Wedzera kune zvinyorwa zvemari yakachengetedzwa kuti uone kuti ingabvisa mari yakawanda sei
Vimbiso Yakawanikwa
Chivimbo chekurega mari inosanganisira zvinhu zvakadai seZimbabwe Security retirement benefits, mari yepensheni, uye annuity revenue. Vamwe vanhu vanosanganisira mari yekubhadhara kubva kune imwe nzvimbo yekutsvaga muzvikamu izvi, kunyange zvazvo pasina chokwadi.
Kana iwe uchifunga kuti iyi inzvimbo yakagadzikana yemari iwe unogona kuiisa pano; zvisinei, iwe unofanira kuva nenzira yekuzvidavirira panguva dzisingabvumi.
Zvinogona kunge zviri nyore kuisa mishonga yako yakagadziriswa yemari mune imwe nguva yemagariro nekorodhe yegore rega rega rega, pamwe chete nezera rako rinoenderana negore iroro mumusoro. Iyo mhemberero yemazuva ano inoshanda semamwe mapato emitambo inogona kutanga panguva dzakasiyana, dzakadai semumwe wepenjeni pa 60, a Social Security spousal benefit kutanga pa66, uye yako yega Social Security inotanga pazera remakore makumi manomwe.
Somuenzaniso, funga kuti unotarisa paItal Security Security statement, uye inokuudza kana ukashanda kusvikira wava nemakore makumi matanhatu nemashanu, uye pa66 iwe uchagamuchira $ 1,760 pamwedzi.
Kuverenga: $ 1,760 x 12 = $ 21,120 pagore.
Uyezve, funga iwe une chidimbu chepfuma yawakabvarura. Pashure pokubhadhara mari yose, unogamuchira madhora mazana matanhatu pamwedzi. Pane dzimwe nguva pfuma yako inogara isina chinhu pakati pevaridzi, kuitira kuti uwedzere kuongororwa kwakatarisa, iwe unofunga kuti pfuma yako inotora mwedzi gumi chete gore negore.
Kuverenga: $ 600 x 10 = $ 6,000 pagore.
Uchishandisa kuverenga zvakajeka iwe zvino unoziva kuti mishonga yako yakavimbiswa yemari ichakupa $ 27,120 pagore.
Iye zvino ngatitorei muwanano wehupfumi hweHuman Security uye penheji.
Timeline Example
Kushandisa nhepfenyuro yemangwana iwe unogona kuisa zvinhu sezvaunoona mutafura iri pasi (inoratidzwa mumari yemwedzi, uye gore rega rega zvakare).
Nokuda kwemuenzaniso wetsika, ndakafungidzira mumwe mukadzi aive nemakore akwegura uye akanga atanga kuda kubatsirana (izvo zvingava makumi mashanu kubva muzana yemakore ekuzorora mubhadharo inobhadhara madhora 1,760 anoshandiswa pamusoro). Nokuda kwezvinangwa, ndakasiya kuwedzera kwegore negore muHuman Security Security iyo inouya kubva kuhutengo hwepasi uye yaifunga kuti penhesi yakanga isina kuwedzera kwekuwedzera.
| Zera 65 | Zera 66 | Zera 67 | Zera 68 | Zera 69 | |
|---|---|---|---|---|---|
| Pension | $ 543 | $ 543 | $ 543 | $ 543 | $ 543 |
| Spousal SS | $ 880 | $ 880 | $ 880 | $ 880 | $ 880 |
| Zera 66 SS | $ 1,760 | $ 1,760 | $ 1,760 | $ 1,760 | |
| Kushandiswa Imba | $ 600 | $ 600 | $ 600 | $ 600 | $ 600 |
| Zvose (mwedzi nemwedzi) | $ 2,023 | $ 3,783 | $ 3,783 | $ 3,783 | $ 3,783 |
| Zvose (gore negore) | $ 24,276 | $ 45,396 | $ 45,396 | $ 45,396 | $ 45,396 |
Iye zvino, iwe unotora huwandu hwekuwana mari iyi uye uhuenzanise nehuwandu hwemari yekubhadhara mari kuti utange kunyatsofungidzira kuti mari yako yaunoda kuti upiwe.
Iwe unogonawo kushandisa iyi fomati kuti utange mamwe mahedheni emitambo. Somuenzaniso, zvakadini kana iwe wakanonoka kutanga kwepenjeni? Izvo zvingave zvisingasviki mari iye zvino, asi zvakanyanya kupfuura gare gare. Iwe unokwanisa kutarisa nguva iyi kubva kune tarisiro yehupenyu uye zvachose mari yaunowana pamusoro pehupenyu hwako kuti uone kuti zvisarudzo zvakasiyana zvingashanda sei.
Kana ukambofungidzira kuti iwe unotora mari yekurasikirwa uye mari yakawanikwa inowanikwa, unotamira kune imwe danho rinotevera mukugadzirisa, izvo kuverenga kuvhara pakati pezvinhu zviviri .