- Zvose mapeji uye Social Security zvinopa mari yakawanikwa yehupenyu.
- Pensions inowanzopa sarudzo inobvumira kuti varambe vachiwana mari kune mumwe wavo; Social Security inopa munhu akapona mari zvakare.
Zvisinei, iyo ndiyo iyo kufanana kunoguma. Kunyange zvazvo mitemo yekuchengetedzwa kwehupfumi kune imwechete kune vose, mitemo yekambani imwe neimwe haina kufanana. Izvi zvinoreva kuti vaviri vari kuuya vachipinda mari pamwe chete nemari nemhuri mamiriro ezvinhu vanogona kuita zvisarudzo zvakasiyana-siyana pamusoro penguva yekutangira penheji yavo kubva pane imwe kambani yavanoshanda nayo.
Semuenzaniso, nguva imwe neimwe pandakatarisa pamarongerwo emararamiro ehuyo anotevera Honeywell retirees, handina kuona kukosha kwekukanganisa zuva rekutanga rejeri. Asi nemamwe mapurogiramu akawanda emapenjeni akaongororwa, pane zvakawanda zvakakosha kuti kubvisa basa kunonoke zuva rokutanga rejeri yavo kunyange kana vakaronga kupedza basa.
Muenzaniso weKuchenesa Kwepensheni
David ari kurega makumi matanhatu.
Mari yepenjeni inopa mikana yakawanda uye mari yakasiyana-siyana yekubhadhara zvichienderana nezera ripi raanosarudza kutanga mari yake yepensheni. Kunyange zvazvo achizorora pa 60, zvingave zvakamubatsira kuti amirire kusvikira 65 kuti atange penheji yake. Ane mari uye mamwe marenda epamberi angashandisa kupa mari yake yaunoda kubhadhara kubva pamakore makumi matanhatu kusvika ku65 kana akasarudza kunonoka kutanga kwepenjeni yake.
Heino chidimbu chezvisarudzo zviviri zvekusarudzwa kwepenjeni:
- Upenyu humwe chete pazera remakore makumi matanhatu: $ 19,536 pagore
- Upenyu humwe chete pazera remakore 65: $ 34,128
Anofanira kutanga penheji yake pazera remakore makumi matanhatu kana makumi matanhatu here?
Kana David akamirira makore mashanu kuti atange penheji yake, achawana $ 14,592 mamwe gore. Asi iye achatadza $ 97,680 (makore mashanu x $ 19,536 pagore). Kuita sarudzo yakajeka inotora madhora 97,680 akaparadzana ne $ 14,592 uye iwe unoona achidzorera $ 97,680 mumakore 6.7, mugore raanozosvika makore 71. Izvi zvinogona kutumidzwa sekuputsa kwake-kunyange nemakore.
Kuongorora kwakajeka, zvisinei, hazvifungi kukosha kwemazuva. Kana Dhavhidhi achifanira kushandisa $ 97,680 yemari yake kubva pamakore makumi matanhatu kusvika ku65 ipapo haazove achiwana chikwereti pane mari iyoyo. Kana tikafunga kuti David aigona kuwana 4% pamari yake, inotadzisa nguva yake-kunyange yezera kusvika kune makore makumi manomwe.
Achifunga kuti David anorindira kusvikira ava nemakore makumi matanhatu nematatu kuti atange purogiramu yake, kana akararama kusvika ku80, kutora nguva yepenjeni kutanga zuva kuchaisa mari inopfuura $ 120,000 muhomwe yake paanoenzaniswa nekutanga penheji yake pa 60. (Kuongorora kuchiri kutora 4% kudzoka pane zvaDhavhidhi kuchengetwa uye kudyara.)
Iyo yakakwirira mubairo wekudzoka David anofunga kuti anokwanisa kuwana pane zvirimwa zvake, zvisingabatsiri kuderedza nguva yekutanga yepenjeni inova.
Somuenzaniso, kana David akafunga kuti aigona kuwana 10% yehutano hwekudzoka pane zvaaigadzirisa uye mari yake, kuparara kwake-kunyange makore anoenda kune makore 82.
Iva wakangwarira mukufungidzira kuti iwe unogona kuwana mukana wekudzoka sezvaunofanirwawo kufunga nezvehuwandu hwekutsvaga mari inotarisirwa kuedza kuwana mari yakadzoka yakakwirira. Mari yepensheni yakavimbiswa. Kufananidza mari yepenjeni kune mari inotengesa risiti haisi kuongorora kwakanaka. Inowanzooma kana isingakwanisi kuwana mukana wekudzoka kubva mumariko yakachengeteka .
Kana Dhavhidhi akaroorana akaparadzana yakafanana-kunyange kuongororwa kunogona kuitwa kuburikidza nekusarudza mari yepensheni iyo inopa mari inoramba ichiwanikwa kune mumwe wako anenge ari mupenyu . Muchiitiko ichocho, kutarisana kwehupenyu hunotarisirwa kunofungidzirwa.
Purogiramu imwe neimwe yakasiyana
Purogiramu imwe neimwe ine maitiro ayo anoona kuti iwe ungawana yakawanda sei muzera ripi.
Ndakashanda nevatengi avo vaiva nepensheni kubva kune imwe kambani uye pamwe chete nehomwe yepensheni isu takakurudzira kuti vatange kubatsirwa pakarepo; asi pamwe chete nedzimwe mari yepenherenda isu takarayira kuti vakamirira makore mashanu vasati vatanga kubatsira.
Mitero inofanira kufungwawo pakupedzisira. Dzimwe nguva kunonoka zuva rokutanga remapenjeni uye kutora IRA kana 401 (k) kubviswa kwemashure panguva yemakore emakore kunopa mamiriro ekuvandudza emitero kana ichionekwa pamusoro penguva yako yekurega basa.
Kuramba kwako kutinzwa paunotanga kutanga purogiramu yepensheni ingasave yakarurama. Kunyatsoongorora munharaunda iyi kunogona kubhadhara. Usatanga purogiramu yepensheni usingatanga kutarisa nhamba dzinofanirwa kunze kwenhamba yako yakazara yemakore akatarisirwa mukurasikirwa.