Ingakanani iminyaka iminyaka ephelele yokuthatha umhlalaphansi? Futhi kungani kufanele uqaphele ukubaluleka kwayo ekuhleleni umhlalaphansi?
Kungakhathaliseki ukuthi usekuqaleni komsebenzi wakho noma ucabangela ukubambezela ukuthatha umhlalaphansi, ukuqonda incazelo yeminyaka ephelele yokuthatha umhlalaphansi kanye nomthelela wako ezinzuzweni zakho zokuthatha umhlalaphansi kubalulekile. Kulesi sihloko, sizohlola lesi sihloko ukuze wenze izinqumo zibe lula mayelana nesikhathi sokuthatha umhlalaphansi kanye nendlela yokukhulisa izinzuzo zakho zokuthatha umhlalaphansi.
Okuqukethwe
- Uhlolojikelele Lweminyaka Egcwele Yokuthatha Umhlalaphansi
- Iminyaka Egcwele Yokuthatha Umhlalaphansi Izithinta Kanjani Izinzuzo Zokuvikeleka Komphakathi?
- Indlela Yokwandisa Izinzuzo Zakho Zomhlalaphansi
- Izitoreji Eziyinhloko
- imibuzo ejwayelekile ukubuzwa
Uhlolojikelele Lweminyaka Egcwele Yokuthatha Umhlalaphansi
| Unyaka Wakho Wokuzalwa | Iminyaka Egcwele Yokuthatha Umhlalaphansi (FRA) |
| 1943 - 1954 | 66 |
| 1955 | 66 + 2 izinyanga |
| 1956 | 66 + 4 izinyanga |
| 1957 | 66 + 6 izinyanga |
| 1958 | 66 + 8 izinyanga |
| 1959 | 66 + 10 izinyanga |
| 1960 futhi kamuva | 67 |
Umthombo: I-Social Security Administration (SSA)Inini iminyaka ephelele yokuthatha umhlalaphansi yomuntu owazalwa ngo-1957? Impendulo yiminyaka engu-66 nezinyanga ezingu-6 ubudala.
Iminyaka yobudala ephelele yokuthatha umhlalaphansi, eyaziwa nangokuthi i-FRA, e-United States, iminyaka umuntu afaneleka ngayo ukuthola izinzuzo ezigcwele zokuthatha umhlalaphansi ezivela ku-Social Security Administration (SSA).
Iminyaka iyahlukahluka kuye ngokuthi unyaka wokuzalwa, kodwa kulabo abazalwa ngo-1960 noma kamuva, iminyaka egcwele yokuthatha umhlalaphansi ingu-67. Kulabo abazalwa ngaphambi kuka-1960, iminyaka egcwele yokuthatha umhlalaphansi iyanda ngezinyanga ezimbalwa unyaka ngamunye.
Ingakanani iminyaka yobudala ephelele yokuthatha umhlalaphansi? Futhi kungani kufanele uqaphele ukubaluleka kwayo ekuhleleni umhlalaphansi? Ingabe Iminyaka Egcwele Yokuthatha Umhlalaphansi inathonya kanjani izinzuzo Zokuvikeleka Komphakathi?
Ukuqonda iminyaka yakho ephelele yokuthatha umhlalaphansi kubalulekile ekuhleleni umhlalaphansi, njengoba kuthinta inani lezinzuzo zanyanga zonke zomhlalaphansi ongazithola ku-Social Security.
Uma umuntu ekhetha ukufuna izinzuzo zomhlalaphansi ze-Social Security ngaphambi kwe-FRA yakhe, inani lenzuzo yakhe yanyanga zonke lizoncishiswa. Ukwehliswa kubalwa ngokusekelwe enanini lezinyanga ngaphambi kokuba umuntu afinyelele ku-FRA yakhe.
Isibonelo, uma i-FRA yakho ingama-67 futhi uqala ukufuna izinzuzo uma usuneminyaka engu-62, umhlomulo wakho womhlalaphansi uzokwehliswa kuze kufike ku-30%. Ngakolunye uhlangothi, ukubambezeleka kwezinzuzo zakho zokuthatha umhlalaphansi ngaphezu kweminyaka egcwele yokuthatha umhlalaphansi kungaholela ekwenyukeni kwenani lenzuzo yanyanga zonke.
Ukuze uthole ukuqonda okungcono, ungabheka ithebula elilandelayo:
Umthombo: I-Social Security Administration (SSA)Noma ungasebenzisa i-Social Security Administration's (SSA) Isibali Seminyaka Yomhlalaphansi.
Udinga ukuhlola ithimba lakho ngeNqubomgomo Yokuthatha Umhlalaphansi!
Sebenzisa imibuzo nemidlalo kuvuliwe AhaSlides ukudala inhlolovo ejabulisayo nesebenzisanayo, ukuqoqa imibono yomphakathi emsebenzini ngesikhathi esifushane!
🚀 Dala inhlolovo yamahhala☁️Indlela Yokwandisa Izinzuzo Zakho Zomhlalaphansi
Ngokwandisa izinzuzo zakho zokuthatha umhlalaphansi, ungaba nokuthula kwengqondo okwengeziwe ngokuba nemali eyanele ukuze uphile ngokunethezeka phakathi neminyaka yakho yokuthatha umhlalaphansi.
Nazi ezinye iziphakamiso zokwandisa izinzuzo zakho zokuthatha umhlalaphansi:
1. Sebenza okungenani iminyaka engama-35
Izinzuzo zokuthatha umhlalaphansi Zokuvikeleka Komphakathi zibalwa ngokusekelwe emalini oyitholayo emaphakathi phakathi neminyaka yakho engama-35 ephezulu yokusebenza. Uma uneminyaka engaphansi kwengama-35 yokusebenza, ukubala kuzohlanganisa iminyaka eyiziro, okungase kwehlise inani lenzuzo yakho.
2. Ukubambezeleka ukufuna izinzuzo zomhlalaphansi Zokuvikeleka Komphakathi
Njengoba kushiwo ngenhla, ukubambezeleka kwezinzuzo zomhlalaphansi Zokuvikeleka Komphakathi kuze kube ngemva kokufinyelela Iminyaka Egcwele Yokuthatha Umhlalaphansi kungase kuphumele enanini lenzuzo lenyanga eliphakeme. Izinzuzo zingakhuphuka ngokufika ku-8% ngonyaka ngamunye obambezeleka ngaphezu kwe-FRA yakho uze ufinyelele eminyakeni yobudala engama-70.
Source: Ukuphathwa Kwezokuphepha Komphakathi (i-SSA)3. Yiba ne-Retirement Planning
Uma ulungiselela ukuhlelela umhlalaphansiizinqubo ezinezinketho zokulondoloza ezifana ne-401(k) noma i-IRA, zandisa iminikelo yakho. Ukwandisa iminikelo yakho kungakhuphula ukonga kwakho kokuthatha umhlalaphansi futhi kungase kunciphise imali engenayo ekhokhiswa intela.
4. Qhubeka nokusebenza
Ukusebenza ngaphezu Kweminyaka Egcwele Yokuthatha Umhlalaphansi kungase kuthuthukise ukonga kwakho kokuthatha umhlalaphansi kanye nezinzuzo Zokuvikeleka Komphakathi.
Ukusebenza ngenkathi uthola izinzuzo Zokuvikeleka Komphakathi ngaphambi kwe-FRA yakho kunganciphisa inani oyitholayo ngenxa Ukuhlolwa Kwezinzuzo Zomhlalaphansi.
Nokho, ngemva kokuthola i-FRA yakho, izinzuzo zakho zokuthatha umhlalaphansi ngeke zisancishiswa.
5. Hlela izindleko zokunakekelwa kwezempilo kanye nezimo eziphuthumayo
Izindleko zokunakekelwa kwempilo kanye nezimo eziphuthumayo zingaba izindleko ezinkulu ngesikhathi sokuthatha umhlalaphansi. Ukuze uhlelele izindleko zokunakekelwa kwezempilo kanye nezimo eziphuthumayo ngemva kokuthatha umhlalaphansi, gcina amaphuzu alandelayo engqondweni:
- Qonda usizo lwakho lwezempilo.
- Hlela ukunakekelwa kwesikhathi eside ngomshwalense noma ubeke eceleni izimali zokukhokhela izindleko zokunakekela zesikhathi eside ezingase zibe khona.
- Yakha isikhwama sezimo eziphuthumayo ukuze ukhokhele izindleko ezingalindelekile ezingase zivele.
- Cabangela i-akhawunti yokonga impilo (HSA) ukuze ulondolozele izindleko zokunakekelwa kwezempilo ngesikhathi sokuthatha umhlalaphansi.
- Nakekela impilo yakho ngokudla ukudla okunempilo, ukuzivocavoca njalo, nokuhlala unolwazi lwakamuva ngezokuvikela.
6. Thola umeluleki wezezimali
Ukwandisa izinzuzo zakho zomhlalaphansi kudinga ukuhlela ngokucophelela nokucabangela izimo zakho. Ukubonisana nomeluleki wezezimali kungakusiza wenze uhlelo lomhlalaphansi olukhulisa izinzuzo zakho futhi luqinisekise ukuvikeleka ngokwezimali phakathi neminyaka yakho yokuthatha umhlalaphansi.
Akukaze kusheshe kakhulu ukufunda ngeminyaka yokuthatha umhlalaphansi ngokugcwele. Isithombe: freepikIzitoreji Eziyinhloko
Akukaze kusheshe kakhulu (noma kuphuze kakhulu) ukufunda ngeminyaka ephelele yokuthatha umhlalaphansi. Ukuqonda i-FRA kuyingxenye ebalulekile yokulungiselela ikusasa lakho. Ukwazi ukuthi ungazifuna nini izinzuzo Zokuvikeleka Komphakathi nokuthi lithinta kanjani inani lenzuzo kungakusiza wenze izinqumo ezinolwazi mayelana nomhlalaphansi wakho.
imibuzo ejwayelekile ukubuzwa
Ithini iminyaka egcwele yokuthatha umhlalaphansi (FRA)?
Iminyaka yobudala ephelele yokuthatha umhlalaphansi, eyaziwa nangokuthi i-FRA, e-United States, iminyaka umuntu afaneleka ngayo ukuthola izinzuzo ezigcwele zokuthatha umhlalaphansi ezivela ku-Social Security Administration (SSA).
Iyini iminyaka engu-100% yokuthatha umhlalaphansi?
Yiminyaka egcwele yokuthatha umhlalaphansi (FRA).
Ingakanani iminyaka yobudala ephelele yokuthatha umhlalaphansi?
Uma wazalwa ngo-1960 noma kamuva.
Kungani kubalulekile ukwazi ngeminyaka ephelele yokuthatha umhlalaphansi?
Kubalulekile ukwazi ngeminyaka ephelele yokuthatha umhlalaphansi (FRA) ngoba lesi yisici esiyinhloko ekunqumeni ukuthi ungaqala nini ukuthola izinzuzo zomhlalaphansi ze-Social Security nokuthi uzothola malini.
Okuningi ngoMhlalaphansi
Ref: Ukuphathwa Kwezokuphepha Komphakathi (i-SSA)
Omaka: Umhlalaphansi
