Izvi zvinosanganisira zvinhu zvakadai sehutano, hupenyu nehutano hwehutano, nguva yezororo, uye maChishanu echando. Zvakanaka kubashandisa zvikwereti zvinosanganisirawo chirongwa chakanaka chokubvisa basa. Hungu, dzimwe zvirongwa zvekurega basa zviri nani kune vamwe.
Iko yakanaka chaizvo inogona kuwedzera kukosha kwechinzvimbo chako nemushandi, uye inogona kunge yakagadzirisa mari yepamusoro kune umwe mushandirwi.
Nzira Yokuongorora Mazano Okurasikirwa
Chii chinoita kuti rimwe remaitiro rive rakanaka kupfuura rimwe? Heano mamwe mazano ekukubatsira kuti uenzanise.
Mushandi Wekurasikirwa Kwemarongerwo Emhando
Kune marudzi akawanda emagadziro, uye vashandi vanogona kupa zvinopfuura imwe chete kana kusanganiswa kwezvinhu zvitatu.
Defined Benefit Plans. Chinhu chisingawanzozivikanwa asi chinonyanya kukosha chinozivikanwa sechitsanangurwa chinangwa chekubatsira, izvo ndizvo zvatinonyanya kufunga nezvazvo sechirongwa chetsika yepensheni. Mune urongwa hwechirongwa ichi, mubhadhari anopa zvipo kune compte yevashandi, uye anovimbisa imwe mari yemari yemwedzi pamubhedha.
Izvi zvinogona kuva chikamu chemari, kana kuti inodhindwa madhora akawanda. Kuwanda kwekugashira kunogona kuve kwakavakirwa nguva yako inoshandiswa nekambani, makore ako, mubhadharo wako, pamwe nezvimwe zvinhu. Purogiramu yepensheni inodzivirirwa kuburikidza nePension Benefit Guaranty Corp., sangano rehurumende rinopinda mukana kana kambani inokundikana kana isingagoni kuita zvakanaka pamhiko yepensheni.
Munguva pfupi yapfuura sema1980, inenge 80 muzana yemakambani makuru akapa zvinorongwa zvirongwa zvevashandi. Iye zvino nhamba iyi iri pasi pe30 muzana, uye inongotarisirwa kuderera. Kana iwe uine ruzivo rwakakwana kuti upiwe basa neurongwa hunotsanangurwa hwekubatsira, nyatsocherechedza kukosha kwayo pakuenzanisa zvipo.
A defined defined plan plan inogona kuwedzera mari yakawanda kune yako yekugara kwenguva refu. Zvisinei, chengeta kuti uone chii chinoitika kune chirongwa chinorondedzerwa chirongwa kana iwe uchisiya kambani musati warega basa. Zvizhinji zvinotsanangurwa kubhadhara pensions hazvisviki, zvichireva kuti haugone kutora iwe kana iwe uchibva kambani. Kunyange zvazvo mamwe makambani anopa mazano emari akaenzana, anogona kuendeswa kune rimwe rega rekubvisa mari kana 401k kana ukachinja mabasa.
Defined Contribution Plans. Chimwe chinhu chinowanzosarudzwa mazuva ano ndechirongwa chepamupi chinorondedzerwa, sa 401 (k), 403 (b), kana kuti 457 (b) chirongwa. Hapana purogiramu yakatarwa yakavimbiswa pakubhadhara. Pane kudaro, mushandi anofanira kuchengetedza uye kugovera mari yakatarwa yebhadharo risati rabhadhara mari, sarudza kuti inotengeswa sei, uye gadzirisa kariyo ikozvino uye pakubhadhara.
Kusiyana nemapensheni anoisa kuisa pangozi kumakambani, zvinorondedzerwa zvirongwa zvepano zvinobva pangozi uye zvizhinji zvebasa kumushandi. Pachiedza chakajeka, mari inogona kuramba ichichengetwa mutero-yakatambiswa, kunyange iwe ukasiya basa .
Chii chinokonzera 401 (k) hurongwa hukuru ndeyekusarudzwa kwayo kwekutsvaga uye kushandiswa kwevashandi. Sarudzo dzekutsvaga mari dzinofanira kusanganisira mari shoma, kwete-mutual mutual fund zvingasarudzwa, pamwe nehupenyu hwehupenyu hunobvumira mutungamiriri wemhizha kuti asarudze zvisarudzo kwauri.
Zvirongwa zvakakura zvinopawo vashandi vanofananidza mune 401 (k), apo mushandirwi anobatsira kusvika 6 kubva muzana yemadhora ose (kana kuti 50 kusvika kuzana makumi mashanu pariyoni) yaunopa. Mamwe makambani anotarisana nemipiro yevashandi pamwe nesangano rezvikwata
Zvirongwa zvinorondedzerwa zvezvipo zvinosanganisirawo zvirongwa zvekugovana mari, zvirongwa zvokutenga mari, uye mabhonasi ematokisi. Izvo zvose zvakangofanana, mune vashandi vanopa chimwe chinhu kune vashandi gore rega rega. Nebasa rekugovana, vashandi vanopa chikamu chemari yekambani kuvashandi gore roga roga. Zvisinei, mushandirwi haafaniri kupiwa zvipo gore negore.
Nezvirongwa zvekutenga mari, vashandi vanofanirwa kupa mari yegore negore yemamwe mapeji kune imwe nhoroondo yevashandi. Kana zvipo zvevashandi zvipi zvayo zvinowanikwa nenzira yematokari, iyo ibhonasi yebasa kana mushandi wehupfumi hwehupfumi (ESOP).
Chimwe nechimwe chezvirongwa izvi chinowedzera sarudzo yekuchengetedza uye mari inogona kuita mari yekurega basa.
Mumwe Nomudzimai Anotora Chikwereti. Imwe nzira yekurega basa inoshandiswa nomubhizimusi iyo inogona kubhadhara kambani yekubvisa mari kana kuti chirongwa cheIRA, iyo iyo mushandi inopa imwe mari gore roga rega uye mushandi anogona kana kuti haagoni kuita zvipo zvakakodzana. Kune marudzi akasiyana-siyana eIRAs, kusanganisira SEP IRAs, uye SIMPLE IRAs. Mhando dzakasiyana dzemabhuku dzinosiyana mumashoko ekuti iwe unogona kugovera gore rega rega, uye zvakadini iwe waunoshandira ane basa rekupa. Zvinonyanya kukosha kwamuri ndezvesarudzo dzekutsvaga uye mupiro wemupiro.
Kufanana ne401 (k), zviyero zveIRA zvinoshandiswa uye zvinokwanisa kudzorerwazve chero nguva. Vashandi vanogona kunge vane ruzivo rwakawanda rwekutsvaga mari muIRA. Kunyange zvakadaro, zvinonzwisisika kufarira mari yakaderera uye yakasiyana-siyana.
Multiple Options. Wako unogona kushandira angapa imwe kana zvimwe zvekusarudzwa kwemabasa aya, izvo zvakakunakira iwe. Kana iwe ukawana pfungwa dzezvikomborero izvi paunenge uchiyera basa, iwe unogona kuwana kuti chirongwa chikuru chekurega basa chinoita kuti munhu ave nechimiro chakajeka.
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