Nzira Yokuwana Nayo Kubhadhara
Kurega uye izwi rokuti "kuzvimiririra mari" rinowanzoshandiswa zvakasiyana. Zvose izvi zvinowanikwa kana iwe uine mari yakakwana, mari yekuwana mari, uye / kana mari yepensheni yekuvhara mari yako yekugara.
Basa rinowanzosarudza!
Nhoroondo yeRubatsiro
Kurega basa nderimwe pfungwa itsva iyo yakaitika sezvo tarisiro yeupenyu yakakura. Makore zana apfuura, pfungwa yekurega basa yakanga isipo.
Nyaya inonzi History of Retirement Planning inotsanangura kuti mazuva ano maonero ezuva rekurega basa akatanga sei nekuda kwekuwedzera kwehupenyu hwemazuva uye kutanga kwehurumende kubhadhara mari yekubvisa mari muna 1935 apo Social Security yakasikwa.
Pamberi pezvirongwa zvakadaro vanhu vakashanda upenyu hwavo hwose, uye dai vakanga vasingakwanisi kushanda mhuri yavo vaitarisira kuvapa.
Chii Chinorega Kubatira?
Icho hachisi mvumo yekurega basa muUnited States. Zuva rekurega basa rinotarisirwa kuva 65, asi pasi pemitemo yezuva ranhasi, Social Security inotsanangura izvo zvinodanidza makore ako ose ekurega basa kubva pazuva rako rokuberekwa, uye haisi yezera rimwechete revanhu vose. Pamwechete, kubvisa makore makumi matanhatu asati asvika kwaizoonekwa sekusunungurwa kwepakutanga .
Nzira Yokuwana Nayo Kubhadhara
Kuti uwane hutano iwe unoda kutanga kutanga kuchengetedza vaduku (mumakore ekuma20 kana makumi matatu) uye chengetedza zvikamu zvinenge gumi zvezana zvemari yako gore rega rega, kana kana ukatanga kuchengetedza nguva dzekupedzisira (mumakore ekuma40 uye 50), uchafanira kuchengetedza chikamu chikuru chemari yako, pamwe ne50% pagore.
Vanhu vazhinji havadi kuita kuti mararamiro avo achinje ivo vazofanira kuita kuitira kuchengetedza zvakakwana kuti vawane basa rekugara zvakanaka.
Imwe nzira inofanirwa ndeyekutarisa chikamu chekusiya basa, apo iwe unowana basa raunofarira, kunyange kana richibhadhara zvishoma. Zvakanaka kuti basa iri rinobhadhara zvakakwana kuti rivhare mararamiro ako, uye rinopa mari yako yekurega mari yekuramba uchikura usati waifanira kushandisa iyo yekuwana mari.
Vakawanda Vanowira Pfupi
Kunyange zvazvo vanhu vazhinji vane hope dzekukwanisa kusimuka mune imwe nzvimbo, zvidzidzo zvakawanda zvakaona kuti vazhinji veAmerica havana kukwana zvakakwana kuponeswa kuti vasiye kushanda. Nezvemari yepensheni mune ngozi uye veAmerica vasingagoni kuchengetedza zvakakwana ivo pachavo, vagari vepanozotevera vanogona kuzviwana vachishanda kwenguva yakareba kupfuura zvavanoda kana vasina kuchengetedza zvakawanda munguva yavo isati yatora mari.
Nzira Yokushandisa Mari Yako Kurasikirwa Mari
Sezvaunoswedera pedyo nekurasikirwa iwe uchada kuongororera mari yako yekurasira pedyo. Tora nguva yekudzidza mazano ekusimudzira mari kuitira kuti unzwisise kuti mari yako yekusimwa mari inobhadhara mari yako sei gare gare muupenyu uye kuti mari yakawanda yavanokwanisa kuitisa.
Iwe uchazofanirawo kusarudza kana iwe uchida kuchengetedza mari yako yekubvisa mari muhutano hwakachengeteka kana kuti ugozvipa kune marudzi akasiyana-siyana emitemo.
Chikuru Kupera Kwemari Kusarudzwa Uchazoita
Chimwe chezvisarudzo zvikurusa zvauchaita ndechekuti uende .
Imwe ndeyekupedza mari yakawanda sei mukutora basa. Iwe uchazofanirawo kusarudza kuti unotanga kutora Social Security , uye zvinopesana nedzidziso yakakurumbira haisi nguva dzose kuitora pakutanga, uye haufaniri kuitora nokukurumidza kana iwe uchikodzera - unogona kazhinji kuwana mamwe kumirira.
Kana iwe une penhesi, iwe uchange uine hupfumi hwezvisarudzo zvekusarudza kuita sekusarudza kana kutora mari yemari kana gore, uye ndeipi nguva yekusarudza yakadai semubatsiro muupenyu hwako chete, kana kuti rubatsiro runopa rubatsiro runogara kune wawakaroorana naye kana iwe uchifanira kufa muduku.
Nzira Yokuwana Nayo Muchengeti Wokurasikirwa
Kuti ikubatsire kuita sarudzo idzi, funga kuwana munhu anokwanisa kugadzirisa basa. Iwe unoda kunzwisisa mutsauko pakati pekurayira basa, kuronga kwemari uye mazano ekutsvaga mari . Zvadaro dzidza kuti ungasarudza sei mubatsiri wezvemari .
Kuva Nomufaro Mukurasikirwa
Mukuguma, kubvisa basa ndiro iwe unoita kuti uve. Zvamunoda ndezvokurega basa , kwete kungotora basa re "kutora". Kuwana kusunungurwa kunofadza kunotora kuronga uye mweya kutsvaga - uye zvichave zvakakodzera nguva.