Nzira Yokufambisa Zvaunofanirwa Kubatsirwa Inobatsira Purogiramu yePensheni Kana Ukasiya Jobho
Paiva nenguva apo vamwe vanhu vangave vasina kufunga kubvisa basa nemari yakarondedzerwa penheyo, asi vanhu vanochinja mabasa kakawanda kupfuura kare , uye maitiro ezvakabatsiri vashandi vanopa vakashandura.
Kana hupiro huri nani hunouya musati warega basa, zviri kwauri kuti usarudze kuti ungaitei nemapenjeni wawakaunganidza.
Chii Chinorondedzerwa Kubatsirika Pension?
A defined defined pension ndeyekuti vanhu vakawanda vanofunga sei seyakarembera, yekare-chikoro penzira iyo baba vako kana sekuru vako vaiva nayo. Iwe unoziva, rudzi rwunovimbisa vashandi vanogara nekambani muhupenyu hwekuwana mari munguva yekurega basa.
Zvinorondedzerwa kubhadhara pensions hazvina kufanana mazuva ano, zvakatsiviwa nemarongerwo ezvirongwa, sezvakaitwa 401 (k) s, iyo inoisa zvakawanda zvekuchengetedzwa kwebasa kune mushandi uye isingauyi nezvivimbiso zvemari yakatarwa yekubvisa mari .
Pension Options Paunosimuka Mubasa
Kazhinji, paunosiya basa nemhando iyi yepenjeni, une zvishoma zvingasarudzwa. Iwe unogona kusarudza kutora mari semari yemari ikozvino, kana kutora chivimbiso chekubhadhara nguva dzose munguva yemberi, inozivikanwa se annuity.
Iwe unogona kutokwanisa kuwana kuwirirana kwezvose zviri zviviri.
Zvamunoita nemari mupenjeni yako zvinogona kuvimba nezera rako nemakore ekurega basa. Kana iwe uchiri muduku uye une mari shoma shomanana pangozi, chikwereti chinogona kuva chiri nyore nyore. Ramba uchiyeuka kuti mari yakawanda yebhadharo yakagadziriswa uye haigari nekutengesa.
Mazuva mashoma ezuva ano achatarisa kunyange maduku munguva yemberi. Mumakore makumi matatu kusvika ku40, simba rekutenga repaeni yako rinogona kuderedzwa zvikuru. Izviise iwe pachako, uye iwe unogona kukwanisa kudzorera zviri nani kwenguva refu pamari yako.
Kune rumwe rutivi, kana iwe uri pedyo nekurasira uye uchitsvaga mari yakagadziriswa, iyo annuity inogona kuva yakakosha yekusarudza. Iwe haufaniri kunetseka nezvekugadzirisa mari iwe pachako mumakore akawandisa asati apedza basa.
Iwe unogonawo kunge une pfungwa iri nani yehutano huri pedyo nekambani uye kukwanisa kusangana nezvipikirwa zvepenheni. (Zvikwereti zvinotsigirwa nehurumende kuburikidza nePension Benefit Guaranty Corporation, asi apo makambani ari kuenda pasi, vashandi nevashandi vekare vashandi havawanzo kuwana zvose zvavakange vapihwa.) Dzimwe nguva, makambani achapa zvikwereti zvakare kukurudzira vashandi vekare kuti varambe vari mu zvirongwa zvavo.
Zvaunofanira Kuita Nechipfu Semu Pension Payment
Kana iwe ukatora chikwereti ichocho, funga kuendesa mari yacho zvakananga kubva pamba yako yepenjeni kusvika muRollover rega retirement retaiti (IRA) kuti urege kubhadharwa. Kana kambani yako ikakunyorera cheki, iwe une mazuva makumi matanhatu ekuendesa mari yacho mukodhi-inofanirwa kubhadharwa mari isati yabhadharwa.
Kunze kwekuti iwe unonyatsoda mari yacho, zvakanakisisa kuti usapedza kushandisa mari yacho musati wasara. Hausi kungosiya kuwedzera kwekutsvaga kwekutsvaga kwekutsvaga, asi iwe unofanirwa kubhadhara mitero pamari pamwe ne 10 muzana yekutanga kubvisa chirango. Kana uine zvinhu zvinokosha muurongwa hwako, unogona kutarisana nemutero wemutero.
Mukati yeRROllover IRA, mari inogona kuiswa mune chero nzira yaunosarudza. Iwe unogona kutotenga chikwereti mukati meIRA kuti uwane mamwe emari iyo yakavimbiswa iwe pachako.
Vamwe vashandi vehurongwa hwekurega basa, kusanganisira Vanguard uye Fidelity Investments, kupa mazano uye zvishandiso zvepaIndaneti kubatsira vashandi kugadzirisa pakati pe annuity uye nemari. Zvakakosha kutamba nharaunda pamwe chete navamwe vasati vatanga kusarudza. Iwe unogonawo kutarisa chirongwa chevatungamiri mazano kubva pamamiriro ako chaiwo nezvinangwa.
Verenga Zvimwe: Zvikanganiso Zvikuru Zvikuru Zvokurasikirwa | Nzira Yokubata Nayo 401k Paunobva Mubasa Job | Mazano Okusarudza Basa NeHurongwa Hukuru hwekugara