Amazwe oManyeneyo aphakathi kwe-14 kwiNkcazo yeRhafu yeNhlalakahle
Njani iMelika ixakeke kuloluhlalutyo? I-United States ine-14 kwi-GRI ka-2016, oko kuthetha ukuba sinokuningi esinokukufunda kumazwe angama-13 apho umhlala-phantsi okhululekile ufezeke lula.
Amazwe aphezulu angama-10 ayenayo eNorway, eSwitzerland, e-Iceland, eNew Zealand, eSweden, e-Australia, eJamani, e-Netherlands, e-Austria naseCanada.
Masibambe kule sifundo kwaye sijonge kwiindawo ezine eziphambili ezilinganiselwe: iimali ngokuthatha umhlalaphantsi, inhlalakahle yempilo, impilo kunye nomgangatho wobomi.
Imali kwiRhafu
Kwimali yezemali, iMelika ibeka inani le-10. Akulunganga, kodwa kungcono.
Le nxalenye yesalathisi ibhekisele ekufikeleleni kwiinkonzo zemali esemgangathweni kunye nokukwazi ukulondoloza imali. Uphando lubandakanye izinto ezifana nokunyuka kwamaxabiso kunye nenani lomdla (ngokwenene lithetha inani lemali ongayifumana kwi-inflation). Iinkalo ezongezelelweyo zibandakanya ukuboleka kworhulumente, inani lokubolekwa kweebhanki ezingenzi phantsi, ukunyanzelwa kweerhafu, ukulawula, kunye nomlinganiselo wokuxhomekeka komdala (ojongene nenani labantu asebekhulile ngokumalunga nenani labasebenzi abadala).
Amazwe angamahlanu aphezulu kweli candelo aphakathi kweChile, eSingapore, eNew Zealand, eSwitzerland nase-Australia.
Amazwe aphezulu aphethe inani elikhulu labantu abathatha inxaxheba kwizicwangciso zokulondoloza indawo kunye nokuphuhlisa imigaqo egxininise ekuthatheni inxaxheba ekwandeni kwezi zicwangciso zezicwangciso.
Ngokomzekelo, iChile yenza utshintsho olukhulu kwinkqubo yabo yomhlalaphantsi ngo-1981, kwaye kwakhona ngo-2008, kwaye ngoku ifuna iminikelo encinci yokulondoloza umhlala-phantsi kweepesenti ezili-10 zomvuzo.
ISwitzerland ne-Australia nabo baneenkqubo zokulondolozwa kwendawo yokusebenzela emsebenzini, kunye nesicwangciso seSwitzerland, esasungulwa ngo-1985, esicinga ukuba abaninzi baba enye yeenkqubo ezihlala phambili zomhlalaphantsi kwihlabathi. EUnited States, enye yesithathu yabasebenzi ayinakho ukufikelela kwisicwangciso somhlala-phantsi somsebenzi.
Xa kuziwa ngokubaluleka kweengcebiso zengcali, ingxelo ye-GRI igqiba ukuba, "Xa kunokwenzeka, ukubonelela ukufikelela kwintlanganiso yodwa kunye nochwepheshe bezezimali kunokubanceda abancedisayo ukuba babeke iinjongo, bafumane imfundo engcono ekutyala imali kunye nengozi, kunye nokwandisa inxaxheba. Uphando lwethu lwase-US lubonisa ukuba abo bantu abanabeluleki bezezimali baye basindisa kakhulu ngakumbi kwisicwangciso sabo kunabo abangenayo. "
Ukuba usebenza, unike ingxelo ye-GRI kwiSebe lakho labasebenzi kunye nokukhuthaza ukuba babone amanyathelo anokuthatha ukuthatha inxaxheba kwiplani yenkampani kwaye banikele ukufikelela kwiingcebiso eziphezulu. Cinga ukuyithumela kummeli wakho kwiCongress.
Ubuninzi boBomi
Kuloluhlu, iMelika ibeka i-25. Ezi zintlanu eziphezulu zaziyiNorway, Iceland, eJamani, eSwitzerland naseKorea.
Eli candelo lithatha ingeniso ngomntu ngamnye, ukungasebenzi, kunye nokulingana kwemali.
I-United States yafika ngo-37 kwinqanaba lokulinganisela. Ngokubanzi, amazwe anemali engenayo ephezulu ngomntu kunye nokungalingani kwemali engaphantsi kwenzile kwinqanaba eli-10. I-US inomsebenzi omningi ukuwenza kule ndawo. Akufanele kusimangaliswe ukuba le nto inendima enkulu elukhetho lokugqibela.
ZeMpilo
I-United States ibeka kwindawo yesixhenxe kwinqanaba lempilo. Ezi zintlanu eziphezulu ziLuxembourg, Netherlands, Norway, France kunye naseJapan.
Icandelo lezempilo leNkcazo yeNhlalakahle ye-Global ibona ukufikeleleka kwiinkonzo zonyango lwempilo ephezulu, kwaye ijonga iinkcukacha malunga neendleko zempilo ngomntu ngamnye, iindleko zezempilo ezingenakuncedwa, kunye nokulindela ubomi.
Xa ukhangele phantsi kwe-hood kwi-data engezantsi, i-US isebenzise kakhulu umntu ngamnye ngononophelo lwempilo ngaphandle kweliphi ilizwe, kodwa lafika ngo-30 kwixesha lokuphila. Oko kuthetha ukuba yonke into echithwayo ayinakuvelisa njengoko inokwenzeka.
Njengoko ukunyuka kweendleko kukunyuka, kufuneka ubone umphumo olinganiselweyo ngokwexesha lokuhlala ixesha elide. Ukongezelela, iMelika inezinga eliphezulu lokuchitha imali kubantu abangenayo inshorensi.
Uhlobo lwaseMelika lungile kule candelo, kodwa kukho indawo yokuphucula amaninzi kwimgangathiso yenkathalo efunyenwe ngedola eyichithwe.
Umgangatho woBomi
Ukulinganisa ulonwabo kuyinselele, ngoko le nxalenye ye-Index Retirement Retirement Index ibandakanya amanqanaba okonwabileyo kwabemi. Ikwajongana nezinto ezinokuthi zingabonakali njengobungakanani bomoya, amanzi, ukucoceka, ukuguquka kwemozulu, amandla, iintlobo zezinto eziphilayo kunye neendawo zokuhlala.
I-America ibeka umlinganiselo we-16 kumgangatho wobomi bendawo. Ukuphuculwa kwimeko yemozulu kunokunceda indawo yethu apha.
Amazwe angamahlanu aphezulu yiDenmark, eSwitzerland, eNorway, eFinland naseSweden. IDenmark yayineempawu ezigqibeleleyo kwintlalo yolonwabo! Mhlawumbi ikhefu ukuya eDenmark kunokukunceda ucwangcise umhlala-phantsi ocolileyo.
Yintoni esinokuyifunda kwiNkcazo yoMhlalaphantsi
Amazwe akwi-10 ephezulu kwi-GRI inikeza imizekelo emihle kakhulu yimiba yeenguqu ezinokunyusa ukhuseleko lomhlala-phantsi kwilizwe lonke. Umgaqo-nkqubo kaRhulumente ungenza umehluko olungileyo. Ezi zinguqu ziquka izinto ezinje:
- Ukuqinisekisa ukuba abasebenzi banokufikelela kwizicwangciso zomhlalaphantsi. Njengoko izicwangciso zempesheni zemveli ziphela, kubalulekile ukuqinisekisa ukuba abasebenzi banezinye iindlela - kwaye bathathe inxaxheba kuwo.
- Ukubonelela ngeengcebiso zokugcina. Ukuba inxalenye enkulu yabemi ayinayo imali ngomhlalaphantsi, oku kuba ngumthwalo kwibhajethi yokufaneleka yelizwe. Ukubonelela ngexesha elide ukukhusela kubalulekile.
Ingxelo ye-GRI iphetha ngokuthi, "Ukhuseleko lomhlala-phantsi luqhubeka ngaphezu kwezithuthi zokulondoloza kwaye luquka ukuqwalaselwa koluntu olukhulayo oluya kuphila kwimali engenayo kwiminyaka emininzi ezayo. Imigaqo-mali yemali, yezemali kunye neyokunakekelwa kwempilo yonke idlale indima ebalulekileyo ekuqinisekiseni ukuba abahlala phantsi banelisekile. "
Ukuphakamisa ukuphumelela kwakho komhlalaphantsi
Nangona iUnited States inomsebenzi othile wokwenza ukuba ube ngowona-10 ophezulu, ungalindeli urhulumente ukuba aqinisekise ukuba uhlala umhlala-phantsi. Enye yezinto eziphambili kwimpumelelo yomhlala-phantsi igcina ngokwaneleyo . E-US, abaninzi balabo abanokufikelela kwisicwangciso somhlala-phantsi njengesi-401 (k) isicwangciso nje asikwazi ukukhulisa iminikelo yabo. Abaninzi baseMerika bancedisa ngaphantsi kwama-5 ekhulwini wabo ngeniso kumhlalaphantsi. Sebenza ukufumana oku okwangama-10 ekhulwini.