Nevakawanda kuti vasarudze kubva, imwe yekutora chikwata chinogona kukutungamirira kuti utende kuti iwe uchava nezviuru zvekuwedzera mubasa rekubvisa mari, asi mumwe angati iwe unogona kunge uine mari.
Iyi nyaya yakanyorwa muhurukuro inoti "The Looming Problem with Retirement Planning Calculators" neRetirement Income Industry Association.
Saka, iwe unoziva sei kushandiswa kwekushanda kwekushandira iwe unofanira kushandisa? Izvo zvinowanikwa pane zvishoma, zvinosanganisira mararamiro ako ehupenyu uye kuti zvakaoma sei mamiriro ako.
Methodology
Muchikwereti chinoratidzwa pasi apa, pane zvinhu zvitatu zvakakosha zvezvikwata: kunyatso, usability, uye dzidzo. Chekuita imwe neimwe yakagoverwa zvikamu munhengo imwe neimwe, uye 3 kuva yakanakisisa. Kururama kwakaguma kwakakosha pamasikati makumi matanhatu emakwikwi ekupedzisira, nekutadza uye dzidzo imwe neimwe inomiririra 20 muzana.
Retirement Calculator Scorecard
| Kururama | Usability | Dzidzo | Nhamba yakakosha | |
|---|---|---|---|---|
| ESPlanner Basic | 3 | 3 | 3 | 3 |
| New Retirement | 3 | 3 | 2 | 2.8 |
| AARP | 3 | 2 | 2 | 2.6 |
| MarketWatch | 3 | 1 | 2 | 2.4 |
| T. Rowe Price | 2 | 3 | 2 | 2.2 |
| Schwab | 2 | 2 | 2 | 2 |
| Vanguard | 1 | 3 | 2 | 1.6 |
| Bankrate | 2 | 1 | 1 | 1.6 |
| Kuvimbika | 1 | 2 | 1 | 1.2 |
Kururama
Izvozvo zvakakosha chikamu chekurasikirwa kwekutora mapikisi scorecard inoreva kuvimbika kwemigumisiro iri kuiswa.
Kukanganisa kwakaipisisa kusununguka kunogona kuita kugadzirira chete zvakanakisisa-mamiriro ezvinhu. Mushure mekutsvakurudza zvinhu zvakawanda zvekushandisa muIndaneti, zviri pachena kuti vamwe vanopa chete zvakanakisisa-mamiriro ezvinhu, izvo zvinogona kusiya vashandi pangozi yekupererwa nechinangwa chekurega basa.
A calculator ine nhamba yakakwirira mukururama ichave yakashandura, zvichireva kuti ichapa zvakawanda zvakasiyana-siyana zvekushandisa izvo zvinokubvumira kuchinja data nenzira inoenderana nemamiriro ako.
Izvi zvinosanganisira, asi hazvirevi, zvinokonzerwa neSocial Security, pensions, inflation, kukwidziridzwa kwemari yakawanda, kusiyana kwemazuva ekurasikirwa pakati pevakaroorana, nezvimwewo. Chikonzero chekushandura zvakajeka chakanyatsojeka ndechokuti iri kutora dzimwe nhamba dze data uye kuderedza dambudziko rekushandiswa kwakajeka zvichienderana nedzimwe dzisina kururama.
Usability
Kushandiswa kunosanganisira zvikamu zvakasiyana-siyana, zvakadai sekusununguka kwemashandisirwo uye kuonekwa kunofadza. Chimwe chinhu chakakosha kuverenga chakanyanya kuoma kunzwisisa. Zvishandiso zvinoshandisa mairafu mukuwedzera kumatare zvinogona kubatsira, sekuona kuona kuti mari inouya uye inoenda sei nyore kuti vanhu vakawanda vanyatsonzwisisa.
Chimwe chikamu chikuru chekushandiswa kwekodzero ndechokugona nyore nyore kuchinja mafungiro. Chimwe chinhu chinobvumira kuchinjwa pane peji yehutsvene chinonyanya kukosha nokuti chinodzivirira vashandi kubva pakugadzirisa matanho ose kana vakakanganisa kana kuti vachida kuronga imwe sarudzo. Uyewo, kuva nesarudzo yekuchengetedza kunobatsira nguva dzose nokuti unogona kuderedza nguva yakakodzera yekuzadzisa, kana kuti unoda nguva yekuunganidza mashoko akanaka.
Dzidzo
Chikamu chekudzidzisa chezvikamu chinosanganisira tsanangudzo yezvigadzirwa zve nzira, kubatsira maitiro, uye hutungamiri hukuru.
A calculator iyo inotsanangura zvose zvakanaka asi isingabvumiri kuti muve nyore kuwana tsanangudzo haizorambi zvakanaka munzvimbo iyi. Somuenzaniso, pane dzimwe nguva nzira inotsanangurwa zvakajeka, asi yakavanzwa pasi pebhuku rewebsite mumagariro nemamiriro peji. Izvi zvinowedzera kuti hazvina maturo sezvo vazhinji vashandisi vasingakwanisi kuiverenga kana kuifunga kana vachizadza calculator.
Kutungamirirwa ndechimwe chinhu chinokosha mune izvi. Kunyange zvazvo isipo kune vakawanda vanoita basa rekusarura, hutungamiri hunogona kuva chikamu chinokosha chezvigadzirwa zvinozvipa. Nhungamiro inowanzoratidzwa pamugumo wepurogiramu, kana mukati peji yepayipi peji kune rumwe rutivi rwepeji.
Mitero yeMitero Mukurasira
Imwe dambudziko nemadzitateguru ekurasira rekutora ndeyekuti havawanzokupa mufananidzo wakajeka wezvachazoita mushure mekubhadhara mari yako.
Zvichida iwe uchabhadhara mitero mukurasira, uye mari yemutero waunenge uchibhadhara inobva pane zvakawanda zvinowanzoshandiswa nevaridzi vakawanda kubhadhara.
Kunyange zvazvo muchengeti wekutora basa ari kutanga kwakanaka, zvakanakisisa kusangana nemunhu ane ruzivo rwekugadzirisa basa rekubvisa basa kuti akubatsire kukura chirongwa chakagadzirirwa chinokodzera mamiriro ako ega.