Umhlala-phantsi wakho ubeka ixesha kwaye ungayifumana njani imali yakho yomhlalaphantsi. Imithetho yeminyaka yobudala yomhlalaphantsi ihluke kwisicwangciso sokucwangcisa kunye nakwilizwe elizweni.
I-401 yakho (k) isicwangciso, umzekelo, inokuchaza ubudala bomhlalaphantsi ngokwahlukileyo kwiplanethi yakho yomhlala-phantsi okanye iSocial Security. Nazi izinto ofuna ukuziwa phambi kokuba ukhethe iminyaka yobudala bakho bomhlalaphantsi.
Umhlala-phantsi woLondolozo lweNtlalo
Umdala wokuqala unokuqokelela inzuzo yakho yomhlala-phantsi yomhlala-phantsi uneminyaka engama-62 - kodwa ngenxa yokuba uqokelela kule minyaka ayithethi ukuba ufanele. Uya kufumana inani lemali elikhudlwana ngenyanga ngokufaka isicelo emva kwexesha elizayo. Ukongeza, ukuba uthatha i-Social Security kwi-62, okanye naliphi na ixesha ngaphambi kokuhlala phantsi komhlalaphantsi (okuyahluka ngohlobo lwakho lokuzalwa), kwaye uqhubeka usebenza kwaye ufumana imali engaphezulu kwemali yokufumana umvuzo, izabelo zakho zoKhuselo loLuntu ziya kuba ncitshiswa. Ungaqali ukuqokelela izinzuzo zakho zoKhuseleko loLuntu uze uqonde ukuba ubudala bakho buqala njani ukuchaphazela zakho iinzuzo. Izibini ezitshatileyo ngokukhethekileyo zifuna ukucwangcisa ngokucophelela njengoko zihlala zifumana uncedo olusandayo xa zilungelelanisa nini kwaye ziqala njani iinzuzo zazo.
02 Ubudala Unokuqala Ukurhoxiswa Ku-401 (k) Isicwangciso
Uvumelekile ukurhoxisa imali kwi-401 (k) isicwangciso sakho kwiminyaka yobudala engama-55. Imithetho eyahlukeneyo isebenza kwimida oyithathayo kwiminyaka eyahlukeneyo. Isiqendu 401 (k) ubudala bokuthatha umhlala-phantsi ukuba baqaphele ngama-55, 59 1/2, kunye neminyaka engama-70 1/2. Ukuba awuneminyaka yobudala engama-55 kwaye kufuneka ufikelele kwi-401 (k) yemali, unokukwazi ukusebenzisa u-401 (k) mboleko, okanye uthabathe ukukhutshwa kobunzima, nangona kunjalo, uqaphele ukuhoxiswa kwangaphambili. Kukho ukhuselo lokubolekisa olunikezelwa ngemali kwisicwangciso se-401 (k), ngoko kufuneka ucinge kabini ngaphambi kokuphuma kwisicwangciso sakho.
03 Umyinge weminyaka yokuhlala phantsi eMelika
I-US Census Bureau isitshela iminyaka yobudala yomhlala-phantsi e-United States ingama-62, kwaye ubude obude bomhlala-phantsi buyiminyaka eyi-18. Kuyathakazelisa ngokwaneleyo, iNgcaciso yeNhlalakahle yeNtlalo ichaza 62 njengeminyaka yobudala bakho bokuthatha umhlalaphantsi; qalisa izibonelelo kulo nyaka kwaye uza kufumana inzuzo encinci yeNtlalo yeNkxaso. Abo banomhlalaphantsi, imali enkulu yokugcina imali kunye nokukwazi ukugcina uhlahlo lwabiwo-mali, mhlawumbi iya kuba yimeko enhle xa bekhetha ukuhlala phantsi kwiminyaka engama-62 okanye ngaphambili. Abo bangenazo zinto kufuneka baqwalasele ukusebenza kudlulileyo kwiminyaka yobudala yomhlalaphantsi.
04 Umhlalaphantsi
Abaninzi baseMerika bacinga ngeminyaka yobudala engama-55 okanye ngaphambili ngaphambili . Ukuba unako ukugcina ixesha elaneleyo ebomini, umhlalaphantsi wokuqala umhlalaphantsi ufikeleleka. Ukuthatha umhlala-phantsi kwangaphambili kuninzi kakhulu kulabo abakhulu okanye abaqalisa umsebenzi kwimikhosi yempi okanye kwindlela ethile yoluntu (oko kuthetha ukuba banelungelo lomhlala-phantsi ngexesha elidala). Ingcaciso yam yobudala beminyaka yokuthatha umhlalaphantsi nayiphi na iminyaka engama-65. Kwabo abangenawo umhlalaphantsi, kunokuthatha umhlalaphantsi kusasa, cinga ukufumana umsebenzi othanda ukukwenza. Abantu abaninzi basebenzisa umhlalaphantsi kwangaphambili emsebenzini othile njengethuba lokufumana umsebenzi wokuqala owenwabileyo.
05 ngokuphumelelayo nama-Ages Agqirha ngezeMpilo ngelizwe
Iminyaka esemthethweni yokuthatha umhlalaphantsi kunye neminyaka eyiyo yokuthatha umhlalaphantsi zizinto ezimbini ezihlukeneyo, kwaye ziyahlukahluka ngelizwe. Ubudala obusemthethweni bokuthatha umhlalaphantsi buya kuba lixesha apho izibonelelo zomhlalaphantsi karhulumente zikhawuleza. Ubudala obuyimfuneko ngaba abantu abaneminyaka ubudala bayakukhetha ukuthatha umhlalaphantsi, nangona ukuba iingeniso zingekafumaneki. Okuthakazelisayo ngokwaneleyo, amanye amazwe aneminyaka yobudala engaphantsi kweminyaka yokuthatha umhlalaphantsi kunabanye.
06 Yiyiphi Imigaqo Esebenzayo Ngaliphi Ibanga?
Umhla wokuhlala umhlalaphantsi uxelele ukuba zeziphi iziganeko zokucwangcisa umhlala-phantsi ezibangelwa kwiminyaka ethile, kwaye oko kufuneka uyenze njengoko usondele kwiminyaka nganye. Iiminyaka eziphambili zi-55, 59 1/2, 62, 65, 70, 70 1/2, kunye no-75. Ngaphambi kokuba ukhethe ubudala bakho bomhlalaphantsi kufuneka uqhelane nemithetho. Kukho izinto oza kuzithatha ukuba uthathe njengoko usondele kuminyaka yobudala.