Vakaroorana vanofanira kutarisa kutarisana kwehupenyu hwekubatana uye chikonzero munharaunda yekuroorana uye kupukunyuka kunobatsira kuita zvakanakisisa kutora chisarudzo. Hezvino zvinhu zvakakosha kuti uchengete mupfungwa paunosarudza nguva yekuwana Social Security sevakaroorana.
1. Kubvumirwa kweMukomana uye Mupukunyutsi Mazano
Munhu akaroora angareva zvikwereti pane zvaanowana pabasa rake, asi mumatambudziko mazhinji anogonawo kubvunza kubatsirwa kweropa rake / mudzimai wake, anonzi murume nemudzimai anobatsirwa . Mhuri inobatsirana inobatsira zvikuru kune vasingashandi vakaroorana kana vakaroorana avo vaiva nemari shoma kwemakore akawanda. Kufanana nehupi hupi hwehupfumi hwekuchengetedzwa kwehupfumi, mumwe munhu angafambisa mari yevabereki kana ava nemakore makumi matanhatu nematanhatu asi achawana mari yakaderedzwa inogadziriswa yeupenyu kuburikidza nekuisa kare.
Mumwe munhu anogonawo kutora chikomborero chemuponesi pamubhadharo wemufi akawanikwa. Munhu anenge apona anogona kutora zviduku zvishoma kana ava nemakore makumi matanhatu; kunyange zvakadaro, vachawana zvakawanda kana vakamirira kusvika pazera ravo rekurega basa (FRA) vasati vataura.
Kana vose vakaroorana vachiwana rubatsiro, pamusana pekufa kwewawakaroorana naye, chete ivo vakakwirira vari vaviri vanobatsirwa mari inogamuchirwa inoenderera mberi sekuti mupona anobatsirwa. Izvozvo zvinoreva kuti zvakakosha zvakakosha kuti vakaroorana vawedzere kubatsirwa kwepamusoro pemutengi. Izvo zvichava mupukunyutsi zvinobatsira.
Nokutaura pakutanga, vazhinji vari vaviri vari kutora chisarudzo chichakuvadza mukadzi akagara kwenguva refu.
2. Chiitiko cheMukaro uye Kupukunyuka Kunobatsira Kune Vakaroorana Vakaroora Vaviri
Iko kune zvakanakira kuva nemudzimai unobatsirana kune vaviri vanowana mari yakaroorana. Kana akaberekwa musi waJanuary 1, 1954, kana kuti apfuura, mubairo wepamusoro muhomwe unogona kutora rubatsiro rwevakaroorana pavanosvika paFRA, vachisiya ruzivo kubva pane zvaanoita kuti vawedzere kuderedza kusarudzwa kwekurega mari kuburikidza nekuregererwa. Uyu mukuru wemudzimai anotambira zvino anotsvaga kumubatsiri wevashandi vake pamakore anenge makumi manomwe. Izvi zvinotora mafaira ekucherera ari pasi pevashandi vavo vanobatsirwa zvichienderana nemari yavo yekuwana rekero pakati pemakore makumi matanhatu nemazana avo.
Izvozvi ikozvino, taura zvakawanda gare gare chirongwa chinovhara mumuponesi mukuru anobatsira chero ipi zvayo mukadzi akareba kupfuura ose kuti ararame. Kana muparidzi wacho achibatsirwa anogadziriswa, vaviri vanogona kuwana mari vanogona kuwana kuti zvakakanakira kucheresa zvinobatsira kune uyo anotakura zvakanyanya uye kutanga kutora zvakabatsiro kutanga kwemumwe wako nemutengo wepasi pamwedzi.
Zvadaro kana afa wepamusoro, mutsigiri wepamusoro-shanduko achatsinhanisa kune wepamusoro akapona kubatsirwa. Mune mamwe mazwi, chisarudzo chekudzikamisa iyo yakakosha yekuwana rubatsiro inobva paupenyu hwomumwe wechipiri kuti afe.
Izvi zvinowedzera mararamiro ehupenyu hwekugadzirisa hutano kune vakaroorana apo mumwe mudzimai angatarisira kupedza imwe. Izvo zvakaenzana nekutenga wechipiri-kusvika-kufa kana kubatana-upenyu annuity.
Saizvozvowo, chisarudzo chekuti kana mutengi wepasi api anofanira kutanga kutora kubatsirwa ndehupenyu hwomukadzi wekutanga wokufa. Zvikwereti zvinobva pasi pekunyorera kwekodha zvinongopedzisira zvichingoitika kusvikira mumwe wekutanga afa.
Zvinosuruvarisa, zvitsva zveMasitracial Social Security zvakapedzerwa munaNovember 2015 zvinoreva kuti ivo chete avo vakazvarwa musi waJanuary 1, 1954, vanogona kutora rubatsiro rwevakaroorana kana vachienderera mberi vachirega kubatsirwa kwavo kuwedzera zvikwereti.
Kune avo vakaberekwa musi waJanuary 2, 1954 kana kuti gare gare, kuchine chibvumirano chekuva nemutengo wakakosha kunonoka - iwe hauzokwanise "kuvhara kaviri" uye kuunganidza mari yekuroorana paunenge wakamirira kusvika makore makumi manomwe.
3. Mitero ye Social Social Security
Chimwe chikonzero chakakanganwa nevasles uye chakaroorwa zvakafanana ndiyo inokonzerwa nemitero. Kurega mubhadharo mari inoda kuonekwa pamutero wekutevera. Mubhuku rake, A Social Security Owner's Manual , Jim Blankenship, CFP ® , anopa muenzaniso wakanaka umo anoratidza mitezo inotevera yekutora Social Security pakutanga uye IRA kuregera mavhesi anotevera achiita zvakanyatsopesana, izvo zvingadai zvakanonoka Social Security uye pane kushandisa IRA mari kare. Mugumisiro wekunonoka kweSocial Security uye kushandisa IRA mari yekutanga: $ 64,000 mamwe mushure mekubhadhara mutero uye $ 179,000 akawanda mubhangi mushure memakore makumi matatu nemasere pakurega. Icho hachisi chechi chump. Mitero inokosha. Iri sarudzo haibatsiri kune avo vane pensions huru, asi kune avo vasina mari yepenjeni kana mukana wepensheni, inogona kubatsira mari yako yokurasikirwa ichiita zvakawanda kwauri.
4. Usakanganwa Pamusoro pemari Yekuedzwa
Kana ukaronga pakushanda pakati pemakore makumi matanhatu nemashanu yako FRA ikamirira kusvikira FRA yako ichatanga matambudziko. Sei? Kuongororwa kwemari inokukanganisa iwe kana uchiramba uchinge wawana mari uye uwane rubatsiro rweSocial Security usati wasvika paFRA yako. Mumamiriro ezvinhu akadaro, yako Social Security inobatsira ichaderedzwa kana mari yako yose inopfuura chikamu chegore negore. Kana iwe uine mwedzi yakati apo mari yako yakakosha yakakwana zvokuti iwe hauna kufungidzirwa kuva "umurega" pane zvaunobatsira zvinogona kuverengwa zvakare kana uchisvika paFRA yako, asi zvinogona kutora makore 13 - 14 kuti adzorere mari yaive akadziviswa.
5. Verengai, Zvadaro Bvunza
Hapana chikonzero chekufungidzira pamusoro penguva yakanakisisa yekutora yako Social Security benefits. Online Social Security vashandi vanoita nhamba yekununura iwe newawakaroorana naye, uye kukuratidzai izvo zvinoreva nzira inozoguma mune zvakanakisisa zveupenyu hwose kune vakaroorana vakaroorana. Hapana nzira yandingatombofunga nayo ndichirumbidza kuti Social Security inotaurira urongwa hwevadzidzi vakaroorana vasina kukwanisa kutarisa mamiriro avo kuburikidza nekunyorera imwechete online Social Security calculator.