Ukuba ukhetha ukuhlawula umvuzo wodwa kuphela kwiplani yakho yempesheni kuthetha ukuba xa usweleka, ingeniso iyayeka. Ukuba utshatile, kwaye nonke nithembele kwingeniso yenkxaso-mali yempesheni, le nto iya kumshiya iqabane lakho kwiimeko zemali ezinzima. Ukuze ugweme le meko, unokufuna ukhetho lokuhlawula umhlala-phantsi womhlalaphantsi.
Uya kufuna ukufunda ngokucophelela ukhetho oluninzi lwezicwangciso zesibonelelo sakho somhlala-phantsi esikubonelelayo kwaye ufumane enye ehambelana neemfuno zakho zezimali ezidibeneyo.
Ngezantsi umzekelo wemizekelo yempilo yenkxaso yomhlala-phantsi yomfazi omnye.
Iisampula zePension Benefit Distribution Choices
Umhlala-phantsi uSara: Uneminyaka engama-62 ubudala oneminyaka engama-30 enkonzo
- Ubomi obungabodwa: i-$ 1,741
- Ama-50% ahlangeneyo kunye noMsindisi: $ 1,560
- I-100% Idibene kunye noMsindisi: $ 1,414
- Ubomi kunye neminyaka eyi-10 ethile: i-$ 1,620
- Lump Sump: $ 256,660
Inkcazo yeZiphumo zoNcedo lwePensheni
Ukuba uSara ukhetha ukhetho olulodwa lomntu uya kufumana i-$ 1,741 yexesha elide xa ehlala. Inzuzo yenyanga yomhlala-phantsi iyakuyeka xa efa, ngoko ke ukuba uhlala unyaka omnye kuphela, akukho mali eyongezelelweyo iya kuhlawulwa. Ukuba uthe watshata, umlingane wakhe akayi kufumana inzuzo .
Ukuba uSara ukhetha u-50% wokukhetha kunye kunye noKhuseleko, uza kufumana i-$ 1,560 ngenyanga, kwaye ekufeni kwakhe, umlingane wakhe uza kufumana i-$ 780 ngenyanga ngethuba nje ehlala.
Ukuba uSara ukhetha ukhetho oluhlangeneyo lwe-100% kunye nolondolozo, yena kunye nomlingane wakhe baya kufumana i-$ 1,414 ngenyanga malunga nantoni na ukuba isaphila. Ngolu khetho, uSara uthatha i-$ 327 ngaphantsi kwenyanga kunokukhethwa komntu omnye. Le mali engama-327 ngenyanga ngenjongo yokunciphisa inzuzo iyayithenga i-inshorensi yomntu kwiqabane lakhe ngoko uya kuqhubeka engenayo imali xa efa.
Ukuthelekisa ezinye iindlela, uSarara wayenokubona ukuba inshurensi yempilo eyi-$ 327 ngenyanga iya kuthenga.
Ukuba uSara ukhetha ubomi kunye neminyaka eyi-10 kwindlela ethile, ukuhlawula i-$ 1,620 ngenyanga kuya kuqinisekiswa ukuba kuya kuhlawulwa ubuncinci kwiminyaka elishumi kwaye yayiza kuqhubeka njengoko uSara ephila. Oku kuthetha ukuba uSara uyadlula emva konyaka owodwa, iintlawulo ziya kuqhubeka nomlingane okanye umxhamli ngomnyaka weshumi njengoko kulandelwa kwintlawulo yokuqala. Ukuba uSara uhlala iminyaka engamashumi amathathu, iintlawulo ziqhubeka ngokuphila kwakhe. USara unokukhetha kwakhona isamba semali eyi-256,660 yee-dollar esikhundleni somnye wokukhethwa kwenyanga.
Ukuphonononga ukuhlawula i-Penitenti yePension Pension kunye ne-Intshurensi yobomi
USara ufuna ukuqiniseka ukuba umlingane wakhe unemali ekufeni kwakhe, ngoko uyazi ukuba akayi kuthatha ukhetho olulodwa lomntu.
Ukuba unempilweni enempilo kwaye engaqiniseki, uSarra unokufuna ukufumana i-inshorensi yobomi ukuthelekisa iindleko zenyanga zokusebenzisa ipensheni ukubonelela inzuzo kumlingane wakhe ngokubhekiselele kwiindleko zokuthenga yakhe inshuwalense yangaphandle. Ndiyabona oku kuphakanyiswa rhoqo ngabameli bezemali abahlawulelwa ukuthengiswa kwemveliso yomshuwalense wobomi.
Nangona ezinye iindleko zokugcina imali zingafumaneka, ukuthenga ngaphandle kwe-inshorensi yobomi kubandakanya ingozi eyongezelelweyo, njengoko iiprayimenti ziyakwazi ukuphoswa ngenxa yokugula, ukuhamba, kunye / okanye ukunyuka kwengqondo enxulumene neminyaka kwaye i-inshorensi yobomi iya kukhanselwa.
Ndikubonile oku kwenzekayo ngobomi benene. Omnye ugule kwaye i-imeyile ibhala. Isaziso senkokhelo yomshuwalense womshuwalense asiyivuleka. Umntu udlula, kwaye ngexesha, i-inshurensi iyadingeka kakhulu ukuba ayisekho. I-inshorensi ekwakhiwe kwi-payout payout iya kunika ukhuseleko olukhulu xa ucinga ingozi efana nokuncipha kwengqondo kunye nokugula.
Ukuba uSara ubheka inshuwalense yezempilo unokufuna ukufumana i-inshorensi yomshuwalense kwi-intanethi, uthetha kwi-inshurensi yomshuwalense, okanye usetyenzise iinkonzo ze-inshurensi yomshuwalense wonyango kuphela, okanye umcebisi wezezimali kuphela. Ukuba uSara ukhetha ukusebenza kunye ne-arhente, kubalulekile ukuba akhumbule ukuba i-arhente ayinakukuhlalutya iinjongo njengoko uya kuhlawulwa kuphela ukuba uSara uthenge i-inshorensi yobomi.
USara uzakufuna ukulinganisela iingxaki kunye neengxaki zokuthatha isamba semali ngokubamba umhlala-phantsi njengempesheni.
USara kufuneka aphinde acinge ngethuba lakhe lokuphila lobomi xa esenza isigqibo sokugqibela. Ukuba umlingane wakhe wayemdala kakhulu kunokuba ixesha lakhe-ukuhlawulwa kwemali ethile kunokuyenza ingqiqo kunokuba umvuzo wokudibanisa ubomi.