Mmene Mungaphunzitsire Phindu Lanu Loyenera Pensheni Ngati Mukusiya Ntchito
Panali nthawi imene anthu ena sangaganize kusiya ntchito ndi penshoni yowonjezera, koma anthu amasintha ntchito mobwerezabwereza kuposa kale , ndipo mtundu wa zopindulitsa omwe olemba ntchito amapereka zasintha.
Ngati chopereka chabwino chikubwera musanatenge pantchito, ndi kwa inu kusankha chomwe mungachite ndi penshoni yomwe mwapeza.
Kodi Pension Benefit Pension ndi Chiyani?
Pulojekiti yothandiza phindu ndi zomwe anthu ambiri amaganiza monga penshoni yachikhalidwe, yakale yomwe bambo kapena agogo anu anali nawo. Mukudziwa, mtundu umene umatsimikizira ogwira ntchito omwe amakhala ndi kampani kuti azipeza ndalama zambiri panthawi yopuma pantchito.
Ndalama zopindula zapenshoni sizinali zachizoloŵezi masiku ano, zidasinthidwa ndi ndondomeko zowonjezera zopereka, monga 401 (k) s, zomwe zimapereka ndalama zochuluka kwa wogwira ntchito ndipo sizibwera ndi chitsimikizo chilichonse cha ndalama zopezera pantchito .
Zosankha za Pension Mukasiya Ntchito
Kawirikawiri, mutasiya ntchito ndi penshoni yamtundu uwu, muli ndi njira zingapo. Mungasankhe kutenga ndalama ngati ndalama yamakono tsopano, kapena kutenga lonjezo la kubwereka nthawi zonse, omwe amadziwika kuti annuity.
Mwinanso mungathe kulumikizana zonsezi.
Zomwe mumachita ndi ndalama mupenshoni yanu zimadalira zaka zanu ndi zaka zanu zapuma pantchito. Ngati ndinu wachinyamata ndipo muli ndi ndalama zing'onozing'ono, phindu lingakhale losavuta. Kumbukirani kuti malipiro ambiri amalipiritsa ndi osakwanira.
Masiku ano aang'ono ang'onoang'ono akuwoneka ngati ofunika kwambiri m'tsogolomu. Pa zaka 30 mpaka 40, mphamvu yogula ya penshoni yanu ingachepe kwambiri. Ikani nokha, ndipo mutha kubwereranso kwa nthawi yaitali pa ndalama zanu.
Komabe, ngati muli pafupi ndi ntchito yopuma pantchito ndikuyang'ana kupeza ndalama, ndalamazo zingakhale zokopa kwambiri. Simukusowa kudandaula za kugulitsa ndalama zanu panthawi yovuta pantchito yapuma pantchito.
Mwinanso mungakhale ndi thanzi labwino la kampaniyo komanso kuti mutha kukwaniritsa malonjezo ake a penshoni. (Pensheni ndi inshuwalansi ndi boma kudzera mu bungwe la Pension Benefit Guaranty Corporation, koma pamene makampani akupita pansi, antchito ndi akale omwe amagwira ntchito nthawi zambiri sapeza chilichonse chimene analonjezedwa.) Nthawi zina, makampani adzapereka zowonjezera pothandizira okalamba kuti akhalebe ndondomeko yawo.
Zimene Muyenera Kuchita ndi Mapepala Malipiro Omwe Amalipira Penshoni
Ngati mutenga ndalamazo, onetsetsani kuti mutengere ndalama zanu kuchokera ku penshoni yanu ku Accounting Personal Retirement Account (IRA) kuti musapereke msonkho. Ngati kampani yanu ikukulemberani cheke, muli ndi masiku 60 kuti musamalire ndalama mu akaunti yosangalatsidwa ndi msonkho ndalamazo zisanatengedwe.
Pokhapokha ngati mukusowa ndalama, ndibwino kuti musagwiritse ntchito ndalama zanu musanapume pantchito. Sikuti mukungowonongeka pa kukula kwachuma, komabe mudzasowa misonkho pa ndalama kuphatikizapo 10 peresenti yoyamba kuchotsa chilango. Ngati muli ndi katundu wapatali m'ndondomeko yanu, mutha kulipira msonkho waukulu.
Mu bungwe la IRA, ndalama zikhoza kuyendetsedwa m'njira iliyonse yomwe mumasankha. Mutha kutenga ngongole mkati mwa IRA kuti mutenge zina mwazokhazikika zenizeni.
Olamulira ena ogwira ntchito pantchito, kuphatikizapo Vanguard ndi Fidelity Investments, amapereka uphungu ndi zipangizo zamakono zothandizira ogwira ntchito kupanga chisankho pakati pa chaka ndi ndalama. Ndibwino kuti muthamange ndi ochepa mwa iwo musanasankhe zochita. Mukhozanso kulankhulana ndi oyang'anira mapulani kuti mudziwe malingaliro anu malinga ndi zochitika zanu ndi zolinga zanu.
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