Yenza izigqibo ezingcono ngokwenza uphando ngexesha lokuphila kwakho
Inkampani yomshuwalense ibhala phantsi phambi kokukhupha iimveliso ezichaphazelekayo. Kungangqiqweni ukuba wenze okubhaliweyo okanye ukuhlalutya kwithuba lakho lokuphila. Unokusebenzisa ixesha lokuphila eliqikelelwa ukuba wenze izigqibo ezingcono kwiindawo ezilandelayo ezintlanu.
1. Xa kuthathwa ukuthatha ukhuseleko loluntu
Ukhuseleko lwezeNtlalo alukwazi imbali yakho yempilo. Ukuba uhlala kwixesha lakho lobomi ngokubhekiselwe kwiibhuleti eziqhelekileyo, nokuba uthatha iNgcaciso yeNhlalakahle kusasa okanye emva kwexesha, uya kufumana inani elifanayo.
Ukwazi ukuhlala kwakho kwexesha lomntu kunokukunceda usebenze inkqubo kwaye wenze ukhetho olungcono ngokuqwalasela imeko zakho.
Ukuba ungatshatanga kwaye ucinga ukuba unokuhlala mfutshane kunomyinge, uthabatha uKhuseleko loLuntu kwi-62 mhlawumbi lucacile kuwe. Ukuba usatshatile, cinga wena okanye lakho iqabane lingaphila ixesha elide kunomyinge, okanye ungatshatanga kwaye unempilweni, uyakufuna ukuqwalasela impembelelo yokubambezeleka kwemali yomhlala-phantsi , eyomeleza iinzuzo zakho ngokukhawuleza ukuba ulinde abaneminyaka engama-70 ukufaka ifayile.
2. Yisiphi iPension Option ukuthatha
Uninzi lwezicwangciso zempesheni zinikeza inkokhelo okanye imali yokuhlawula imali .Ngokukhethwa kwekhefu, ngokuqhelekileyo ukhetha ixesha lokuhlawula; njengobomi bodwa, ubomi obambeneyo, okanye ixesha-ezithile. Ukuba ulindele ukuba uphile ixesha elide kunomyinge, kunye neeplani ezininzi uza kuba ngcono ukuthatha imali yokuhlawula imali kunokuba isisombululo kunye nokukhetha inketho yexesha elikuhlawulelayo (okanye wena kunye neqabane xa utshatile) kufuneka aphile.
Ukuba ucinga ukuba ixesha lokuphila kwakho lifutshane kunomyinge, isamba semali okanye ikhefu elithile lithile lingaba luncedo. Ukuba utshatile uqiniseke ukuba ucinga ngethuba lobomi bomlingane, kwaye qinisekisa ukuba ukhetha ixesha elinokuthi likwazi ukukhulisa umvuzo wakho wentsapho yokuphila. Le nto inokuba yinto ekhethwa yi-100% yenzuzo kumlingane ohlala naye, 75% okanye 50%.
Ukhetho lwakho lunokuba nomthelela omkhulu kumlingane wakho ukuba abe ngumhlolokazi okanye umhlolokazi.
3. Ukuthenga i-Annuity Immediate Annuity
Xa uthengisa i-annuity ngokukhawuleza, ukuhlawula kusekelwe kwithuba elide lokuphila, kungekhona imbali yakho yempilo. Ukuba uhola impilo ephilileyo kwaye uvela kwintsapho ehlala ixesha elide, iimveliso zomshuwalense ezinjenge-annuities okanye i-inshorensi ende iyakwenza unengqiqo enkulu kuwe.
Ukuba usondelene nomhlalaphantsi, kwaye unayo imithombo yemali engenayo ngaphandle kweNtlalo yoKhuselo, jonga ukubeka ezinye iimali kwi- annuity ngokukhawuleza . Ukuba uneminyaka elishumi ukuya kwishumi elinesihlanu kude nokuthatha umhlalaphantsi, unokujonga kwi-annuity echasiweyo eyokuqinisekisa ukuba unomhlala-phantsi kwiminyaka yobudala. Ukuba unenkxalabo malunga neminyaka yakho kamva, ukupaka imali ngemali yomshuwalense wexesha elide unokuqinisekisa ukuba uneminyaka eyi-80 okanye eyi-85 ubudala uya kuba neleyo.
4. Ukhuseleko oluninzi lweMiphumo engavumelekanga
Xa usuhlala ixesha elide, ngakumbi uya kuziva imiphumo yokunyuka kwemali emhlala phantsi kwisitishi segesi, ivenkile kunye neofisi yegqirha. Ukuba ulindele ukuchitha iminyaka engama-40 engamashumi amane kwiminyaka yomhlalaphantsi, ukwakha icebo lokufumana umhlala-phantsi eliza kubakho ukunyuka kwemali kuya kubaluleka kuwe kunomntu oqikelela kuphela iminyaka elishumi elinesihlanu okanye kwiminyaka engamashumi amabini ekuthatha umhlalaphantsi.
Kufuneka ujonge kwakhona kwi -inshorensi yonyango elide . Ubomi obude bukhulu; Kwakhona kuthetha iminyaka emininzi apho unokufuna uncedo malunga nendlu, okanye unonophelo lwempilo. Iinshorensi yexesha elide lononophelo unokunceda ukuhlawula ezi ndleko ngeli xesha.
5. Kutheni ukugcina i-inshorensi yakho yobomi
Ukuba wenza isigqibo ngeempembelelo ezinkulu, ezifana nokuba ukhansele umgaqo-nkqubo we-inshorensi yomntu , unokufuna ukuqwalasela ukuqhuba ingxelo yokuqala yokulinda ubomi. Uninzi lwama-dollar lusemngciphekweni, ngoko nje ngekampani yenkampani yomshuwalense iza kwenza phantsi kwe-inscriber ngaphambi kokukuqinisekisa, kufuneka uqikelele ukwenza okubhalwe phantsi kwakho ngaphambi kokuba wenze ezi ntlobo zezigqibo.
Ezinye izinto
Izibini, ukuba ngaba uneminyaka engama-55 namhlanje, amanani athi kukho ithuba eli-65% elinye lenu liyakwenza libe lidala eli-85 kunye ne-15% ithuba lokuthi omnye wenu uya kubhiyozela usuku lwakho lokuzalwa lwama-95.
Kubaqeshwa abamhlophe beekholeji, iingxaki ziphezulu nakakhulu ukuba uza kuhlala ixesha elide.
Emva kokuba ngamnye uhlakulele iphrofayili yakho yobomi bomntu, qhathanisa amanqaku. Ukuba iziganeko zithi omnye wenu unokuhamba ngokukhawuleza kunomnye, cwangcisa ngokufanelekileyo ngokusebenzisa izi zikhokelo ezilandelayo:
- Qiniseka ukuba uneshuwalense eyaneleyo yobomi.
- Khetha izibonelelo zempesheni okanye iintlawulo ze-annuity eziza kunika ingeniso eyaneleyo kumlingane ngokuhlala ixesha elide.
- Thenga ukunyamekelwa kwexesha elide elibonelela ngeenzuzo ezikwabelwana ngazo phakathi kwakho. Oku kuya kuba kubi kakhulu kunomgaqo ohlukeneyo ngamnye.
- Qinisekisa ukuba ii-akhawunti zibizwa ngokufanelekileyo, kwaye abaxhamli bachongiwe ngokufanelekileyo, ngoko ke iqabane elisindalayo lingathatha kalula ulawulo lwezinto zezimali.
- Ukuba ungumlingane kunye nexesha elincinci lokuphila, kunye nomntu ophethe iimali, qalisa ukwabelana ngemisebenzi ngoku okanye uqinisekise ukuba lakho iqabane lilamano oluhle nomcebisi wezezimali ofanelekileyo .