Zera Rakazara Remudyandigere Rinotsanangurwa: Tanga Kudzidza Iye Zvino kune Ramangwana Rakanaka

Izera ripi kuzorora kwemakore? Uye nei uchifanira kuziva kukosha kwayo mukuronga pamudyandigere? 

Kunyangwe iwe uri pakutanga kwebasa rako kana kufunga kunonoka kuenda pamudyandigere, kunzwisisa zvinorehwa nezera rakazara rekurega basa uye zvazvinoita pamabhenefiti ako emudyandigere zvakakosha. Muchinyorwa chino, tichaongorora nyaya iyi kuti iwe uite sarudzo dziri nyore nezve nguva yekuenda pamudyandigere uye kuti ungawedzera sei mabhenefiti ako emudyandigere.

Zviri Mukati

• Mhedziso Yezera Rakazara Remudyandigere
• Zera Rakazara Remudyandigere Rinokanganisa Sei Mabhenefiti eSocial Security?
• Maitiro Ekuwedzera Mabhenefiti ako ekurega basa
• Zvitsva Zvitsva
• Mibvunzo Inonyanya Kubvunzwa

Mhedziso Yezera Rakazara Remudyandigere

Nderipi zera rakazara remudyandigere kune munhu akazvarwa muna 1957? Mhinduro ndeye makore 66 nemwedzi mitanhatu.

Zera rakazara remudyandigere, rinozivikanwawo seFRA, muUnited States, ndiro zera iro munhu anokodzera kuwana mabhenefiti akazara ekurega basa kubva kuSocial Security Administration (SSA). 

Zera rinosiyana zvichienderana negore rekuberekwa, asi kune avo vakazvarwa muna 1960 kana kuti gare gare, nguva yakazara yekurega basa ndeye 67. Kune avo vakazvarwa vasati vasvika 1960, nguva yakazara yekurega basa inowedzera nemwedzi yakawanda gore negore. 

Ko Iyo Yakazara Retirement Zera inobata sei Social Security mabhenefiti?

Kunzwisisa zera rako rakazara rekurega basa kwakakosha pakuronga pamudyandigere, nekuti zvinokanganisa huwandu hwemwedzi wega wega wekurega waunowana kubva kuSocial Security.

Kana munhu akasarudza kutora Social Security retirement benefits pamberi peFRA yavo, mari yavo yepamwedzi yemubhadharo ichaderedzwa. Kuderedzwa kunoverengerwa zvichienderana nenhamba yemwedzi munhu asati asvika kuFRA yavo.

Semuenzaniso, kana FRA yako iine makumi matanhatu nemanomwe uye iwe unotanga kutora mabhenefiti pamakumi matanhatu nemaviri, yako yekurega basa ichaderedzwa kusvika ku67%. Nekune rimwe divi, kunonoka kubatsirikana kwako kupfuura zera rakazara remudyandigere kunogona kukonzera kuwanda kwemari yekubatsirikana pamwedzi.

Kuti unzwisise zviri nani, unogona kutarisa tafura inotevera:

Kana iwe unogona kushandisa iyo Social Security Administration's (SSA) Retirement Age Calculator.

Maitiro Ekuwedzera Mabhenefiti ako ekurega basa

Nekuwedzera mabhenefiti ako emudyandigere, unogona kuva nerunyararo rwepfungwa nezvekuva nemari yakakwana yekugara zvakanaka mukati memakore ako ekurega basa. 

Heano mamwe mazano ekuwedzera mabhenefiti ako ekurega basa:

1. Shanda kweanenge makore makumi matatu nemashanu

Social Security retirement benefits inoverengerwa zvichienderana neavhareji yaunowana mukati memakore ako epamusoro makumi matatu nemashanu ebasa. Kana uine makore asingasviki makumi matatu nemashanu ebasa, kuverenga kuchasanganisira makore emuhoro we zero, izvo zvinogona kuderedza mari yako yekubatsirika.

2. Kunonoka kutora Social Security retirement benefits

Sezvambotaurwa pamusoro apa, kunonoka Social Security retirement benefits kusvikira wasvika Full Retirement Age kunogona kuguma nemari yepamusoro yepamwedzi. Mabhenefiti anogona kuwedzera kusvika pa8% pagore rega rega raunononoka kupfuura FRA yako kusvika wasvika zera re70. 

3. Iva neRetirement Planning 

Kana ukagadzirira kuronga pamudyandigere maitiro ane sarudzo dzekuchengetedza dzakadai se401 (k) kana IRA, wedzera mipiro yako. Kuwedzera mipiro yako kunogona kuwedzera mari yako yekurega basa uye zvinogona kuderedza mari yako yemutero.

4. Ramba uchishanda

Kushanda pamusoro peZera rako Rekurega Retirement kunogona kuvandudza mari yako yekurega uye Social Security mabhenefiti. 

Kushanda uchigamuchira Social Security mabhenefiti pamberi peFRA yako inogona kuderedza mari yaunogamuchira nekuda kwe Retirement Earnings Test. 

Nekudaro, mushure mekunge wawana FRA yako, mabhenefiti ako ekurega basa haachazodzikiswa.

5. Ronga mari dzehutano uye dzenjodzi

Mari yehutano hwehutano uye emergency inogona kuve yakakosha mari panguva yekuenda pamudyandigere. Kuronga mari yehutano uye emergency mushure mekurega basa, chengeta zvinotevera pfungwa mupfungwa:

• Nzwisisa hutano hwehutano hwako.
• Ronga kutarisira kwenguva refu neinishuwarenzi kana kuisa parutivi mari yekuvhara mari yenguva refu yekuchengeta.
• Vaka homwe yechimbichimbi yekubhadhara mari isingatarisirwe ingangomuka. 
• Funga nezveakaundi yekuchengetedza hutano (HSA) kuchengetedza mari yekuchengetedza hutano panguva yekuenda pamudyandigere.
• Chengetedza hutano hwako nekudya zvinovaka muviri, kurovedza muviri nguva dzose, uye kugara uchifambirana nenguva nedziviriro.

6. Tsvaga mupi wezano wezvemari  

Kuwedzera mabhenefiti ako ekurega basa kunoda kunyatsoronga uye kufunga nezvemamiriro ako ezvinhu. Kubvunzana nemupi wezano wezvemari kunogona kukubatsira iwe kugadzira hurongwa hwekurega basa hunowedzera mabhenefiti ako uye hunova nechokwadi chekuchengetedzeka kwemari mukati memakore ako emudyandigere.

Zvitsva Zvitsva 

Hazvina kumbobvira zvakanyanya (kana kunonoka) kudzidza nezvezera rakazara rekurega basa. Kunzwisisa FRA chikamu chakakosha chekugadzirira ramangwana rako. Kuziva nguva yaunokwanisa kutora mabhenefiti eSocial Security uye kuti inobata sei mari yemubhadharo inogona kukubatsira kuita sarudzo dzine ruzivo nezve pamudyandigere wako. 

Mibvunzo Inonyanya Kubvunzwa

Zvimwe pane Retirement

• Social Security Calculator
• Retirement Wishes

Ref: Yemagariro Kuchengetedzwa Kwekutonga (SSA)