Lilemo Tse Feletseng Tsa ho Tsoela Mosebetsing li Hlalositsoe: Qala ho Ithuta Hona Joale Bakeng sa Bokamoso bo Betere

Ke lilemo life ho tlohela mosebetsi ka botlalo? Hona ke hobane'ng ha u lokela ho hlokomela bohlokoa ba eona morerong oa ho tlohela mosebetsi? 

Hore na o qalong ea mosebetsi oa hau kapa o nahana ho lieha ho tlohela mosebetsi, ho bohlokoa ho utloisisa moelelo oa lilemo tse felletseng tsa ho tlohela mosebetsi le phello ea eona melemong ea hau ea ho tlohela mosebetsi. Sehloohong sena, re tla hlahloba sehlooho sena hore u etse liqeto habonolo mabapi le nako ea ho tlohela mosebetsi le hore na u ka eketsa melemo ea hau ea ho tlohela mosebetsi joang.

Tafole ea likateng

• Kakaretso ea Lilemo Tse Feletseng tsa ho Tsoa Mosebetsi
• Lilemo Tse Feletseng Tsa ho Tlohela Mosebetsi li Ama Melemo ea Tšireletso ea Sechaba Joang?
• Mokhoa oa ho eketsa melemo ea hau ea ho tlohela mosebetsi
• Litsela tsa bohlokoa
• Lipotso Asked hangata

Kakaretso ea Lilemo Tse Feletseng tsa ho Tsoa Mosebetsi

Lilemo tse felletseng tsa ho tlohela mosebetsi bakeng sa motho ea hlahileng ka 1957 ke neng? Karabo ke lilemo tse 66 le likhoeli tse 6.

Lilemo tse felletseng tsa ho tlohela mosebetsi, tse tsejoang hape e le FRA, United States, ke lilemo tseo ka tsona motho a tšoanelehang ho fumana melemo e felletseng ea ho tlohela mosebetsi ho tsoa ho Tsamaiso ea Ts'ireletso ea Sechaba (SSA). 

Lilemo li fapana ho ea ka selemo sa tsoalo, empa ho ba tsoetsoeng ka 1960 kapa hamorao, lilemo tse feletseng tsa ho tlohela mosebetsi ke 67. Bakeng sa ba tsoetsoeng pele ho 1960, lilemo tse feletseng tsa ho tlohela mosebetsi li eketseha ka likhoeli tse 'maloa selemo le selemo. 

Lilemo tse Feletseng tsa ho Pholisa Mosebetsi li ama melemo ea Ts'ireletso ea Sechaba joang?

Ho utloisisa lilemo tsa hau tsa ho tlohela mosebetsi ho bohlokoa bakeng sa moralo oa ho tlohela mosebetsi, kaha ho ama palo ea melemo ea khoeli le khoeli ea ho tlohela mosebetsi eo u ka e fumanang ho Social Security.

Haeba motho a khetha ho kopa melemo ea ho tlohela mosebetsi ea Social Security pele ho FRA ea bona, chelete ea bona ea khoeli le khoeli e tla fokotsoa. Phokotso e baloa ho latela palo ea likhoeli pele motho a fihla FRA ea hae.

Ka mohlala, haeba FRA ea hau e le 67 'me u qala ho kopa melemo ka 62, melemo ea hau ea ho tlohela mosebetsi e tla fokotseha ka 30%. Ka lehlakoreng le leng, ho liehisa melemo ea hau ea ho tlohela mosebetsi ho feta lilemo tse felletseng tsa ho tlohela mosebetsi ho ka baka phaello e eketsehileng ea khoeli le khoeli.

Bakeng sa kutloisiso e betere, o ka sheba tafole e latelang:

Kapa u ka sebelisa Social Security Administration's (SSA) Calculator ea lilemo tsa ho tlohela mosebetsi.

Mokhoa oa ho eketsa melemo ea hau ea ho tlohela mosebetsi

Ka ho eketsa melemo ea hau ea ho tlohela mosebetsi, u ka ba le khotso ea kelello e eketsehileng mabapi le ho ba le chelete e lekaneng ea ho phela ka boiketlo ho pholletsa le lilemo tsa hau tsa ho tlohela mosebetsi. 

Litlhahiso tse ling tsa ho eketsa melemo ea hau ea ho tlohela mosebetsi ke tsena:

1. Sebetsa bonyane lilemo tse 35

Melemo ea ho tlohela mosebetsi ea Ts'ireletso ea Sechaba e baloa ho latela moputso o tloaelehileng nakong ea lilemo tse 35 tse phahameng ka ho fetisisa tsa mosebetsi. Haeba u na le lilemo tse ka tlase ho 35 tsa mosebetsi, lipalo li tla kenyelletsa lilemo tsa moputso oa zero, e leng se ka fokotsang chelete ea hau ea melemo.

2. Ho lieha ho batla melemo ea ho tlohela mosebetsi ea Social Security

Joalokaha ho boletsoe ka holimo, ho lieha ho fumana melemo ea ho tlohela mosebetsi ho Social Security ho fihlela ka mor'a hore u fihlele Lilemo Tse Feletseng tsa ho Retirement ho ka fella ka phaello e phahameng ea khoeli le khoeli. Melemo e ka eketseha ka 8% bakeng sa selemo se seng le se seng ha u lieha ho feta FRA ea hau ho fihlela u fihla lilemong tsa 70. 

3. Ho ba le Retirement Planning 

Haeba u lokisetsa Moralo oa ho tlohela mosebetsi lits'ebetso tse nang le likhetho tsa ho boloka joalo ka 401 (k) kapa IRA, eketsa menehelo ea hau. Ho eketsa menehelo ea hau ho ka eketsa chelete eo u e bolokileng ha u tlohela mosebetsi 'me ho ka fokotsa chelete ea hau ea lekhetho.

4. Tsoela pele ho sebetsa

Ho sebetsa ho feta lilemo tsa hau tsa ho tlohela mosebetsi ho ka ntlafatsa chelete ea hau ea ho tlohela mosebetsi le melemo ea ts'ireletso ea Sechaba. 

Ho sebetsa ha u ntse u fumana melemo ea Ts'ireletso ea Sechaba pele ho FRA ea hau ho ka fokotsa chelete eo u e fumanang ka lebaka la Teko ea Meputso ea ho tlohela mosebetsi. 

Leha ho le joalo, ka mor'a hore u fihlele FRA ea hau, melemo ea hau ea ho tlohela mosebetsi e ke ke ea hlola e fokotseha.

5. Rera litšenyehelo tsa tlhokomelo ea bophelo le maemo a tšohanyetso

Litšenyehelo tsa tlhokomelo ea bophelo bo botle le maemo a tšohanyetso e ka ba litšenyehelo tse kholo nakong ea ho tlohela mosebetsi. Ho rera litšenyehelo tsa tlhokomelo ea bophelo le maemo a tšohanyetso ka mor'a ho tlohela mosebetsi, hopola lintlha tse latelang:

• Utloisisa tšireletso ea hau ea bophelo bo botle.
• Etsa moralo oa tlhokomelo ea nako e telele ka inshorense kapa ho behella ka thōko chelete ea ho lefella litšenyehelo tsa nako e telele tsa tlhokomelo.
• Theha letlole la maemo a tšohanyetso ho koahela litšenyehelo tse sa lebelloang tse ka hlahang. 
• Nahana ka akhaonto ea polokelo ea bophelo (HSA) ho boloka litšenyehelo tsa tlhokomelo ea bophelo nakong ea ho tlohela mosebetsi.
• Hlokomela bophelo ba hao ka ho ja lijo tse matlafatsang, ho ikoetlisa kamehla, le ho lula u le morao-rao le mekhoa ea thibelo.

6. Fumana moeletsi oa lichelete  

Ho eketsa melemo ea hau ea ho tlohela mosebetsi ho hloka moralo o hlokolosi le ho nahanela maemo a hau. Ho buisana le moeletsi oa lichelete ho ka u thusa ho theha moralo oa ho tlohela mosebetsi o tla eketsa melemo ea hau le ho netefatsa ts'ireletso ea lichelete nakong ea lilemo tsa hau tsa ho tlohela mosebetsi.

Litsela tsa bohlokoa 

Ha ho mohla e leng pele haholo (kapa morao haholo) ho ithuta ka lilemo tse felletseng tsa ho tlohela mosebetsi. Ho utloisisa FRA ke karolo ea bohlokoa ea ho itokisetsa bokamoso ba hau. Ho tseba hore na u ka kopa melemo ea Social Security le hore na e ama chelete ea phaello joang ho ka u thusa ho etsa liqeto tse nepahetseng mabapi le ho tlohela mosebetsi. 

Lipotso Asked hangata

Tse ling ka ho Pholisa

• Sebali sa Ts'ireletso ea Sechaba
• Litakatso tsa ho tlohela mosebetsi

Ref: Ts'ireletso ea Ts'ireletso ea Sechaba (SSA)