Ngaphantsi kwesigqibo seSigqeba soKhuseleko soLuntu sinokuhlawula amawaka.
1. Ungazi malunga neLuhlu loNyaka
Ukuba ubango inzuzo ngaphambi kokuba ufikelele kwiminyaka yakho yokuhlala umhlalaphantsi (okuhluka ngohlobo lokuzalwa) kwaye ufumana imali engaphezulu kwemali yokufumana umvuzo (echitshiyelwe phezulu kunye ne-inflation ngamnye ngonyaka) kwaye iinzuzo zakho zeNtlalo-ntle ziya kuncitshiswa.
Abantu abacinga ukuba banokuqeshwa ngokupheleleyo kwaye baqokelele iintlawulo zabo zoKhuselo lweNtlalo bahlala bekhunjulwa xa iofisi yoKhuseleko loLuntu ibatshela ukuba benza imali eninzi kwaye kufuneka bahlawule ezinye zeenzuzo. Xa usufikelele kwiminyaka yobudala yomhlalaphantsi , unokufumana imali eninzi njengoko ungathanda ngokungabi nciphisa kwiintlawulo.
2. Cinga ukuba Unokuyeka kwaye uqalise
Awukwazi ukukhupha izibonelelo zakho zoKhuselo lweNtlalo ngokulula. Ukuba utshintshe ingqondo yakho ngokufaka isicelo kwisithuba seenyanga ezili-12 zokufakela, ungahlawula zonke izibonelelo zakho kwaye izinto ziza kuphinda zibekwe kabusha njengoko ungakaze uzibange. Kodwa awukwazi ukuyeka nje iinzuzo zakho uze ukhethe ukuqala kwakhona kamva. Abantu abaninzi bathatha inzuzo yoKhuselo lweNtlalontle kwangaphambili, becinga ukuba bafumana umsebenzi bangayinqanda inzuzo, kwaye baqale kwakhona. Nope, awukwazi ukwenza. Eyona ndlela ilungele ukuphuhlisa isicwangciso esicinga ngokuphathelele ixesha lokuqalisa izibonelelo.
3. Ukungazi kakuhle izibonelelo zomtshato
Njengesiqabane, ukuba ulungelelanisa inzuzo yakho yeNtlalo yeNtlalo , unako ukufumana ngaphezulu kunokuba ngamnye wenza isigqibo sakho esizimeleyo.
Uninzi lwabantu lujonge xa lufanele luqalise iinjongo zabo, kodwa abaqondi ukuba kuxhomekeke kwimilinganiselo kwiminyaka kunye neenzuzo eziphakathi kwabo kunye neqabane zabo, kwaye ukuba omnye wabo wazalwa ngoJanuwari 1, 1954 okanye ngaphambili, banakho ukufaka isicelo sokufumana inzuzo yomtshato, ngelixa ukuvumela ukuba inzuzo yabo iqhubeke ikhula okanye i-vice-versa.
Izibini ezitshatileyo zilahlekelwa ngamawaka ngokungasebenzisi lolu hlobo lwenzuzo yomtshato.
4. Ulungelelaniso lweeNzuzo zokuPhepha
Njengesiqabane esitshatileyo, naluphi na ufumana imali ephezulu yokufumana inkxaso-leyo yimalini eya kuqhubeka neqabane elide kakhulu ukuba liphile. Oku kuthetha ukuba kubalulekile ukwandisa inzuzo yowona mthengi ophezulu, njengoko inokunika ifom ye-inshurensi enamandla: ingeniso ye-inflation-adjusted for long as a spouse who survives needs it. Ungazibango kwangethuba ngaphandle kokuqwalasela impembelelo enokuba nayo kwiqabane elide.
5. Intlawulo? Yiyiphi, Intlawulo?
Ewe, iinzuzo zakho zeNtlalo-ntle ziya kunikwa irhafu . Kukho umgaqo kwikhowudi yentlawulo ebonisa ukuba zininzi zakho zeentlawulo ziya kubhatalwa; kwindawo ethile phakathi kwe-0 no-85% yeenzuzo ezifunyenweyo zingabalwa njengeniso engenayo. Xa uqaphela ngokucacileyo ukuba yiiphi iakhawunti ekudwebeni iholo lokuthatha umhlalaphantsi ukusuka kuyo, kwaye ulungelelanisa lesi sigqibo xa uthatha uxolo lweNtlalo, unokunciphisa inani leerhafu ozihlawulayo kwiminyaka yakho yomhlalaphantsi. Ngelishwa, abaninzi abawuthathi ixesha lokwenza olu hlobo lwesicwangciso sokuhoxiswa, kwaye ke bahlawula irhafu engaphezulu kunokuba bekufuneka bafumane.
6. Musa ukucingisisa indlela ekukhusela ngayo ekuqhubeni
Uphando emva kokuphonononga, abaza kutsala kunye nabahlala phantsi baye bathetha inani labo loyiko lokuphuma kwemali emhlalaphantsi .
Isicwangciso seSicwangciso soKhuseleko seNtlalo soBuchule sinokukunceda ukukhusela kwesi siphumo. Nangona kunjalo abantu bathi bangabikho uhlalutyo. Iintlawulo zoKhuseleko lwezeNtlalo ziza kunika ngaphezu kwezigidi ezigidi zamadola kwizibonelelo ezininzi. Ngaba unokwenza isigqibo malunga ne-1 million yezigidi ngaphandle kokuhlalutya?
Unokusebenzisa i- Calculator Social Security Calculator , ukukunceda ukuba ugweme iimpazamo zeNgcaciso zeNtlalo. Kukulungele ukuhlola ababalawuli, kwaye ndiyancoma ukuba nidlale nabo, kodwa ukulungelelanisa nini kunye nendlela othatha ngayo umhlala-phantsi ekukhangekeleni irhafu kufuna ukuba luncedo oluninzi. Jonga ukuba uMququzeleli oMhlala-phantsi oya kuyenza ntoni , kwaye ujonge ukufumana enye ngaphambi kokuba uthathe ibango.