The mudyandigere zera muUnited States kuti varume nevakadzi; zvinhu uye kukarukureta mitemo

Mudyandigere chimiro mumwe kana mumwe zviripo dzakawanda inoti. In dzakabudirira, mudyandigere gadziriro anorwadziwa vakafunga kunze, atakure rupawo nhau kukura uye kufunga-siyana, kunyanya, paavhareji upenyu anotarisirwa.

The mudyandigere zera munyika dzakasiyana

Rekodhi hurefu vanoonekwa kuti Japanese, nako inobatanidzwa munhu kumbonyanya yakakwirira zera rinogumira kodzero kuti mudyandigere - makore 65. Uye hapana mutsauko kwakavakirwa pabonde - varume nevakadzi regera nenguva zera. MuEurope, kuti mudyandigere zera zvinosiyana zvikuru. Somuenzaniso, muGermany, ndiye makore 65-67, muFrance - 60, kuSweden - 61-67. Nyika Post-Soviet kuisa zvikumbaridzo vari kudzika zvikuru pane muEurope, nokuda nevamwe zviri zvinodiwa pakurarama. Somuenzaniso, muna Russia uye Belarus vakadzi vanogona regera pa 55 uye vanhu - mumakore 60. Zvisinei, kupfuura zvakanaka pfungwa, zvine musoro makateyiwa uye akavimbika kuna Vagari United States vaiona mudyandigere hurongwa.

Zvakakurukurwa dzemaitirwe kuti mudyandigere zera muUnited States

The mudyandigere zera muUnited States dzinosiyana-siyana zvichienderana gore aberekwa. Somuenzaniso, vokuAmerica vakazvarwa 1937 uye yapfuura, rambai zororo mumakore 65. Avo vakazvarwa kwapera uye kusvikira 1955, vakodzera kurega nemakore 66. Uye uyo akaberekwa ari 60s remakore rechimakumi maviri, vanogona kutanga kugamuchira mudyandigere kubva pamakore 67. kuwedzera uku imhaka kukura nokukurumidza Trims lifespan. Zvinofanira kucherechedzwa kuti mudyandigere zera muUnited States kuti varume nevakadzi zvakafanana.

Mukana wokukurumidza kurega basa

Zvisinei, zvinofanira kucherechedzwa kuti mudyandigere wemuTesitamende US riri kusanduka chaizvo, saka kana munhu mugari achida kurega pamberi akasarudzwa nguva, anogona kuzviita zvikuru zvakarurama pashure kusvika makore 62.

Panguva iyoyowo vanopiwa mudyandigere zvakazara chete vokuAmerica avo, padanho mari wepagore hakuiti kusapfuudza mutemo isingachinji kubhawa. Zvikasadaro, rubatsiro ichapiwa, izvo zvichaita kuti dzaona maererano nomurau yaanobhadhara kubva mudyandigere makumi mashanu masendi zvose dhora raizoparidzwa chichiwanikwa pamusoro yakaiswa nepuranga.

The mari pamwero US pamudyandigere

Terms of mudyandigere wemuTesitamende United States vari vakadaro kuti mushure zvakakodzera zororo, vekuAmerica vawane inenge hafu zvakaoma kwayo nokuda nguva basa. Kutaura zvazviri, avhareji mudyandigere muUnited States zvichisiyana pakati 1100-1500 zvamadhora mwedzi. Chokwadi, pane Mapato vemunyika vane mudyandigere kupfuura avhareji. Ava vadzidzisi, vemoto, mapurisa uye nevamwe. Uyewo zvakasiyana pakukura mudyandigere vagari maguta, apo mureza mupenyu ndiye kazhinji kupfuura National avhareji. Saka, gore negore mudyandigere kubhadhara, somuenzaniso, muNew York nhoroondo vanopfuura zviuru makumi mana zvamadhora por mugari.

Panewo pasi chikomboredzo mudyandigere, pamusoro apo American akwegura vanobatanidzwa purogiramu mumagariro uye mari kubva kuhurumende kwokunwa kusvika shoma kukura. Somuenzaniso, gore rapera inogamuchirika zvishoma akanga 733 emadhora. Saka, kana munhu mugari iri kodzero mudyandigere pasi penjeni iri uwandu $ 400, ipapo mamiriro Acharipa zvakawanda kwaari 333 madhora munzanga mari. Zvino sei kuronga Software unhu upenyu vemo mukuru munyika iyoyo, zvinoita kuti pave nemafungiro akanaka chaizvo mafungiro munhu akadaro pfungwa sezvo mudyandigere zera. Retirement muUnited States harioneki anotsigira munhu pakukwegura kwake, asi somunhu idzva mukana, mudariro itsva muupenyu.

Mikana uye nzira kushandisa mudyandigere nemari

Zvisinei, kutanga anenge kaviri zvishoma zvichienzaniswa nguva basa, paive pamudyandigere American angadai akatarisa chaizvo uye vasingakendengi. Hapana mubvunzo US mudyandigere chirongwa rinonzi Social Security kusvikira nhasi anoramba kupfuura musoro munyika. Zvisinei, kunaka kwoupenyu vakuru vokuAmerica rinoumbwa dzakasiyana-siyana nezvimwe embodiments uye mudyandigere mari Investments, ayo chinozoiswa ne vakawanda zvakasiyana mudyandigere zvirongwa.

The peculiarity pamusoro mhando iyi mudyandigere zvirongwa muUnited States iri pakuti pamwedzi mari imwe mari kune nhoroondo imwe mudyandigere mari, apo zviri pachena mutero, izvo yekudyidzana anowedzera kuchengetera nezvaanogona. By pamudyandigere, kuwedzera kune voruzhinji yezvakaita muripo, mushandi anotambira mari iri muchimiro ichinonoka pachake mari. Iye anogona kutanga kushandisa pavo nokukurumidza, kugamuchira mari iri muchimiro zvikwereti kubva vayo mari, akamirira ramangwana (mudyandigere) kumwedzi. Akabva nokuenzanisa mari (uye, chokwadi, iye), zvose pamusoro kwakajairika chikwereti. Kazhinji vokuAmerica mari idzi kutenga zvivako, kubhadhara dzidzo yevana, uye zvichingodaro.

Zvikonzero pamudyandigere

Ndeipi mudyandigere zera iri US zvinodiwa kuti vanhu? Mumakore achangopfuura, mumwe muitiro mutsva yapfuura mudyandigere pakati vakura vokuAmerica. Pasinei chokwadi kuti Paaizosvika makore 62, vanokodzera zvakazara mudyandigere haachipo, uye pamusoro-makota matatu, vakawanda zvikuru nokungwaririra kutora yakakodzera chisarudzo. Ndezvipi ayo chinokonzera? Muchiitiko chimwe nechimwe, zvakasiyana. Pakati mangwanani pamudyandigere, boka vaya vakarasikirwa nemabasa avo panguva dambudziko mwero uye ikozvino havagoni kuwana nokuda chinangwa zvikonzero - vashandirwi vachizengurira kutora vashandi vakura. Muchiitiko chino, pamudyandigere ndiyo nyore kuitika.

Pane pakati vagari uyo akasarudza pamudyandigere, uye vaya vari kungoti aneta basa. Kazhinji ndiwo vashandi, ane basa rakanga zvikurukuru mumuviri, kana inofungidzirwa ya mutoro hunhu chepfungwa. Mamwe mangwanani pamudyandigere - vaya vakakwanisa kuchengetera mari yakakwana uye vakaona pasina chikonzero mamwe basa. Kubva zvoupfumi nemaonero zviri zvikuru zvakakodzera.

Saka mudyandigere hurongwa mukana wokushandiswa kuwana mwoyo zvinoriumba ndiyo pfungwa sezvo mudyandigere zera muUnited States. Nokuti varume sezvo vakadzi, pane imwe mudyandigere mari Sungira zviri hubudirire kuenda pamudyandigere. Izvi zvinoita kuti vatange zvechokwadi yakasiyanasiyana uye zvinofadza upenyu mumakore ake, kwete vakaomerwa pachayo iri zvinovavaraidza.