An Bayyana Cikakkun Shekarun Yin ritaya: Fara Koyo Yanzu don Ingantacciyar Makoma

Wane shekaru ne cikakken shekarun ritaya? Kuma me ya sa ya kamata ku san muhimmancinsa a cikin shirin ritaya? 

Ko kun kasance a farkon aikinku ko yin la'akari da jinkirta ritaya, fahimtar ma'anar cikakken shekarun ritaya da tasirinsa akan fa'idodin ritayar ku yana da mahimmanci. A cikin wannan labarin, za mu bincika wannan batu don ku yanke shawara cikin sauƙi game da lokacin da za ku yi ritaya da kuma yadda za ku ƙara yawan fa'idodin ritayarku.

Teburin Abubuwan Ciki

• Bayanin Cikakkun Shekarun Ritaya
• Ta yaya Cikakkun Shekarun Yin ritaya Yayi Tasirin Amfanin Tsaron Jama'a?
• Yadda Ake Haɓaka Fa'idodin Ritayen Ku
• Maɓallin Takeaways
• Tambayoyin da

Bayanin Cikakkun Shekarun Ritaya

Yaushe ne cikakken shekarun ritaya ga wanda aka haifa a 1957? Amsar tana da shekara 66 da wata 6.

Cikakken shekarun ritaya, wanda kuma aka sani da FRA, a cikin Amurka, shine shekarun da mutum ya cancanci samun cikakken fa'idodin yin ritaya daga Hukumar Tsaron Jama'a (SSA). 

Shekaru sun bambanta dangane da shekarar haihuwa, amma ga waɗanda aka haifa a 1960 ko kuma daga baya, cikakken shekarun yin ritaya shine 67. Ga waɗanda aka haifa kafin 1960, cikakken shekarun ritaya yana ƙaruwa da watanni da yawa a kowace shekara. 

Ta yaya Cikakkiyar Shekarun Yin ritaya ke tasiri amfanin Tsaron Jama'a?

Fahimtar cikakken shekarun ku na ritaya yana da mahimmanci don tsara shirin ritaya, saboda yana shafar adadin fa'idodin ritaya na wata-wata da zaku iya samu daga Tsaron Jama'a.

Idan mutum ya zaɓi ya nemi fa'idodin ritaya na Social Security kafin FRA ɗin su, za a rage adadin amfanin su na wata-wata. Ana ƙididdige ragi bisa adadin watanni kafin mutum ya kai FRA.

Alal misali, idan FRA ɗin ku na 67 kuma kun fara neman fa'idodi a 62, za a rage amfanin ku na ritaya har zuwa 30%. A gefe guda, jinkirta fa'idodin ritayar ku fiye da cikakken shekarun ritaya na iya haifar da ƙarin adadin fa'idar kowane wata.

Don ƙarin fahimta, zaku iya duba tebur mai zuwa:

Ko kuma za ku iya amfani da Hukumar Tsaro ta Social Security (SSA) Kalkuleta na shekarun ritaya.

Yadda Ake Haɓaka Fa'idodin Ritayen Ku

Ta hanyar haɓaka fa'idodin ritayar ku, za ku iya samun ƙarin kwanciyar hankali game da samun isasshen kuɗi don rayuwa cikin kwanciyar hankali a cikin shekarun ku na ritaya. 

Ga wasu shawarwari don haɓaka fa'idodin ritayar ku:

1. Aiki na akalla shekaru 35

Ana ƙididdige fa'idodin ritaya na Social Security dangane da matsakaicin abin da kuka samu a cikin mafi girman shekaru 35 na aikinku. Idan kuna da aikin ƙasa da shekaru 35, lissafin zai haɗa da shekarun sifiri, wanda zai iya rage adadin fa'idar ku.

2. Jinkirin neman fa'idodin ritaya na Social Security

Kamar yadda aka ambata a sama, jinkirin fa'idodin ritaya na Social Security har sai bayan cika Cikakkiyar Shekarun ritaya na iya haifar da ƙarin fa'ida na wata-wata. Amfanin na iya ƙaruwa da kusan 8% na kowace shekara da kuka jinkirta fiye da FRA ɗin ku har sai kun isa shekaru 70. 

3. Samun Tsare-tsaren Ritaya 

Idan kun shirya shirin ritaya aiwatar da zaɓuɓɓukan adanawa kamar 401 (k) ko IRA, haɓaka gudummawar ku. Ƙimar gudunmawar ku na iya ƙara yawan ajiyar ku na ritaya da yuwuwar rage kuɗin shiga mai haraji.

4. Ci gaba da aiki

Yin aiki a kan Cikakkun Shekarun Ku na Ritaya na iya inganta ajiyar ku na ritaya da fa'idodin Tsaron Jama'a. 

Yin aiki yayin karɓar fa'idodin Tsaron Jama'a a baya fiye da FRA ɗin ku na iya rage adadin da kuka karɓa saboda Gwajin Samun Ritaya. 

Koyaya, bayan kun cimma FRA ɗin ku, amfanin ku na ritaya ba za a ƙara ragewa ba.

5. Shirye-shiryen kashe kuɗin kiwon lafiya da gaggawa

Kudaden kula da lafiya da abubuwan gaggawa na iya zama babban farashi yayin ritaya. Don tsara farashin kiwon lafiya da abubuwan gaggawa bayan yin ritaya, kiyaye abubuwan da ke gaba:

• Fahimtar ɗaukar hoto na lafiyar ku.
• Tsara don kulawa na dogon lokaci tare da inshora ko ware kuɗi don biyan kuɗin kulawa na dogon lokaci.
• Gina asusun gaggawa don biyan kuɗaɗen da ba zato ba tsammani da ka iya tasowa. 
• Yi la'akari da asusun ajiyar kuɗi na kiwon lafiya (HSA) don ajiyewa don kuɗin kiwon lafiya yayin ritaya.
• Kula da lafiyar ku ta hanyar cin abinci mai kyau, motsa jiki akai-akai, da kuma ci gaba da sabuntawa tare da rigakafi.

6. Nemo mai ba da shawara kan kudi  

Ƙimar fa'idodin ritayar ku yana buƙatar tsarawa da kuma la'akari da yanayin ku. Tuntuɓar mai ba da shawara kan kuɗi na iya taimaka muku ƙirƙirar tsarin ritaya wanda ke haɓaka fa'idodin ku kuma yana tabbatar da tsaro na kuɗi yayin shekarun ritayar ku.

Maɓallin Takeaways 

Ba a taɓa yin wuri ba (ko kuma latti) don koyo game da cikakken shekarun yin ritaya. Fahimtar FRA muhimmin bangare ne na shirya don makomarku. Sanin lokacin da za ku iya da'awar fa'idodin Tsaron Jama'a da kuma yadda yake tasiri adadin fa'idar zai iya taimaka muku yanke shawara mai kyau game da ritayar ku. 

Tambayoyin da

Ƙari akan Ritaya

• Kalkuleta na Tsaron Jama'a
• Fatan Ritaya

Ref: Gudanar da Tsaro na Tsaro (SSA)