Zvaunofanira Kuita Kana Zvinhu Zvisingafanoonekwi Zvokuita Kuti Uite Zvisarudzo Zvokutanga
Kune vanhu vazhinji, kurasikirwa chimwe chinhu chavanoronga uye nekushanda kune makore mazhinji. Mafungiro akawanda uye kugadzirira kunopinda mukurayira basa. Pane zvinhu zvakawanda zvinotarirwa kufunga nezvazvo, kusanganisira panguva yaunoronga kubhadhara mari, mari yakawanda yaunoda kuti uponese, uye mari yakawanda yaunoda kuti urarame. Asi chii chinoitika kana iwe uine chirongwa chakasimba chekugara mubasa panzvimbo uye mamiriro ekunze kwekutonga kwako anoda kuti iwe usimbise hurongwa hwako hwokurega basa mberi pane zvaunotarisirwa?
Maererano neHarare Employee Benefit Research Institute, inenge hafu yevakabhadhara inopinda muchengeti pfupi pane zvavakaronga. Pakati pevaya vakagamuchira basa rokutanga, chikamu chechina chete chavo chinosarudza kubvisa pakarepo.
Zvaunofanira Kuita Apo Unogamuchira Imba Yokutanga Inotora Basa
Mukutsvakurudza kwavo, Employee Benefit Research Institute yakawana kuti chimwe chezvinhu zvakashata zvakanyanya zvinokonzera vanhu kuisa zvirongwa zvekushandira mari muchiito pane zvavakatarisira kuti basa raizobviswa. Zvisinei, kakawanda izvi basa rinosiyiwa rinogona kubva kumakambani ari kutarisa kugadzikana uye ari kupa zvikwereti zvakanaka zvekurega basa kuvashandi vavo. Kana iwe ukawira munharaunda iyi uye ukapiwa chikwereti chinopesana nepenjeni, unoziva here zvipo zvekugamuchira? Kune vakawanda, izvi hazvisi chisarudzo chakareruka, uye danho rokutanga nderokuita masvomhu kuti uone kana mwedzi wepensheni yemari inowanikwa zvishoma inopfuura "6% muedzo." Zvadaro, kupfuura mutevedzeri we6%, funga kuti zvimwe zvinoshandiswa sei zviyero zvichienderana nemari yemwedzi kana nhenda.
Iwe Purojheni Yako Inopfuurira Testhi 6%?
Kuti uone kana kana kwete yako yepenjini inopfuurira kuongororwa kwe6%, tora mari yako yega yega yepensheni inopa uye uwedzere kana iine 12. Ipapo, gurai nhamba iyi nemari yemari inopiwa.
Semuenzaniso: $ 1 000 pamwedzi weupenyu kubva pazera remakore 65 kana $ 160,000 lump sum nhasi?
$ 1,000 x 12 = $ 12,000 yakapatsanurwa ne $ 160,000 yakaenzana = 7.5%.
Muchiitiko ichi, iwe unofanirwa kuita zvinenge 7.5% pagore pa $ 160,000 kuti uwane $ 12,000 gore rimwechete. Kuwana 7.5% pagore nekusingaperi ibasa rakakura, saka izvi zvinondiudza kuti mwedzi wega wega unogona kunge uri nani pane nguva yakareba (7.5% inopfuura 6%). Ramba uchifunga mupfungwa, chikamu chezvinhu zvepenjeni chirikuita ndechekukubhadhara iwe pachako mari yako pachako. Iwe pachako, iwe unogona kubvisa 5% pagore kubva pane chero mari yakakwana (kunyange kana mari iri kuwana 0%), uye mari inofanira kuramba kwemakore makumi maviri (5% x 20 makore = 100% inotora).
Dzimwe Zvimwe Zvemari Zvokufunga nezvazvo
Mushure mekunge maita maverengero, pane zvimwe zvimwe zvinhu zvinofanira kufungisisa usati wasarudza kana mari yemari kana penhesi yakakunakira iwe:
- Nguva yako yekutanga purogiramu yemwedzi wega yega nemutengo wekupera.
- Nguva yako yakareba yakarongwa. Kana iwe uchirarama kwenguva yakareba iwe unokosha pamwedzi wepensheni yemari inenge yakakosha kwauri.
- Rudzi rwepenjeni yekubhadhara iwe unosarudza. Inobva paupenyu hwenyu chete uye inomira shure mushure mekufa, kana kuti inoenderera mberi kune hupenyu hwemumwe wako here?
- Iyo solvency yekambani "inovimbisa iwe penheni" kwemakore makumi maviri nemakore, uye kana Pension Benefit Guaranty Corporation (PBGC) ichadzorera mari yako kana boka rako rekare ribhadhara penhesi richibva kunze kwebhizimisi.
- Kana iwe uchida pane imwe nguva unoda "lump sum" mari yemari yekudaidzira.
Nzira dzekushandisa yako Retirement Package
Kana mushure mokunge maona kana kutora mari yemari kana penhesi iwe unofanira kufungisisa idzi dzimwe nzira kana nzira dzokushandisa purogiramu yekurega basa:
Tsvaga kana iri kusanganisira kutarisira utano. Kana iwe usingakwanisi kutenga Medicare zvakadaro, unofanirwa kudzidza kana rako rekurega basa rinosanganisira kutarisira utano. Kana zvakadaro, iyi ndiyo mari imwe chete yaunenge usingafaniri kufunganya nezvayo muhutano hwako hwepakutanga.
Shandisa buyout kuti uvhare mari. Iwe unogona kuronga mari yako yekushandisa uye uishandise semari inosvika kusvikira yapera, uye kubatisisa pfuma yako yekuchengetera mari apo iwe unonyatsoda iwe.
Shandisa kutenga kutenga kubhadhara chikwereti. Kana iwe wakagamuchira kutenga, kushandisa iyi mari yekubhadhara mari yako kubhadhara chikwereti chako kunogona kuva kutama kwakanaka. Bvisa mari yako yekutenga, motokari yako, kana kuti kubvisa zviyero zvekwereti zvemwedzi zvekubhadhara kuitira kuti ugone kuderedza mari yako yose.
Chengetedza kutenga uye uwane basa idzva. Basa rekurega basa rinorevei hazvirevi kuti unofanirwa kurega kushanda zvachose. Kana ukawana basa mumunda wako kana kutora basa rekasa-chega uchiita chimwe chinhu chaunoda, enda nacho. Nenzira iyi, yako yekurasikirwa purogiramu inongowanikwa "mari" uye inogona kuiswa mumari yako.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo