Dzidza Kuti Unofanirwa Sei Kuponesa Kubhadhara pazera remakore makumi matatu
Kana iwe uri mumakore ako makumi maviri uye uchangotanga nemararamiro ako ekuchengeta mari yakanakisisa nhungamiro yakanakisisa inowanzochengetedza zvakawanda sezvaunokwanisa. Asi iwe unogona kunge uri kutsvaga nzira iri nani yekucherechedza kufambira mberi kwako munguva.
Heano mamwe mazano akawandisa aunogona kushandisa kusarudza kuti unofanira kunge uine mari yakawanda sei mumabhengi ako ekurega mari nezera remakumi matatu nemakumi matatu:
Shandisa zviratidzo zvekubatsira kutarisa kufambira mberi kwako parwendo kuenda kuzvimiriro zvemari.
Kuvimbika kwakarongedza kuongororwa kushandiswa kwakanaka yekuchengetedza mari kune mamwe makore. Kuti ugare pazera remakore 67, vakafungidzira kuti iwe uchada zvakadini kuchengetedza kuchengetedza mararamiro ako akasununguka panguva yako yekurega basa. Kuvimbika kunokurudzira kuti uwane mari yekuchengetedza ka1 nguva yako mubhadharo pazera remakore makumi matatu. Kufungidzira kwakavakirwa muhuwandu uhwu ndewekuti unochengetedza zvikamu zvishanu kubva muzana zvemari yako gore negore paunenge wava nemakore makumi maviri nemashanu, ita mari inopfuura hafu yemari yako yaunoshandisa paavhareji mumatanda iyo yehupenyu hwako, kubvisa pazera remakore makumi matanhatu nematanhatu, uye uronga kuchengeta mararamiro ako iye zvino.
Dzidza kuti mari yako inofananidzwa sei nemamwe mapoka emakore.
Kuti uite basa rekusvika pazera remakore makumi matanhatu nemakumi matanhatu uchishandisa imwechete yekufungidzira, iwe unoda chaizvo kuti unoda kuva ne10 mubhadharo wako wakachengetedzwa wekurega basa. Heano mamwe mazano mazera akasiyana.
Kurega Kuchengetedza Kuchengetedza Zvikwangwani neZera uye Zviitiko Zvokuchengetedza
| Kana Age Yenyu iri ... | Zvawakachengetedza zvachose zvekurega basa kuti uve "panzira" yekusimuka @ 67 inofanira kunge iri ... |
| 30 | 1 nguva inowanikwa gore negore |
| 35 | 2 kaviri mari yako yegore negore |
| 40 | 3 kanowanikwa mari yako yegore negore |
| 45 | 4 kanowanikwa mari yako yegore negore |
| 50 | 6 misangano yako yegore negore |
| 55 | Kanomwe kanomwe mari yako yegore negore |
| 60 | 8 nguva inowanikwa gore negore |
| 67 | 10 kazhinji mari yako yegore negore |
Mhedziso: Kuvimbika Kwekutsvaga
Zvimwe zvikwereti zvekurayira basa rekurasikirwa:
T. Rowe Price inotora nzira yakasiyana-siyana paunenge uchiverenga mararamiro ekuchengetedza mari. Vachishandisa purogiramu yavo yekuenzanisa, mwana wemakore makumi matatu nemakumi matatu anogona kutaridzirwa pamugwagwa kana iye akachengetedza hafu yemari yavo yegore negore.
JP Morgan Asset Management 's 2018 Mutungamiri weKubata Mari inoshandisa nzira yakafanana yekuenzanisira iyo inowedzerawo muzvinhu zvinokosha zvakasiyana-siyana zvemhuri . Ichi chinhu chinokosha kukoshesa nokuti mari yekushandiswa kwemari yeHindu Social Security inowanzove yakakwirira kune dzimba dzine mari yakaderera mari. Izvi zvinorevei kune zvekuchengetedza mari? Kana iwe unowedzera kuwana zvikamu zvishoma zvepfuma yako inotorwa neSocial Security. Somugumisiro, kubhadhara mari yekutora zvishoma nezvishoma kunowedzera zvichienderana nemari iyi inowedzera.
Somuenzaniso, ane makore makumi matatu nemakumi matatu nemadhora makumi mashanu (50) ane mari yakawanda (gore risati rasvika uye mari) raizova "panzira" ne 0.3 nguva yavo inowanikwa ($ 15,000) yakachengetwa mumabhengi ekurega. Kana mari yavo yegore roga roga iine $ 100,000 mari iyo inokwira kusvika 1.2 nguva yavo inowanikwa ($ 120,000) iyo inonzi "panzira".
$ 50,000 - 0.3 nguva dzinowanikwa |
$ 75,000 - 0.9 nguva yakawanikwa |
$ 100,000 - 1.2 nguva yakawanikwa |
$ 150,000 - 1.7 nguva inowanikwa |
$ 200,000 - 2.1 nguva yakawanikwa |
$ 250,000 - 2.4 nguva yakawanikwa |
$ 300,000 - 2.5 nguva inowanikwa |
Mhedziso: JP Morgan Asset Management
Chii chaunogona kuita kana iwe usati uri parizvino?
Kana yako yekuchengetedza mari iripo iko isingasviki pane zviyero izvi, usavhunduka. Pane mamwe matanho anokosha aungatora kuti uwane chirongwa chako munzira yakarurama. Chokutanga, funga nezvehupfumi hwako hwose uye zvinhu zvaunotarisira muhupenyu hwako hwemari. Kuvaka nheyo yako yezvemari kazhinji kunoreva kugadzirisa mari inokurumidzira, kubhadhara chikwereti chakakosha, uye kunyanya kuchengetedza zvakakwana muurongwa hwako hwekurega basa kutora chero mushandi anoenzanisa mari.
Zvadaro, sarudza kuti iwe unogona sei kuchengetedza. Vazhinji varonga zvemari vanokurudzira kuchengetedza pakati pe10 kubva kune 10 kusvika ku20 muzana yemari yako yegore gore nekuda kwekurega basa. Ramba uchifunga mupfungwa idzi idzi dzinongoratidzirwa uye hazvirevi mumarongwa ako emari.
Kubatanidzwa mukuzvipira kunowedzera kuwedzera mapurogiramu anopiwa nevashandi vanotsigira zvirongwa zvekurega basa ndeimwe nzira yakanakisisa yekuita mupiro muduku kudarika nguva iyo inogona kukubatsira iwe kubvisa chero zvikanganiso zvekuchengetedza.
Nzira yakanakisisa yekuziva kuti iwe unotarisira mari yakadini ndeyekuti uite basa rekushandira kubhadhara . Zvinonyanya kukosha kuti uvimbe pane zvakawanda zvakadzingwa zvekugara muhutano kana iwe usingafungiri pakubvisa mari yako mumakore makumi matanhatu. Izvi zvinokonzerwa nekuti zvikwereti zvakawanda zvekuronga basa rekushandira mari zvinoshandisa zuva rekurega basa rekutanga ra 65 kana 67 muzviyero zvavo.
Kunyange zvazvo iwe usingafaniri kuvimba nezvikwangwani zvako chete kuti uone kupera kwako kwekurega basa, vanopa mimwe mirayiridzo inobatsira inogona kukubatsira munguva dzekutanga dzoupenyu hwako hushanda.