Ngakhale kuti antchito onse a boma ayenera kusunga chinsalu cha katatu cha boma pantchito yopuma pantchito , chitsimikizo chachikulu cha ndalama zopuma pantchito kwa antchito ambiri a boma ndizo ndalama zomwe zimaperekedwa ndi ntchito zawo zapuma pantchito .
Kuwerengera kwa malipiro a annuity kumakhudza kwambiri pamene wogwira ntchito angakwanitse kuchoka pantchito ndi mtundu wotani wa ntchito yomwe wogwira ntchitoyo azikhala pa ntchito yopuma pantchito.
Ndi anthu ochepa okha amene angakwanitse kupuma pantchito yawo pa nthawi yogwira ntchito. Izi zikutanthawuza kuti ogwira ntchito amagwira ntchito mopitirira pantchito yawo yokhazikika pantchito ndikukhazikitsa maziko awo enieni othawa pantchito pa kuchuluka kwa malipiro awo a pachaka.
Zosiyana ziwiri ndi Mmodzi Wodziwika
Muzinthu zambiri za boma, ntchito ziwiri zimayesa kuchuluka kwa ndalama zomwe antchito angapereke: malipiro a ogwira ntchito ndi zaka za ntchito. Ngakhale ukalamba ndi chinthu chofunika kwambiri kuti udziwe zoyenera kulandira pantchito, sizimagwiritsidwa ntchito nthawi zambiri popanga malipiro a ndalama.
Machitidwe othawa pantchito akufunikira nambala imodzi ya malipiro kuti agulire njira zawo pofuna kudziwitsa antchito pantchito yopuma pantchito. Amagwiritsa ntchito malipiro omwe antchito amapeza muzaka zawo zochepa kwambiri. Mabungwe ambiri amagwiritsira ntchito pakati pa zaka zitatu ndi zisanu mu chiwerengero ichi.
Amawerengera malipiro kuti apeze nambala imodzi ya malipiro.
Mwachitsanzo, dongosolo lotha pantchito limapereka malipiro a antchito pa zaka zitatu zapamwamba kwambiri za ogwira ntchito. Wogwira ntchito amalandira $ 61,000, $ 62,000, ndi $ 66,000 m'zaka zitatu zapamwamba kwambiri. Nambala zitatuzi zikuwerengedwa kuti adziwe malipiro a wogwira ntchitoyo pokhudzana ndi kuchoka pantchito.
Cholinga chowerengera ndalama za pantchito ya pantchitoyi, malipiro a antchito ndi $ 63,000:
($ 61,000 + $ 62,000 + $ 66,000) / 3 = $ 63,000
Zaka zambiri za ntchito ndizosavuta kudziwa kusiyana ndi nambala imodzi ya malipiro. Nambala iyi ndi nthawi yokha yomwe wogwira ntchito amathandizira pulogalamu yopuma pantchito. Aliyense amalipira nthawi imene wogwira ntchitoyo amapereka ntchito yopuma pantchito amapereka ntchito yothandizira ngongole yomwe imakhala yofanana ndi nthawi yake.
Pali chinthu china chomwe chimawerengedwa pa chiwerengero cha malipiro. Ndiyiyi yomwe ikugwiritsidwa ntchito pofotokozera kuti muyeso imanena kuti kuchuluka kwa malipiro owerengetsera ndalama akuwonetseratu mu chaka cha utumiki. Uku ndiko kufotokozera kwautali komanso mwinamwake kusokoneza, koma ndizomveka mu chitsanzo.
Pogwiritsa ntchito malipiro a $ 63,000 mu chitsanzo chathu pamwambapa, tiyeni tinene wogwira ntchitoyo ali ndi zaka 30 zothandizira pulogalamu yopuma pantchito. Tiyeneranso kunena kuti chaka chilichonse cha ntchito ndi wogwira ntchito amalandira 2.0% ya nambala ya malipiro. Pano pali chiwerengero chomwe chikufotokozedwa monga chiwerengero cha masamu:
Zopindulitsa X Zambiri X Peresenti = Zowonjezera
Pano pali chitsanzo chathu chomwe chikugwiritsidwa ntchito pazimenezo:
$ 63,000 X 30 X 2.0% = $ 37,800
Wogwira ntchitoyu ankazoloŵera kupeza ndalama zokwana madola 63,000 pachaka, koma tsopano, wogwira ntchitoyi amalandira ndalama zambiri za boma.
Ndalama zokwana madola 37,800 zimalipidwa pamtundu uliwonse wa $ 3,150. Tikukhulupirira kuti wogwira ntchitoyo ali ndi ndalama zokwanira zothandizira pantchito komanso ndalama zothandizira anthu kuti athe kuchepetsa.
Tsopano, tiyeni tigwire kuti wogwira ntchito yemweyo amagwira ntchito zaka 40 m'malo mopuma pantchito 30. Apa pali chiwerengero chatsopano:
$ 63,000 X 40 X 2.0% = $ 50,400
Pochedwa kuchepetsa ntchito pantchito kwa zaka 10, wogwira ntchito mu chitsanzo ichi akuwonjezera ndalama zake zopuma pantchito ndi $ 12,600 pachaka. Izi zikutanthawuza ku $ 1,050 yowonjezera pamwezi; Komabe, wogwira ntchitoyo amapereka ndalama pulogalamu yopuma pantchito kwa zaka zina 10 pamene akusiya malipiro aliwonse kwa zaka 10.
COLAs
Kuchotsa pantchito annuities ndipadera ndalama mitsinje. Pogwiritsa ntchito zovuta zachilendo, ndalamazo zimakhala ngati wogwira ntchitoyo ali ndi ufulu wopuma pantchito. Annuities akhoza kuwonjezeka ndi kusintha mtengo kwa moyo .
Machitidwe opuma pantchito amapereka COLA mwa njira imodzi. Njira yoyamba ndiyomwe dongosolo limaperekera molondola ma COLAs pogwiritsa ntchito deta zolinga monga Index ya Mtengo wa Ogulitsa pa tsiku lokonzedweratu. Njira yina ndiyobungwe lolamulira lapuma pantchito kapena kuyang'anira bungwe lokhazikitsa malamulo kuti apereke COLA mwa voti. Pamene a COLA amatsatila ndale, zofunikirako zimakhala zochokera pazinthu zenizeni koma zingasinthidwe kudzera mu ndondomeko ya malamulo.