Nzira yekuita basa rekushandira purogiramu yepakutanga iwe
1.Choose Pension Options Kudzora Kwekutanga Kurasikirwa Package
Pensheni dzakawanda dzinokupa sarudzo sokuti unotanga rini kubatsirwa kwako. Kana iwe uine mari ingave yakakunakira iwe kushandisa mari yako yekuchengetedza mararamiro ehupenyu uye kunonoka kutanga kwepenjeni yako.
Ichinoenderana nemari yako yepensheni. Ndakaona zviitiko apo pasina kubatsirwa kunonoka kutanga kwepenjeni, saka iwe haugone kuvimba nemutemo wegumbo. Pane kudaro, iwe uchada kuverenga kuti chii chauchawana pamusoro pehupenyu hwako nechisarudzo chimwe chechipiri kune mumwe uye oenzanisa nekusarudza. Kana penheji yako ichikupa sarudzo yemari yemari kana annuity , iva nechokwadi chekuongorora kwakakwana usati wasarudza. Muzviitiko zvakawanda ndinotarisa, iyo annuity inosvika pakuva sarudzo yakanakisisa.
2. Ona Kana kushandisa IRA Mari Yokutanga Inogona Kuva Yakanakisisa
Mutemo wakazara wegunwe ndewokuti haugoni IRA yako kana mari yekusimudza kusvikira uchisvika makore 70 1/2 paunenge uchida kugovera zvishoma . Mutemo uyu wegumbo hauna kururama. Kana usinazve mari yaunowana uye saka uri mubhasikiti shoma shoma, unogona kukwanisa kutora IRA kuregera uye kubhadhara zvishoma-kwete-mutero. Kusarudza kuti ungarongedza sei iwe paunotora IRA zvisizvo nemamwe mapato ako emari nenzira inobhadhara mutero kunogona kureva mamwe mushure mekubhadhara mari inoshandiswa mari inowanikwa iwe.
Kugadzirisa kusununguka munzira inobhadhara mitero kunokosha uye kutanga kwepasitoreti kupa iyo inogona kuunza mikana yekushandisa mukana wekubhadhara mutero.
3. Ongorora Kusarudza Zvoutano
Kuzvidzivirira kwehutano hwega wega kunodhura. Kana kuenderera mberi kwekuchengetwa kwehutano kusingabatanidzi nguva yekutanga yekurasikirwa purogiramu iripo, itai kuti munoziva kuti muchazoita sei kuvhara apo chero chii chiri kugoverwa chinosvika pakaguma.
Paunowedzera muhutano hwehutano huripo humwe huripo huripo huripo huripo huripo huripo, hunofanirwa kubhadharwa kaviri. Dzimwe nguva kana iwe uchitenga muhutano hwehutano hwehutano huchasarudza kuti unofanirwa kuomerera nebasa rekubhadhara rakaderera, kana basa rausingadi. Dzimwe nguva hazvingakoshi, izvo zvakanaka, ingoita kuti uve nechokwadi chokuti wagadzirira mari.
4. Kugadzira nguva
Nzira yakanakisisa yekugadzirisa kuti mari yekurasikirwa kwepakutanga kana chirongwa chipi nechipi chekugara muhurumende ichashanda ndechekugadzirisa mukana wekubvisa mari . Ispassheet inotarisa mitsva yemari inotevera uye mari yegore negore, pamwe nezera rako. Iwe unogona kushandisa nguva iyi yekuona maona kana iwe ungashandura pane zvimwe zvekuwana mari yakadai seSocial Security kana penheji yako.
5. Dzidzai 401k Retirement Age Mitemo
Kana iwe wakapiwa chirongwa chekurega basa uye iwe uri pakati pemakore 55 ne1 59 1/2, chirongwa chako che 401k chinopa iwe kukwanisa kutora zvitsva uye usabhadhara mushure mokutanga kubhadhara mutero , kunyange iwe usati wava nemakore 59 1/2. Iwe unofanira kusiya mari iri muurongwa hwako kushandisa sarudzo iyi. Iva nechokwadi chokuti unonzwisisa makore 401k ekurega basa pamitemo usati watanga kushandura mari kumativi ose. Muzhinji, ndinofunga kuti vanhu vazhinji vari nani-kuwedzera kubatanidza makambani ekurega mari, asi kana iwe uri kusiya basa pakati pemakore 55 ne59 1/2, zvingasava nguva yekusimbisa zvakadaro.
6. Ongorora Nzira Itsva dzekuita mari
Kana wangove wakagamuchira purogiramu yekubvisa purogiramu yapfuura funga nezvekushandisa nguva yako yekuongorora nzira itsva dzekuita mari. Ongorora simba rako kuti uone kuti ingave yakaiswa sei mune imwe nzira iyo iwe unogona kutevera basa iwe unofarira chaizvo. Iwe unogona kutarisa kutanga bhizinesi rekubvunza , uchiita zvimwe tsvakurudzo pamabhizimisi maduku kutanga, kana kutsvaga nzira dzekuita zvinhu zvinokuvaraidza kuti uwane mari yakawedzerwa .
7. Kushungurudzika Edza Zvirongwa Zvako uye Iva neChirongwa Chekudzorera
Chinhu chinonyanya kukosha chaunogona kuita ndechekuedza kupedza chirongwa chako. Zvakadini kana mararamiro ekutsvaga mari akaderera pane iwe unofunga kuti vachave ? Zvakadini kana mwana akwegura akapinda mudambudziko uye iwe unoda kuvabatsira mune zvemari? Zvakadini kana nguva yako yekusarura mari yakasarudzwa ichienderana newawakaroorana naye achienderera kushanda uye vane chiitiko chehutano chinovamanikidza kunze kwebasa?
Iva nechokwadi chekuti unonzwa wakasununguka nemhinduro kumibvunzo "yekuti kana" uye funga nezveurongwa hwekubatsira kwako. Kuzvidzivirira kungava here kusarudza? Ndezvipi kuchinja kwaungaita kana zvinhu zvisingaiti zvakanaka?
8. Gamuchira Smart Nekuchengetedzwa Kwevanhu
Vanhu vazhinji vanotora purogiramu yekurega basa uye vanotiwo Social Security kare nokuti havachiri kuda kuisa mari yavo pachavo. Izvi zvingava chikanganiso chikuru. Kusiyana nezvaunogona kufunga, mune mari yakaderera-inhamba yemari yako mari yako inogona kugara kwenguva yakareba kana iwe uchinge waisa mari yako yokutanga uye unonoka zuva rokutanga rako re Social Security benefits. Vakaroorana, kunyanya, vanogona kushandisa mitemo ye Social Security kuti vawane humwe humwe huripo huri pakati pevari vaviri kana vachida kuva nemafungiro akajeka, dzidza kuti mitemo inoshanda sei nekugadzira hurongwa hwakarongeka. Kana iwe ukatora purogiramu yekubvisa purogiramu yepakutanga usati wafunga zvisina kururama kuti zvinoreva iwe unofanira kutora Social Security pakutanga. Iwe unogona kunge uchikuvadza zvisiri izvo mari yako yekuchengeteka nekuita izvi.