Ukuqonda ukuhlukana kwiREDUX kunye noMhlalaphantsi woMkhosi
Kukho ngokwenene izicwangciso zomhlala-phantsi ezihlukeneyo ezifumanekayo kumalungu omkhosi osebenzayo wempi. Zizona ziPhakamileyo eziPhakamileyo kunye neenkqubo zeREDUX zomhlalaphantsi.
Nangona amalungu omkhosi aqhelekanga ukuqonda iimpembelelo zokukhetha isicwangciso esinye phezu kwesinye.
Isicwangciso esiPhakamileyo sesithathu sokuHlala koMkhosi
Ngaphantsi kwenkqubo yesigqeba sokuthatha umhlala-phantsi weMveli ePhambili, inkonzo yamalungu afaka inkonzo emva kukaJulayi 31, 1986, afanelekile ukuba afumane umyinge we-50% wempesheni kwiminyaka emithathu ephezulu yokuhlawula isiseko sabo. Unyaka ngamnye ukuba ilungu lezempi lisebenze emva kokuba umlinganiselo weminyaka engama-20 uzuze ukongezwa okongeziweyo kwe-2.5% ukuya kwi-50% yomhlalaphantsi. Ngoko, umzekelo, ukuba ubuya kusebenza eminye iminyaka eyi-10 kwaye uthatha umhlalaphantsi kunye neminyaka engama-30 yomsebenzi wenkonzo osebenzayo kwimikhosi yempi, uya kufumana umhlala-phantsi onamaxabiso angama-75% (iminyaka engama-50% + 2.5% x 10 eyongezelelweyo) hlawula.
Amalungu omkhosi anamalungu amaninzi kwimbuyekezo yawo yonke. Uninzi lwazo iintlawulo zihlawulelwa ngokuhlawula isiseko okanye umvuzo kunye nezibonelelo ezongezelelweyo ezifana nesibonelelo esisiseko sezindlu (BAH) kunye nesibonelelo esisisiseko sokutya okanye ukutya (BAS).
I-BAH ne-BAS ayifakiwe kwiibalo zomhlalaphantsi. Umkhosi kuphela ubala ipenshoni yakhe yomhlalaphantsi kumvuzo wentsapho yomvuzo.
IiREDUX IiNqaku eziPhakamileyo eziPhakamileyo zeMatriki
Xa ilungu lomkhosi lifikelela kumnyaka we-15 wenkonzo, unelungelo lokwamkela ibhonasi yee-30 000 zexesha elilodwa, oko kuyimfuneko ukuba angene kwisicwangciso somhlala-phantsi weREDUX.
Ngaphansi kweREDUX, iSebe lezoKhusela libala umhlala-phantsi welungu lomhlalaphantsi ngenani elincitshisiweyo ye-40% yesiseko sakhe sokuhlawula endaweni ye-50% yemveli kwiminyaka engama-20 yenkonzo.
Ezinye iinkalo zeREDUX icebo lokuthatha umhlala-phantsi liphucula ngokukhawuleza inxephezelo yomhlala-phantsi yomntu wesevisi. Ngokungafani nesiCwangciso esiPhakamileyo seProducti ezintathu, uREDUX ifuna ukuncitshiswa kweendleko zokulungiswa kwezibonelelo zokuhlala. Ngaphantsi kwesiCwangciso seRiphabhliki esiPhakamileyo sesithathu seRussia, urhulumente wenza iindleko zokuguqulwa kokuphila rhoqo ngonyaka ngokuhambelana nokunyuka kwe-Index of Price Index (CPI). Kodwa, ukuba ukhetha ukwamkela isicwangciso somhlala-phantsi weREDUX, indleko yokulungiswa kokuphila zilingana ne-CPI ingaphantsi kwe-1% ngonyaka.
Kutheni iREDUX ingaba yinto engalunganga
Ipesenti ezilishumi zengeniso yakho ukususela ngexesha othabatha umhlalaphantsi (mhlawumbi uneminyaka engama-38 ubudala) de kube sekufeni kwakho kunokuba lukhulu lwemali engenayo. Ukwahlula kwe-10% phakathi kweREDUX kunye nePhakamileyo eziPhakamileyo ezintathu zokuthatha umhlala-phantsi kuya kuba yinto eninzi imali ngaphezu kwebhonasi engama-30,000 eyamkelekileyo nangona ufumene izinga lokubuyisela kwibhonasi.
Ngokomzekelo, i-Sergeant First Class kwi-Army (E-7) ethatha umhlala-phantsi ngo-2013 emva kweminyaka engama-20 yenkonzo emkhosini inokulindela ukufumana i-$ 2,140 ngenyanga ngenyanga ye-pension federal phantsi kwenkqubo yesigqeba sokuthatha umhlala-phantsi (50% umyinge wakhe ophezulu ukufumana iminyaka emithathu-$ 4,281) okanye i-$ 25,680 ngonyaka.
Ngenxa yoko, uya kuzuza imali engama-1,712 ngenyanga okanye i-$ 20,548 ngonyaka xa wayethathe umkhethe weREDUX umhlalaphantsi.
Emva kokuba uthathe i-REDUX iplani yokuthatha umhlala-phantsi iindleko zeenkonzo zenkonzo kule mzekelo nje ngaphezu kwama-5,000 ngonyaka ngonyaka kwiholo elilahlekileyo lomvuzo. Oku kuya kulingana nokulahlekelwa kwemali engama-150,000 engaphezulu kwenkqubo yokuthatha umhlala-phantsi weminyaka engama-30 (iminyaka yobudala engama-38 ukuya kuma-68) kungabandakanywa neendleko zokulungiswa kokuphila. Ezi $ 30,000 ziqala ukubukeka zibiza kakhulu ngoku, akunjalo?
Xa uthatha iREDUX inokukwenza ukuba uqikelele
Nangona ibhonasi engama-30,000 ebudeni belilungu leenkonzo le-15 leminyaka yenkonzo yempi, kukho impendulo enkulu yemali yokwamkela isicwangciso somhlala-phantsi weREDUX. Kodwa, kukho iziganeko ezimbalwa apho ukwamkela umhlalaphantsi oncitshisiwe malunga nesinxeba esincinci kungenza ingqiqo yemali.
Amalungu amaninzi omkhosi amkela isicwangciso somhlala-phantsi weREDUX ngomzamo wokuhlawula ityala eliphezulu.
Okanye, bajamelana neengxowa-mali ezinkulu zeekholeji kubantwana babo abangazange bazisindise ngexesha labo emisebenzi. Okanye, banokufuna ukuqwalasela isamba semali ekutyalomali kwithemba lokwenza u-10% umahluko kwimali engenayo yomhlala-phantsi wonyaka.
Nangona ibhonasi engama-30,000 engama-30,000 edibene ne-REDUX isicwangciso sokuthatha umhlala-phantsi singabonakala njengomoya omuhle kwiminyaka emihlanu ngaphambi kokuba ufikelele kumyinge weminyaka emashumi amabini e-pension, kubalulekile ukuqonda imiphumo ehlala njalo eya kuba nefuthe lakho ngeniso lemali yomhlalaphantsi. Ngokusoloko kunzima ukwenza i-10% engafumanekanga kwimali engenayo kwaye kwakhona i-1% ilahlekelwe ngonyaka ngokunyuka kweendleko ezincinci zokulungiswa kokuphila. Ngokuqhelekileyo akufanelekanga ukufumana inzuzo yesikhashana kwimihlatshelo yexesha elide lokufumana umhlalaphantsi ngexesha leMinyaka yakho yaseGold.
Umbhali weendwendwe uHank Coleman nguMagosa e-United States Army okwangoku ekhonza emsebenzini osebenzayo. I-Hank yinto enqabileyo yokulwa neminyaka engaphezulu kwe-11 kunye neehotele ezimbini zonyaka e-Iraq. Ukongezelela, uHank ubhala ngemali yebodwa kwiblogi yakhe Imali Q & A. Unokulandela uHank kwi-Twitter @HankColeman okanye uhlole i-podcast yakhe "Imali Yakho: Izinketho Zakho" kwi-iTunes.