Social Security
Wakawanda, asi kwete vose, vashandi vehurumende vanopa rubatsiro kune Social Security. Izvi zvakakosha nekuti avo vasingabatsiri mune zvekuchengetedzwa kwehupfumi havaregi mari pamubhedha kana kubviswa.
Vashandi vehurumende vasingabatsiri vanofanira kuva nechokwadi chokuti mamwe makumbo maviri echigaro akasimba.
Social Security ndiyo yebhokisi rezvematongerwe enyika pahurumende. Vanyori vezvematongerwo enyika vanoziva kusarudzwa kusina kunaka kunofanirwa kuendeswa mberi kwehutano hwe solvency, asi hapana anoda kutora zvematongerwe enyika kuderedza mari kana kuwedzera michero. Uyu mugumbo wechigaro unonyanya kunetseka kuti uchinetseke nekuda kwematongerwe enyika akaupoteredza.
Social Security neyo pachayo haizosimbisi mararamiro ayo anowiridzirwa achiwana kurarama. Uyu gumbo rinofanira kutakura sezvishoma zvishoma.
Retirement Plans
Zvirongwa zvekurega basa hazvisi izvo zvavaimbova. Vanyori vezvematongerwe enyika vakashandisa vashandi vehurumende uye kubhadhara kwavo kubhadhara sezvipi zvepapegoats zvekunze kwekutonga huwandu hwemari. Domind pork barrel kushandiswa uye hurongwa hwekubatsira hurumende. Vashandi chikamu chikuru chebhadharo yesangano chero ripi zvaro, uye kugoverana nevashandi nokuda kweizvi ndeye muurayi anonyadzisa.
Kutsika kwezvematongerwo enyika kwakave kwakabatanidzwa pamabhadharo emitemo . Batsiro dzakaderera apo mari dzinotorwa nevashandi dzakasimuka. Kunyange zvazvo sangano rega rega risingafaniri kutarisana nevematongerwe enyika vachikuvadza kubhadhara mari yavo, vashandi vega vega vakaonawo kubhadhara kwavo kubhadhara kunopera.
Mune mapato ose maviri, zvirongwa zvekurega basa 'kugadzikana hazvisisiri izvo zvavaimboita.
Vazhinji vashandi vehurumende vanobatsirana kuHome Employees Retirement System . Iri sangano rine zvigaro zvaro zvitatu zveSocial Security, mari yekubhadhara mari uye chirongwa chekuchengetedza pachake chinonzi Thrift Savings Plan . Vashandi vehurumende vasingabatsiri kuFERS vanobatisa kuChristi Service Retirement System iyo inongova gore rimwe chete. Kune zvose zviripo, iyo annuities inotsanangurwa zvirongwa zvekubatsira.
Hurumende uye hurumende dzenharaunda dzine maitiro avanoita basa rekurega basa zvinowanzotsanangura zvirongwa zvekubatsira zvinoda kuti vashandi vabatanidzwe. Vakawanda vane zvigadziro zvekuchengetedza pachedu zvakadai se 401 (k) uye IRA, asi izvozvi zvisingabvumirwi kusungirwa.
Kuponesa kwega
Sezvambotaurwa, mamwe maitiro ekurasikirwa ane zvingasarudzwa kana zvinoda kuti munhu awane mari. Hurumende yeHerald's Thrift Savings Plan inomiririra kune imwe nzvimbo. Masangano anopa chikamu chakaenzana nechikamu chemari yomushandi. Mushandi anogona kupa zvakawanda. Mupiro unokurudzira kuburikidza nekuenzanisa zvipo kusvika kune imwe nzvimbo zvinoreva masangano achaenzanisa kana kuti aenzanise izvo vashandi vanozvipa zvekuda kwavo.
Apo magetsi ekuchengetedza ega asina maitiro akafananidzwa, vashandi vehurumende havana chikonzero chekushandisa hurongwa hwehupfumi hwezvemari panzvimbo pane izvo zvinopiwa nemakambani ekutsvaga mari. Kufanana nezvimwe zvirongwa zvakawanda zvehurumende zvinotsigirwa nehurumende, Hurongwa hweTrift Savings hunotipa zvishoma zvingasarudzwa zvekutsvaga . Mamwe makambani ekutsvaga kwekutsvaga ane zvakawanda zvekusarudza
Hazvina mhosva kuti vashandi vehurumende vanosarudza kuchengetedza sei basa rekurega basa, chinhu chinokosha ndechokuti ivo vanochengetedza. Mazuva ekuvimba neSocial Security uye mari yepensheni yakapera nguva refu.
Kuramba Wakadzikama
Sezvo chifananidzo chechigaro chinoratidza, gumbo rimwe nerimwe rechigaro rinokosha. Vashandi vehurumende vanofanirwa kubhadhara kune rimwe nerimwe gumbo uye vanovimbisa kuti rinoramba rakagadzikana. Zvekuchengetedzwa Kwemagariro uye zvirongwa zvekurega basa zviri kunyanya kunze kwekushanda kwevashandi, saka vashandi venzvimbo vanogona kuita mutsauko mukuru mukugara kwenguva refu ndeye kuchengetedza kwega.
Vashandi vehurumende vachitsvaka kuwedzera mari yavo yekuchengetedza basa vanofanira kubvunza mazano kuvaridzi kuburikidza nehurongwa hwavo hwekurega basa kana kuburikidza nemakambani ekutsvaga mari. Zvimwe zvirongwa zvekurasikirwa zvinoronga pamwe nevadzidzisi vezvemari vari voga vanoshandira mitengo yakaderera uye vane ruzivo rwekushanda nevashandi vehurumende.