Retirement Planning ibasa rakakosha risingafaniri kudziviswa kana kuregeredzwa muhupenyu hwemunhu wese. Hazvisati zvanyanya kukasika kuti utange kuronga zvekuenda pamudyandigere, sezvo zvichiita kuti uve nehupenyu hwakanaka pasina kunetseka nemari mumakore anotevera. Kunyangwe iwe wakapfuma izvozvi, hapana anogona kufanotaura zvichauya (sedenda reCovid-19 makore maviri apfuura). Saka kuchenjera kugara wakagadzirira.
Kuronga pamudyandigere ndiyo nzira yakanakisa yekuve nechokwadi chekuti makore ako egoridhe anonakidza uye asina kushushikana. Mune ino blog post, isu tichazama zvakadzama mukukosha kwekuronga pamudyandigere uye matanho ekuti ungatanga sei.
Ngatitangei!
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Mazano eKuroorana Zvirinani
Chii chinonzi Retirement Planning?
Kuronga pamudyandigere ndiyo nzira yaunosarudza nayo zvinangwa zvako zvekurega basa uye kugadzira hurongwa hwemari hwekuzadzisa izvo zvinangwa. Kuti uve nehurongwa hwakakwana hwekurega basa, unofanirwa kutora matanho matatu:
- Ongorora mamiriro ako emari aripo;
- Kufungidzira mutengo waunoda mune ramangwana;
- Gadzira zano rekuti uve nechokwadi chekuti une mari yakakwana yekuchengetedza mararamiro ako aunoda mushure mekuenda pamudyandigere.
Kuronga pamudyandigere kunopa kuchengetedzeka kwemari uye rugare rwepfungwa mukati memakore ako egoridhe. Inokubvumira "kurarama" hupenyu hwaunoda uye kuzadzisa zvinangwa zvako pasina kushanda kuti uchengetedze hupenyu hwakagadzikana. Iwe unogona kufamba zvakanaka, kutsvaga mafaro kana kupedza nguva nevadikani.
Pane zvakasiyana-siyana zvekuronga zvekurega basa, zvakadai sezvirongwa zvepenjeni, maakaunti ekurega basa (IRAs), uye 401 (k) zvirongwa. Zvose zvinokubatsira kuti unakidzwe nekuchengeteka kwemari uye rugare rwepfungwa mukati memakore ako ekurega basa. Nekudaro, isu tichachera zvakadzama mumhando idzi dzezvirongwa zvekurega basa muzvikamu zvinotevera.
Imarii Yaunoda PaKurega?
Yakawanda sei yaunoda kuchengetedza yekuenda pamudyandigere zvinoenderana nemamiriro ako nezvinangwa. Saka, nzira yakanakisa yekuona kuti imarii mari yekushandisa pane izvi ndeyekushanda nemupi wezano wezvemari kugadzira chirongwa chekurega basa chinosangana nezvido zvako.
Nekudaro, hezvino zvimwe zvinhu zvinogona kukubatsira kuona kuti yakawanda sei yaunoda kuchengetedza:
- Zvinangwa zvekurega basa uye mararamiro: Funga nezvemhando yemararamiro aungade kuve nawo mukurega basa. Wobva wanyora kuti imarii yauchada kubhadhara izvi.
- Inofungidzirwa mari: Ongorora zvauchashandisa mune remangwana, zvinosanganisira hutano, pekugara, chikafu, chekufambisa, uye zvimwe zvekushandisa pakurarama.
- Makore ekurarama: Zvinonzwika zvinosiririsa, asi chokwadi ndechekuti unofanirwa kufunga nezvenhoroondo yemhuri yako uye hutano hwazvino kuti uwane fungidziro yehupenyu hwako. Zvichakubatsira kuona kuti uchada mari yako yekurega basa kwenguva yakareba sei.
- Inflation: Inflation inogona kukanganisa kukosha kwemari yako yawakachengeta nekufamba kwenguva, saka zvakakosha kuti uzvidavirire pamusoro pematanho ekukwira kwemitengo pamari yaunenge wachengeta pamudyandigere.
- Zera rekurega basa: Zera raunoronga kuenda pamudyandigere rinogona kukanganisawo mari yaunoda kuchengetedza. Ukakurumidza kuenda pamudyandigere, ndipo paunozoda kuti mari yako yaunochengeta pamudyandigere igare.
- Social Security inobatsira: Funga kuti yakawanda sei yauchawana kubva kuSocial Security mabhenefiti uye kuti izvo zvichakanganisa sei mari yako yekurega basa.
- Return on investment: Haasi munhu wese ane ma investments. Nekudaro, kudzoka pakudyara kwako kwekudyara kunogona kukanganisawo mari yaunoda kuchengetedza. Kudzoka kwepamusoro kunogona kureva kuti unoda kuchengetedza zvishoma, nepo kudzoka kwakaderera kungareva kuti unoda kuchengetedza zvakawanda.
Imwe nzira yekuona kuti imarii yaunoda mukurega ndeyekushandisa Mitemo yeChigunwe: Isa parutivi ingangoita gumi neshanu muzana yemari yako yekuenda kumba yekuenda pamudyandigere.
Pakupedzisira, unogona kutarisa kune mabhenji ekuchengeta maererano nezera pazasi kuti uone kuti yakawanda sei yaunoda kugadzirira.
Rangarira kuti zviri pamusoro apa igwara rakajairika chete uye zvido zvako zvekuchengetedza pamudyandigere zvinogona kusiyana.
4 Yakajairwa Retirement Zvirongwa Muna 2023
Heano mamwe eakanakisa hurongwa hwekurega basa iwe kuti ufunge:
1/ 401(k) Ronga
Ichi chirongwa chekuchengetedza pamudyandigere chinopihwa newaunoshandira chinokutendera kuti upe mari isati yatanga mutero kubva pamubhadharo wako kuaccount yekudyara. Masangano akati wandei anopawo mipiro inoenderana kuti ikubatsire kuronga ramangwana.
2/ 403b Retirement Plan
Kuronga pamudyandigere ne403(b) chirongwa isarudzo yakanaka kune vashandi vemasangano asingabhadhare mutero. Chirongwa ichi chinopihwa chete nemasangano asingabhadhare mutero akadai sezvikoro zveveruzhinji, mayunivhesiti, uye masangano asingabatsiri.
Zvakafanana ne401 (k) Plan, iyo 403 (b) chirongwa chinokubvumira kuti upe mari isati yasvika mutero kubva pamuhoro wako kuenda kuaccount account. Mipiro uye mihoro inokura isina mutero kudzamara wabvisa mari yacho pakurega.
3/ Individual Retirement Account (IRA)
An Individual Retirement Account (IRA) imhando yeakaundi yekurega basa iwe yaunogona kuvhura wega kana kuburikidza nesangano rezvemari. Kusiyana ne401 (k) kana 403 (b) chirongwa, IRA haina kupihwa nemushandirwi. Inogona kunyanya kubatsira kune vanhu vanozvishandira kana avo vanoshanda nguva shoma.
Uye zvakare, iwe unogona kusarudza pakati pechinyakare IRA, iyo inopa mutero-yakadzoserwa mipiro, kana Roth IRA, iyo inopa mutero-yemahara kubvisa mukurasira.
4/ Pension plan
Chirongwa chepenjeni imhando yehurongwa hwekurega basa hunotsigirwa nemushandirwi. Yakagadzirirwa kupa vashandi mari yakavimbiswa yekurega zvichienderana nemuhoro wavo uye makore ebasa nekambani.
Nechirongwa chemudyandigere, iwe hauwanzo kupa mipiro kumudyandigere uchizvichengetedza. Pane kudaro, wako waunoshandira ane basa rekugadzirisa mabhenefiti uye nekuona kuti vane mari yakakwana muchirongwa chekubhadhara mabhenefiti ekurega basa.
Ndinotanga Sei Kuronga Retirement?
Kutanga kuronga pamudyandigere kunogona kuita sekurema, asi zvakakosha kuti utange nekukurumidza sezvinobvira. Heano mamwe mazano ekuti iwe utange:
1/ Isa zvinangwa zvekurega basa
Tanga nekuisa zvinangwa zvekuenda pamudyandigere, uchitanga nemibvunzo yakaita seiyi:
- Ndirini pandinoda kuenda pamudyandigere (makore mangani)?
- Imararamiro api andinoda kuva nawo?
- Ndeapi mabasa andinoda kuita?
Iyi mibvunzo inokupa pfungwa yakajeka yekuti imarii yaunoda kuchengetedza uye kuti ndeapi marudzi ekudyara aungade. Kunyange zvingave zvakaoma kuona ikozvino, zvichakubatsira iwe kuziva chinangwa chako chaicho uye kuchengetedza kunyange 1% zviri nani zuva rega rega.
Kana kuti iwe unogona kuseta otomatiki kuchinjirwa kwekuronga kwako pamudyandigere. Iyo inzira yakanaka yekuita shuwa kuti unogara uchipa kumaakaundi ako ekurega basa.
2/ Estimate Retirement Expenses
Fungidzira kuti imarii yauchazoda mukurega basa nekutarisa mari yako yemazuva ano uye kuti inogona kuchinja sei mukurega basa. Unogona kushandisa online retirement calculator kuti ikubatsire kuenzanisa mari yako yemudyandigere.
Nekudaro, dzimwe nyanzvi dzinokurudzira kutsiva 70% kusvika 90% yemari yako yegore usati waenda pamudyandigere uchishandisa savings uye Social Security.
3/ Verenga Retirement Income
Sarudza kuti imarii mari yemudyandigere yaungatarisira kubva kune masosi seSocial Security, penjeni, uye mari. Mari yese inozobatsira kuona kuti imarii yakawedzerwa mari yaunoda kuti usvike pazvinangwa zvako zvekurega basa.
Zvadaro, unogona kuzvienzanisa nemari yako inofungidzirwa yekurega basa kuti uone kana iwe uchida kuchengetedza imwe mari.
4/ Gadzira chirongwa chekurega basa
Kana uchinge wava nezvinangwa zvako zvekurega basa, mari inofungidzirwa, uye mari inotarisirwa, gadzira hurongwa hwekuchengetedza pamudyandigere zvichibva pazviri.
Iwe unogona kutarisa zvakasiyana-siyana zvekuchengetedza mari yekurega zviripo, zvakadai sezvirongwa zvekurega basa zvinotsigirwa nemushandirwi, maakaunti ekurega basa (IRAs), uye maakaundi ekutsvaga mari. Vavarira kuchengetedza inokwana 15% yemari yako yekurega basa.
5/ Ongorora uye gadzirisa nguva dzose
Kugara uchiongorora uye kugadzirisa hurongwa hwako hwekurega basa kwakakosha kuti urambe uri munzira yekuzadzisa zvinangwa zvako zvekurega basa. Hezvino zvimwe zvikonzero nei uchifanira kuongorora uye kugadzirisa chirongwa chako nguva nenguva:
- Shanduko muhupenyu hwako hwakadai semuchato, shanduko yebasa, uye nyaya dzehutano zvinogona kukanganisa mari yako yekurega basa.
- Shanduko muhupfumi uye mamiriro ekudyara (semuenzaniso kuderera)
- Shanduko muzvinangwa zvako zvekurega basa. Somuenzaniso, ungasarudza kurega basa nokukurumidza kana kuti gare gare kupfuura zvawaronga pakutanga, kana kuti ungada kugadzirisa mararamiro ako ekurega basa.
Kana uri kutadza kuita zvinangwa zvako, edza kuwedzera mipiro yako, kushandura nzira yako yekudyara, kana kudzokorora zvirongwa zvako zvekurega basa.
6/ Funga kushanda nemupi wezano wezvemari
Sezvambotaurwa pamusoro apa, nzira yakanakisa yekubudirira kuronga pamudyandigere ndeyekuva nemupi wemazano wezvemari. Chipangamazano wezvemari anogona kukubatsira iwe kugadzira hurongwa hwekurega basa uye nekupa gwara pamatanho ekudyara, kuronga mutero, uye mimwe misoro yekuronga pamudyandigere.
Uye pakusarudza mupi wezano wezvemari, tsvaga mumwe munhu ane ruzivo mukuronga zvekurega basa uye ane fiduciary basa rekuita mukufarira kwako.
Zvitsva Zvitsva
Kuronga pamudyandigere chinhu chakakosha chehupenyu hwako hwemari chinoda kunyatsotariswa uye kufunga zvine hungwaru. Nekutanga nekukurumidza, kusarudza zvibodzwa zvako zvekurega basa, kuchengetedza nguva dzose, kusiyanisa mari yako, uye kuongorora uye kugadzirisa hurongwa hwako nguva nenguva, unogona kushanda kuti uwane mudyandigere wakasununguka uye wakachengeteka mune zvemari.
Kana iwe uchitsvaga ine simba uye inobata nzira yekudzidzisa vamwe nezvekukosha kwekuronga pamudyandigere, Vampire inogona kubatsira! Neyedu zvinhu zvinofambidzana uye customizable templates, unogona kugadzira mharidzo dzinonakidza uye dzinodzidzisa dzinobata pfungwa dzevateereri vako uye kuvakurudzira kuti vave nezvinangwa zvekuronga pamudyandigere.
Tanga kuronga pamudyandigere nhasi uye tora danho rekutanga kune ramangwana rakachengeteka mune zvemari!
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