Ukuba nomhlala-phantsi kulungile ngomhlalaphantsi wakho.
Zombini zichazwe ngezantsi.
Yiyiphi iPensheni
Umhlala-phantsi ngumthombo wenkxaso yomhlala-phantsi eqinisekisiwe enikezelwa ngumqeshi kubasebenzi abaqeqeshelwe ukufumana le ntlawulo. Ukuze ufumane umvuzo wempesheni kufuneka usebenzele inkampani ngenani elifunekayo leminyaka. Umvuzo wakho wempesheni ukwandisa njengoko uqokelela iminyaka eyongezelelweyo yengqesho kunye nalowo mqeshi. Iipenshini nazo zibizwa ngokuba "izicwangciso zokuthatha umhlala-phantsi" njengoko zilungiselelwe ukuchaza intsingiselo yomhlala-phantsi oyifumanayo.
Indlela yokufumana iPensheni
Ukuze ufumane ipenshoni, unokufuna umsebenzi kunye nenkampani okanye iqumrhu elinikezela ngeenzuzo zempesheni kwaye usebenze apho ixesha elide ukufumana ezi zibonelelo. Imisebenzi kaRhulumente, zombini kwinqanaba lephondo kunye nelaseburhulumenteni, inikezela ngeenzuzo zempesheni. Eminye imizekelo iza kuba ngamagosa empi, amapolisa namasebe omlilo. Abaqeshi abakhulu bequmrhu banokubonelela ngeenzuzo zempesheni, kodwa akuqhelekanga njengoko bekuyiminyaka engamashumi amathathu edlulileyo.
Buza umntu oza kuba ngumqeshi ukuba anike umhlalaphantsi kunye nento okumele uyenze ukuze ufaneleke. 401 (k) iinzuzo azifani neempesheni. Ngama-401 (k) kufuneka unikezele imali yakho kwisicwangciso, kwaye umqeshi uya kufakelwa ukuba enze igalelo elifanayo, kunye / okanye inxaxheba yokwabelana ngenzuzo.
Nge-401 (k) isicwangciso, unembopheleleko malunga nezigqibo malunga nemali ngaphakathi kwesi cwangciso. Ukuba umqeshi wakho unika i-401 (k), kodwa ingekho ipension, enye inokusebenzisa yakho 401 (k) imali yokwenza inzuzo yakho yomhlalaphantsi xa uthatha umhlalaphantsi.
Yenza iPensheni Yakho
Ngelo xesha uthatha umhlalaphantsi, ungasebenzisa ukugcina kwakho, njengemali kwisicwangciso se-401 (k) okanye i-IRA, okanye ukulondolozwa okungekho kwisicwangciso somhlala-phantsi, kwaye uthenge i- annuity esheshayo , eya kukuhlawula imali engenayo bakho bonke ubomi. Ngale ndlela, uza kudala ipension yakho.
Ukukhawulwa komhla wokuqala xa uqala inzuzo yakho yeNtlalo-ntle inokuthi ibe yindlela yokwenza umjelo omkhulu wokufumana umhlala-phantsi. Ngokomzekelo, ukuba ungasethatha umhlala-phantsi kuma-66, ungasebenzisa imali yokonga ukuthenga i-annuity eyanikezela ngeniso eliqinisekileyo iminyaka emine, kwaye emva kwe-70 uqale inzuzo yakho yeNtlalo yoKhuseleko, oya kuhlawula isixa esikhulu kwi-70 kunokuba uqale ukuthatha kuma-66.
Izimpesheni kunye nomlingani wakho
Ingaba ufumana ipenshoni ngokusebenzisa umqeshi okanye udale ngokwakho, ukuba utshatile, qwalasela umlingane wakho xa ukhetha ukhetho lomhlalaphantsi. Izimpesheni zinokukhethwa ukuhlawula inzuzo ebomini bakho kuphela, okanye unokukhetha ukhetho oluhlanganyelweyo / olusindayo , oluya kuhlawula umlinganiselo wenyanga ngokukhawuleza ukuba omnye ufanele aphile.