Unofanira Kubhadhara MuPenheni Yako Here?

Zvinhu Zvokufunga nezvazvo Pamberi Kuita Zvisarudzo Zvisingaperi Pamusoro pePenheni Yenyu

Upenyu-uye kunyanya kubhadhara-inogona kuva yakasarudzwa nechisarudzo chisina kunaka. Zvimwe zvirongwa zvepenjeni zvinokubvumira kutora mari yemari yekugovera panzvimbo yekubhadhara kwese kwese, uye inogona kuidza iyo kana iri sarudzo iripo. Asi haisi nguva dzose chinhu chakanaka chaunofanira kuita.

Usaisa mari muhomwe yako yepenjeni kana kuti uite chero zvimwe zvisarudzo zvekusingaperi pamusoro payo usingati uongororongororangariro kutanga. Heano dzimwe nyaya dzaungada kufunga.

01 Lump Sum kana Annuity?

Kana iwe ukatora chikwereti chemari, iyo mari inogona kuendeswa kune imwe yenhoroondo yeIRA kuitira kuti mitero irege kuva chinhu chikuru. Vamwe vanhu vanoita izvi nokuti mumwe anoronga mari akavavimbisa kuti anogona kuita zviri nani nemari. Kana iwe unogona kuzviita nokuti iwe unoda kunyaradzwa kwekuziva kuti mari iyo yose inowanikwa iwe kana iwe uchida.

Muzvokwadi, pane zvikonzero zvishomanana zvakakosha zvokubhadhara penheji yako semari yemari. Kazhinji pane zvisiri, mamwe mahedheni okubhadhara achapa rubatsiro rwuri nani pavanotarisa pamusoro pehupenyu hwako hwose. Iwe unofanirwa kuongorora nguva dzose yemigumisiro yemari yemari kana yegore yepensheni yekusarudzwa pamusana pekutarisira kweupenyu hwako kuti uone kuti ndeipi iyo yakanakisisa iwe iwe. Iko mari yekusarudzwa inogona kunge yakanaka munguva pfupi, asi iwe unogona kupera mari kana ukaita zvisarudzo zvakaipa nemari. An annuity inokudzivirira pane izvi.

02 Joint Life Pension Payouts

Iwe unofanirwa kusarudza kuti chii chekuparidzirwa kwepenheni chakanakisisa iwe nemumwe wako kana iwe wakaroorwa. Zvichida iwe unofara nemari yekuwana mari yako yepenjeni uye kutarisira mari, asi iwe wako angagona kukwanisa kushandisa mari yacho kana iwe ukapfuura here? Zvakadini kana wawakaroorana naye ane tarisiro yeupenyu hwakareba kupfuura iwe?

Izvi zvinogona kuita kuti upenyu huri pamwe chete hwepenjeni payuity payout huve hwakakosha kudarika chepfu yemari inoshandiswa. Hupenyu huripo huripo hunowanikwa mune dzimwe shanduro dzakawanda, dzakadai se100 muzana kune mumwe wako, 75 muzana kune wawakaroora, kana 50 muzana kune mumwe wako. Yeuka, imba yako icharasikirwa nehupfumi hwekuchengetedzwa kwehupfumi kana wawakaroorana naye apfuura, saka kuva nemari yepensheni inowanikwa kune anopona kunogona kukosha.

03 Ndirini Ndichifanira Kutanga Pension Yangu?

Iwe unogona kukwanisa kubhadhara pazera remakore makumi matanhatu, asi izvozvo hazvirevi kuti unotanga kutora penheji yako pa 60. Zvikwereti zvakawanda-kunyange zvisati zviri zvose-kupa zvikwereti zvakanyanya zvakanyanya kana iwe uchitanga kubatsirika pane imwe nguva yekare. Iwe unogona kunge uchisiya mari patafura kana iwe usina kuongorora mubhadharo wekubhadhara uye iwe unotanga penheni yako mangwanani.

Kunyange kana iwe uchifanira kubvisa kubva pane zvaunenge uchichengetera zvishomanana kuti uite kuti kunonoka, kumirira kungave kuchiri kushandiswa kunofadza. Chisarudzo chakanaka chekuti iwe unotanga rini penhesi yako inogona kubatsira kuderedza dambudziko rako rekubuda kwemari mukurasira.

04 Ndezvipi Zvakawanda Mumitero Ndinofanira Kuzvidzivirira Pandaipera?

Chinhu chekupedzisira chamunoda mukurasira ndechokuziva kuti iwe unokwereta mitero isingatarisirwi. Dzimwe nguva vatorwa vanotanga purogiramu yavo yepensheni uye havana mitero yakadzivirirwa nokuti vanofunga kuti havazobhadhara chero. Zvadaro, gare gare, vanotanga Social Security kana ivo vanotora IRA vanosiya. Kushamisika! IRS inoda chikamu chemari iyi.

Iwe unogona kugadzirisa mutero usingabhadhari pamabhadharo ako epenhesi kuitira kuti ubve wakanaka pedyo nenhepfenyuro yepamusoro pamitero ipi yaunogona kubhadhara kana pamutero unotarisirwa. Zvakanakisisa kuronga mari yako yaunotora mari usati watanga mari yako yepensheni kuitira kuti iwe ugone kuisa mutero wako usingaiti. Somuenzaniso, kana iwe uchiratidza kuti iwe uchava mu 25-percent yemukati webhasikiti asi uchave wakagadziriswa, iwe unogona kugadza federal kubhadhara penheji yako pa20 muzana.

Cherechedza:

Nguva dzose taurirana nenyanzvi yepamusoro-up-to-date retirement counsel. Iyi ruzivo haruna kufanirwa sehutano wekutsvaga mari uye haisi kutsiva mazano ekutsvaga mari.