Dzidza Kuti Ungawana Sei Pension

Kuva nepenjeni kwakanaka nokuda kwekubvisa kwako.

Sezvaunoronga kubhadhara, iwe unogona kunge uchida kuziva kuti ungawana sei penheji. Ndakaziva vanachiremba vakawanda avo vaiva nemuitiro wepachivande ndokubva vatanga kushanda kuhurumende makore gumi ekupedzisira mubasa kuitira kuti vawane chikwereti chepensheni. Kwakanga kuri kuchenjera kufamba kwavo. Iko kune nzira mbiri dzekuwana penheni. Tsvaga mushandirwi anopa mumwe, kana kuverenga nzira yekuzvigadzira iwe pachako.

Zvose zviri pasi apa.

Ndeipi Pension Is

Purogiramu inobva kune inotsigirwa kubhadharwa mari inopiwa nemubhadhari kune vashandi vanove vakakwanisa kubatsirwa. Kuti uve akakodzera kuwana purogiramu inobhadhara iwe unofanirwa kushanda kwekambani yeiyo inoda makore. Mari yako yepensheni inowanzowedzera apo iwe unowedzera mamwe makore emabasa nemushandi. Purogiramu inonziwo "defined defined retirement plans" sezvo yakagadzirirwa kutsanangura ramangwana rekubhadhara mari yaunowana.

Mawaniro Ekuwana Pension

Kuti uwane penheji, unogona kutsvaga basa nekambani kana sangano rinopa zvipo zvepensheni uye unoshandira ipapo kwenguva yakakwana kuti uwane kodzero dzezvikomborero izvi. Hurumende mabasa, zvose pa federal nehurumende yepamusoro, inopa mari yehupfumi. Mimwe mienzaniso ingadai iri yeuto, mapurisa uye madhipatimendi emoto. Vakuru vakuru vashandi vangapawo mari yepenjeni, asi haisi yakafanana sekunge makore makumi matatu adarika.

Bvunza avo vanozoshandira kana vachipa penhesi uye izvo zvaunoda kuita kuti uzvikwanisire. 401 (k) zvikomborero hazvina kufanana nepenjeni. Uine 401 (k) iwe unofanira kupa mari yako purogiramu, uye mushandirwi anowanzoita mhiko inobvumirana, uye / kana mupiro wekugoverana.

Neine 401 (k) chirongwa, iwe unofunga nezvezvisarudzo pamusoro pemari mukati memurongwa. Kana wako waunoshandira akapa 401 (k), asi kwete penhesi, imwe ingangodaro ndeyokushandisa yako 401 (k) mari yekuumba yako penheyo yekubatsirwa paunotora basa.

Ita Yako Purepa

Parizvino iwe unotora mari, iwe unogona kushandisa mari yako pachako, yakadai semari mune 401 (k) chirongwa kana IRA, kana mari yausingaiti muurongwa hwekubvisa basa, uye kutenga mari yakatarwa , iyo inogona kukubhadhara mari yakawanikwa zvese zvehupenyu hwako. Nenzira iyi, iwe uchave wakagadzira peni yako.

Kuteerera zuva rokutanga raunotanga iwe Social Security benefits kunogonawo kuva nzira yako yekuumba ruzivo rwakakura rwekubvisa mari yako pachako. Semuenzaniso, kana iwe ukabvisa pamba pa66, iwe unogona kushandisa mari yekutsvaga mari yakapa mari yakachengetwa kwemakore mana, uyezve pa70 kutanga yako Social Security mhindu, iyo yaizobhadhara chikamu chikuru pane makumi manomwe kupfuura kana iwe watanga kutora ivo pa66.

Pensions uye Wako Wako

Pasinei nokuti iwe unowana penheji kuburikidza nemushandi kana kuti iwe pachako iwe, kana iwe wakaroorana, funga wawakaroorana naye kana iwe ukasarudza purogiramu. Purogiramu inogona kusarudzwa kubhadhara mubhadharo wehupenyu hwako chete, kana iwe unogona kusarudza sangano rekubatana / kupona , iyo ichabhadhara mwedzi wemwedzi chero bedzi mumwe wenyu anofanira kurarama.