Zvikomborero Zvevashandi Zviripo kune Vashandi Vakachengetedza Kubhadhara
Kune nzira dzakawandisa izvo vatengi vanogona kutanga kuchengetedza kwemakore avo ekurega basa.Kubasa vanhu vanoita basa, izvi zvinowanzoreva kushandiswa kwezvirongwa zvekuregererwa kwemapoka ehurumende zvinopiwa nevanoshandira. Mune zviitiko zvizhinji, vashandi vanofananidza chikamu chiduku chema-pre-tax dollars vanoisa kunze kwechinangwa ichi.
Zvikomborero Zvevashandi Zvakagadzirirwa Kuronga Kwekuchengetedza Mari
Kune huwandu hwezvigadzirwa zvemari zvinobatsira vashandi kuchengeta mari yavo uye kuronga kuti vashandire mari.
Mari yakawanda inowanikwa mari inosanganisira Mazano Okurasikirwa Kwemari (IRA), Zvigadziriswa Zvokuchengetedzwa Kwemari uye Mutero Wakachengeterwa Annuity Plans, Yakarongeka Employee Pensions (SEP), Kubatsira-Kugoverana, Zvinyorwa Zvitsanangudzo, Vashandi Vekuchengetwa Kwemabhizimisi Evanhu (ESOP), nezvimwe zvikwereti zvakakosha zvezvirongwa .
Ngatitorei zvakanyanyisa kuronga kwekuchengetedza basa rekuchengeta mari.
Kugadziriswa Kwemunhu Pamwe Chete (IRA)
Parizvino, kune maIRA maviri kune avo vanoshanda zvakakodzera, tsika yeIra neRoth IRA. Zvose zvirongwa zvinobvumira vashandi kuti vasarudze imwe yekare isati yateresi yehurumende yemari yekuwana mubhadharo yekodha yakaremberedzwa. Nhoroondo yeChechi ndeyevashandi kusvika kune makore makumi manomwe nehafu uye Roth ndeyevaya vane makore ose. I IRS inogadza mimwe mitengo yekuti mushandi angabatsire sei chero IRA, zvichienderana nemitemo yakawanda. Vashandi vanogonawo kuenzanisa chikamu kana mari yese yevashandi kuIRA, kusvika kune iyi IRS inogamuchirwa mitemo.
Retirement Savings Plans
Vashandi vekushanda vanogona kubvisa mari yekutora mari yekutora mari. Chirongwa chekurega kuchengetedza mari, chakadai se 401 (k), chinopa vashandi mukana wekupa chikamu chemuhomwe kune imwe nhoroondo, uye vashandi vanogona kupawo zvirongwa zvekuwedzera mari.
Kugoverwa kwema 401 (k) mari, kusanganisira mitsva, inosanganiswa mumutero unobhadhara pamubhedha. Iyi ndeimwe yemhando dzinonyanyozivikanwa dzekusarudzwa kwemabasa ekurasikirwa nokuti inoshandiswa uye iri nyore kutarisira.
Mutero Wakachengeterwa Annuity Plans
Imwe nzira yekuregera kubhadhara mari ndeyeRitatimendi Yakachengetwa Annuity kana 403 (b), iyo yakagadzirirwa zvakakwana vashandi vebasa rehurumende, sevadzidzisi muzvikoro zvehurumende nevashandi vemamwe masangano 501 (c) (3) emitero isina kubhadhara. Vashandi nevashandirwi vanogona kupa chirongwa ichi.
Yakapedzisira Yashanda Pensions (SEP)
Kusiyana nedzimwe mhando dzezvirongwa zvekurega basa, the Simplified Employee Pension (SEP) inoshandiswa nemari yevanoshandira chete. Sangano rinogona kushandiswa nemhando ipi zvayo yekushandira, uye mari inofanira kunge yakaenzana nemari yevashandi vose, inonunurwa kamwechete kamwe pagore remagetsi. Vashandi vane zana kubva muzana kubva kune rimwe zuva.
Profit Sharing
Makambani akawanda anoramba achipa purogiramu-kugoverana mapurogiramu anowedzera zvirongwa zvese zvekuchengetedza mari. Gore roga roga, kana kambani ichiita purofisi, mari iyi inogona kugoverwa mumubhadharo wegore rimwe nerimwe wevashandi vanokodzera, kana kuti yakagoverwa SEP, IRA, kana 401 (k) nhoroondo.
Defined Benefits
Chigadziriswa, chinogadziridzwa mari inobhadharwa inopiwa nevanoshandira kune vashandi vakakodzera pavanenge vachirasikirwa.
Mubhiiyo anoisa chidimbu chezvikamu zvemari yevashandi muakaunti yekuchengetedza, inoshandiswa zvakananga kubhadhara mari. Iyi mari inofanira kuonekwa gore roga roga nemushandi uye inonzi inotora mari. Hazvifaniri kuvhiringidzika nemarongerwo ezvirongwa zvinorondedzerwa, iyo inenge yakatarwa yemari inopiwa nemuchishandiswa kuti ishandiswe kwehutano inshuwarisi uye mari yekurapa.
Vashandi Vemabhizimisi Emagetsi (ESOP)
Panzvimbo pekubhadhara mari, vashandi vanogonawo kupa mari yekubhadhara mari yakadai seH employyee Stock Ownership Plans (ESOP), iyo inobvumira vashandi kutenga kambani yezvikwata pamatengesi ekozvino panguva yakatarwa nguva. Mune zvimwe zviitiko, kambani inogona kupa mvumo yekutengeswa kweimwe yemari yekutengesa kana kutengesa mhando kune yepasi pasi pehuwandu hwevanhu panguva yega yega yega yekuwana chikamu sechikamu chekubhadharisa kubvunzurudza.
Sezvaunotanga kuronga kwemakore ako ekurega basa, zviri pachena kuti pane zvakawanda zvingasarudzwa zvekusiya mari inogona kutsigira mararamiro ako gumi uye kunyange makumi maviri emakore mushure mekunge musamira kushanda. Tarisa newaunoshandira kuti uwane mamwe mashoko pamusoro pemari yekuchengetedza mari iyo inogona kuwanika kwauri.