Zvisinei, zvakanakisisa kana iwe uchiramba uchingobatsira pakubhadhara mari yevashandi. Izvi zvichabatsira mubereki wekugara-kumba-muitiko apo mubereki ari kushanda akaremara, kana kune kurambana kana rufu. Kubhadhara mari yaunopa iwe paunenge uchigara kumba kuchaita kuti zvive nyore kusvika kune zvinangwa zvako zvose zvekuchengetedza basa. Chirongwa chekurega basa chinongova chimwe chezvinhu zvakasimba zveurongwa hwemari yemhuri , iwe unogona kutaurirana neanoronga mari kuti uone kuti zvinhu zvose zviri munzira.
Kusarudzwa Kwekuchengetedza Kusarudzwa Zvokugara Pamba Vabereki
Maererano nemutemo haugoni kupa mukana weIRA kunze kwekuti iwe uri kushanda. Zvisinei, kana iwe wakaroorwa unobvumirwa kuvhura IRA mukomana kana mumwe munhu ari kugara kumba uye asina kuwana mari. Mipiro yemipiro inowanikwa mari ikozvino yakafanana neyeimwe nzira dzeIRA. Iwe unogonawo kuzarura kana pamasikirwo IRA kana Roth IRA sechikamu cherongwa.
Iwe unogona kuzarura IRA paimba yekutengeserana uye ugadzire mupiro wega wega wega wega wega wega kana iwe unokwanisa kuiisa pabhangi rako rekune imwe nyika kana chikwereti.
Kuwana Mari Yokurasikirwa
Kana iwe uri kuita zvakawanda zvekubhadhara mari kuti uve kumba nevana vako, unogona kunge uri kutambura kuwana mari yekubatsira pakurasira nguva dzose.
Kana iyi ndiyo mamiriro ezvinhu iwe ungada kufunga nezvenzira dzaunogona kuwana mari yekuisa kumushandirapamwe. Vamwe vakadzi vanoronga pa kungotora makore mashomanana kusvikira vana vavo vese vari kuchikoro nguva yakazara uye vachikandira zvipo zvekurega basa, asi kana iwe ukasarudzira vana vako makore mashomanana uye uine huwandu hwaunogona kunge huri kunze kwevashandi kwemakore anodarika gumi uye ndiyo nguva yakawanda yekurasikirwa nemipiro yekubvisa mari. Uyezve unogona kuwana kuti mari yako inokura sezvo vana vako vachikura uye zvingave zvichiri kuoma kuwana mari yakawedzerwa yaunoda kuisa kune yekurega basa. Kunyange kana iwe usingakwanise kupa mari yakawanda mwedzi woga woga, kugara uchinge uchipa $ 100.00 pamwedzi kuchaita kuti zvive nyore kusvika kune zvinangwa zvekurega basa.
Kushanda Chikamu Nguva
Imwe nzira iyo iwe unogona kuwana mari yakawedzerwa ndeyokushanda basa remaawa. Makambani mazhinji haapi kupa mabhizimisi ekurega basa kune vashandi vasingashandisi maawa makumi maviri nemashanu pavhiki. Kushanda kunokubvumira kuti uzarure IRA, uye kana iwe usati waroorana nemumwe wako, ungada kushanda zvakakwana kuitira kuti ugone kuzarura IRA iwe pachako. Kana uchizoshanda chikamu-nguva yekutengesa kana yekambani, funga kutsvaga iyo inokubvumira kupa mipiro kune (401 (k) hurongwa kunyange iwe usingashandisi nguva yakazara yeawa.
Iwe unogona kufunga kushanda kusvika kune zvishoma zvido zvinotarisirwa kuitira kuti utore muurongwa hwavo hwekugara.
Kushanda kubva Kumba
Kana iwe uri wekushanda, shandisa sekontrakta yakasununguka kana kuti uite bhizimusi rako pachako, iwe uchada kuronga kubhadhara kwako iwe pachako. Vakawanda vanogara-pamusha amai vanoshandawo pamusha amai, uye urongwa hwekugara muhurumende ndeimwe yezvibatsiro zvaunoda kuti uronge iwe pachako. Kune dzakawanda mabhadharo emarenda iwe unokwanisa kukodzera kana iwe uri wega pabasa seSeP IRA uye Solo 401 (k). Kana iwe uri kushanda nguva dzose iwe unodawo kubhadhara mitero yako yekuzvishanda, iyo ichabhadhara mu Social Security system. Kunyangwe iwe usingafaniri kuverenga mari iyoyo apo uri kuronga kubhadhara kwako. Kana ukaronga pakushanda kubva kumusha, iwe uchada kuwana nzira yekuvhara mari paunenge uchienda kubheche .
Izvi zvinogona kuunza kusununguka kwezvemari uye rugare rwepfungwa.