Ronga mberi mberi kwezvinhu izvi zvishanu zvakakosha zvekusarura.
1. Utano - Medigap Plans kana Medicare Kubatsira?
Medicare inobatsira inotanga pamakore makumi matanhatu nematanhatu, izvo zvinoita kuti zvive nyore kubhadhara pa 65 pane makore makumi matanhatu kana makumi matanhatu. Medicare, zvisinei, haingabatsiri mari yako yese yeutano.
Pakati pevhesi, tarisira kuti ivhare nezve 50-60% yehutano hwekutarisira huchave uine. Kuti uwane humwe huwandu hwehupfumi huzhinji hwevatorwa vanotenga inslemental inshuwarisi (chirongwa cheMedigap) kana chirongwa cheMederal Advantage. Ichi chimwe chezvisarudzo zvaunoda kuita pa 65.
Pamusoro pekuchengetwa kwehutano hwemagariro, iwewo unoda kufunga nezvekuti unoda kushanda sei kwenguva refu yekuchengeta mari yaunogona kutora mushure mehupenyu. Kutarisira kwenguva refu hakusi kungoita zvekurapa. Inosanganisira zvinhu zvakajeka sevanoda rubatsiro nemabasa akasiyana-siyana ehupenyu hwezuva nezuva hwakadai sekuchenesa, kubika nekugeza. Vazhinji vakwegura vanoda rubatsiro urwu. Iwe unogona kutenga unhu hwekuchengetedza kwenguva yakareba, kana kuronga kuribhadharira mazvibatsiro kunze kwehombodo sezvaunenge uchida.
2. Zvekuchengetedzwa Kwemagariro: Tanga ikozvino kana Gare gare?
Iwe unofanirwa kuongorora zvakanyatsobatsirana nehutano hwekutanga Social Security pamakore makumi maviri nemakumi matanhatu akamirira mamwe makore mashomanana.
Sei? Nguva yako yekurega basa (FRA) ichava nemakore makumi matanhatu nemaviri kana gare gare, uye iwe uchawana rubatsiro rwakaderera kana uchitanga usati watanga FRA yako. Nzvimbo Yenyu Yakachengeteka Inobatsira inoramba ichikwira mumwedzi wega wega wakapfuura FRA yawakamirira kuunganidza. Mushure mekunge masvika kune FRA vanounganidza chimwe chinhu chinonzi kunonoka kubhadhara mari.
Iyo yakawanda inobhadharwa iwe yaunowana kuburikidza nekutanga kubatsira kune imwe nguva inotevera inogona kupa hutano hwakachengeteka zvakanyanya mumakore ako akazotevera. Uye, kana iwe wakaroorwa, izvi zvakakosha kubhadhara zvinova iwe anopona anobatsirwa, kupa hutano hwakasimba hwehushandi hwehupenyu kune umwe wenyu anogona kunge akagara kwenguva refu.
3. Kubatanidza IRAs?
Kana iwe uine mari muurongwa hwekurega basa kubasa, iwe uchada kuziva kana iwe uchifanira kuisa mari iyi kune IRA. Zviri nyore kwazvo kuchengetedza mari yako yekuchengetedza mari kana iwe ukasimbisa mabhizinesi ako ose ekurega mari mune imwe nhoroondo yeIRA. Iwe unofanirwa kusarudza kuti chii chinzvimbo chezvemari chaunoshandisa, kana kuti ubhare mutungamiri wezvemari kuti akubatsire.
IRA nhoroondo dzinofanira kuchengetwa pasi pemazita akasiyana kuitira kuti iwe usakwanisa kuunganidza mabhadharo ako epamberi nemabhadharo emubereki wako. Zvaunogona kuita ndeyechokwadi kuti iwe unodana semumwe wevabatsiri veakaunti, naizvozvo kana chimwe chinhu chichiitika kune mumwe wako, mabhuku avo ekurega basa ndewewe uye vese-versa.
4. Kutora Retirement Account Nezvokutora Zvino kana Gare gare?
I IRS inoda kuti iwe utore kugoverwa kubva kuIRAs uye mamwe mazano ekurasira mubhadharo anotangira paunenge uine makore 70 ½. Zvisinei, iwe unogona kubvisa mari isati yasvika, uye dzimwe nguva nekuda kwezvikonzero zvinonzwisisika kuita saizvozvo.
Kana iwe ukanonoka Social Security, uye / kana kuti uve nomudzimai muduku kudarika iwe, pane kazhinji kacho mikana yakawanda yekukomberedza mitero iripo pakati pemakore 65 ne70. Kana mari yako inotengesa iri pasi mukati memakore aya kutora mari kubva muIRA yako ichaita zvakawanda wekunzwisisa uye anogona kukubatsira iwe kuchengetedza mitero munguva refu. Inogona kubhadhara kuva neCPA yako, mutero wekutengesa mutero, kana kuti wekugadzirira basa rekushandira mari inomirira mitambo yakawanda yemitero kuti iwe uone nguva uye sei iwe unofanira kutanga kutora kubvisa.
5. Tsvaka Mazano Anyanzvi?
Kuyeuka kwepfungwa kwakaratidzwa kutanga mumakore ako makumi matanhatu. Nokuda kwechikonzero ichi vanhu vazhinji vanosarudza kuhaya mutori wezvemari kana mutungamiri wekutsvaga nezvekutsvaga mari mubasa rekurega basa. Izvi zvinobatsirawo kupa kuenderera kune mumwe mukadzi anenge asingasununguri kutarisira mari yavo pachavo kana imwe imwe hafu inopfuura.
Izvo zvakare pfungwa yakanaka yekutsvaga rubatsiro kana iwe usingazivi kuti ungaita sei mari kubva pakuchengetwa uye kuvema.
Muzviitiko zvakawanda, munhu anoronga basa rekurega basa anogona kukuratidza kuti ungabhadhara mari shoma sei paunenge uchirasikirwa, unogona kukurudzira paunofanirwa kuva Social Security inobatsira, inogona kukuratidza kuti mari yako yaunogona kuunza sei mari yekurasikirwa, uye inogona kukubatsira iwe kuongorora zvinowedzera uye mari yezvipfeko zvakaita se annuities, kana nzira dzakadai sekushandiswa kwechirwere chekare.