Zvinosuruvarisa, ndiyo inzvimbo yakawanda yevanhu veAmerica vari mukati. Mariyamu yemabhengi ehurumende yemari yakasarura inongova $ 12,000 chete kumhuri dziri pedo-retirement, maererano neNational Institute on Retirement Security.
Hazvishamisi kuti re Recent Confidence Survey yakabva kuW employye Benefits Research Institute (EBRI) inoshuma kuti 22% chete yevashandi vane chivimbo chikuru kuti vachave vakachengeteka.
Kana iwe ukazviwana uri munzvimbo iyi, inguva yekurega kunetseka uye kuita chimwe chinhu.
John Sweeney, vamiririri mukuru wepurezidhendi wekusarura uye mazano ekutsvaga mari muFidelity Investments, anofananidza nekugadzirira kushanyirwa nachiremba wako mushure mekufamba kwenguva yakareba pakati pekugadza. "Unoziva kuti vangave vachikuudza kuti uchinje kudya kwako uye kurovedza muviri," anodaro. "Asi chikonzero chiremba achakuudza izvi nokuti iwe unogona kudzokera shure."
Funga nezvemashoko aya mishonga yako yekutora shure kutonga kwemangwana rako remangwana.
Wana chirongwa
Ndeupi mutsauko mukuru pakati pevanhu ivavo vanofunga kuti vane chivimbo pamusoro pokurega kwavo, uye avo vasina kuvimba? Maererano neEBRI iri kubatanidzwa mubasa rekushandira basa, sezvakaitwa 401 (k) .
Izvozvo zvinonzwisisika. Paunenge uri purogiramu yebasa, unochengetedza chete, nemari inobva kune imwe mubhadharo. Kana iwe une chirongwa chinowanikwa iwe uye iwe usati wakanyoresa, danai mutungamiri wezviwanikwa nhasi.
Kana iwe usina hurongwa huripo, unogona kuzviita iwe pachako neIRA kana Roth IRA , uye urigadzire kuitira kuti mari ishandiswe pamagetsi kubva kuongororo yako yekuongorora uye kubasa rako rekuchengeta mari pamwedzi.
Kana iwe uri pasi pemakumi mashanu, mupiro wegore negore we $ 458.33 uchakuwana iwe wose we $ 5500 IRA mupiro wegore; kana uri makumi mashanu-pamwe chete, nhamba yako iri $ 551.66 (nokuti yako yakawanda inodarika $ 6500, kusanganisira $ 1,000 mari yekubatwa).
Uye kana iwe usingazivi kuti ndeupi wekushandisa mari iyo? Tarisa chinangwa-zuva rekubhadhara mari iyo ichasarudza kusanganiswa kwakakodzera kwezvikwereti zvezera rako nekufungidzirwa zuva rekurega basa.
Shanda nguva refu
Kunze kwekugadzirisa nekugadzirisa chete, chinhu chinonyanya kukosha chaunogona kuita panguva ino ndowedzera nguva yakatarisa yauri kushanda.
Ngatiti uri makore 55, uye unotarisira kubhadhara pa 62. Kana uchitanga kuchengeta ikozvino, iwe unogona kuwedzera zvipo zvako kune 20 muzana yemari yako yezvikamu zvinomwe zvinotevera - asi izvo zvisingazove zvakakonzera kushanda mamwe makore matatu kusvika pazera remakore makumi matanhatu nemashanu, anodaro Sweeney, kana makore masere kusvika makore makumi manomwe.Haizvo chete iyo mamwe makore matatu kana masere ekugadzira mari iwe unogona kupa mari yako kubhadhara mari, asi zvakare inopera makore ekurega basa vanoda mari.
Chimwe chimiro chekumirira kusvikira 70 kuti chirega? Fatter anoongorora kubva kune Social Security. Kwegore negore iwe unodzima kutanga Social Security kubva kune makore 62 kusvika ku70, pane huwandu huwandu huwandu hwekubhadhara iwe unogamuchira.
Kusarudza nzira yose kubva pa62 kusvika ku70 inowedzera kusvika ku50 muzana kuwedzera kwekuongorora kwedzimwe mwedzi.
Kurudyi
Panguva yaunotora basa, iwe unoda kukwanisa kutora nzvimbo yako yakawanda yekugadzirisa nemari inofanirwa kuwana. Mari iyo inobva kuSocial Security, chero mapeji iwe unogona kunge uine, uye kukwanisa kubvisa chikamu chinenge kubva muzana zvekubvisa mari yako gore negore. (Kana iwe uchiramba uchingotora chikamu chinenge chikamu chimwe chete, chikwereti chako chinofanira kupera makore makumi matatu, iyo yakareba kwenguva yakawanda nokuda kwevakawanda.) Asi zvakadini kana uri kutarisa nhamba dzako uye uchiri pfupi? Zvino ndiyo nguva yekurara-hukuru hupenyu hwako.
Izvozvo zvinogona kureva kuenda kumusha muduku, iyo inofanira kureva kuchengetedza pane renhare yako kana kubhadhara chikwereti; zvishandiso zvako uye kugadzirisa zvinogona kupera zvakare. Zvinogona kureva kubvisa motokari nekushandisa zvifambiso zvevanhu panzvimbo panzvimbo.
Zvinogona kureva kuenda kubva kumapato maviri gore kune rimwe.
Usamirira kusvikira wapedza basa kuti uite izvi. Kuderedza pasi paunenge uchishanda kuchakubvumira kuti uise mari yakawedzerwa kurega kubhadhara.
Ita Zvipo Zvokutsigira
Vanhu vari mumakumi mashanu avo vane mano ekugadzirisa hurongwa hwekurega basa "mitezo yekubata" gore negore. Takaona mari inopfuura $ 1 000 inogona kugovera kuIRA. Asi iwe unogona kupawo mari inopfuura $ 6,000 kune yako 401 (k), uye, kana iwe uri 55-pamwe, imwe ye $ 1 000 kuAkaunti yako yeUkuchengetedza Health kana HSA .
Asi kuti uwane mari yakawedzerwa, iwe unoda kuwana nzvimbo mubhajheji yako. Uye hongu, kana iwe usingararami mune bhajeti, inguva yokutanga.
Zvinosuruvarisa, 60 muzana yevanhu havamboiti bhajeti, uye vazhinji havazombotauri kuverenga kana vane zvakakwana kuti vararame pavanenge vachirasikirwa, anodaro Dallas Salisbury, mugari pamwe chete uye mutungamiri wenyika kuHarare Employee Benefit Research Institute.
Bvisa nguva pairi karenda yako, uzvimire girasi rewaini, uye tora kufema kwakadzika. Zvadaro tora zvakanyanya pamari yako uye mari yako (mahwindo asingabhadharwi seMint angakubatsira iwe kutarisa iyo yekupedzisira.) Tarisa pazvikamu zvose zvekutengesa uye zvibvunze pachako iwe unogona kutema kuti usunungurire mari yakawanda kuti uende kure mangwana. Kana uchida mari imwe neimwe yaunowana, tarisa kuendesa kune imwe chete kuitira kuti mari yacho ibude kubva kubasa rako rekushandisa nekuchengetedza. Nenzira iyo iwe uchava nechivimbo chekuziva kuti zvichaitika chaizvo.
NaHayden Field