Indlela yokwenza umsebenzi wokupakisha umhlalaphantsi wangaphambili
1.Khetha iinketho zempesheni ngokuzimeleyo kwiPhakheji yakho yasekuqaleni yomhlalaphantsi
Iipensheni ezininzi zikunika ithuba lokuzikhethela malunga nexesha lokuqalisa izibonelelo zakho. Ukuba unako ukugcina ingenzuzo yakho yokusebenzisa imali yakho yokugcina iindleko zokuphila kunye nokulibazisa ukuqala komhlalaphantsi wakho.
Kuya kuxhomekeka kwimisebenzi yakho yomhlalaphantsi. Ndibone iimeko apho kungekho nzuzo yokulibazisa ukuqala komhlala phantsi, ngoko awukwazi ukuthembela kumgaqo wesithupha. Kunoko, kuya kufuneka ubale oko uza kufumana ixesha lokuphila kwakho kunye nenketho elilodwa ukuya kwelinye uze uqhathanise ukhetho. Ukuba ipenshini yakho ikunika ukukhethwa kwemali okanye i-annuity , qiniseka ukuba wenze uhlalutyo olululo ngaphambi kokuba unqume. Kwimeko ezininzi ndijonga ngayo, i-annuity iya kuba yona khetho olufanelekileyo.
2. Khangela ukuba Ukusebenzisa i-IRA Imali yokuqala ingaba ngcono
Ulawulo olusemgangathweni lwesimbolo kukuba awukuthinteli i-IRA yakho okanye imali yomhlala phantsi kude ufikelele kwiminyaka engama-70 / 1/2 xa ufunwa ukusabalala okuncinci . Lo mgaqo wesithupha ungalunganga. Ukuba awunayo imali engenayo kwaye ke ngoko kwibakethi yentela ephantsi, unokukwazi ukuthabatha iRARA kunye nokuhlawula irhafu. Ukugqiba indlela yokulungelelanisa xa uthatha iirejista ze-IRA kunye neminye imithombo yemali engenayo kwindlela ephumelelayo yerhafu kunokuthetha ukuba inzuzo engaphezulu yerhafu iya kufumaneka kuwe.
Ukulawula ukurhoxiswa kwindlela ephumelelayo yerhafu kubalulekile kwaye ukunikezelwa kwepakethi yokuthatha umhlalaphantsi kwangaphambili kunokunikela amathuba okusebenzisa ithuba lokuhlawula intela.
3. Hlaziya iindlela zokunakekelwa kwezempilo
Ukunikwa kwenkxaso yomntu ngamnye kwindleko. Ukuba ukugcinwa kwenkxaso yezempilo engapheliyo yinxalenye yephakheji yokuqala yokuthatha umhlala-phantsi , qiniseka ukuba uyazi ukuba uza kufikelela njani ukunika ingxelo xa kunikwa nantoni na.
Xa ungeze kwiinkonzo zononophelo zezempilo ezinikezelwa ngemisebenzi ephantsi yokuhlawula, lilingana nokuhlawulwa kabini. Ngamanye amaxesha xa uxabisa kwixabiso leenkonzo zokunakekelwa kwezempilo uza kuthatha isigqibo sokuba ufanele ukunamathela ngomsebenzi ophantsi ohlawulayo, okanye umsebenzi ongazithandi. Ngamanye amaxesha akayi kulungela, oko kulungile, qinisekisa ukuba ulungele iindleko.
4. Ukusekwa kwexesha elifanelekileyo
Indlela efanelekileyo yokubeka indlela ipakethe yokuthatha umhlalaphantsi okanye nayiphi na icebo lokuthatha umhlalaphantsi eliza kucwangciswa liza kusetyenziswa ukubeka umlinganiselo wexesha lokufumana umhlalaphantsi . Yisipredishithi esilandela imithombo yengeniso ezayo kunye neendleko unyaka ngamnye, kunye neminyaka yakho. Ungasebenzisa eli lixesha lokujonga ngokubonakalayo xa ungayiphendula imithombo ethile yengeniso njenge-Social Security okanye ipension yakho.
5. Funda i-401k Imigangatho yobudala yomhlalaphantsi
Ukuba unikwe ipakethe yokuthatha umhlalaphantsi kwangaphambili kwaye uneminyaka engama-55 no-59 1/2, isicwangciso sakho sakwa-401k sikunika ithuba lokuthatha iirhafu kwaye ungahlawulwanga irhafu yerhafu yokuqala , nangona ungeneminyaka engama-59 ubudala 1/2. Kufuneka ushiye imali kwisicwangciso sakho ukusebenzisa le ndlela. Qinisekisa ukuba uyaqonda imithetho yobudala bomhlalaphantsi engama - 401k ngaphambi kokuba uqale ukuhambisa imali ngeenxa zonke. Ngokuqhelekileyo, ndicinga ukuba abaninzi abantu bahamba phambili ekudibaniseni ii-akhawunti zomhlala phantsi, kodwa ukuba ushiya umsebenzi phakathi kweminyaka engama-55 no-59 1/2, kusenokuba yixesha lokuhlanganisa.
6. Hlola iindlela ezintsha zokufumana imali
Emva kokuba uwamkele ipakethe yokuthatha umhlalaphantsi kwangaphambili ucinge malunga nokusebenzisa ixesha lakho ukuhlola iindlela ezintsha zokwenza imali. Hlola amandla akho ukuze ubone indlela enokuthi ihlanganiswe ngayo ngendlela entsha apho unokuphishekela khona umsebenzi oyithandayo. Unokuqwalasela ukuqala ishishini lokubonisana , ukwenza olunye uphando malunga neenkampani ezincinane zokuqalisa, okanye ukufumana iindlela zokujika izinto zokuzonwabisa ukuze ufumane imali eyongezelelweyo .
7. Gxininisa ukuCwangcisa iziCwangciso zakho kwaye ube nesicwangciso esiphindayo
Into ebaluleke kakhulu ongayenza ukuvavanya isicwangciso sakho. Kuthiwani ukuba iindleko zokutshala imali ziphantsi kunokuba ucinga ukuba ziya kuba ? Kuthekani ukuba umntwana omdala ungena enkingeni kwaye ufuna ukubanceda ngemali? Kuthekani ukuba isigqibo sakho sekhefu sokuthatha umhlalaphantsi sithembele kwiqabane lakho eliqhubekayo ukusebenza kwaye banomcimbi wezempilo obenza baphumelele kubasebenzi?
Qinisekisa ukuba ukhululekile ngeempendulo kwi "mibuzo ukuba" ntoni kwaye ucinge ngesicwangciso sakho sokugcina. Ngaba ukunciphisa i-optional? Ziziphi utshintsho ozenzayo ukuba izinto azihambi kakuhle?
8. Fumana i-Smart malunga noKhuselo loLuntu
Abantu abaninzi bathatha ipakethi yokuthatha umhlalaphantsi kwangaphambili kwaye bathi bafuna ukukhuseleka kweNtlalontle ngethuba ngenxa yokuba bengasayi kufuna ukuzithengela. Oku kungenza iphutha elikhulu. Ngokuchasene noko ungacinga, kwizinga elincinci lentsingiselo yemali yakho iyakwazi ukuhlala ixesha elide xa uthetha kwi-savings yakho yokuqala kwaye ulibazise umhla wokuqala weeNtlawulo zeNtlalo. Izibini ezitshatileyo, ngokukodwa, zingasebenzisa imigaqo yoKhuseleko loLuntu ukufumana iintlobo ezingaphezulu ezihlangeneyo phakathi kwabo babini ukuba zikulungele ukuvuleka kwengqondo, zifunde indlela imithetho isebenza ngayo kwaye iphuhlise icebo elidibeneyo. Ukuba uthatha iphakheji yokuqala yomhlalaphantsi ungacingi ngokucacileyo oko kuthetha ukuba kufuneka uthathe i-Social Security ekuqaleni. Unokungabonakali ngokukhawuleza ukhuseleko lwakho lwezimali ngokwenza oku.