Ukuqwalaselwa kwezicwangciso ezahlukeneyo kuyasebenza njengoko ukhula
Yobudala 55
Ixesha lokufumana ingqalelo ngokucwangcisa umhlalaphantsi wakho.
Uya kufuna ukuqala ukubeka ndawonye izicwangciso zenkcukacha apho iholo lakho lomhlalaphantsi liza kuvela khona. Esi sicwangciso sempesheni yomhlala phantsi sigqwesileyo sibekwe kwifomati yexesha elifanelekileyo ukwenzela ukuba ubone unyaka ngeminyaka xa iingeniso okanye i-Social Security izoqala. Kunokuba ufune ukutshala imali engcono, cinga ngezicwangciso ezinokukunceda ukwandise iholo lakho lokuphila. Ngokomzekelo, qalisa ukuguqula inxalenye yepotfolio yakho ibe yinqanaba lekhonkco ukwenzela ukuba iiCD okanye iibhondi zihlanganiswe ukukhula kwaye zifanisane nobudala bakho bomhlalaphantsi.
Ukuba uya kutshatyalaliswa kwangaphambili , qiniseka ukuba uhlahlo lwabiwo-mali lwe-inshurensi yezempilo-lunokubiza ukuya kudala iminyaka engama-65 xa i-Medicare iqalisa.
Ukuba udinga imali ngoku, unokukwazi ukufikelela kwi-401 yakho (k) imali engekho isohlwayo xa uhlala umhlala phantsi emva kokufikelela kwiminyaka yakho yokuzalwa yesi-55.
Ubudala 59 ½
Lo ngowokuqala unako ukuqala ukuthatha ukurhoxiswa kwi-IRA yakho kunye nezinye i-akhawunti yomhlala phantsi ngaphandle kokufaka irhafu yentlawulo.
Ezinye iintsapho zinokuzuza ngokuthatha izinto zokurhoxisa kule minyaka kwaye zilibale ukuqala koLondolozo lweNtlalo kuze kube seminyaka engama-70. Ukurhoxiswa kweakhawunti yomhlala-phantsi kuza kubonisa ukubuyela kwerhafu yakho, ngoko ngoku ixesha elifanelekileyo ukuqala ukubheka indlela umvuzo wakho womhlalaphantsi uza irhafu .
Uyakufuna kwakhona ukujonga kwiindleko kunye neenzuzo zomshuwalense wexesha elide unonophelo lokunyamekela iindleko zonyango kwimpilo kamva engayi kugqitywa yi-Medicare okanye i-Medicare Supplement policy.
Qala ukwakhiwa kweemali zokugcina imali xa uneminyaka engamahlanu kwiminyaka yakho yokuthatha umhlalaphantsi . Fumana ingqalelo ngakumbi ngokutyalomali lwakho kwaye uqwalasele umhlangano nomcwangcisi womhlala-phantsi ongakunceda ukuba ubone ukuba uhamba ngendlela yokufumana umhlala-phantsi kwiminyaka embalwa elandelayo.
Yobudala 62
Yilapho unokuqala ukufumana inzuzo yeNtlalo yeNtlalo, kodwa uya kufumana inzuzo enkulu yeNtlalo yoKhuseleko xa ulinda de malunga ne-66 ubudala. Uya kufumana inzuzo enkulu nangakumbi xa ulinda uneminyaka engama-70 ukuqala ukuqokelela. Funda kwiMithetho yoKhuseleko loLuntu njengomlinganiselo wokufumana imali ngaphambi kokuba wenze esi sigqibo sobalulekileyo. Umyinge wokufumana umvuzo unganciphisa inani lakho lenzuzo xa uthatha uxolo lweNtlalontle kwaye uqhubeke usebenza.
Uyakufuna kwakhona ukujonga utshintsho kwiimfuno zakho ze-inshorensi kwaye qinisekisa ukuba unamaxwebhu akho okucwangcisa i-estate order.
Yobudala 65
Ubudala obu-65 ngukuthi i-Medicare iqalisa. Ininzi abantu base- US kufuneka babhalise kwi-Medicare iinyanga ezimbalwa ngaphambi kokuzalwa kwabo kweminyaka engama-65 nokuba ngaba baqeshi okanye bahlala emsebenzini. Icandelo le-coverage yakho ye-Medicare likhululekile ukuba uneminyaka eyaneleyo yomsebenzi e-US, kodwa i- Medicare Part B ayikhululekile. Uya kuhlawula i-premium esekelwe kwi-MAGI yakho (ingeniso epheleleyo echitshiweyo) ukusuka kwiminyaka emibili yokugqibela yentela.
Ukuba ingeniso yakho yangoku iyancinci ngaphezu kwengeniso yakho kwiminyaka emibini edlulileyo, unokucela ukuhla kwe-premium ye-Medicare Part B yakho.
Umdala 70
Njengoko ufikelela kwiminyaka engama-70 nangaphezulu, izicwangciso ezifana nemali-mboleko ye-reverse kunye neempesheni ezikhawulezayo ziba zikhangele ngakumbi. Bangakuvumela ukuba ukwandise ingeniso yakho ngaphandle kokuthatha ingozi kwimarike.
Kwizibini ezininzi, ukulibazisa ukuqala koLondolozo lweNtlalontle ephakamileyo kunabo bonke ukufikelela kwiminyaka engama-70 kwenza kube lula, kodwa akukho nzuzo ekulindeni kude kube yiminyaka engama-70 ubudala.
Yobudala 70 ½
Uyafuneka ukuba uthathe isabelo kwii-IRAs kunye / okanye amanye ama-akhawunti afanelekileyo omhlala phantsi njengama-401 (k) amacebo xa ufikelela kwiminyaka eyi-70 1/2. Ezi ntlawulo ezigunyazisiweyo zibizwa ngokuba yi- distribution minimum efunekayo okanye ii-RMD. Zingenziwa ngenkokhelo okanye ungahambisa izabelo zotyalo-mali.
Inani elilonke lemali elalihanjiswayo liya kufakwa njengeniso engenayo engenayo kwi-tax return yakho. Unako ukuhlawula irhafu ngokuchanekileyo ngqo kwizabelo. Le nto ivame ukuba yingcamango enhle ukuze ungabi mfutshane kwiimali xa ufaka irhafu yakho yentlawulo.
Yobudala 75+
Kubalulekile ukuphonononga izicwangciso ozibeke kuyo yonke imbalwa embalwa. Ukuphononongwa kwangaphambili kukuvumela ukuba ubambe iingxaki ezincinci ngaphambi kokuba zibe yingxaki ezinkulu. Uzakufuna ukucinga ngokugqiba kwezobomi uze uqale ukuxoxa nabo kunye neqabane lakho kunye nosapho olusondeleyo. Kungenokuba nzima ukuqala le ngxoxo, kodwa kubandakanywa nosapho lwakho ekucwangcisweni kwakho into enoxanduva lokuyenza kwaye yenza konke kube lula kubo bonke abo babandakanyekayo.