Vashandi vekugara basa vanopa mazano anonyanya kugovera mari
Muiti Wekugadzirisa Basa Anodei?
Kufanana nevarongwa vezvemari, vachengeti vekugara basa vanofanira kunzwisisa zvinangwa zvenyu zvemari; kuziva apo iwe unoda kushandisa mari yako, uye kuti chii chaunenge uchichishandisa.
Mukuwedzera, mugadziri wekusununguka anofanira kuva nekunzwisisa zvakajeka kuti mari yehupfumi iwe uri kuunganidza, pamwe chete nedzimwe nheyo dzaunenge dzakadai sepensheni, Social Security, basa rekushanda kwemaawa, kubatana kwepamusha, nezvimwewo, zvikamu zvose zvepikicha iyo inofanira kuiswa pamwe nenzira inoguma nemagariro ekuvimbiswa pamwedzi pamunenge makarasikirwa.
Izvi zvinoda mune zvakadzama ruzivo rwemitero, Social Security uye chirongwa chekurega basa rinotonga; ruzivo runowanzodikanwa makore ekuziva uye kudzidziswa kuunganidza.
Ndeapi Mhando Yezano Rinogona Kugadzirisa Basa Rekupa Basa?
Mumwe anoronga basa rokurasikirwa / mupi wezano achakwanisa kupa mazano pa:
- Nguva yekutora Social Security mazano nenzira yakakunakira iwe
- Izvo zvipi zvekuparidzirwa kwepenheni zvakakunakira iwe
- Kana gore rinenge rakakodzera kukutsanangurira iwe
- Ndezvipi zvinotora kutora zvinhu kubva kune gore rimwe nerimwe, uye mune zvingabatanidzwa, kuderedza mitero yekubhadhara iwe ucharipa
- Ndechipi chikamu chekurega mari yaunogona kutarisira kuti iwe uite
- Ndezvipi zvingaita kuti uwedzere kubhadhara mari yakakodzera kana uchitora mari kubva kune chikwereti
- Mari yako yakawanda sei inofanira kunge iri muzvikwereti zvakavimbiswa
- Ndeapi marudzi ekubhadhara mari yako mari yako ichaita
- Iwe unogona sei kugadzirisa mararamiro ekuderedza mari inoshandiswa mukutora mari
- Kunyangwe iwe uchifanira kusiya mari yako mukambani yako yekambani kana kuisvitsa muIra account
- Kana iwe uchifanira kubhadhara chikwereti chako asati asvika kana panguva yekurega
- Kana kubhadhara chikwereti chakanaka chakanaka iwe
- Kana uchida rubatsiro rwekuchengetedza kwenguva refu
- Kunyangwe iwe uchifanira kuchengeta inshuwarisi yako yehupenyu kana kwete
Vakaronga vachengeti vakanaka havazoiti mazano kusvikira vanyatsonzwisisa nguva yako inotarisirwa, nguva yako yekuziva nezvekutsvaga mari, zvinangwa zvako, kushivirira kwako kune hutano hwekutsvaga mari, kuda kwako kwekuwana mari yakawanikwa, nekunyatsonzwisisa zvese zvauripo zvino zvakadai sedzimba, zvikwereti, uye zvezvino uye mune ramangwana zvinowanikwa mari.
Vakaronga vachengeti vakanaka vachada kuziva kuti zvii zvako zvose zvekutsvaga kuitira kuti nzvimbo yako yepodfolio yako yose ive yakanzwisisika uye inogona kugadziriswa kuti iwane mararamiro anoramba achiwana mari.
Ndezvipi Zvakawanda Zvokugadzirisa Basa Rekugadzirira?
Vashandi vekugara basa vanogona kutengesa mune imwe yenzira dzinotevera:
- Nhamba yeawa imwechete
- Imari yepamusoro yekushandisa chirongwa chemari yekubvisa mari kana kubhadhara mari yekubuda kwemari
- Mwedzi wechina kana wegore yekuchengetedza mari
- A yezvikamu zvezvinhu zvavanokwanisa kukuitira
- Komisheni inobhadharwa kwavari kubva mune zvemari kana inishuwarenzi yaunotenga kuburikidza navo
- Kubatanidzwa kwemari nemakomisheni
Nguva dzose mubvunze mukana wokurasikirwa nebasa rekutsvaga basa rekutsvaga tsanangudzo yakajeka yekuti vachazobhadharwa sei .
Zvakadini Nekugadzirisa Kwemari Kwemari kana Mazano Okugadza?
Kurega basa rekugara kune imwe nzvimbo inyanzvi inowira pasi peboka rakawanda rekugadzirisa zvemari, asi inoda unyanzvi hukuru.
Zano rekutsvaga mari rinoenderana nekuti mari yako inotengeswa sei, asi avo vanopa mazano ekutsvaga mari havagoni kupa urongwa hwakawanda. Vazhinji vachengeti vachipata basa vachapa mazano ekutsinhanisa pamwe chete nehuwandu hwakawanda hwehutano hwekuita mari, asi hahuwanzoshanda nenzira imwe neimwe.
Ndingawana Sei Mutongi Akanaka Wokurasikirwa?
Sezvo iwe uchibvunzurudza vashandi vekugadzirira, tsvaga munhu ane ruzivo mukutarisa kwemitero, Social Security, uye maitiro ekurega basa rekurega basa .
Vanofanira kukwanisa kuronga nguva uye urongwa hunokuudza kuti ungatora mari sei nenzira inobhadhara mitero, uye inofanirwa kukukwanisa kukupa zvakakwana pamashandisirwo emitengo yakagadziriswa inogona kuunza kuchengeteka.
Imwe nzira ndeyekutarisa RIIA, Retirement Income Industry Association. Iri boka rinopa zita rinonzi RMA, kana Retirement Management Analyst. Ndakapfuura nepadzidzo uye ndakawana RMA yangu muna 2010. Kana iwe uchida mumwe munhu anonyanya kugadzirisa urongwa hwekugara, ndinokurudzira zvikuru kuti utsvake mumwe munhu ane RMA zita rake; kunyange zvazvo ikozvino kune vashoma vashoma vakapararira munyika yose.