- Bobabini ipensheni kunye noKhuselo loLuntu bafumana inzuzo eqinisekileyo yobomi.
- Izimpesheni zidla ngokukhetha ukuvumela ukuba ufumane umvuzo wakho ngokuqhubekayo; Ukhuseleko lwezeNtlalontle linikeza umvuzo osindayo.
Nangona kunjalo, yilapho ukufana kufana khona. Nangona imithetho yoKhuseleko lweNtlalo ifanayo kumntu wonke, imithetho yepension yenkampani nganye ayifani . Oku kuthetha ukuba abahlala phantsi abahlala phantsi kunye neemeko zemali kunye neentsapho bangenza ukhetho oluhlukileyo malunga nokuba baqalise ipensheni yabo ngokusekelwe kwiphi inkampani abasebenza kuyo.
Ngokomzekelo, ixesha ngalinye ndijonge iindlela zokuthatha umhlalaphantsi kwi-Honeywell abahlala phantsi, andizange ndibone ukubaluleka kokukhawuleza umhla wokuqalisa umhlalaphantsi. Nangona kunjalo nezinye izicwangciso zempesheni zihlaziywa, kukho ubuninzi bexabiso lokuba umhlala-phantsi uthinte ixesha lokuqalisa lomhlala-phantsi nangona baceba ukuhlala phantsi.
Umzekelo wohlalutyo lwePensheni
UDavid uhlala kumashumi ama-60.
Umhlala-phantsi wakhe unika ukhetho oluninzi kunye nemali eyahlukileyo yokuhlawula kuxhomekeke kwiliphi ixesha elikhethayo ukuqala umvuzo wakhe. Nangona uya kuhlala emxhatsheni wama-60, kunokuba luncedo kuye ukuba alinde ukuya ku-65 ukuqala umhlalaphantsi wakhe. Unolondolozo kunye namanye ama-akhawunti angaphantsi komhlala-phantsi angayisebenzisa ukubonelela ngenzuzo yakhe yomhlala-phantsi ukusuka kwiminyaka yobudala engama-60 ukuya kuma-65 ukuba uzimisele ukulibazisa ukuqala komhlalaphantsi wakhe.
Nantsi isishwankathelo sezinto ezimbini zokhetho lomhlala phantsi kaDavide:
- Ubomi obungatshatanga kwiminyaka engama-60: i-19,536 i-year ngonyaka
- Ubomi obungatshatanga kwiminyaka yobudala engama-65: i-$ 34,128
Ngaba kufuneka aqale ipension yakhe kwiminyaka engama-60 okanye engama-65?
Ukuba uDavid ulinde iminyaka emihlanu ukuqala ipensheni yakhe, uya kufumana i-$ 14,592 ngaphezulu ngonyaka. Kodwa uya kulahleka kwi-$ 97,680 (iminyaka emihlanu x $ 19,536 ngonyaka). Ukwenza uhlalutyo olulula kuthatha i-$ 97,680 ehlukaniswe yi-14,592 yeeRandi kwaye ubona ibuyisela i-$ 97,680 yakhe kwiminyaka eyi-6.7, ngonyaka ufikelele kwiminyaka engama-71. Oku kungabhekiselwa kuye njengekhefu-nangona ubudala.
Uhlalutyo olulula, nangona kunjalo, aluqwalaselanga ixesha lexabiso lemali. Ukuba uDavid kufuneka asebenzise i-$ 97,680 yemali yakhe kwiminyaka eyi-60 ukuya kwi-65 ngoko ke akayi kuba nomdla kuloo mali. Ukuba sicinga ukuba uDavide angayifumana i-4% kwimali yakhe, ishukumisa isithuba sakhe-nokuba ngumdala ukuya kuma-73 ubudala.
Ukucinga ukuba uDavid ulinda de kube neminyaka engama-65 ukuqala umhlalaphantsi wakhe, ukuba uhlala kuma-80, umhla wokuqalisa umhlala-phantsi wokubambezeleka kwakhe uza kubeka ngaphezu kweedola ezingama-120 000 xa efaniswa nokuqala umhlala-phantsi kwi-60. (Uhlalutyo lusetyenziswa ukubuyisela u-4% ukugcinwa kunye notyalo-mali.)
Ephakamileyo izinga lokubuyisela uDavid ucinga ukuba unako ukufumana imali ekutsalweni kwakhe, kungenakuncedo ukulibaziseka umhla wokuqalisa umhlala-phantsi.
Ngokomzekelo, ukuba uDavid wacinga ukuba unokufumana i-10% yentlawulo yokubuyisela ekutyeni kwakhe kunye nokutshala imali, ukuphuka kwakhe-nokuba ngumdala kuya ku-82 ubudala.
Qaphela ekucingeni ukuba unokufumana inqanaba eliphezulu lokubuyisela njengoko kufuneka uqwalasele nenqanaba lomngcipheko wokutyalomali olufunekayo ukuze uzame ukufumana ukubuyiswa okuphezulu. Ingeniso ye Pension iqinisekisiwe. Ukuqhathaniswa kweempesheni zomhlala-phantsi kumatyalo-mali awusizo ukuhlalutya kakuhle. Kunzima ukuba kunzima ukuba kufumaneke izinga eliphezulu lokubuya kwiindawo zokutyalomali ezikhuselekileyo .
Ukuba uDavid wayeshadile isahlulo esifanayo-nohlalutyo olwenziweyo lunokusetyenziswa ngokusebenzisa iindlela zempesheni ezibonelela ngenzuzo eqhubekayo kumlingane ohlala naye . Kwimeko apho, ixesha lokuphila ngokubambisana kufuneka liqwalaselwe.
IPensheni nganye ihlukile
Nganye ipensheni inomgaqo wayo ocacisa ukuba ungayifumana phi ixesha elingakanani.
Ndisebenze kunye nabaxhasi abanemali evela kwiinkampani ezingaphezu kweyodwa kunye nomhlalaphantsi omnye sicebisa ukuba baqale izibonelelo ngokukhawuleza; ngelixa omnye umhlalaphantsi sicebisa ukuba balinde iminyaka emihlanu ngaphambi kokuba baqale izibonelelo.
Imirhumo kufuneka iqwalaselwe kwakhona kuhlalutyo lwakho lokugqibela. Ngamanye amaxesha ukulibazisa umhla wokuqalisa umhlalaphantsi wakho kunye nokuthatha i-IRA okanye i-401 (k) ukuhoxiswa kwexesha kwixesha elidlulileyo kunika umphumo werhafu ophuculweyo xa ukhangelwa ngexesha lakho lokuhlala umhlalaphantsi.
Umzimba wakho uvakalelwa xa uqala ukufumana izibonelelo zempesheni kungenakulungile. Uhlalutyo olucokisekileyo kule ndawo lungahlawula. Musa ukuqalisa iintlawulo zempesheni ngaphandle kokuqala ukujonga iinombolo ezikhankanywe ngaphaya kwenani lakho elipheleleyo leminyaka elindelekileyo kumhlalaphantsi.