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
| Gore Rako Rekuzvarwa | Zera Rakazara Remudyandigere (FRA) |
| 1943 - 1954 | 66 |
| 1955 | 66 + 2 mwedzi |
| 1956 | 66 + 4 mwedzi |
| 1957 | 66 + 6 mwedzi |
| 1958 | 66 + 8 mwedzi |
| 1959 | 66 + 10 mwedzi |
| 1960 uye gare gare | 67 |
Kunobva: Social Security Administration (SSA)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.
Izera ripi zera rose rekurega basa? Uye nei uchifanira kuziva kukosha kwayo mukuronga pamudyandigere? 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:
Kunobva: Social Security Administration (SSA)Kana iwe unogona kushandisa iyo Social Security Administration's (SSA) Retirement Age Calculator.
Unoda kuongorora timu yako paRetirement Policy!
Shandisa mibvunzo nemitambo pa AhaSlides kugadzira ongororo inonakidza uye inopindirana, kuunganidza maonero eruzhinji kubasa munguva pfupi pfupi!
🚀 Gadzira Ongororo Yemahara☁️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.
Source: Yemagariro Kuchengetedzwa Kwekutonga (SSA)3. Iva neRetirement Planning
Kana ukagadzirira kuronga pamudyandigeremaitiro 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.
Hazvisati zvanyanya kukasika kudzidza nezvezera rakazara rekurega basa. Mufananidzo: freepikZvitsva 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
Ndeipi zera rakazara remudyandigere (FRA)?
Zera rakazara remudyandigere, rinozivikanwawo seFRA, muUnited States, ndiro zera iro munhu anokodzera kuwana mabhenefiti akazara ekurega basa kubva kuSocial Security Administration (SSA).
Ndeipi 100% yezera rekurega basa?
Inguva yakazara yekurega basa (FRA).
Izera ripi zera rose rekurega basa?
Kana iwe wakazvarwa muna 1960 kana gare gare.
Sei zvakakosha kuziva nezvezera rakazara rekurega basa?
Zvakakosha kuziva nezvezera rakakwana rekurega basa (FRA) nokuti ichi ndicho chinhu chikuru pakuziva kuti iwe unogona kutanga rini kugamuchira Social Security retirement benefits uye kuti uchawana yakawanda sei.
Zvimwe pane Retirement
Ref: Yemagariro Kuchengetedzwa Kwekutonga (SSA)
Tags: mudyandigere
