Kusankha kusiya ntchito ndi chisankho chachikulu osati chopepuka.
Muyenera kuganizira ubwino ndi kuipa kwa kusiya ntchito, komanso mmene ndalama zanu zilili, musanasankhe zimenezi. Mutha kukhala pafupi ndi zaka zopuma pantchito kapena mwapuma kale pantchito, komabe mukudabwa ngati mwasankha nthawi yoyenera yopuma pantchito.
Khazikani mtima pansi. Ziribe kanthu momwe chuma chanu chingakhalire, palibe njira yodziwira ngati mwasankha nthawi yoyenera yopuma pantchito.
Zoona zake n’zakuti, simunganeneretu zimene zidzachitike m’tsogolo; simukudziwa ngati kukwera kwa mitengo kudzachepetsa malipiro anu a penshoni, kapena ngati ndalama zachipatala zidzakwera kwambiri, zomwe zikukupangitsani kukhala kosatheka kuti mukhale ndi ndalama zomwe mumapeza mukapuma pantchito.
Nkhani yabwino ndiyakuti mutha kuchepetsa zoopsazi popanga zisankho zanzeru msanga. Chifukwa chake kaya muli ndi zaka 20, 30, kapena zaka 50 mochedwa, nazi zonse zomwe muyenera kudziwa posankha nthawi yoyenera yopuma pantchito.
Kodi Zaka Zabwino Kwambiri Zopuma Ntchito Ndi Ziti?
Mwachikhalidwe, anthu ambiri amapuma pantchito ali ndi zaka 60.
Komabe, mutha kuganiza zopuma pantchito pafupifupi zaka 58 ngati muli mgulu laokha. Ngakhale zili choncho, ndiyo nthawi yochuluka yothera m'gulu la ogwira ntchito. N’zomvetsa chisoni kuti anthu ambiri amazindikira kuti akamafika zaka 60, amakhala atakhala kuti sangakwanitse kuchita chilichonse.
Ngakhale mutakhala ndi thanzi labwino bwanji, mukadzapuma pantchito mukafika zaka 60, mwina simungasangalale ndi moyo ngati mmene mukanakhalira mutapuma pa ntchito zaka khumi m’mbuyomo. Chifukwa cha izi, tikuwona chiwonjezeko chikukula pakupuma pantchito msanga.
Anthu ochulukirachulukira azindikira zolinga zawo zachuma ndipo atsimikiza kuti amapuma pantchito pofika zaka 40. Ngakhale kuti izi ndi zochititsa chidwi, sizingakhale zosankha kwa aliyense.
Ndipo sichoncho chiwerengero cha anthu onse opuma pantchito.
Kunena zowona, palibe nambala yamatsenga ikafika podziwa nthawi yomwe muyenera kupuma pantchito. M'malo mwake, muyenera kuyang'ana pakupanga kukhazikika cholinga chanu. Nthawi yoyenera yopuma pantchito ingakhale pamene muli ndi ndalama zokwanira kuti mupumule ndi kusangalala ndi moyo.
Muyeneranso kuganizira (molingana ndi kufunikira kwake) kuchuluka kwa ndalama zomwe mumapeza mwezi uliwonse, mtundu wa moyo womwe mukufuna, nthawi yomwe mwakhala mukugwira ntchito, ndi zaka zingati zomwe mudzagwire mukangopuma pantchito.
Njira Zodziwira Zaka Zoyenera Kupuma Pantchito
Pali zinthu zambiri zoganizira pankhani yosankha ngati mwakonzeka kupuma pantchito. Nawa maupangiri athu apamwamba kuti muganizire:
Dinani Kusindikiza Mwalamulo
Mwalamulo , olemba ntchito payekha ayenera kuonetsetsa kuti antchito awo akhazikitsidwa kuti apume pantchito pofika zaka 58. Komabe, ngati muli m'gulu la anthu, palibe nambala yokhazikitsidwa.
Muyenera kulumikizana ndi dipatimenti yanu ya HR kuti muwone zomwe mndandanda wawo ukuphatikiza. Ngati muli m'gulu labizinesi ndipo abwana anu alibe zaka zopuma pantchito, chinthu chabwino kuchita ndikuchoka mwachiyanjano.
Ganizirani za Cholinga cha Moyo Wanu
Chimodzi mwazifukwa zazikulu zomwe anthu amapuma pantchito msanga ndichifukwa asankha kutsatira "kuyitana" kapena maloto awo.
Angaganize zoyendayenda padziko lonse, kuyamba bizinesi, kapena kusamukira ku mzinda wina. Kaya maloto awo angakhale otani, adzafunika kukhala ndi ndalama zokwanira kuti malotowo akwaniritsidwe.
Ganizirani Zolinga Zanu Pantchito
Nthawi yabwino yopuma pantchito ndi pamene ntchito yanu yakupatsani ntchito yomwe mumakonda ndipo ingakupatseni ndalama zabwino. Ngati mwapeza ntchito imeneyi, ndiye kuti mwachita homuweki yanu.
Zikutanthauzanso kuti mutha kugwiritsa ntchito nthawi yanu yopuma pantchito kuchita zinthu zomwe zimakusangalatsani.
Komabe, ngati simunaipezebe ntchito imeneyi, nthawi yoyenera yopuma ingakhale pamene (mukuyembekeza) idzabwera mtsogolomu. Mulimonse momwe zingakhalire, ndi bwino kupeza ntchito kusiyana ndi kupuma popanda ntchito.
Chitetezo cha Chuma
Ngati mukuvutika kulipira ngongole kapena kupeza zofunika pamoyo, simuyenera kudikirira mpaka zaka zopuma pantchito. Ndi bwino kupuma msanga ndikugwira ntchito yaganyu ngati izi zikulolani kutero lipira ngongole zanu.
Kutengera zapano zachuma , kupuma pantchito sikungakhale njira yabwino kwa inu mpaka mtsogolo m'moyo. Ngati ndi choncho, yang'anani pakubweza ngongole zanu ndi kusunga ndalama kotero kuti ikadzafika nthawi, mukhale okonzeka.
Mitundu Yosiyanasiyana ya Ndalama Zopuma pantchito
Pali mitundu itatu ikuluikulu ya ndalama zopuma pantchito: penshoni, annuities, ndi ndalama. Pansipa, tikukufotokozerani m'mawu osavuta.
Pensheni
A penshioni ndi malipiro operekedwa ndi boma omwe mungayembekezere kulandira mukadzakwanitsa zaka zopuma pantchito. Ndiufulu wanu kutengera penshoni imeneyi mukakwaniritsa zomwe abwana anu akupatsani, ndipo zitha kutengera zaka zomwe munagwira ntchito kapena nthawi yayitali yomwe mudagwira ntchito.
Annuities
Izi zikufanana ndi penshoni chifukwa onsewa ndi njira zopezera ndalama zopuma pantchito. Komabe, pali kusiyana kumodzi kwakukulu - annuities zimachokera ku kuchuluka kwa ndalama zomwe muli nazo mu ndondomeko ya penshoni, pamene penshoni imachokera pa zaka zingati zomwe zinagwira ntchito.
Ndi makontrakitala a annuity, mutha kulandira malipiro pachaka kapena nthawi ndi nthawi.
Lingaliro la annuities pachaka ndikuti zimakhala zomveka mukafuna kulandira malipiro kamodzi pachaka mutatha zaka zanu zopuma pantchito. Komano, periodical annuities imachokera pa nthawi.
Annuities imakhalanso yotchuka pakati pa opuma pantchito chifukwa amapereka ndalama zokhazikika. Poganizira izi, anthu ambiri amasankha aganyali ndalama zawo mu makontrakitala annuity.
Kusungidwa
Akaunti yosungira kapena akaunti yakubanki ndi malo abwino oyambira ndalama zanu zopuma pantchito. Chinthu chabwino kwambiri pa akaunti yamtunduwu ndikuti mutha kupanga ndalama nthawi iliyonse yomwe mukufuna, mosiyana ndi annuity.
Mtsinje
Kaya mumapuma msanga kapena ayi, nthawi yoyenera yopuma imasiyanasiyana munthu ndi munthu.
Chofunika kwambiri ndikuwonetsetsa kuti muli okhazikika pazachuma. Mukakwaniritsa zofunikira ziwirizi, zili ndi inu kudziwa nthawi yoyenera kwa inu.
Zikomo powerenga! Ndikukhulupirira kuti mwapeza bukhuli kukhala lothandiza. Ngati muli ndi mafunso ambiri, chonde musazengereze kuwafikira!
Siyani Mumakonda