Utumiki wautumiki ndi umodzi mwa mizere yodalirika ya ntchito yomwe munthu angathe kuchita. Ngakhalenso pamene ntchito ya gulu lonse ikukhudzidwa kwambiri ndi kuchepetsa mphamvu , mabungwe a boma amachita zonse zomwe angathe kuti athandize antchito awo kuti azigwira ntchito. Kuphatikiza pa kukhazikika komwe kumaperekedwa ndi utumiki wothandiza anthu, zopindula zapuma pantchito ndi malo akuluakulu ogulitsa ntchito zatsopano.
Si chinsinsi kuti phindu la ntchito zopuma pantchito za boma lasokonekera m'mbiri yaposachedwapa; Komabe, palinso phindu la mapindu omwewo m'magulu apadera. Zopindulitsa zapuma pantchito sizinali zomwe adakhalapo, komabe iwo akumenyabe padera.
Koma nchiyani chimene chimapangitsa kuti pulogalamu ya boma ipindule kwambiri? Zifukwa zambiri zimapangitsa kuti phindu limeneli likhale chifukwa chake anthu amasankha utumiki wautumiki ndikutsatira. Zitatu zazikuluzikulu zafotokozedwa pansipa.
01 Kupuma pantchito
Malamulo a boma pafupipafupi sakhala akusintha kwa antchito amasiku ano. Kaŵirikaŵiri amamasulidwa kuti asasinthe zomwe zingawapweteke. M'malo mwake, olemba malamulo amavomereza kusintha kwa ogwira ntchito atsopano omwe sadziwa zambiri za malamulo akale motsutsana ndi malamulo atsopano. Ogwira ntchito zamakono amakhala okhutira, ndipo antchito atsopano sakudziwa chomwe chinawagunda.
Izi sizikutanthauza kuti masewera a masewerawa samasintha kwa antchito a boma omwe alipo. Koma kusintha koteroko kumachitika nthawi zina. Akachita, antchito a boma ayenera kuyesa mwamsanga zomwe kusintha kumatanthauza kwa iwo enieni ndiyeno kusintha ndondomeko yawo yosungirako ndalama.
Pokonzekera mwakhama kumayambiriro kwa ntchito zawo, antchito a boma angathe kutsimikiza kuti ndalama zawo zapensheni ndi Social Security zimawapatsa zonse kapena pafupifupi ndalama zonse zomwe angafunike. Mabungwe othawa pantchito ndi Social Security amapereka ndalama zowonongeka mwezi uliwonse, ndipo kusungidwa kwaumwini kumapatsa anthu ogwira ntchito ntchito pakhomo la chitetezo chifukwa cha ndalama zomwe sanazigwiritse ntchito.
Thupi labwino la inshuwalansi
Othaka kwawo mwina sangathe kuzindikira kusiyana. Mwachitsanzo, ngati ogwira ntchito ali ndi inshuwalansi ya zaumoyo ataphimba 100% ndipo banja lawo linaphatikizidwa ndi 50%, izi zikupitilira pantchito. Iwo safunika kudandaula za kutaya inshuwalansi ya umoyo chifukwa alibe abwana. Ndondomeko yopuma pantchito imayambitsa gawo la ndalama zomwe abwana amalipira kale.
Phindu la Moyo
Phindu la moyo uno ndilofunikira pazinthu zothandizira ntchito. Anthu amadziwa zomwe adzalandira mwezi uliwonse kwa moyo wawo wonse. Mabungwe ambiri opuma pantchito amanga-kusintha-ndalama -kusintha-moyo kuti atsimikizire annuities kusunga mphamvu zawo kugula pa nthawi.
Machitidwe ena opuma pantchito ali ndi malo omwe anthu ogwira ntchito pantchito ayenera kusankha malonda pakati pa kuchuluka kwa malipiro a ndalamazo poyerekeza ndi kuchuluka kwa momwe mkazi amalandira ayenera kuchoka pantchito. Pano pali chitsanzo. Ndondomeko ya ntchito yopuma pantchito ndi yoti mkazi yemwe apulumuka adzalandire 50 peresenti ya kuchoka pantchito. Njirayi imapereka mwayi wopeza ndalama kuti apindule kwambiri. Pofuna kuthetsa kuchepa kwa 12.5 peresenti, mkazi amene akupulumukayo amalandira 75 peresenti ya ndalama pambuyo pa imfa yake. Pofuna kuchepetsa 25% pa chaka, dziko lopuma pantchito limapereka ndalama zokwana 100 peresenti ya ndalama zochepa kufikira onse awiri apita.
Ndalama zowonjezera ndi phindu lalikulu kwa antchito a boma. M'dziko lomwe lakhala likufotokozera mapulani a zopereka, ndondomeko yopindula yopindulitsa ndi yofunika kwambiri.