Ngokuqinisekileyo, unokuthatha umhlalaphantsi ngowama-55, ukuba ulungiselele ezi zinto.
Ubude obude
Ukuba uthatha umhlalaphantsi ku-55, ekufumaneni ukuba uya kuba nexesha elide lokuphila, uya kufuna iimpahla zakho ukuvelisa ingeniso ixesha elide kunomntu othabatha kamva.
Kuthetha ukuba ufuna ukuhlakulela ukuchongwa okuchanekileyo kwento ocinga ukuba uya kuyichitha unyaka ngamnye. Emva koko unokuthelekisa loo mithombo yemali engenayo yomhlalaphantsi ocinga ukuba uya kuba nayo.
Ukhuseleko lwezeNtlalo aluyi kuqalisa ukufikelela kwiminyaka emashumi mathandathu anesibini, ekuqaleni, kwaye kukho izigwebo kunye nokuthintela ekufikeleleni kwimali ye-akhawunti yomhlala phantsi ngaphambi kweminyaka engamashumi amahlanu anesithoba nesigamu. Kuthetha ukuba uthatha umhlalaphantsi kwiminyaka engamashumi amahlanu anesihlanu, kuya kufuneka ukuba ube neminye imithombo ongayibamba kuyo, ubuncinane kwiminyaka embalwa. Enye inketho: unokucinga ukuba usebenzisa iikholeji ezingama-72 (t) zokurhoxisa kwi-IRA kwasebuncinaneni .
Kwaye nangona unokuqala ukuKhuseleko loLuntu kwi-62, zikho izizathu ezininzi onokucinga ngazo isicwangciso soKhuseleko soLuntu oluye lwaqala iintlawulo kwixesha elizayo.
Iindleko zonyango lwezeMpilo
Gcinga ezingqondweni; Ukukhutshwa kweMedareza akuyi kuqala de kube ngamashumi mathandathu anesihlanu. Ukuba uceba ukuthatha umhlala-phantsi kwi-55, qiniseka ukuba uya kuba nomthombo okhuselekileyo we-inshorensi yezempilo oya kunikezela uze uvumeleke kwi-Medicare.
Ngenxa yoMthetho woNonophelo ongenakunqwenelekayo, uqinisekisiwe ukuba uyakwazi ukufumana ingqalelo ngaphandle kwemeko ekhoyo ngaphambili. Awukwazi ukulinganiswa nayiphi na imimiselo yempilo onayo, kodwa nangona kunjalo, ukufihla phakathi kweminyaka yobudala engama-55 no-65 kungabiza, kwixabiso elilinganiselwa kuma-400 ukuya ku-1 000 ngenyanga ngenyanga kuxhomekeke kuhlobo lwesicwangciso owukhethayo.
Ukuba ufumaneke ngempilo yakho njengamanje ngokusebenzisa umqeshi wakho, bahlala bencedisa i-75% okanye ngaphezulu kweendleko. Abaninzi abasuka ekuphumleni-ithemba banokutshatyalaliswa kwindleko yokuthenga abo. Into enokuyenza ungayilungiselela, okanye ucinge ngomsebenzi wesikhathi-nkonzo obonelela ngomshuwalense wezempilo.
Ukuzalisa ixesha lakho
Izandi zeeholide ezongezelelweyo zihle, kodwa abanye bafumana amava akwenzi ukuzaliseka njengoko babecinga ukuba kuya kuba. Xa ucinga malunga nokuthatha umhlalaphantsi kwangaphambili, cingisisa malunga noko ufuna ukukwenza ngexesha lakho nemali yakho.
Ngokomzekelo, ukuba unomsebenzi onokuzilibazisa, uza kufuna ukucinga ukuba iindleko ezongezelelweyo xa ufumanisa ukuba uninzi lwemali oyifunayo iminyaka emininzi yomhlalaphantsi.
Ukuba awukho uhlobo lokuzonwabisa, ungacinga ukuqala ishishini elincinci. Ngokutsho kwe-Kauffman Index, ngo-2014 malunga ne-1/4 yazo zonke i-startups yabanomashishini abaneminyaka yobudala engama-55 ukuya kwe-65.
Unokusebenzisa kwakhona amava akho ngaphambi kokuba uqale ibhizinisi lokubonisana okanye ubenze umdlalo wangaphambili kwimisebenzi yokwenza imali.
Mhlawumbi awuyi kusebenza, kodwa kunoko ufuna ukuzivolontiya, okanye uncede ukhulise abazukulu. Kungakhathaliseki ukuba kukuphi, kufuneka ufumane izinto ojonge phambili okanye umhlala phantsi aziyi kuvuyisa kakhulu.
Ukuba uthatha isigqibo sokuthatha umhlala-phantsi kwi-55 akajongi ukuba uyayifumana ngokwenene, cinga ukuhambisa iminyaka yakho yokuhlala umhlalaphantsi ukuya ku-62. Kwabaninzi, oku kuya kuphumelela ngakumbi.