Izinto ezi-5 zeeNgqungquthela zokuCinga xa uqala ukuKhuseleko loLuntu
Abantu abangaphezu kwama-75 ekhulwini abayeka ukusebenza phambi kweminyaka engama-62 bafaka izicelo zeNtlalo zoNcedo kwiNtlalo kwiinyanga ezimbini zokufikelela kuloo minyaka.
Kwiimeko ezininzi, kuya kuba luncedo kakhulu ukuba basebenzise ezinye iindleko zokuxhasa indlela yabo yokuphila kwithuba elithile, kubandakanywa ukuthatha iirejista ze-IRA ukulibazisa ukuqala kweenzuzo zabo zeNtlalo.
Uninzi lwezigqibo zoKhuseleko loLuntu ozenzayo aluguquki, kodwa ukuba ungatshatanga, isigqibo sinzima kunokuba usatshatile.
Ubudala 62 kuminyaka 70
Iintlawulo zoKhuseleko lwezeNtlalo zinokuthi zifunwe naliphi na ixesha ukusuka kwiminyaka engama-62 ukuya kwi-70 ubudala. Uya kufumana inzuzo epheleleyo yomhlalaphantsi ebizwa ngokuba yinani le-inshurensi yokuqala okanye i-PIA ngexesha lakho lokuhlala phantsi . Ngo-2017, uneminyaka engama-66 kubantu abazalelwa phakathi ko-1943 no-1954. Izibonelelo zakho ziya kuba ngaphantsi xa uqala ukuqokelela ngaphambi kweminyaka engama-66, kwaye ziya kwanda xa uqala emva kwe-66.
Inzuzo eninzi ifumaneka xa ulinda uneminyaka engama-70. I-76 ekhulwini ephezulu kunokuba ingaba yintoni xa uqala ukufumana uncedo kwiminyaka engama-62.
Nantsi itheyibhile ebonisa imali ehlawulwa yenyanga ngenyanga efunyenwe ukususela kwiminyaka engama-62 ukuya kwe-70 kunye ne-PIA ye-$ 1,000.
Umda wokuBanga: iNzuzo yeNzuzo
- 62: i-$ 750
- 63: $ 800
- 64: $ 867
- 65: $ 933
- 66: $ 1000
- 67: $ 1,080
- 68: i $ 1,160
- 69: i-$ 1,240
- 70: i $ 1,320
Impembelelo yoLindleko lobomi
Omnye umntu onokulindela ukuba aphile ixesha elide kunomyinge unokuzuza ngenxa yokulibazisa ukuqala kweenzuzo ngelixa abo balindele ukuba baphile emfutshane kunomyinge banokuzuza ngokubango kwangaphambili.
Ngokuqhelekileyo, abafazi banenzuzo ngakumbi ekubambezelekeni kwezibonelelo ngenxa yokulinda kwabo ubomi obude.
Uphando lubonisa ukuba inzuzo yokufumana ixesha lokuphila iyalingana nomntu ohlala kwiminyaka eyi-80 kungakhathaliseki ukuba uqala inzuzo nawuphi na umdala ukususela kwiminyaka engama-62 ukuya kwe-70. I-Ages 80 ukuya kwe-82 idla ngokuba yi-"break-even age" kuba inzuzo yakho ukuthatha iNhlalakahle yeNtlalo kamva kungekudala xa uhlala ixesha elide kunalo.
I-Flaws kwi-Break-Even Even Age Analysis
Nangona ikhefu-nokuba lidala lingaba yinxalenye ebalulekileyo yoluhlalutyo oluchanekileyo, ukuyisebenzisa njengeyona nto kuphela ekuqaliseni ukuba kuqalwe nini ukukhuseleka kweNtlalontle ngezizathu ezininzi.
- Ukhuseleko loLuntu lusebenza njengelungelo lokubaluleka ngokubhekiselele kwimpahla yakho. Uphando lubonisa ukuba ukulibaziseka ukufikelela kwiminyaka engama-70 kunokwandisa ixesha elide leminyaka eli-6 ukuya kwe-10. Unokucinga ukuba mhlawumbi uya kuhlala uphila iminyaka engama-82, kodwa kuthiwani xa uhlala kwimpilo enempilo 92? Ukulahlwa koKhuselo lweNtlalo kukukhusela ekukhuseleni imali yakho.
- Ukuqwalasela kuphela ikhefu-nangona ubudala liye lathintela impembelelo yentlawulo. Ukuba ukhuseleko lweNtlalo ngumthombo wakho wodwa wemali engenayo, awuyi kuhlawula irhafu kwiintlawulo zakho, kodwa unokuphelisa ukuhlawula irhafu ukuya kuma-85 ekhulwini lakho leenzuzo xa uneminye imithombo yengeniso. Kodwa unako ukukhetha ukuhoxisa imali yokugcina imali kunye nokulibaziseka ukuqala kweenzuzo zakho zeNtlalo. Kwiimeko ezininzi, esi sicwangciso sinokunyusa kakhulu inzuzo yakho yomhlala-phantsi yenyanga okanye ukwandisa ixesha elide lepotfoliyo yakho xa lijongwa kwi-tax after tax basis. Qalisa izicwangciso zeerhafu ezicacileyo ukuchonga uhlobo lwesicwangciso sokurhoxisa esiza kuzisa inzuzo enkulu emva kwentela.
Uvavanyo lweZiphumo
Enye into eyongezelelweyo edlalwa yinto yokuvavanya. Abantu abasebenzela ukuhlawula kunye nabanokuthi banamalungelo ngaphambi kokuhlala phantsi komhlalaphantsi bajongene nokunciphisa iindleko zabo zenyanga xa i-earnings yabo idlula umlinganiselo wokufumana .
Ukunciphisa okwethutyana-emva kokuba ufinyelele i-FRA yakho, iintlawulo zenyanga zilungelelaniswe ukuhlawula ukunciphisa kwangaphambili. Kodwa ngenxa yendlela yokuvuselela inzuzo, iyakuthatha iminyaka engama-13 ukuya kwe-14 ukubuyisela imali eyancitshisiwe. Kuphantse kunokuba luncedo ukuba ulinde ukucela izibonelelo uze ufike kwi-FRA yakho ukuba uceba ukuqhubeka usebenza.
Umtshato owedlule we-10 okanye iminyaka ende
Nantsi enye into ebalulekileyo yokubhaliweyo ukuba ucinge ngolu hlobo: Ukuba ubukade utshatile kwaye loo mtshato ihlala iminyaka engama-10, uvumelekile ukuba uqokelele iingenelo kwiirekhodi lomsebenzi womntu osekude.
Kule meko, cingisisa ngoKhuselo lwakho loLuntu olubhenkcelayo kwisigqibo esinjengomntu otshatileyo . Unokwazi ukusebenzisa umvuzo womtshato kwiminyaka embalwa, uze utshintshe kwiintlawulo zakho, okanye ngokuphambeneyo. Ezi ndlela ziza kuphucula imali yakho yokufumana imali.