5 Zviitiko zveZvinyori Zvokufunga nezvazvo Pakuvamba Kwekuchengetedzwa Kwevanhu
Vanopfuura 75 muzana yevanhu vanorega kushanda vasati vava nemakore makumi matanhatu vachishanda kuti Social Security inobatsire mumwedzi miviri kusvika pazera iroro.
Muzviitiko zvakawanda, zvingava zvakakosha zvikuru kwavari kuti vashandise mamwe mari ekutsigira mararamiro avo kwekanguva, kunyange kusanganisira kutora zvimwe IRA zvisizvo kuti vadzivise kutanga kweHindu Social Security.
Zvakawanda zvehutano hwehutano hwehutano hwako hunochinja, asi kana usina kuroorwa, chisarudzo hachina kuoma kupfuura kana iwe wakaroorwa.
Zera 62 vs. makore 70
Social Security zvinogona kubvunzwa chero ipi zvayo kubva pamakore makumi matanhatu kusvika pamakore makumi manomwe nemakumi manomwe. Uchagamuchira "zvakakwana" kubhadhara mari inobhadharwa inonzi primary primary amount kana PIA panguva yako yekurega basa . Muna 2017, iyo ine makore 66 kune vanhu vakaberekwa pakati pa1943 na1944. Zvikomborero zvako zvishoma kana iwe ukatanga kuunganidza musati wava nemakore makumi matanhatu nematanhatu, uye ivo vachawedzera kana iwe uchitanga mushure memaawa 66.
Iyo yakawanda inobatsira inowanikwa kana iwe wakamirira kusvika makore makumi manomwe. Iko inokosha 76 kubva muzana pane izvo zvingave iwe kana iwe watanga kubatsirwa pazera remakore makumi matanhatu nematanhatu.
Heino tafura inoratidza mwedzi wekubhadhara mari yakagamuchirwa yakagamuchirwa kutanga pamakore makumi matanhatu kusvika ku70 nePIA ye $ 1 000.
Kutora Zera: Batsirwa Nhamba
- 62: $ 750
- 63: $ 800
- 64: $ 867
- 65: $ 933
- 66: $ 1000
- 67: $ 1,080
- 68: $ 1,160
- 69: $ 1,240
- 70: $ 1,320
Zvinogadziriswa Zvinotarisirwa Mazuva Oupenyu
Munhu mumwe chete anotarisira kurarama kwenguva yakareba kudarika mavhareji anokwanisa kubatsirwa nekukanganisa kutanga kwekubatsiri apo avo vanotarisira kurarama shoma kudarika vheji vanogona kubatsirwa nekutaura kare.
Mukutaura, vakadzi vanobatsirwa zvakanyanya nekukanganwa kubatsirwa nekuda kwezvavanotarisira hupenyu hurefu.
Zvidzidzo zvinoratidza kuti kubudirira kwehupenyu hwehupenyu hunenge hwakafanana kune munhu anorarama kusvika makore makumi manomwe pasinei nokuti anotanga kubatsira kune imwe nguva kubva pamakore makumi matanhatu nemakumi matanhatu kusvika makumi manomwe. Makore makumi mapfumbamwe nemakumi mapfumbamwe nemakumi matanhatu nemakumi masere anomwe anowanzoti "kuputsa-kunyange nemakore" nokuti zvinokubatsira kutora Social Security munguva pfupi pane kare kare kana iwe uchirarama kwenguva yakareba kupfuura iyi.
Zvinokanganisa Mukuputika-Kunyange Kuongororwa Kwezera
Kunyange zvazvo kuputsa-kunyange yezera kungave chikamu chinokosha chekuongorora kwakakwana, kuchiishandisa sechikonzero chete mukugadzirira nguva yekutanga Social Security yakakanganisa nekuda kwezvikonzero zvakawanda.
- Social Security inoshanda senhare inokosha yekurwisa hupenyu hwako. Kutsvakurudza kunoratidza kuti kunonoka kunobatsira kusvikira makore makumi manomwe ekukwanisa kuwedzera mararamiro ako ehupfumi pamakore matanhatu kusvika gumi. Iwe unogona kufunga kuti iwe ungangodaro uri kurarama kusvika makore 82, asi zvakadini kana uchirarama kune utano hwakanaka uye hunobereka 92? Kuramba Kuderera Kwekuchengetedzwa Kwevanhu Kunokuchengetedza pakusapedza mari yako.
- Kungofunga nezvekuparara-kunyange nemakore hakuregi kutora kwemitero. Kana Social Security ndiyo yako chete inopa mari, iwe hauzobhadhara mitero pamigumisiro yako, asi iwe unogona kugumisa kubhadhara mutero kusvika kusvika kuzana 85 muzana yezvikomborero zvako kana une zvimwe zvekuwana mari. Asi iwe unogona kusarudza kurega kuchengetedza panzvimbo uye kunonoka kutanga kweSocial Security yako. Muzviitiko zvakawanda, urongwa uhwu hunogona kuwedzerwa kuwedzera mari yako inowanikwa pamwedzi kana kubhadharwa kana kuwedzerwa hupenyu hurefu hwepodfolio yako apo inotarirwa pamutero wekutevera. Tambanudza tsanangudzo yakawanda yemitero kuti uone mararamiro ehutori huchaendesa mberi mushure mekubhadhara mari yako.
Muedzo Wokuwana
Chimwe chechimwe chinhu chinowanzokwekwekwa ndeyekuedzwa kwekuwana. Vanhu vari kushanda kubhadhara uye avo vanodaro vanozviti zvikwereti vasati vazadza makore ose ekurega basa vanotarisana nekuderedzwa kwezvikwereti zvavo zvemazuva ose kana mubairo wavo unopfuura kudarika kwemari yekuwana .
Kuderedza kwacho kwechinguva-mushure mekunge masvika kuFRA, mwero wegore negore unoshandiswa kumusoro kuti uregere kuderedza kuderedza. Asi nekuda kwekuti nzira yekugadziriswa kwebatsiro inoshanda, inogona kutora makore 13 kusvika ku14 kuti iwanezve mari shoma inobatsira. Zvinenge nguva dzose kuti iwe ubatsire kumirira kubvunza zvikwereti kusvikira uchisvika paFrA yako kana uchida kuramba uchishanda.
A Imba Yakapfuura Imakore 10 Kana Yakareba
Heano chimwe chimwe chezvinhu zvemasles kufungisisa: Kana iwe wakamboroorana uye kuti imba yakagara makore gumi, iwe unogona kukwanisa kubhadhara zvikomborero kune rekare rekare rebasa rako.
Muchiitiko ichi, chimbofunga nezvehutano hwako hwehupfumi huchitaura kuti sarudzo yakafanana neyakaroora munhu . Iwe unogona kukwanisa kushandisa murume nemudzimai kubatsirwa kwemakore mashomanana, zvino shandura kune zvaunobatsira, kana kuti vice-versa. Nzira dzakadaro dzichawedzera hupenyu hwako hwemari.