Imihla echaphazelekayo yokuthatha umhlala-phantsi yokuLawula iMali Yakho Imisebenzi Yengqesho
Ngokukhawuleza - yintoni "iminyaka yobudala"?
65, akunjalo?
Ewe, uhlobo.
Kukho ngokwenene imihla yokuzalwa yomhlala-phantsi kunye nemini, enye yeyona nto ibaluleke ngaphezu kwe-65 xa kufikelelwe ekucwangceni nasekulawuleni iimali zemisebenzi yakho. Kungenxa yokuba imithetho emininzi yentlawulo kunye neentlawulo zeNtlalo zixhaswa kwiimpawu zokuziphatha ezahlukileyo. Phawula oku okulandelayo kwikhalenda yakho:
50 - Imilinganiselo ephakamileyo ebizwa ngokuba yi-"catch-up", ifumaneka kwiakhawunti yakho yomhlalaphantsi.
Ukuqala kumatshini wenkulungwane yekhulu leminyaka, unokwenza i-$ 6,500 eyongezelelweyo ngonyaka kwi-401k yakho kunye ne-$ 1,000 eyongezelelweyo kwi-IRA yakho.
55 - Ukuba uthatha umhlalaphantsi kunyaka wekhalenda uvula iminyaka engama-55, unokuqala ukuthatha ukuhoxiswa kwi-401k yomqeshi wangoku ngaphandle kokuhlawula iipesenti ezili-10 zokugweba. Isilumkiso: Roll ukuba i-akhawunti ibe yi-IRA iya kwenza ukuba imali yakho ixhomekeke kwizigwebo zangaphambili zokuhoxiswa kweminye iminyaka emine nesiqingatha.
59 ½ - Ukhululekile ukuthabatha imali ngaphandle kwe- 401k yakho okanye i- IRA yendabuko ngaphandle kwesihlwayo. Nangona kunjalo, le mali ilawulwa yerhafu yengeniso. (I-Roth IRA yokurhoxiswa ayifakwanga irhafu kuba igalelo lakho lenziwe ngeedola zerhafu emva koko.)
62 - Unokuqala ukuthatha uxolo loLuntu, kodwa kukho ezinye iindawo eziphantsi zokuqwalasela. Ukuqala ngoku kuya kunciphisa ngokusisigxina izibonelelo zakho ngama-30 ekhulwini. Yaye ukuba uthetha isigqibo sokuthatha umsebenzi wexeshana, izibonelelo zakho zinokuncitshiswa okanye zinqunywe ngokuxhomekeke kwindleko eninzi eyongezelelweyo oyifumanayo.
65 - Nantsi enye esilindeleyo-enkulu 6-5. Ungasayina kwi-Medicare ezinyangeni ezintathu ngaphambi kokuba uhlawule ngokuzalwa kwakho ngomhla wokusukela kuminyaka engama-65. Lo ngowokufaka ikhalenda. Ukuba awuyi kubhalisa ngexesha, iiprimiyam zakho ziyakususwa ngokusisigxina.
Ukuba uthatha umhlalaphantsi phambi ko-65, i-inshorensi yakho iya kuthengwa nge-Affordable Care Act yokutshintshiselwa kwe-inshurensi, nto leyo ayithethi.
Lindela ukuhlawula malunga ne-800 zamawaka ngenyanga ukwenzela ukuba uhlawule ngokukhawuleza okukhutshwayo kunye neqabane lakho.
66 - Ukuba ungumntwana oMntwana, uya kufinyelela kwiiNtlalo zoKhuseleko kubonwa "iminyaka epheleleyo yomhlalaphantsi" ngelo xesha. Ibhola elidala kunazo zonke iBhoomers ephawula kwiminyaka eyi-66 neye-2. Abo bazalwa ngo-1959 baya kufuneka balinde de kube ngama-66 kunye neenyanga ezili-10. Kodwa kulungele ukulinda njengoko eli lixesha xa unokuqala ukufumana iintlawulo zakho zeNtlalo yeNtlalo. Kwaye ezo zibonelelo aziyi kuba nefuthe xa uthatha isigqibo sokuthatha umsebenzi wexeshana.
67 - Ubudala beminyaka yobudala yomhlala phantsi bukhaba kulabo bazalwa ngo-1960 okanye kamva.
70 - Inzuzo yakho yoKhuselo loLuntu iya kwanda malunga neepesenti eziyi-8 ngamnye nyaka ulibazise ukufikelela kwiminyaka engama-70. Ukuba awuzange uqale ukufumana inzuzo yakho okwangoku, qalisa ngoku.
70 ½ - Kumele uqale ukusasazwa kwi-401k yakho okanye i-IRA yendabuko. Ukuba usabasebenzi kule minyaka, ude ufike ngo-Apreli 1 wonyaka emva kokuba uthathe umhlalaphantsi ukuba uqale ukuthatha imali yakho. Kwaye, awuyi kuphinda ufumane ukuhlawula irhafu ukwenzela ukuba wenze igalelo kwiintlobo zemali.