Iwe unoverenga sei kukosha kwezvino
Kana uchida $ 200,000 makore gumi kubva ikozvino, pasi apa ndiyo kukosha kwemazuva ano kunobva kumitemo yakasiyana-siyana yekufungidzira:
- 3% $ 148,818
- 4% $ 135,112
- 5% $ 122,782
(I did these calculations on a hp12C calculator app that I use on my iPhone and iPad.Ikupinda kuita izvi ndeichi: n = 10, i = mutengo wekudzoka, PMT = 0, FV = $ 200,000.Ipapo shandisa PV kugadzirisa ikozvino kukosha.)
Iyi iri nyore ikozvino kukosha kuverenga inokuratidza kuti yepamusoro yehuwandu hwekudzoka, iyo yakaderera mari yaidiwa nhasi kubhadhara mari inotevera. Ichi chinhu chakaoma pakugadzirisa basa rekugara muhurumende; kuitira kuti iwe uwane huwandu hwekudzoka, iwe unowanzosarudza riskier portfolio, zvinoreva kuti kudzoka kwakakwirira kunogona, asi kwete nechokwadi.
Kana iwe uchida chimwe chinhu nechivimbo, unofanirwa kubvuma mutengo wakaderera wokudzoka, zvinoreva kuti kuchengetwa kwakawanda kunotarisirwa kuti utore hupenyu hwakafanana hwehupenyu.
Inotora Kunyange Kutenga Mukurasikirwa Nemusana Penguva Isingazivikanwi Horizon
Ngatiti iwe unokuziva iwe paunotora basa kuti iwe urarame zvakanaka unoda $ 20,000 pagore kuwedzera kune yako Social Security income.
Iwe uchada zvakadini kuchengetedza kupa $ 20,000 pagore? Chipo chekuko kukosha chinokupa mhinduro.
Kuti uite izvi kuverenga, pane ikozvino mhando mbiri dzisingazivikanwi; chiyero chekudzoka uye hupenyu hwako hurefu. Mune tafura iri pasi pechinyorwa chino ndezvipi zvinoenderana nemitemo inoita zvinhu zvose zviri mumabhuku.
Mune tafura iwe unoona izvozvo:
- Kana iwe ukararama makore makumi maviri uye unogona kuwana 5% yemari yekudzoka, iwe unoda $ 261,706 kukupa iwe $ 20,000 pagore.
- Kana iwe ukararama makore makumi matatu uye ukawana 3% yemari yekudzoka iwe unoda $ 403,769.
Kana mhuri yako nehutano hwehutano hwako zvichiratidza kuti unogona kugara kwenguva refu, iwe unogona kunge uchida kuchengetedza zvakawanda kana kushanda kwenguva yakareba kupfuura munhu ane tariro shoma yeupenyu.
Nzira Yokushandisa Nayo Nhamba Pakugadzirisa Maitiro
Nhamba yemazuva ano inogona kushandiswa kukupa pfungwa yakaipa yemari yaunoda kuve yakachengetedza pakutanga kwekurasikirwa kuti usangane nemari yako yaunoda . Iwe unowedzera zvaunotarisirwa gore roga roga mari, kubvisa zvaunotarisirwa zvakagadzirirwa zvekuwana mari yakadai sa Social Security, ona kuti iwe unofunga kwenguva yakareba sei iwe uchararama , uye wozoverenga kukosha kwezvino kweruzhinji rwemari. Enzanisa izvozvo kune zvawakachengetedza ikozvino, kana kuti iwe unofunga kuti iwe uchaponesa sei zuva rako rekurega basa uye iwe uchava nemafungiro akaipa kana uri munzira kana kuti kwete.
Iwe unogonawo kushandisa ikozvino kukosha kuverenga kuti uite zvisarudzo pamusoro pengozi.
Somuenzaniso, funga iwe uri musikana mumwe chete, makore 65 uye unoda $ 20,000 pagore ($ 1,666 pamwedzi) yeupenyu. Kushandisa purogiramu yepoteti pa immediannuity.com unoona kuti ikozvino (Kubvumbi 2016) ichakubhadhara iwe madhora $ 320,000 kuti upe $ 1,666 yemari yega yega yehupenyu nenzira ye annuity.
Mumuenzaniso uyu, unogona kuenzanisa izvozvo nezvinokosha zvemazuva ano mu tafura iri pasi pechinyorwa.
I $ 320,000 ye $ 20,000 pagore chinhu chakanaka here? Izvo zvinoenderana. Kana iwe ukararama kwenguva yakareba uye usingadi mari yekutsvaga mari iyo ndiyo chinhu chakanaka chakanaka!
Kuverenga Nhamba Yezvino ku Excel
Paunenge uchishandisa seSpreadsheet unogona kushandisa PV fomu kuti uite maverengi ako. Chirongwa chekushandisa chichakukumbira kuti uwedzere, chiyero chekubhadhara, chiyero chekubhadhara, kukosha kwemazuva anouya, uye kana zvikwereti zvinofanira kushandiswa pakutanga kana kuti kuguma kwenguva.
Nhasi Ikoshesa Kwemagariro Evanhu Akachengeteka
Nhasi kukosha kwenhamba ndiyo nzira yakanakisisa yekuenzanidza imwe Social Security inosarudza chisarudzo kune imwe. Aya maIndaneti Social Security calculators anoshandisa nzira iyi uye ita zviyero kwauri. Izvi zvinogona kukubatsira iwe kutarisa kuona chisarudzo chipi chakakosha kwauri kune hupenyu hwako hunotarisirwa.
Nhasi Kukosha kwePension Options
Nhasi kukosha kwekuverenga kuverengerawo inzira inobatsira yekuenzanisa kusarudzwa kwakasiyana-siyana kwepensheni . Kana iwe uine tarisiro yehupenyu hurefu humwe sarudzo inogona kuve yakakosha kwauri iwe maererano nehuwandu hunokosha pane imwe sarudzo. Kana iwe wakaroora, iwe unofanira kufungidzira hutano hwehupenyu hunotarisirwa mukuverenga kwako. Pa Financial Architects website, mune chikamu chemaspredishiti cheRa Resources Resources, uchaona pepa rakanzi "Pension Options Analyse Spreadsheet". Rinoshandisa kukosha kwezvino uye richaitawo muupenyu hwekutarisira hupenyu hunoita kuti hubatsire kufananidza mapeji emapato.
Nhasi Value Table
| Nhasi Kukosha kwe $ 20,00 Per Year Income Stream | |||
| Dzokera | Makore makumi maviri | Makore 25 | Makore makumi matatu |
| 3% | $ 306,475 | $ 358,710 | $ 403,769 |
| 4% | $ 282,678 | $ 324,939 | $ 295,972 |
| 5% | $ 261,706 | $ 295,972 | $ 322,821 |