Nguva yako yekusununguka inosarudza nguva uye sei iwe unogona kuwana sei mari yako yokurasikirwa. Kurega kwemakore mitemo kunopesana nepurogiramu yekuronga uye kubva kune imwe nyika kune imwe nyika.
Wako 401 (k) urongwa, somuenzaniso, unogona kutsanangura zera rekusununguka zvakasiyana neurongwa hwepensheni yako kana Social Security. Hezvino zvinhu zvaunoda kuzive usati wasarudza zera rako rekurasikirwa.
01 Kuchengetedza Chikamu Chekuchengetedzwa Kwevanhu
Iyo yezera rekutanga iwe unogona kuunganidza yako Social Security retirement benefits kune makore 62 - asi nekuda kwekuti iwe unogona kuunganidza panguva ino haireve kuti iwe unofanira. Iwe uchawana imwe huru yemwedzi pamwedzi uchitsvaga pane imwe nguva yemakore. Mukuwedzera, kana iwe uchitora Social Security pamakumi matanhatu, kana nguva ipi zvayo isati yazara yekusununguka kwemakore (iyo inopesana nezuva rako rokuberekwa), uye iwe unoramba uchishanda uye uchiwana mari yakawandisa muwandu wemari yekuwana, yako Social Social benefits ichave kuderedza. Usatanga kutanga kuunganidza yako Social Security zvituko kusvikira iwe unonzwisisa kuti kutangisa kwako kunobata sei zvikomborero zvako. Vakaroora vakaroorana vanofanira kunyatsogadzirisa kuronga sezvavanogona kuita kuti vapona vanobudirira vabatsirwe pavanoronga nguva uye kuti ivo vanotanga sei kubatsirwa kwavo.
02 Zera Unogona Kutanga Kubvisa Kubva pane 401 (k) Gadziriro
Iwe unogona kubvumirwa kubvisa mari kubva kune yako 401 (k) chirongwa kubva pakutanga kwezera remakore makumi mashanu nemashanu. Mitemo yakasiyana inoshandiswa pakuparadzira kwaunotora panguva dzakasiyana. Chino 401 (k) makore ekurega basa kuti azive ndeye 55, 59 1/2, uye ane makore 70 1/2. Kana iwe usati wava nemakore makumi mashanu nemashanu uye iwe unoda kuwana 401 (k) mari, unogona kushandisa 401 (k) chikwereti, kana kutora dambudziko rekuregererwa, zvisinei, chenjera kuti urege kubviswa kare. Iko kune chikwereti chekudzivirirwa chinopiwa nemari mune 401 (k) hurongwa, naizvozvo unofunga kufunga kaviri usati wapedza purogiramu yako.
03 Avhareji Yokurasikirwa Ari muUnited States
ICensus Census Bureau inotitaurira svondo rekushaya mari muUnited States is 62, uye muvhareji urefu hwekurega basa ndeye makore gumi nemana. Zvinonakidza, Social Security inotsanangura 62 semakore ekutanga ekurega basa; tanga kubatsirwa panguva ino uye iwe uchawana kuderedzwa kweHindu Social Security. Avo vane pensions, mari yakawanda yekuchengetedza uye kukwanisa kuchengetedza bhajeti, inogona kunge yakagadzikana kana ikasarudza kurega basa pazera remakore makumi matanhatu kana kupfuura. Vaya vasina zvinhu izvozvi vanofanira kufunga nezvekushanda kwepakati pepakati pemakore ekurega basa.
04 Kutanga Kubhadhara
Vazhinji veAmerica vanofunga nezvezera remakore makumi maviri nemashanu kana apfuura semakore ekutanga ekurega basa. Kana iwe ukakwanisa kuchengetedza zvakakwana pakutanga muupenyu, kutanga basa rekurega basa kunobudirira. Kusununguka kwepakutanga kunowanzoonekwa kune avo vari vadzidzisi vekunyanyisa kana ivo vakatanga basa mushure menguva yehondo kana mune imwe nzira yebasa rehurumende (izvo zvinoreva kuti vakakodzera kuwana penheji pazera duku). Tsanangudzo yangu yepakutanga kwemakore ekurega basa ndeyepi yemakore asati asvika 65. Kune avo vasina pensions, panzvimbo yekusiya basa remangwanani, funga kuwana basa raunoda kuita. Vanhu vazhinji vanoshandisa nguva yekurega basa kubva kune rimwe basa semukana wekuwana basa rechipiri ravanofarira zvechokwadi.
05 Kubudirira vs. Mavhesi Emapato Okurasikirwa neNyika
Nguva yepamutemo yekurega basa uye nguva yakakwana yekurega basa ndeyezvinhu zviviri zvakasiyana, uye zvinosiyana kubva kune dzimwe nyika. Nguva yepamutemo yekurega basa ndiyo inguva iyo iyo hurumende inobatsira mari inotora mari inopinda. Izera rakanaka iro vanhu vangasarudza kusunungurwa, kunyange kana zvikomborero zvisati zvawanikwa. Zvinotarisirwa kuti, dzimwe nyika dzine makore akawanda ekupedza basa rekubata mari kune vamwe.
06 Ndezvipi Mitemo Inoshandiswa Panguva Ipi?
Iyi yezera rekurega basa nguva inokuudza kuti zviitiko zvekugadzirisa basa zvinoshandiswa pamakore akadii, uye zvaunoda kuita sezvaunoswedera pedyo nemakore ose. Makore anokosha ndeapi 55, 59 1/2, 62, 65, 70, 70 1/2, uye 75. Usati wasarudza zera rako rekurasikirwa iwe unoda kuziva nemitemo. Pane zviito zvinhu zvaunoda kutora sezvaunoswedera pedyo nezera rimwe nerimwe.