Kuronga kwakasiyana-siyana kuronga kunoshanda sezvaunokura
Zera 55
Yenguva yekuita zvakakomba pamusoro pekurayira basa rako.
Iwe unoda kutanga kutanga kuisa pamwe kuongororwa izvo zvakanyanyiswa apo mari yako yekusara ichauya kubva. Iri chirongwa chemari yekubvisa mari chinonyanya kuiswa mumamiriro ekugadzirisa nguva kuitira kuti ugone kuona gore negore apo pensions kana Social Security ichavamba. Panzvimbo pokutsvaga mari yakanakisisa, funga nezvenzira dzinogona kukubatsira kuti uwedzere mararamiro ako eupenyu. Semuenzaniso, tanga kuchinja chikamu chenyaya yako yepodfolio kuva bhidhiyo kuitira kuti CDs kana zvisungo zvigadziridzwe kuti zvive zvakakura uye zvienzane nezera remakore ekuzorora.
Kana uri kuenda kubasa rekurumidza , ita kuti iwe uine bhadha yehutengo hwehutano inshuwarisi-inogona kudhura kusvika makore 65 kana Medicare inotanga.
Kana uchida mari ikozvino, unogona kukwanisa yako 401 (k) mari isina chikwereti kana iwe ukabatira pabasa mushure mokunge usvika pakuberekwa kwako kwemazuva makumi mashanu.
Zera 59 ½
Iyi ndiyo yekutanga iwe unogona kutanga kutora kubvisa kubva kuIRA yako uye mamwe marenda epamberi pasina kubhadhara mutero wemhosva.
Mamwe mhuri inogona kubatsirwa nokutora zvisizvo panguva ino uye kunonoka kutanga kweHuman Social Security kusvika makore makumi manomwe. Kubhadhara mari yekubvisa mari inotarisa ichaonekwa paunodzorera mutero, saka ikozvino inguva yakanaka yekutanga kutarisa kuti mari yako yekurasikirwa ichave yakadini taxed .
Iwewo unoda kutarisa mune zvekubhadhara uye zvakabatsiro zvehutano hwehutano hwemazuva mazhinji kuti uwane mari yekuchengetwa kwehutano muhupenyu hwehupenyu husingazove huri kuvharwa neMurepa kana Medicare Supplement mazano.
Tanga kuvaka dzimba dzemari kana iwe uri mumakore mashanu ezera rako raunoda kubhadhara . Wana zvakanyanya kuchenjerera nemari yako uye funga kusangana nemumwe mugadziri wekugara mubasa uyo anogona kukubatsira kuona kana uri munzira yekuwana mari yakakwana yekurega basa mumakore mashomanana anotevera.
Age 62
Iyi ndiyo apo iwe unogona kutanga kutambira Social Security mazano, asi iwe uchagamuchira hukuru hweHuman Social Security kana iwe ukamirira kusvika makore anenge 66 kuti uite. Iwe uchawana zvakanyanya kukubatsira kana iwe wakamirira kusvika makore makumi manomwe kuti utange kuunganidza. Verenga pamusoro peHuman Security kuchengetedza mitemo yakadai semiganhu yekuwana mari usati waita sarudzo iyi inokosha. Mari yekubhadhara inogona kuderedza mari yako yekubhadhara kana iwe uchitora Social Security pakutanga uye uenderere kushanda.
Iwewo unoda kutarisa kuchinja mune zvido zvehushuwarisi yako uye uve nechokwadi kuti une zvinyorwa zvako zvekugadzirisa zvivako zvakarongwa.
Zera 65
Zera 65 ndiyo apo Medicare inotanga. Vanhu vazhinji vekuUnited States vanofanira kunyoresa kuMedareare mwedzi mishomanana vasati vava nemakore ekuberekwa kwavo makumi matanhatu nemashanu kana vakashandisa kana kuti vakasiya basa rehutano hwehutano. Chikamu chehutachiwana hweMedicare chiri pachena kana uine makore akakwana ekushanda muU.S., asi Medicare Part B haisi yekusununguka. Iwe uchabhadhara premium inobva pa MAGI yako (yakashandurwa yakagadziriswa mari yakawanda) kubva kumakore maviri apfuura 'mutero unodzoka.
Kana mari yako yazvino iri yakaderera kupfuura yaunowana mari makore maviri akapfuura, unogona kukumbira kuderera muPirumundi yako yeBreatare B.
Age 70
Sezvaunosvika makore makumi manomwe nekupfuura, nzira dzakadai sedheji dzekunamatira zvekare uye annuities zvishoma dzinowedzera kuwedzerwa. Vanogona kukubvumira kuti uwedzere mari yako usina kutora pamusika ngozi.
Kune vakaroorana vakawanda, kunonoka kutanga kwemupiriri wepamusoro weHuman Security kusvikira asvika makore makumi manomwe anogadzirisa zvakawanda, asi hapana zvachose chakanakira kumirira kusvikira makore makumi manomwe apfuura kutanga zvidzidzo.
Zera 70 ½
Iwe unoda kutora kugoverwa kubva kune IRAs yako uye / kana mamwe makambani akakodzera ekurega basa semakore 401 (k) anoronga paunosvika makore makumi manomwe ne2. Izvi zvinoparidzirwa zvinotumidzwa zvinonzi zvinoshandiswa zvakaderera kuparadzirwa kana RMDs. Zvinogona kuitwa mumari kana iwe unogona kugovana zvikamu zvekutsvaga.
Dhora rose rinenge rakaparadzirwa richabatanidzwa semari inotengesa pamutero wako wekudzokera. Iwe unogona kuve nemitero yakachengetedzwa zvakananga kubva pamaparidziro. Izvi kazhinji pfungwa yakanaka kuitira kuti iwe usapedzisira wava pfupi pamari apo iwe unotora mutero wako wekudzokera.
Age 75+
Zvakakosha kudzokorora zvirongwa zvawakaisa munzvimbo dzose makore mashomanana. Periodic reviews rinokubvumira kubata matambudziko maduku vasati vava matambudziko makuru. Iwewo unoda kufunga nezvekugumisa-hupenyu-zvisarudzo uye kutanga kukurukura navo newawakaroorana naye uye mhuri yepedyo. Zvinogona kuva zvakaoma kutanga hurukuro idzi, asi kusanganisira mhuri yako mukuronga kwako ndiyo inofanirwa kuita uye inoita kuti zvinhu zvive nyore kune vose vanobatanidzwa.