Chigaro chechirwere chetatu chifananidzi chekuti sei mushure mekunge-Chizvarwa cheHondo Yenyika II chakatarisa kurongwa kwekurega basa. Iro makumbo matatu anomiririra mushandi wepenjeni, kuchengetwa kwevashandi uye Social Security. Iwe unoda mumwe nomumwe kuti aite simba rakasimba rekusiya basa. Pasina rimwe, chigaro chechiremba chechitatu chaisazoshanda.
Ichi chirevo chinowanzotaurwa kuna Franklin D. Roosevelt, uyo akasika chirongwa che Social Social.
Zvisinei haana kuita, maererano neSocial Security Administration, chaizvoizvo anoshandisa izwi. Mhedzisiro inogona kunge yakange iri murume ainzi Reinhard A. Hohaus, mutori wenharaunda ari kushanda yeMet Insurance Insurance. Munguva yekutaura kwa1949 pa Social Security, akataura pamusoro pechitsiko chine makumbo matatu: Social Security, inshuwarisi yega yega uye boka re inshuwarisi. Asi pfungwa yemakumbo matatu inoratidzika kunge yakanyanya mupfungwa dzeavo vakasika chirongwa che Social Social.
Zvigaro Zvitatu Zvisungo Zviripo Mazuva Ano Here?
Kune vazhinji vedu, chigaro chechirwere zvitatu hachiripo , kana kuti chinotarisa chakaita zvakasiyana. Purogiramu uye mapurogiramu eshuwarisi emapoka akambopiwa nevashandi vanokurumidza kushaikwa. Maererano nemushumo unobva kuWillis Towers Watson PLC, 20% chete yemakambani Fortune 500 akapa chero chirongwa chepurogiramu yehupfumi yevashandi vatsva pakupera kwegore ra2015. Nhamba yevashandi vakavharwa nehupurogiramu yepensheni yakaderera zvikuru kubva kune 60 % avo vakavigwa kare muna 1998.
Vashandi vakawanda vanopa 401 (k) inotsanangurwa chirongwa chekubvisa mari panzvimbo. Asi sezvo vashandi vari kupa zvipo kuburikidza nemari yavo, 401 (k) inowedzera chikamu chegumbo rega roga roga kupfurikidza nemushandi wepamberi penjodzi. Vamwe vashandi vanoita kuti vabate basa ravo nekupa mukana wokukurudzira kusvika kusvika 6% yezvaunoponesa.
Nhau dzakanaka nhamba yevashandi inopa 401 (k) chirongwa chekufananidza chiri kugadzirisa chinetso chekugadzirisa mari. Muna 2008, inenge 72% yevashandi yaive nemakwikwi, maererano nekutsvakurudza kwakaitwa naCharles Schwab & Co. yakabva pane imwe kambani 1000 inoronga vatengi vavo kuti vabatanidzwe. Nhamba iyoyo yakaderera kusvika 67% muna 2009, asi yakadzokera kusvika ku7% kubva muna 2012 Kana iwe uine mutsara, iwe une chikamu chechipiri chekuwedzera pane yako.
Zvadaro pane zvakakosha asi kazhinji zvisinganzwisisiki Social Security leg. Iwe unogona kuwana mhando dzose dzekufungidzira uye maonero pamusoro pekuti Social Social Security ine, ahem, gumbo kuti rimire. Maererano neSocial Security uye Medicare Boards of Trustees 2015 Annual Report, Social Security trust mari inofungidzirwa kuti inopedzwa nema1934. Izvi hazvirevi kuti Social Security zvinyorwa zvichanyangarika zvachose. Pasina chero shanduko, mitero yemitero ichiri kubhadharwa nevashandi vashoma ichakwanisa kubhadhara nezve 79% yezvikomborero zvarongwa.
Imwe nzira yakasiyana yekugadzirisa gumbo re Social Social nderokuti kusanganiswa kwezvinhu zvakadai sekuwedzera kwemakore kuti zvizere zvikwereti kana mireji yepamusoro yemari ichabatsira kugadzirisa nenzira imwe neimwe. Asi semugumisiro wezvinhu izvi zvinogona kugadziriswa kuhutano zvipo zvinogona kuderedzwa zvakanyanya kubva mumazuva ano.
Saka, zvichienderana nezvamunoita basa rekusiya basa, unogona kutarisira chikamu cheSocial Security, asi chiduku uye chisina simba pane zvakanakisisa.
Nzvimbo yekusarura yemangwana inogona kuva nemakumbo matatu, asi ingangodaro inotarisa yakafanana nehombe huru ine zviduku zviviri zvitsotsi. Makumbo maduku maviri aripo kuti awedzere zvishoma zvishoma zvekusimudzira, asi iyo huru yekuchengetedza yega ndiyo iyo icharamba yakasimuka. Ichi ndicho chikonzero zvakakosha kuchengetedza zvakawanda sezvaunokwanisa panguva yemakore ako ekushanda.
Uri kuchengetedza zvakakwana kuti uwane zvinangwa zvako zvekurega basa here? Nzira yakanakisisa yekuwana nayo ndeyekushandira chekuita basa rekusarura kwekunamata kamwe chete pagore. Pane zvakasiyana-siyana zvakasiyana-siyana zvekusarura mapurogiramu anovapo mazuva ano kuti akubatsire kutarisa kushandiswa kwekushanda kwemari kuverenga kuti uone kana iwe uri munzira yakarurama (ona Retirement Calculator Ongororo kwechifupiso chekudzokorora kwezvakakurumbira zvinoshandiswa).
Ingova nechokwadi chekubatanidza yose yemakumbo emakumbo matatu ekurasira mubhadharo ayo anoshandisa kumamiriro ako ega.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.
Yakarongwa naScott Spann
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