Purogiramu inopa hutano hwekubhadhara mari. Heino maitiro avanoita.
Neurongwa hwepenjeni, mushandi anopa mari purogiramu yepensheni apo uri kushanda. Mari yacho ichabhadharwa kwauri, kazhinji sehomwe yegore roga roga mubasa rekurega basa, mushure mekunge iwe wasvika pane imwe nguva yekurega basa.
Chirevo chinogadzirisa kuti mari yakawanda yepenjeni yauchawana sei iwe paunenge wapedza basa.
Nzira iyo penheni inoshandisa inobva pakubatanidzwa kwezvinotevera:
- Makore enyu ekushanda nekambani inopa penheji
- Zera rako
- Mari yako
Semuenzaniso, chirongwa chepenjeni chinogona kupa mwedzi wekubhadhara mari inobhadhara mari iyo inotsigira 50% yemari yako (sezvainoyerwa nokutora muvhareji webhadharo yako pamakore matatu ekupedzisira ebasa) kana iwe uchisimuka pazera remakore makumi mashanu uye unenge makore gumi basa. Newe penheji iyo, kana ukashanda kwenguva yakareba uye uchirega basa pazera remakore makumi matanhatu nemashanu uye une makore makumi matatu ekushandira, penhesi inogona kupa rubatsiro rwekubvisa mari iyo inotsiva 85% yemari yako. Makore akawanda kazhinji anoreva mari yakawanda.
Purogiramu yepensheni inofanira kutevera mitemo yakanyorwa neDhipatimendi reMabasa. Mitemo iyi inotsanangura kuti kambani inofanirwa kuisa gore negore mune mari yekutsvaga mari kuitira kuti itokwanisa kukupa mukana wepensheni inotsanangurwa munguva yemberi.
Mari yako yepensheni ichave yakatarisana nepurogiramu yekuzvigadzirira iyo inosarudza kuti iwe waizowana zvakawanda sei zvichienderana nekureba kwawakave nako nekambani. Semuenzaniso, iwe unogona kushanda kumushandi unosvitsa makore mashanu usati wave wakakodzera kuwana penhesi. Kambani yako inofanotanga kuti chinangwa ichi chichave chei, saka chengetedza munhu wevanhu vanoziva kuti unoziva nguva yakareba sei kushanda ikoko kuti uwane rubatsiro.
(Cherechedza: Chero mari yaunoshandisa nokuzvidira inogadziriswa pakarepo.)
Mitero paPensions
Zvizhinji zvepensheni zvinobhadhara zvinotengesa. Paunotanga kutora mari yepensheni, iwe uchada kuziva kana iwe uchifanira kuve nemitero yakachengetwa kubva kubhadhara yako yepenjeni . Kana mushure mekubhadhara mari yemari yaibhadhara mubhadharo, chikamu chingave chisina mutero. Dzimwe nguva nepensions inobhadharwa nekuda kwekuremara, chikamu chebatsiro chinogona kunge chisina mutero. Izvi zvisingabhadhara mitero, zvisinei, zvishoma. Zvakanakisisa iwe unoronga pakubhadhara mitero pane chero mari yepenjeni yaunogamuchira.
Chirongwa chepenheni chingagumiswa here?
Kana wako waunoshandira achipa penhesi, vanogona kusarudza kupedza. Mumamiriro ezvinhu akadaro mari yako yakawanda inowanzowonzerwa; zvinoreva kuti iwe uchawana chero chawakawana kusvika ipapo, asi iwe haugone kuunganidza chero mari yepenjeni yakawedzerwa.
Mune zvimwe zviitiko, hurongwa hwepenjeni hwakabatwa zvisina kunaka uye hwakanga husingakwanisi kubhadhara yose yezvipikirwa zvakavimbiswa. Kana chirongwa chepenjeni chaiva nhengo yePension Benefit Guaranty Corporation (PBGC) uye mumamiriro ezvinhu aya, zvimwe zvikomborero zvinodzivirirwa kune vatori vezvirongwa zvepurogiramu .
Zvakadini kana mushandirwi wangu asingakwanisi kupa penheni?
Kubatsira kwepurogiramu yepenjeni inopa mvumo yakawanikwa.
Zvinosuruvarisa, makambani mazhinji akarega kupa zvipo zvemari. Izvi zvinoreva kuti mutoro wekuchengetedza kubhadhara unowira kwauri. Iwe unofanirwa kuverenga nzira yekuchengetedza zvakakwana kuumba yako pesa-semari yekuwana mujeri.
Zvizhinji zvezvirongwa zvepensheni zvakatsiviwa ne 401 (k) zvirongwa izvo zvinopa kushandiswa kwakasiyana-siyana kwekutsvaga. Vazhinji 401 (k) zvirongwa hazvipi nzira yekuisa mari mune chimwe chinhu chinopa mari yakagadziriswa, zvisinei, mitemo mitsva yakabvumira kune chimwe chinhu chinonzi chibvumirano chekugara kwenguva refu annuity (QLAC) mukati me 401 (k) zvirongwa. QLACs inogona kupa mari yakachengetwa kwauri iwe paunenge uchirega basa. Kana kambani yako ichipa sarudzo iyi iwe unogona kuisa mairi kuitira kuti iwe uwane mari yakakwana yekubvisa kwako.
Kuti uite rako pachako rekusiya mari yako iwe unoda kuita zvinhu zvakasiyana siyana:
- Ratidza kuti zvii zvakawanda zvaunogona kupa 401 (k) uronga kana kambani yako ichipa imwe.
- Itai mari yakawanda kuIRA gore negore.
- Dzidza pamusoro pezvimwe zvinokonzerwa nekutsvaga izvo zvinopa mitsva yemangwana yekuwana mari yakawanikwa .
Imwe imwe sarudzo ndeyekuona kuti ungawana sei penheji nekuwana mushandi anopa imwe.