutengesa motokari, mitero yemitero uye mamwe mabhiriro emitero , rubatsiro rwevana, uye chikwereti chikuru chemari chikwereti chikwereti izvo zvinowanzoregererwa muChitsauko 7 kubhadhara. Kana iwe usingakodzeri Chitsauko 7 nokuti une mari yekukwanisa kuita izvi, unogona kuongorora Chitsauko 13. Pasi pemhando iyi yekubhadhara, iwe unobhadhara mubhadharo shure kwevakweretesi, kusanganisira vatapi vezvokurapa, nekufamba kwenguva.
5. Kufungidzirwa pfungwa yakanaka kune vakwegura here?
Izvo zvinoenderana nemamiriro ako. Kana iwe uri kunyura muzvikwereti zvisingabhadharo zvekurapa kana kadhi rechikwereti kufarira uye kubhadhara mari, kubhadhara kunogona kukupa ruzivo. Zvisinei, vamwe vakwegura vanogona kutaridzirwa se "kutonga uchapupu," izvo zvinoreva kuti iwe hauna zvese kune avo vane chikwereti kuti uunganidze kana vakakusunga iwe uye kukunda.
Kana iri iri nyaya yako, kubhadhara kungave kusingakoshi. Tsvaga zvakawanda pamusoro pebhishopiti uye kana zvine musoro kwauri.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.