Zaka Zonse Zopuma Ntchito Zafotokozedwa: Yambani Kuphunzira Tsopano Kuti Mukhale ndi Tsogolo Labwino

Ndi zaka zingati zaka zonse zapuma pantchito? Ndipo n'chifukwa chiyani muyenera kudziwa kufunika kwake pakukonzekera kupuma pantchito? 

Kaya muli koyambirira kwa ntchito yanu kapena mukuganiza zochedwetsa kupuma pantchito, kumvetsetsa tanthauzo la zaka zonse zopuma pantchito komanso momwe zimakhudzira phindu lanu lopuma pantchito ndikofunikira. M'nkhaniyi, tikambirana za mutuwu kuti mupange zisankho zosavuta za nthawi yopuma komanso momwe mungawonjezere phindu lanu lopuma pantchito.

M'ndandanda wazopezekamo

• Chidule cha Zaka Zonse Zopuma Ntchito
• Kodi Zaka Zonse Zopuma Ntchito Zimakhudza Bwanji Mapindu a Social Security?
• Momwe Mungakulitsire Mapindu Anu Opuma pantchito
• Zitengera Zapadera
• Mafunso Ofunsidwa Kawirikawiri

Chidule cha Zaka Zonse Zopuma Ntchito

Ndi liti zaka zonse zopuma pantchito kwa munthu wobadwa mu 1957? Yankho lake ndi zaka 66 ndi miyezi 6.

Zaka zonse zopuma pantchito, zomwe zimadziwikanso kuti FRA, ku United States, ndi zaka zomwe munthu ali woyenera kulandira phindu lonse lopuma pantchito kuchokera ku Social Security Administration (SSA). 

Zaka zimasiyanasiyana malinga ndi chaka chobadwa, koma kwa iwo obadwa mu 1960 kapena mtsogolomo, zaka zonse zopuma pantchito ndi 67. Kwa omwe anabadwa chisanafike 1960, zaka zonse zopuma pantchito zimawonjezeka ndi miyezi ingapo chaka chilichonse. 

Kodi Age Retirement Age imakhudza bwanji phindu la Social Security?

Kumvetsetsa zaka zanu zonse zopuma pantchito n'kofunika kwambiri pokonzekera kupuma pantchito, chifukwa zimakhudza kuchuluka kwa malipiro omwe mungalandire mwezi uliwonse kuchokera ku Social Security.

Ngati munthu asankha kuyitanitsa mapindu opuma pantchito ya Social Security pamaso pa FRA yawo, phindu lawo la mwezi uliwonse lidzachepetsedwa. Kuchepetsa kumawerengedwa kutengera kuchuluka kwa miyezi munthuyo asanafike ku FRA yawo.

Mwachitsanzo, ngati FRA yanu ili ndi zaka 67 ndipo mutayamba kuitanitsa phindu pa 62, phindu lanu lopuma pantchito lidzachepetsedwa ndi 30%. Kumbali ina, kuchedwetsa mapindu anu opuma pantchito kupyola zaka zonse zopuma pantchito kungapangitse kuti phindu lanu liwonjezeke pamwezi.

Kuti mumvetsetse bwino, mutha kuyang'ana patebulo ili:

Kapena mutha kugwiritsa ntchito Social Security Administration's (SSA) Calculator ya Age Retirement.

Momwe Mungakulitsire Mapindu Anu Opuma pantchito

Mwa kukulitsa mapindu anu opuma pantchito, mutha kukhala ndi mtendere wamumtima wokhala ndi ndalama zokwanira kuti mukhale ndi moyo wabwino pazaka zanu zonse zopuma pantchito. 

Nazi malingaliro owonjezera mapindu anu mukapuma pantchito:

1. Gwirani ntchito kwa zaka zosachepera 35

Mapindu opuma pantchito a Social Security amawerengedwa kutengera zomwe mumapeza pazaka 35 zapamwamba kwambiri zantchito. Ngati muli ndi zaka zosakwana 35 zantchito, kuwerengeraku kuphatikizirapo malipiro a zaka ziro, zomwe zingachepetse phindu lanu.

2. Kuchedwetsa kufuna kuti Social Security apume pantchito

Monga tafotokozera pamwambapa, kuchedwetsa mapindu opuma pantchito ya Social Security mpaka mutakwanitsa zaka zonse zopuma pantchito kumatha kubweretsa phindu lalikulu pamwezi. Zopindulitsa zimatha kuwonjezeka mpaka 8% pachaka chilichonse chomwe mumachedwetsa kupitilira FRA yanu mpaka mutakwanitsa zaka 70. 

3. Khalani ndi Retirement Planning 

Ngati mwakonzekera kukonzekera ntchito Njira zosungira monga 401 (k) kapena IRA, onjezerani zopereka zanu. Kuchulukitsa zopereka zanu kumatha kukulitsa ndalama zomwe mumasungira mukapuma pantchito komanso kumachepetsa ndalama zomwe mumapeza.

4. Pitirizani kugwira ntchito

Kugwira ntchito pazaka zanu zonse zopuma pantchito kungapangitse ndalama zanu zopuma pantchito komanso phindu la Social Security. 

Kugwira ntchito mukulandira phindu la Social Security kale kuposa FRA yanu kungachepetse ndalama zomwe mumalandira chifukwa cha Mayeso opuma pantchito. 

Komabe, mutakwaniritsa FRA yanu, phindu lanu lopuma pantchito silidzachepetsedwa.

5. Konzekerani ndalama zothandizira zaumoyo komanso zadzidzidzi

Ndalama zothandizira zaumoyo ndi zochitika zadzidzidzi zingakhale zodula kwambiri panthawi yopuma pantchito. Pokonzekera zolipirira chithandizo chamankhwala ndi zochitika zadzidzidzi mukapuma pantchito, kumbukirani mfundo izi:

• Mvetserani chisamaliro chanu chaumoyo.
• Konzekerani chisamaliro chanthawi yayitali ndi inshuwaransi kapena kuyika pambali ndalama kuti mulipirire zomwe zingawononge nthawi yayitali.
• Pangani thumba lachuma kuti mulipirire ndalama zosayembekezereka zomwe zingabwere. 
• Ganizirani za akaunti yosungira thanzi (HSA) kuti musunge ndalama zothandizira zaumoyo panthawi yopuma pantchito.
• Samalirani thanzi lanu mwa kudya zakudya zopatsa thanzi, kuchita masewera olimbitsa thupi nthawi zonse, komanso kutsatira njira zopewera kupewa.

6. Pezani mlangizi wazachuma  

Kuchulukitsa mapindu anu opuma pantchito kumafuna kukonzekera bwino ndi kulingalira za mikhalidwe yanu. Kufunsana ndi mlangizi wazachuma kungakuthandizeni kupanga dongosolo lopuma pantchito lomwe limakulitsa mapindu anu ndikuwonetsetsa chitetezo chandalama pazaka zanu zopuma pantchito.

Zitengera Zapadera 

Sikochedwa kwambiri (kapena mochedwa kwambiri) kuti muphunzire za msinkhu wonse wopuma pantchito. Kumvetsetsa FRA ndi gawo lofunikira pokonzekera tsogolo lanu. Kudziwa nthawi yomwe mungatenge mapindu a Social Security ndi momwe zimakhudzira phindu lanu kungakuthandizeni kupanga zisankho zomveka bwino zapuma pantchito. 

Mafunso Ofunsidwa Kawirikawiri

Zambiri pa Kupuma pantchito

• Social Security Calculator
• Zofuna Kupuma pantchito

Ref: Bungwe la Social Security Administration (SSA)