Ngokujonga zonke iinketho zakho, unokufumana iindlela zokuphucula izibonelelo.
Unokuthatha amanyathelo azakunyusa inani loKhuseleko loLuntu oya kufumana. Akunakuze kube yinto efunekayo ukuyithatha ngaso sonke isikhathi, kodwa njengeNtlalo-ntle inikezela ngeniso eqinisekileyo eya kunyuka kunye nokunyuka kwamaxabiso, nokuba ukwanda kancinci kwintlawulo yakho yokuqala kuya kubangela inzuzo enkulu ngokubanzi ngonyaka ngamnye kumhlalaphantsi wakho. Nazi iindlela ezine onokukwazi ukuphucula izibonelelo zakho.
Ukulungelelanisa Nomfazi Wakho, okanye Ibango kuMntu Osebenza Ngaphandle
Ukuba utshatile, wena kunye neqabane lakho kufuneka nibheke isigqibo sakho seNtlalo yoKhuseleko njengeqela. Xa unomnye ulinde kuze kube ngu-70 ukuqala izibonelelo onokunyusa ulondolozo olukhoyo. Kwaye ukuba omnye uneminyaka engama-62 ubudala okanye ngaphambi koJanuwari 1, 2016, ngoko unako ukusebenzisa isicwangciso sokufowunelwa esibizwa ngokuba ngumsebenzi onqandekileyo ukuqokelela iintlawulo zomtshato iminyaka embalwa, kwaye uya kutshintsha imali yakho kwinzuzo yakho ufikelela kuma-70. Izibini ezitshatileyo ezidibanisa ukhuseleko lwazo lweNtlalontle zifuna ukhetho oluninzi luya kufumana inzuzo ngakumbi kunezo ezingenayo.
Ukuba awusatshatanga, kodwa ubekho ngaphambili (ubuncinane ubuncinane kwiminyaka elishumi) unako ukukwazi ukufakela izibonelelo zomtshato kwaye uvumeleke ukuba umhlolokazi / umhlolokazi azuze ukuba ufile wakho. Abaninzi abaqhawule umtshato abaqapheli ngeenzuzo zabo ngokusekelwe kwirekhodi yengeniso yomlingane wangaphambili.
Hlola zonke izinto ozikhethayo ukwenzela ukuba unokubango ngendlela ekwazisa kakhulu ixesha lokuphila kwakho.
Qiniseka ukuba Uneminyaka engama-35 yomlando wezeMisebenzi
Ukhuseleko lwezeNtlalo lusetyenziswa kwiminyaka engamashumi amathathu anesihlanu yembali yomsebenzi ukubala oko kubizwa ngokuba ngu-average average indexed monthly earnings (AIME). Le nombolo isetyenziselwa ukuchonga inzuzo yakho yokugqibela yomhlala-phantsi.
Njengoko lo kubalwa kusekelwe kumyinge ukuba unayo i-zero njengenye yeenombolo, iya kutsala umgangatho wezantsi. Ukwandisa iinzuzo zakho zoKhuselo lweNtlalo qiniseka ukuba uneminyaka engama-35 yembali yomsebenzi.
Sebenzisa iiRredredredredredredredredredred Credits
Ufuna ukwandisa iholo lakho lomhlala-phantsi lomhlalaphantsi ngo-25% okanye ngaphezulu? Lindela ukufaka izicelo kwiinsuku ezingama-70, kwaye uya kuqokelela izikripthi zokuthatha umhlala-phantsi. Ezi zikhredithi ziyasebenza ngenxa yokuba ufikelele kwixesha elipheleleyo lomhlalaphantsi (FRA), izibonelelo zakho azikhupheli. I-FRA imiselwe ngomhla wokuzalwa kwakho. Uneminyaka engama-67 kumntu ozelwe ngowama-1960 okanye kamva kwaye uncinci kulabo bazalwa ngaphambi kowe-1960. Ngonyaka ngamnye emva kwe-FRA ukulibazisa ukuthatha inzuzo, uya kuqokelela ukwanda okusisigxina kwiintlawulo zakho ezi-5-8% ngonyaka. Akukho nzuzo yokulinda iminyaka engama-70 ukuya kufayile njengoko ezi zinyuka aziqhubeki phambili kuloo nqaku, kodwa zisebenza kuze kube ngoko.
Max Out Revenue
Akumangalisi ukuba i-earnings yakho ephakamileyo, inzuzo yakho enkulu yomhlalaphantsi iya kuba, ukuya kwinqanaba. Imali engaphezulu komda wonyaka ($ 127,200 ngo-2017 kwaye ihlawulwe kwi-inflation ngonyaka) ayiqwalaselwe ekubaleni kwakho inzuzo. Ukuba ungaphantsi komda, fumana iindlela zokutshala imali kwi-career yakho kwaye ufumane ngaphezulu.
Oku kuya kuba neenzuzo ezininzi ezintle, enye yazo iya kuba yonyusa inani loKhuseleko loLuntu oya kufumana.
Ukwenza iMathe
Kukho amaninzi amanqaku okubala asekuhlaleni okukhuselekileyo okukhuselekileyo ekukhuseleni amanani kunye neprojekthi zakho zexesha elizayo. Ungayisebenzisa ukuze ubone indlela ukhetho oluhlukileyo lunokuchaphazela ngayo umrhumo wakho wenzuzo. Njengoko usondela kufuphi nomhlalaphantsi, uya kufuna ukufaka isixa sakho semali kwisicwangciso sokufumana umhlala-phantsi esiquka i-asethi yakho, iindleko kunye neminye imithombo yengeniso ukwenzela ukuba ufumane umfanekiso omhle wokuba imali yakho yomhlalaphantsi iya kubonakala.