Ndani Akuyang'anira Mapulani a Pulogalamu ya Olemba Ntchito?

M'makampani ambiri, pensions ya ogwira ntchito inatuluka ndi makina okwera pa fax ndi suti zitatu, koma mu boma, ndondomeko za penshoni zidakali zofala. Machitidwe a boma pantchito yopuma pantchito amapereka mgwirizano wathanzi ku Social Security ndi ndalama zaumwini. Zinthu zitatuzi zimapanga malo ogona pantchito .

Choncho, Ndani Akukhazikitsa Mapulani a Ogwira Ntchito a Boma?

Monga momwe ndalama zonse zimagwiritsira ntchito boma, okhomera msonkho amatha kupondereza ndalamazo, koma si okhawo omwe ali ndi "khungu m'maseŵera." Malonda a pantchito sapuma kwa antchito a boma pamene amasiya kusonyeza ntchito.

Ogwira ntchito amapereka gawo la malipiro aliwonse ku ntchito zawo zapuma pantchito , zomwe pambuyo pake pamsewu zimapereka ndalama zowonjezera.

Anthu akamagwira ntchito zapagulu, gawo limodzi la chisankho chovomereza ntchito ndiloti munthuyo akhoza kukhala pamalipiro pokhapokha pothandizira pantchito. The tradeoff ndi wogwira ntchito sayenera kupulumutsa zambiri pantchito kuchoka kwa otsala madola ndalama. Ndiponso, ndalamazo zimagwiritsidwa ntchito mokwanira kapena pang'ono ndi dongosolo lotha pantchito.

Mabungwe a Boma Amapereka

Mabungwe a boma amathandizanso kuti apange penshoni. Mabungwe ambiri amayenera kufanana (kapena pafupifupi kufanana) ndalama zomwe antchito amapereka. Mabungwe akuwona izi monga ndalama zomwe ogwira ntchito amagula mofanana ndi zina zomwe amapindula ndi abwana monga inshuwalansi ya inshuwalansi ndi inshuwaransi ya moyo. Ndalama zofanana ndi zomwe zimagwiritsidwa ntchito payekha ndi abwana amacheza ndi zopereka 401 (k) za antchito.

Zopereka izi zimapatsidwa ndalama zothandizira ndalama zowonjezera ndalama ndikukulitsa nkhokwe za ndalama.

Momwe Ambiri Amakhalira

Antchito onse a boma samalandira ndalama zomwezo. Kawirikawiri, kuchuluka kwa ndalama zomwe amachotsa pantchito kumadalira ntchito ya munthu ameneyo komanso ndalama zambiri. Atumiki a boma omwe ali ndi mautali aatali komanso malipiro apamwamba amathandiza kwambiri palimodzi kuposa ena omwe ali ndi nthawi yayitali komanso malipiro ochepa.

Zaka zimakhalapo pamene chidziwitso chokwanira pantchito ndicho pamene wogwira ntchito angayambe kulandira malipiro. Machitidwe othawa pantchito amatha kulandira udindo wokhazikika pantchito. Chifukwa chakuti dongosolo limodzi liri ndi lamulo pamene zaka ndi zaka za utumiki ziyenera kukhala zofanana kapena zoposa 80, mwachitsanzo, sizikutanthauza ena kugwiritsa ntchito njira yomweyo.

Momwe Kuyenerera Kumatsimikizidwira

Pambuyo antchito atapuma pantchito, amadziwa malamulo oyenerera komanso ndondomeko yowonjezera ndalama zowonjezera. Chifukwa chakuti kachitidwe ka ntchito yopuma pantchito sichimasintha kawirikawiri malamulo omwe alipo ogwira ntchito. Ngati kusintha kuli kofunikira, nthawi zambiri amagwiritsa ntchito antchito atsopano kapena antchito omwe ali ndi nthawi yochepa yokhala ndi ntchito yopuma pantchito.

Chifukwa chakuti wantchito akufika pantchito yokhala pantchito sikutanthauza kuti wogwira ntchitoyo amangotaya ntchito. Ndipotu, antchito ochepa chabe a boma amapuma pantchito pazoyenerera. M'malo mwake, iwo akupitirizabe kugwira ntchito ndipo motero amapereka ku machitidwe awo opuma pantchito ndi kuyembekezera kuti ndalama zawo zowonjezera zidzakhala zazikulu chifukwa adadikira kuti ayambe kulandira.

Mmene Amalipira Amathandizira

Zonsezi, okhoma msonkho amapereka ndalama zothandizira anthu ogwira ntchito pantchito, koma m'malo mwake, amalandira antchito a boma omwe amachita bizinesi ya boma.

Atumiki a boma amapereka mwayi wopuma pantchito monga okhoma msonkho komanso monga ogwira ntchito omwe amawongolera mobwerezabwereza ndikuwombera nthawi zina. Mabungwe amathandizanso kuti apindule ngati antchito omwe amagwira ntchito paokha. Machitidwe othawa pantchito amapereka ndalama zomwe amapereka kuti abwezere ndalama zapuma pantchito komanso akumanga nkhokwe zowonjezereka.