IRA kuregera kunogona kutora mari yakawanda kwazvo pane mutero kupfuura iwe unofunga. Heino chikonzero.
Mitero inogona kuva yakaoma mukurega basa. Kana iwe ukatora kuwedzerwa kubva kuIRA yako gore rimwe chete, mutero wako wekutere unogona kuwedzera gore. Zvakaoma kuwana mhinduro dzekuti zvinoshanda sei.
Nyaya yakaoma asi isiri isiri
Chero kusununguka kubva kune IRA kana 401 (k) inotererwa pamitengo yemazuva ano uye Social Security inobhadharwa inobhadharwa pa50 kana 85% zvichienderana nehuwandu hwekuwana mari.
Murume nomudzimai vakasiya basa vanoda kutengesa imba yavo yazvino, kutama, uye kutenga imwe itsva.
Vose vari pasi pemakumi matanhatu nematanhatu uye vose vari vaviri vanowana SS nemabhadharo evanhu vanodarika $ 30,000. Kuenda kune imwe nzvimbo uye kutenga imba inoda kuti vabvise madhora 60 000 kubva kuIRA uye 401 (k) s. Vakatarisa IRS zvinyorwa uye webusaiti yeSSA uye vanovhiringidzika nokuti apo (IRS) inotaura nezvekubhadhara maSt benefits avo vanoitora sekuderera kwemazuva mazhinji.
Ko vaviri ava vangoribhadhara mutero pamutengo wose wegore ratinosiya here? Ko maSSS anobatsirika anoramba ari pamari yemazuva ano kune avo mune ramangwana here kana kuti yakaderedzwa nokuti mari inokwira kwegore rimwe chete?
Chokutanga, hongu, IRA inobvisa mari inotengesa pamitero yako yemazuva emitero. Zvisinei, mutero we Social Security hausi nyore se 50% kana 85% ayo ari pasi pekuteresa. "Mamwe mavhesi" enyu emari inowanikwa (inonzi yakabatanidzwa pamwe chete kana kuti mari yepamuviri) inopinda mufomu uye chigumisiro chiri kupi kubva kune-0 - 85% yehutano hweHuman Security hunogona kubhadhara.
Saka zvinogona kuguma kuti 12% yezvipo zvako zvinowanikwa kune mitero yemari, kana 77%, somuenzaniso. Izvi zvinodzokororwa gore roga roga zvichienderana nemitemo yakasiyana-siyana yemari.
Zvisinei, mutero uyu hausi kuderera kwemazuva mazhinji. Ndinofunga ivo (kana kuti zvichida mashoko pamusoro pewebsite yeSSA) inogona kuvhiringidza chimwe chinhu chinonzi muganhu wekuwana nemutero.
Muganhu wekubhadhara unoti kana uri kuunganidza Social Security usati wasvika paWe Full Retirement Age, uye iwe une mari yakawanda yakawana mari , iwe unogona kubhadhara zvimwe zvehutano hwako hwe Social Security zvakare. Iyi mibairo yemiganhu haifaniri kushanda mumamiriro ezvinhu aya sekuwedzera kweIRA kana 401 (k) kubvisa mari hakufungidziri kuwana mari.
Saka, sezvinotsanangurwa pamusoro apa, vangangobhadhara mutero wemari pamutengo wokuwedzera, izvo zvinogona kukonzera huzhinji hwehupfumi hwehupfumi hwekunamata huri pasi pekubhadhara mitero (izvo zvinoreva kuti mutero wakabhadharwa) asi unongoshanda kune gore rekarenda umo izvozvi kurega kubvisa (uye zvekare kuwedzera mari inotengesa) kwakaitika. Ikoko kwaisazova nekuderedza muHindu Social Security.
Zvino, Pane nzira iri nani here? Panogona kuvapo, asi zvinosanganisira kuongorora kwakawanda. Somuenzaniso, vanogona kushandisa imba yekuenzanisa chikwereti chekwereti kuti vauye nebhadharo yekudzivirira kuti vasapinda imwe IRA / 401 (k) kubvisa? Vangagona kuparadzira IRA / 401 (k) kubvisa makore maviri emakarani here? Vanowanzotora IRA / 401 (k) kubvisa mari kuti vawane zvavanowana here? Ivo vane chikwereti here? Vachava nekwereti pamusha wavo mutsva here? Kufunga nezveizvi zvose nenzira inosanganisira kubhadhara mitero inobata basa - asi dzimwe nguva inoguma mukuchengetedza kwakanyanya kuburikidza nekuwana nzira yekugadzirisa zvisarudzo zvavo kuderedza mutero wavo unotarisirwa kubhadhara.