The Average Retirement Savings By Age May Makashamisa Iwe
Zvichida zvishoma pane iwe unofunga.
Avhareji Retirement Savings kwemakumi maviri nemakumi maviri
Pakati pekubhadhara mubhadharo uye chiremera chemari chikwereti chemari chikwereti, mamireniyari anotarisana nemamwe matambudziko makuru ekuchengetedza kubhadhara. Asi, maererano neongororo ye 2017 yeBhangerate, zviuru zvemamiriyoni zviri kutungamira apo zvinosvika pakubatsira pakuita chirongwa chokubvisa basa.
Maererano nehuwandu hwavanenge vaponesa, Transamerica Centre yeRustire Studies inofungidzira kuregererwa kwemari kwemari kwemireniyari pa $ 31,000. Maererano neFidelity, muchengeti wenguva dzose anofanirwa kuva nemakore ekubhadhara mubhadharo akachengetedzwa nemakore makumi matatu. Achitevera kufunga ikoko, ane makore 25 anofanirwa kutarisira kuva 25 kusvika ku50 muzana yehamba iyoyo.
Dhiyabhorosi kubva kuBore of Labor Statistics inoratidza kuti munhu ane makore makumi maviri nemashanu anowana mari yepakati pegore ye $ 40,352. Kushandisa nhamba iyoyo, chi-20-chimwe chinhu chinosvika $ 31,000 muzvigadziro chinogona kunge chiri munzira yakarurama yekukwanisa kubhadhara mari yegore yakachengetedzwa nezera remakore makumi matatu.
Avhareji Retirement Savings kwemakumi matatu nemakumi matatu
Kana ukangopinda ma 30s, firimu yako yezvemari inogona kutanga kuchinja. Iwe unogona kunge uchiwana zvakawanda asi hupenyu hunochinja, hwakadai sokuroora kana kuva nevana , hungawedzera mari yako. Kuwedzera kwezvinhu zvinogona kuita kuti kuponeswa kwekurega basa kuve kwakaoma.
Maererano neEconomist Policy Institute, mavhareji ekuchengetwa kwemari kwevanhu vokuAmerica vane makore 32 kusvika ku37 ndeye $ 31,644.
Chiyero ichocho chinowedzera zvinoshamisa kuvasununguri mumakore ekupedzisira makumi matatu nemakore ekutanga makumi mana. Parizvino, mavhareji ekuchengetwa kwemari ekurasi inokura kusvika $ 67,270 pakati pevanhu vokuAmerica vane makore 38 kusvika ku43.
Icho chinhu chakakosha kusimuka asi vakura makumi matatu-zvigaro zvichitarisa kufambisa? Mubhadharo wegore negore wemakumi matatu nemakumi matatu nemakumi matatu nemakore makumi mana nemakore makumi mashanu nemakumi mashanu nemakumi mashanu nemakumi matatu nemashanu, maererano neB BLS. Kuvimbika kunokurudzira kuti avo vanosvika makore makumi matatu nemashanu vane makore maviri vanowanikwa mubhadharo, vachisimudza katatu mubhadharo wavo nezera remakore makumi mana nemashanu. Kubva pane nhamba dze EPI, makumi matatu-zvigaro zvinoshaya chiratidzo.
Avhareji Retirement Savings kwemakumi mana-Mashoma
Nevane makore makumi mana, iwe unogona kunge uchingopinda mumakore ako ekukwirira uye unotakura chikwereti chiduku. Asi tarisiro yekubhadhara dzidzo yevana vekoroji yako inogona kukumanikidza kukwanisa kwako kuchengetedza kubhadhara.
MaAmerica mumakore ekutanga makumi mana ane mamiriyoni ema $ 67,000, sezvinoratidzwa nhamba dze EPI. Kune makumi mana nemakumi mana nemakumi mashanu nemakore makumi mapfumbamwe nemashanu, gore rega mari yekuchengetedza inowanikwa mu $ 81,349. Mari inotanga kuwedzera asi huwandu, vanoponesa mumakore avo makumi mana vane basa ravo ravanenge vadzivirirwa.
Avhareji Retirement Savings: 50s uye Inopfuura
Nenguva yaunosvika makore makumi mashanu, unogona kutarisira kuva nemari yakawanda yemari yakagadzirirwa kubhadhara.
Kuchinja makumi mashanu kunopawo mukana wekuwedzera mari yako, sezvo iwe unogona kutanga kutora zvipo zvekushambadzira kune 401 wako (k) kana iwe wega wega rekurega basa. Asi, iyo EPI data inoratidza kuti 50- uye 60-zvigaro zvine nzira yakareba yekuenda nayo.
Maererano nekutsvakurudza, mavhareji emari yekuchengetedza mari kumhuri yemakore makumi mashanu kusvika ku55 inosvika $ 124,831. Kwemakore ari nemakore makumi mashanu nemakumi mashanu nematanhatu, ndeye $ 163,577. Izvo zviyero zvakaderera kudarika $ 1 mamiriyoni ayo nyanzvi dzakawanda dzinokurudzira sechinangwa chekuchengeta mari. Kunyange zvazvo Social Security inogona kubhadhara mari iripo yekuchengetedza basa, kuwandisa kwemwedzi pamwedzi kubhadhara mari inokwana $ 1,329 inogona kunge isina kukwana kuti izere gaka.
Kuchengetedza Avhareji Kurega Kuchengetedza Pfungwa
Mukutaura kwekuti kushandiswa nekuchengetedza nezera sechibvumirano kunobatsira sei purogiramu yako yokurasikirwa, zvinokosha kufunga nezvemufananidzo mukuru.
Pakati pemapoka ose ezvizvarwa, muvhareji wekusimwa kwemari ndeye $ 95,766, maererano neEEPI. Pasi rose, data inoratidza kuti vanhu veAmerica havasi kuponesa zvakakwana zvekurega basa , pasinei nezera.
Sezvaunoongorora chirongwa chako, zvakakosha kuti usabvumira kuwandisa kwemari yekuchengetedza mari nezera kukukanganisa kubva pane zvinangwa zvako. Kunyange zvazvo inogona kuva nzira inobatsira yekufananidza mari yako, iyo inonyanya kukosha ndeyekuti chii chauri kuchengetedza iko zvino chichakubvumira kuti uve nemhando yekusarura iwe unofarira.
Kana mari yako iri pasi pevhareji yezera rako, inguva yekufunga zvakare chirongwa chako uye zvaunogona kuita kuti udzoke zvakare-kosi. Somuenzaniso, kana iwe usingagoni kuponesa zvakakwana muurongwa hwebasa rako kuti uwane mupiro wakakwana unobatanidza , unogona kufunga kuwedzera kwako kusarudzwa kwemari mikuru. Kana, kana iwe usingakwanisi kuwana 401 (k), unogona kushandisa IRA kukura mari yako.
Kunyatsoona nezvekugara kwako nguva yakareba zvakare kunokosha. Kana iwe usina kuponeswa kudarika iwe waunoda, iwe unofanirwa kufungidzira kugara uri mubasa rako renguva yakazara kwenguva refu kana kushanda chikamu chemaawa mushure mekunge iwe uchitora basa kuti uite chero kukanganisa kupi zvako. Kuverenga kuti unoda hupi hwekurega basa , kutarisa izvo zvawakachengetedza kare uye kusarudza kuti unoda zvakadini kuti uwane chinangwa chako kunogona kukubatsira kuronga hurongwa hwako zvakanakisisa.