Isitulo esineemilenze ezintathu sibonisa indlela isizukulwana seMvazwe-yehlabathi seMfazwe sajonga ngayo ukucwangcisa umhlalaphantsi. Imilenze emithathu ibonisa umhlalaphantsi womqeshi, ukugcinwa kwabasebenzi kunye noKhuseleko loLuntu. Ufuna ngamnye ukuba akhe isiseko esisemgangathweni somhlalaphantsi. Ngaphandle kwesinye, isitulo esineemilenze ezintathu asiyi kusebenza.
Esi siqhelo sisoloko sichazwa nguFranklin D. Roosevelt, owadala inkqubo yoKhuseleko loLuntu.
Nangona kunjalo akazange, ngokoMthetho woLawulo loKhuseleko loLuntu, ngokwenene usebenzisa igama. Imvelaphi kungenzeka ukuba yindoda egama linguReinhard A. Hohaus, i-actuary esebenza kwi-Met Life Insurance. Ngethuba lentetho ka-1949 kwiNtlalo yoKhuseleko, wathetha ngesitulo enemilenze emithathu: ukhuseleko lwezeNtlalo, inshuwalense yabucala kunye ne-inshurensi yeqela. Kodwa imbonakalo yemilenze emithathu ibonakala iyinto engqondweni yabo badale inkqubo yoKhuseleko loLuntu.
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Kwabaninzi kuthi, isitulo esineemilenze ezintathu asisekho , okanye ubuncinane sibonakala sihluke. Izimpesheni kunye neenjunja zeqela le-inshorensi enikezelwa ngabaqeshi zikhawuleza zibalele. Ngokombiko ovela kwi-Willis Towers Watson PLC, kuphela i-20% yeenkampani ezingama-Fortune ezingama-500 zanikela naluphi na uhlobo lwesicwangciso somhlala-phantsi ochaziweyo kubasebenzi abatsha ekupheleni konyaka ka-2015. Inani labaqeshwa elijongene nesicwangciso somhlala-phantsi selehlile kakhulu kwi-60 % abaye bavalelwa ngo-1998.
Abaqeshi abaninzi banikela i-401 (k) isicwangciso somhlala-phantsi esichazwe endaweni. Kodwa ekubeni abasebenzi bafaka iminikelo ngeentlawulo zabo, i-401 (k) ininzi inxalenye yomlenze wokulondoloza umntu ngaphandle komlenze womhlalaphantsi womqeshi. Abanye abaqeshi benza igalelo kumhlala-phantsi wabo wabasebenzi ngokunikela umxhasi wokukhuthaza ufike kwi-6% yento oyigcinayo.
Iindaba ezilungileyo yinani labaqeshi ababonelela nge-401 (k) inkqubo ehambelana nayo ibhekiselele inkqubela yezoqoqosho emva kwezemali. Ngo-2008, malunga no-72% wabaqeshi babenomdlalo, ngokutsho kophando oluvela kuCharles Schwab & Co. olususela kwi-1000 kwinkampani eceba abaxumi babo ukuba bathathe inxaxheba. Lelo nani liye lahla kuma-67% ngo-2009, kodwa libuye labuyela kuma-73% ngo-2012 Ukuba unomdlalo, unako umlenze omncinci wesibini ukuba ungeze kwi-stool yakho.
Emva koko kukho umlenze obalulekileyo kodwa onokungaqondakaliyo woKhuseleko loLuntu. Unokufumana zonke iintlobo zokubala kunye nembono malunga nokuba i-Social Security ine-ahem, umlenze ukuma. Ngokutsho koKhuseleko loLuntu kunye neeBhodi zeTransti yeNgxelo ka-2015, iNgxowa-mali yoThuseleko loLuntu ixhaswa ukuba iphelile ngo-2034. Oku akuthethi ukuba iinzuzo zoKhuselo lweNtlalo ziya kuphele ngokupheleleyo. Ngaphandle kweenguqulelo, iirhafu zerhafu ezihlawulelwa ngabasebenzi abancinci ziyakwanela ukuxhasa nge-79% yezibonelelo ezicwangcisiweyo.
Enye indlela yokulungisa umlenze woKhuseleko loLuntu kukuba ukudibanisa izinto ezifana nokunyuka kwamaxesha ukufumana iingeniso ezipheleleyo okanye umlinganiselo ophezulu wemvuzo kuya kunceda ukulungisa ngendlela ethile. Kodwa ngenxa yezi zilungiso ezinokwenzeka kwiinkqubo inzuzo inokunciphisa kakhulu ukusuka kumanqanaba anamhlanje.
Ngoko, ngokuxhomekeka xa usuhlala phantsi, unokholo kumlenze woKhuselo loLuntu, kodwa uncinci kunye nobuthathaka.
Isikhundla sokuthatha umhlala-phantsi wexesha elizayo sinokuthi sibe nemilenze emithathu, kodwa mhlawumbi iya kubonakala ibe yikholamu enkulu kunye nezikhundla ezimbini zokukhaba ezincinci. Kukho imilenze emincinci emibini yokongeza intwana encinci yokuzinza, kodwa ikholomu yokugcina eyona nto yinto eya kubamba umhlalaphantsi wakho. Yingakho kubaluleke kakhulu ukugcina ubuninzi njengoko unako kwiminyaka yakho yokusebenza.
Ngaba uyasindisa ngokwaneleyo ukuhlangabezana neenjongo zakho zomhlalaphantsi? Indlela eyona ndlela yokufumana ngayo kukuba usebenze ukubalwa komhlalaphantsi okubalulekileyo ubuncinane kanye ngonyaka. Kukho iintlobo ezahlukeneyo zokubala umhlalaphantsi ezikhoyo kule mihla ukukunceda usebenze ukubalwa kwemali yomhlala phantsi ukuze ubone ukuba uhamba ngendlela efanelekileyo (jonga iziPhononongo zeRhafu Calculator kwisishwankathelo sokuhlaziywa kwezinto ezikhethiweyo).
Qiniseka ukuba uquka yonke imilenze yesigxina somhlalaphantsi esineemilenze ezintathu esisebenza kwiimeko zakho.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.
Ukuhlaziywa nguScott Spann
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