Saka, Ndiani Anotarisira Hurumende Vashandirwi Purogiramu?
Sezvinenge mune zvose zvehurumende zvinoshandiswa, vateresi vanopedzisira vafambisa mushumo, asi havasi ivo voga vane "ganda mumutambo." Retirement annuities haisi kungopiwa kune vashandi vehurumende pavanoramba kusimbisa basa.
Vashandi vanopa chikamu chebhadharo rimwe nerimwe kumasangano avo ekurega basa , izvo zvakawanda gare gare pasi pemugwagwa zvinovabhadhara kuti vawane mari yekubhadhara mari.
Apo vanhu vanoita mabasa ehurumende, rumwe rutivi rwechisarudzo chekubvuma basa rinoitwa nderokuti munhu wacho anokwanisa kurarama kubva mubhadharo kunze kwekupa mari yekushumira. Shanduko ndeye mushandi haafaniri kuchengetedza zvakawanda zvekurega basa kubva kune mari yakasara yemari. Uyezve, mari inoshandiswa iyo yakanyatsogadziriswa kana kushandiswa zvishoma nehurongwa hwekurega basa.
Hurumende dzehurumende Dzinobatsira
Hurumende dzehurumende dzinobatsirawo kune vashandi vezvirongwa zvehupfumi Nhengo dzakawanda dzinofanirwa kuenzanisa (kana kuti dzinoda kufanana) mari yevashandi. MaAgence anoona izvi sevashandi vanobhadhara zvakafanana kune vamwe vanoshandira-kubhadhara zvikwereti semishonga yehushuwarhu yehutano uye inshurensi yehupenyu Chimwe chikamu chakafanana chemari yega yega mari inoshandiswa nemushandi anofanirana ne 401 (k) yevashandi.
Mipiro iyi inoshandiswa kubhadhara annuity payments uye kukura mari yekuchengetedza.
Izvo Zvikwereti Zvakagadziriswa
Vashandi vose vehurumende havagamuchiri mari yakafanana yemari. Kakawanda, mari imwe neimwe yekusunungura inobva pamakore emunhu iyeye eushumiri uye anowedzera mubhadharo. Vaya vashumiri vehurumende vane marefu akawanda uye mibairo mikuru vanoita zvakawanda muhutano kupfuura vamwe vane zviduku zviduku uye mibayiro shoma.
Zera rinotanga kuitika kana chigadzirisa kubhadhara basa rinofanira kuitwa apo iyo mushandi anogona kutanga kutora chikwereti chemari. Mishonga yokurasikirwa inotora kuregererwa kwekurega basa zvakasununguka. Kungofanana nehurongwa humwe huri nemitemo iyo makore nemakore ekushanda zvinofanira kuenzana kana kudarika 80, somuenzaniso, hazvirevi kuti vamwe vanoshandisa nzira imwe chete.
Kufanirwa Kwakaitwa Sei?
Pamberi pevashandi vasara, vanoziva mitemo yekufanirwa uye mari chaiyo yavanofanira kubhadhara mari yekubhadhara mari. Izvi ndezvokuti zvirongwa zvekurega basa hazviwanzochinja mitemo yevashandi varipo. Kana kuchinja kuri kudiwa, vanowanzoshanda chete kune vashandi vatsva kana vashandi vane uwandu hushoma nehurongwa hwekurega basa.
Kungoita kuti mushandi anosvika pakubhadhara basa rekurega basa hazvirevi kuti mushandi wacho anobva atorega. Ichokwadi, vashomanana vashumiri vehurumende vanosiya basa pavanokodzera. Pane kudaro, vanoramba vachishanda uye saka vanoita kuti vaite basa ravo rekurega basa nekutarisira kuti mari yavo yekubhadhara ichave yakakura nokuti vakamirira kuti vatange kuigamuchira.
Kubhadhara Kwevanobhadhara
Vose varipo, vateresi vanozogadzirisa hurumende vashandi vekubhadhara mari, asi mukutsinhana, vanowana vashandi vevashumiri vehurumende vanoita bhizinesi rehurumende.
Vashandi vehuruzhinji vanopa rubatsiro kumubhadharo wavo sevateresi uye sevashandi vanogadzikana uye vanogara vachikanda mune chikamu chekubhadhara kwavo. Masangano anopawo rubatsiro sevamwe vashandi vega vega vashandisi dzimwe nguva vanoitira vashandi vavo. Mishonga yekusarura inopa mari iyo yekubhadhara vakadzingwa vemazuva ano uye kuvaka zvigaro zvekugara kwenguva refu.