Nzira dzeKubhadhara Mari
Pane zvikamu zvitatu zvekurega basa rekusiya mari yekufunga, uye imwe neimwe ine misiyano yakawanda. Kushandisa nzira yakarurama yemamiriro ako ezvinhu kunogona kukonzera kubhadhara mutero.
Imwe nzira yakagadziridzwa inogona kuchengetedza $ 50,000 kusvika ku $ 100,000 mumitero pamusoro pemakore makumi matatu ekurega basa kune vakawanda vakasiya basa.
Chirongwa cheChirangaridzo
Vanhu vazhinji vakatevedzera nzira yakarongeka yekudzorera makore gumi akapfuura. Vakashandisa kubhadhara mari yekubhadhara mari uye kubhadhara mari yekutsigira mararamiro ehupenyu pavanomirira kuti vabve paIRAs kusvikira makore 70½ apo kudiwa kunoshandiswa kunotanga. Iyi nzira yaiwanzobatanidzwa nekutanga Social Security pakutanga, pakati pemakore makumi matanhatu nemakumi matanhatu nemaviri.
Tsvakurudzo yakawanda inowanika iye zvino pamusoro pekuti nzira iyi ichashanda sei kupfuura nguva, uye vashandi vekugara muhurumende vari kuve vakanaka. Vakawanda vanoziva kuti kunonoka kutanga kweSocial Security kusvika kune makore 66 kana makumi manomwe kuchapa huviri hwekuchengetedza kwenguva refu.
Iwe uchave uchifanira kusarudza kuti nhoroondo dzipi dzinodhonza kubva paunenge wakanonoka Social Security. Mhinduro yakanakisisa inobva pane bhadha yako yemutero. Kune avo vane mari yepenjeni, hurongwa hwekuregeresa hunowanzowanzoita kuti huve nehunyanzvi.
Paunenge uchiunganidza mari yepensheni, unobva pakusachengetedza mari uye kusasimwa uye usabata IRAs yako, 401 (k) s kana 403 (b) s kusvikira iwe uchida kuita kudaro.
Kune avo vane avo vasina mari yepenjeni, kana mapepa maduku akadai sezana mashoma madhora pamwedzi, mazano maviri anotevera - kurongedza zvakare kana kusanganiswa - kunogona kuita kuti mitero shoma inobhadharwa mujeri pane yakasarudzika nzira.
Reverse Order Strategy
A reverse order retirement retract strategy ndeye paunodzinga kubva kumabhengi ako ekurega basa seIRAs uye 401 (k) s wokutanga uchirega chero Roth IRAs uye mari yekusasimwa kwekambani inowedzera kuwedzera. Iyi inogona kuva inonyanya kushandiswa kwemitero yevanhu vasina mari yepensheni, vane mari yakawanda yekuchengetwa muIRAs, uye vari kunonoka kutanga kweSocial Security kusvikira makore 70.
Sei nzira iyi iri nani? Kana uri kurega usati wava nemakore makumi manomwe uye usina pensheni, zvichida kuti mari yako inotengesa ichave yakaderera pakati pemakore ekuma 60 ne70. Nokusiya kubva kuIRAs mumakore apo mari yako inotengesa yakaderera, unogona "kuzadza "Iyo 10- uye 15-yezana yematero mabheji.
Izvi zvinogadzirisa zvakawanda kana zvidikanwi zvako zvinodiwa kubva kuIRAs zvichida kukupinza mu 25-percent kana yakakwirira bheketi apo iwe unosvika makore 70½. Zviri nani kubvisa ikozvino uye kubhadhara masendi gumi kana gumi pane imwe kudarika kurega gare gare uye kubhadhara masendi makumi maviri nemashanu kana kupfuura pahora.
Hybrid Strategy
Ne nzira yehubhoni, iwe unodzinga kubva kune dzakawanda mazita eakaunti mukati megore rimwe chete. Somuenzaniso, iwe unogona kubvisa $ 20,000 kubva kubasa risina kubhadhara nekutengesa mutual fund kana kutenga mari muCD uye uchibvisa $ 20,000 kubva kuIRA.
Iyi nzira inoshanda zvakanyanyisa zvakanaka kana yakakonzerwa nemamiriro ako nekujekesa mutero wako wegore rose pagore rekugara.
Iko kune maBhaibheri mashomanana e hybrid retirement retract strategy. Rimwe bhuku rinosanganisira Roth IRA kutendeuka. Iwe unopedza pasi maekodhi ako asina kubhadhara paunenge uchichinja chikamu cheIRA yako kune Roth IRA gore negore. Nhamba yakashandurwa inotsanangurwa nekuverenga kuti zviyero zvipi zvingazadza 15-muzana kana 25-muzana mutero bhati. Iyi nzira inoshanda kana iwe uine mari yakakwana mune zvisingateereri maekodhi kubhadhara mitero paRoth kutendeuka. Iko Roth inoshandura kuderedza mararamiro ako emangwana anodiwa anowanikwa, nekudaro kuderedza mari yemitero yauchabhadhara pazera remakore makumi manomwe uye kupfuura mumatambudziko akawanda.
Imwe nzira yekushandisa nayo nzira iyi ndeyokubvisa kubva kuIRA uye kusingabatsiri maakaiti panguva imwe chete, asi pasina kuita Roth kutendeuka.
Iyi inowanzova nzira yakanakisisa kana iwe usina mari yakakwana yekusagadziriswa kwekodhesi yekuvhara zvose mutero paRoth kutendeuka uye chikamu chehupenyu hwako.
Muchengeti akanaka wekugara mubhadharo kana nyanzvi yezvemitero inogona kutarisa makore makumi maviri kusvika kumakumi matatu emakore ekufungidzira kunotarisa mitero uye inokuratidza kuti inguva yakawanda inofanira kuwanikwa kubva kupi zvinyorwa zvinokonzera kuwandisa kwemitero yakaderera yakabhadhara pamusoro pemakore ako ekurega basa.