Unofanira Kuve Nokuwedzera Kudzora Here?
Privatizing Social Security ndiyo nyaya inotyisa-kunyange iyo Washington inowanzorega kutaura pamusoro. Kunyange zvazvo purogiramu yekusunungurwa kwenyika ino ichiwedzera ichida kuchinja, nyaya yacho inongoparadzanisa Washington zvachose kuti iite.
Asi ingadai ingashanda here? Zvingaita here kuti zvigadziriswe zveSocial Security zvipi zvinoponesa purogiramu uye inoita kuti ive yemotokari yakanaka yekusarura kune vakasiya mari? Nhengo imwe neimwe ine mhinduro dzavo.
Kudzoka Kuduku
Kutanga pane dambudziko rekudzoka kwepasi. The Social Security trust inopa mari inokosha-kukonzera kusunga. Inogona kudyara muhurumende, yekutengeserana kodzero asi ye 2018, haiti. Mune mamwe mazwi, chivimbo chinozvipa pachako-hurumende yose yakabudisa chikwereti.
Somugumisiro, kudzoka kunowanzoita zvakanyanya kugadzirisa pamusika. Muna 2016, muzana wehuwandu hwekudzoka kwemari yose yaive 3.154 muzana-yakadzika kure kupfuura 11,9 muzana inodzoka ichionekwa neS & P 500 mugore iroro. Vapikisi vachakakavadzana kuti zvisungo zvinganyatsopindira mune mamwe makore asi mune mamwe makore, chikamu chacho chiduku zvikuru. Mumakore emakore ekutengeserana kwemisika yematengesi, zvisungo zvinopa kuchengetedzwa kwemambure.
Hapana munhu anotenda kuti kuvimba kunofanira kuisa pangozi yekuve mumatokari ose asi kana chikamu chekuchengetedzwa kwehupfumi hwemunhu kuchiwanikwa nekuda kwekutsinhanisa kwevanhu, muchengeti wekambani angasarudza kutora ngozi yakawanda, maererano nevaya vanofarira ronga.
Vatsigiri vanotenda kuti kana 401 (k) nhoroondo dzaisungirwa kune vese vagari venyika, kunyanya kushanduka kwekuti mari inoshandiswa sei inoita kuti pave nehuwandu hwekudzoka. Kunyange zvikamu zvishomanana zvinodarika zvakanyanya ndeyemari yakawanda yemari yakawedzerwa pamakore kana makumi emakore.
Kungofanana nezvakawanda zvema 401 (k) s, vagari venyika vanogona kunge vane ruzivo rwekutengeserana kwemari kana ETFs kusarudza kubva.
Nekubatsirwa kwevashandi vezvemari, vagari venyika vangasarudza kusanganiswa kwemari inokodzera purogiramu yavo yengozi.
Kuisa muNhepfenyuro Yakakundikana
Vavengi vekusarudzwa kweSocial Security vanotaura kuti nyika inenge iine purogiramu yekubvisa mari yakabhadharwa iyo vagari vanozvitonga-ndiyo 401 (k), IRA, nemamwe marekiti akabhadhara mutero asi nevaAmerica iye zvino vari kushamisika pamusana pokuchengetedza mari, pfungwa yekuvapa kunyanya kudzora pamusoro pemari yavo yekurasikirwa kunogona kuita zvishomanana zvakanakisisa asi kuvamanikidza zvakare mberi kumashure.
Kunyange zvazvo huwandu hwekutsvaga huwandu hwemakore 401 (k) huri kuramba huchikwira, kukosha kwemukati wekero yeumwe munhu 65 kana kupfuura inenge madhora 60 000. Kana vachirarama mamwe makore makumi maviri, iyo inokwana $ 3,000 pagore musati mutero. Wedzera mheji yehuwandu hwekuchengetedzwa kwehupfumi hwevanhu vanosvika $ 1,360 pamunhu mumwe nomumwe, iyo inosvika kusvika $ 20,000 pagore musati mutero. Kwete chaizvo kunyatsogadzirisa gore rose.
Ndiani Anobata?
Vapikisi vanotaurawo kuti hazvisi nyore sekudzinga mari kune dzimwe nzvimbo. Social Security ine mvumo iyo iyo yazvino inofanira kubhadhara. Imari inowanikwa kubva kune vanowana nhasi inobhadhara kubhadhara zvikwereti izvozvo. Kuisa chikamu chipi nechipi chekuvimba mumabhuku ega ega chaizoda kuparadzwa.
Vatsigiri vanopikisa kuti kubhadhara mari hazvirevi kuti Social Security icharasikirwa nekutonga kwemari-chete kuti vateereri vekambani vachave vachitaura zvakawanda kuti mari iyo inoshandiswa sei.
Zvadaro, nokuti Social Security Trust inoshandisa hurumende yehurumende, mari yehutungamiri yemari iyi inonyanya kuderera. Vakagamuchira havari kubhadhara mari yakawanda iyo dzimwe nguva inouya nemugove wega, marasti-based investment. Kuumba sarudzo yakasarudzwa kunoreva zvinodhura uye mari ndeimwe yezvinhu zvakakura zvekushaiwa kwekuita kwenguva.
Pakupedzisira, AARP yakaita nharo yokuti Social Security haisi purogiramu yekutsvaga mari uye haifaniri kutarisirwa saizvozvo. Sangano rehushuwarisi, inobatanidzwa ndeyokuita nekuchengeteka uye kugadzikana kudzoka kwehupenyu hwomunhu uye pamwe nemhuri dzavo. Iko basa haisi kuumba hupfumi hwekutsvaga kwekutsvaga.
Tinofungei?
Vanhu veAmerica, sevose, vanovhenganiswa pamusana pekusarudzwa kweSocial Security. Gallup yakawana kuti 53 kubva muzana yevanhu vanotsigira pfuma yavo asi 44 muzana vanopesana. Kunyange zvazvo ruzivo rwevanhu rwave rwakanyanya kunyatsova nenguva yakareba, zvishoma nezvido zvezvakanaka uye zvinotapira zvinopiwa pamwe chete nemubvunzo-nokuti hapana anoziva zvakajeka.
Zvakajeka ndezvokuti kunyange zvazvo Social Security ikozvino ndiyo inonyanya kukosha yekuwana mari inowedzera yevanhu veAmerica, nyaya yacho haina kukosha kuvaAmerica sevamwe.