Iimigangatho eziqhelekileyo zomhlalaphantsi omele wazi

Ingxowa yomhlala phantsi ingadideka. Uphi uhlalutyo lwe-actuarial okanye i-schedule setting? Ukongeza kwidideko, la magama ahlala eneengcinga ezahlukeneyo ngaphakathi nangaphandle kwendawo yomhlalaphantsi.

Imibuzo ehlala ibuzwa rhoqo ebandakanya impilo yokuhamba kwimihla ngemihla ehambelana nale migqaliselo ye-10 yomhlalaphantsi. Ukufunda nganye kwezi zihloko zemali ezisetyenziswa ngokuqhelekileyo kufuneka kukuncedise ukudideka kwakho kwaye wenze ukuhamba kwakho ngokucwangcisa umhlala-phantsi kuthatyathwe lula.

Imigomo Okumele Uyazi

1. Izinzuzo ezithengiweyo: Ezi zezibonelelo eziye zafunyanwa kodwa akukahlawulwa kuwe okwamanje.
2. Uhlalutyo lwengxelo: Ii-actuaries are practitioners who measure and manage the risk. Bahlalutya iinkcukacha ukuba bancede benze iziprofeto ezifundisiweyo malunga neziganeko ezizayo kwaye bahlala bebandakanyeka ngokuthatha umhlalaphantsi kunye nokucwangciswa kwe-inshorensi. Uhlalutyo lwe-actuarial uviwo lo mngcipheko.
3. Ubudala bomhlala-phantsi: Iminyaka yobudala yomhlalaphantsi inokuba yintoni na xa ufuna ukuba ibe, ngokusekelwe kwiimfuno zakho kunye nokufunayo kwikamva lakho lomhlala-phantsi. Nangona kunjalo, ngokumalunga nokufaneleka kweeNtlalontle zeNtlalo, unyaka onokuthi unokubango inzuzo epheleleyo uneminyaka engama-66. Unokufumana ilungelo lokufumana uxanduva loKhuselo loLuntu kwi-62 ubudala, kodwa ukwenza oko kuphumela ekunciphiseni inzuzo yakho yonke 25 ekhulwini. A
4. Ukuhlawula imali: Ukusetyenziswa kwenyanga kunika imali ehleliweyo ehlawulwa inyanga nganye okanye ngonyaka malunga nobude bexesha elide, ngokuqhelekileyo ubomi bomntu wonke. Oku kusetyenziswa ngokutyalomali , umhlala-phantsi, okanye i-inshorensi ehlawula uluhlu lweentlawulo, njengoko kucaciswe ngexesha lokudalwa kwemali.

1. Umxhamli : Umxhamli ngumntu okanye inhlangano (njengokholo) okhetha ukuyidlulisela kunye nefa lakho ukuba uyadlula. Abaxhamli beSibini, okanye abaxhamli-mali, basebenzisiweyo ukuba ngaba umcebisi wokuqala angayi kubakho, walahla ilifa, okanye sele sele efile.
2. Ixesha elimnyama: Xa kukho utshintsho olukhulu olufunekayo lwenziwa kwiplani entsha okanye ekhoyo, ixesha elimnyama liya kwenzeka. Ngokuqhelekileyo, la maxesha omnyama avala imali ngaphakathi kwiplani yeentsuku ezi-3-60. Ukongezelela, utshintsho kwiindlela zokutshala imali okanye utshintsho kwi-akhawunti nayiphi na indlela ayivumelekanga ngeli xesha lokukhutshwa. A

1. Inzala: Inzala ibalwa kwintlawulo yesibini kunye nenoma yintoni inzuzo ezuzwayo. Iyindlela ekhethiweyo yokuba inzala ibalwe, njengokuba inzala elula isekelwe kwisamba semimiselo kwaye ingayinaki umdla.
2. I-Rollover: I-rollover iyenzeka xa uhambisa imali ye-retratirement kwi-akhawunti enye ukuya kwenye, njengokuba uza kwenza xa ususa imali kwisicwangciso somhlala-phantsi somqeshi wangaphambili kwisicwangciso somhlala-phantsi somqeshi. Enye imeko efuna ukuba i-rollover ukuba ngaba uhambisa imali ukusuka kwisicwangciso somqeshi kwi-akhawunti yomhlala phantsi (IRA) okanye ngokulandelelana.
3. Ithemba: Eli liziko elisemthethweni, ngokuqhelekileyo ifomu eyenziwa ngegqwetha, okwenza ukwazi ukucacisa ukuba iifayili zakho ziya kuhanjiswa njani xa udlula.
4. Ishedyuli yokuThengisa : Yilapho umqeshwa "efumana" iphesenti ephakamileyo yenkxaso yomqeshi kunye nokwandiswa kwiminyaka abaye bayisebenzela inkampani yabo. Ngokomzekelo, emva konyaka wokuqala wenkonzo, banokufumana ama-20 ekhulwini lomrhumo womqeshi. Emva kweminyaka emibini, banokufumana ama-40 ekhulwini lomnikelo. Eli phesenti liza kunyuka lize lide lide "umvuzo" ngumsebenzi "uzuze" iipesenti eziyi-100 zeminikelo eyenziweyo kwi-akhawunti yabo ngumqeshi wabo.

Ngoku ukuba ufunde okungakumbi malunga nemigaqo kuleluhlu, uya kuthemba ukuba uya kukwazi ukuqala ukulungiselela (ukuba awukho kakade) ebomini emva komhlalaphantsi. Ukuqonda le ngqiqo yezemali kuya kukunceda ucwangciso lwakho kwaye kukuncede uqhagamshelane kakuhle nomqeshi okanye umcebisi oye wafuna uncedo.

Ngaphantsi

Ungavumeli ukudideka kwala magama kukudambise ekubeni ungene kwisimo sokucwangcisa umhlalaphantsi kwaye ufumane umhlalaphantsi wakho kumzila okanye uqalise. Ukucwangcisa umhlala-phantsi ubuchule obuphambili bokuphila ukuba ujonge ukuba ufuna ukuba ngumphathi wakho weMali ukuze uqinisekise ukuba wenze uphando lwakho! Ukufunda okungakumbi malunga neentlobo zezicwangciso zomhlala-phantsi, ii-FAQ eziqhelekileyo, kunye nabahlalutyi bemhlalaphantsi bavakashele i-PowerOverLife.