The zaka zopuma pantchito ku United States kwa amuna ndi akazi: mbali ndi malamulo mawerengedwe

Penshioni phindu mu maonekedwe ena ndi ena kulibe limati kwambiri. M'mayiko otukuka, dongosolo penshioni kwambiri ndinaganiza, kunyamula amaonekera wa chitukuko m'mbiri komanso kuganizira zosiyanasiyana za, makamaka, ambiri amayembekeza kukhala ndi moyo.

The zaka zopuma pantchito m'mayiko osiyanasiyana

The umboni kwa moyo wautali amaonedwa kukhala Japanese, amene amagwirizana ndi mwachilungamo mkulu zaka malire ofunika ku penshioni - zaka 65. Ndipo palibe kusiyana udakhudzana - amuna ndi akazi adzipuma pa zaka zofanana. Ku Ulaya, m'badwo pantchito zimasiyanasiyana kwambiri. Mwachitsanzo, mu Germany, iye ndi zaka 65-67, mu France - 60, Sweden - 61-67. M'mayiko Post-Soviet anapereka pamakomo asapatsiridwe kwambiri kuposa ku Ulaya, chifukwa maonekedwe osiyana ndi a muyezo wa chikhalidwe. Mwachitsanzo, mu Russia ndi Belarus akazi adzipuma pa amuna 55 - zaka 60. Komabe, kwambiri bwino mozama ndiye ochirimika ndi wokhulupirika kwa anthu ambiri a United States ankaona dongosolo penshioni.

Features ya mawerengedwe a zaka zopuma pantchito mu United States

The zaka zopuma pantchito ku United States imasiyana malingana chaka cha kubadwa. Mwachitsanzo, ku America amene anabadwa mu 1937 ndi kale, pitani pa holide zaka 65. Amene anabadwa pambuyo mpaka 1955, afika kupuma mu zaka 66. Ndipo amene anabadwa mu 60s zaka mazana makumi awiri, mukhoza kuyamba kulandira ndalama za penshoni, kwa zaka 67. Umenewu ndi chifukwa kukula mofulumira trims utali wamoyo. Tikumbukenso kuti zaka zopuma pantchito ku United States kwa amuna ndi akazi mofanana.

Kuthekera kwa mwamsanga pantchito

Komabe, tisaiwale kuti dongosolo penshioni mu US ndi kusintha kwambiri, choncho ngati nzika akufuna kupuma patsogolo nthawi yoikidwiratu, iye angakhoze kuchitira izo M'pake akafika zaka 62.

Pa nthawi yomweyo kulandira penshioni mu utumiki okhawo America, mlingo wa ndalama pachaka si upambana lamulo maziko a mowa. Apo ayi, chithandizo cha nkhani, umene masamu malinga ndi ulamuliro wa deduction ku penshioni ya masenti makumi asanu iliyonse dola kuti adzakhala udachita pa thabwa anaika.

Mlingo ndalama anapuma US

Terms of dongosolo penshioni mu United States wotere kuti pambuyo choyenera zina, America kupeza pafupifupi theka zasungidwa ake kwa nthawi ntchito. Ndipotu penshioni ambiri ku United States zimasiyanasiyana pakati madola 1100-1500 mwezi. Kumene, pali magulu nzika amene penshioni kuposa pafupifupi. Awa ndi aphunzitsi, firefighters, apolisi ndi anthu ena. Ndi osiyana mu alendo kukula penshioni ya m'mizinda, kumene muyezo wa chikhalidwe zambiri kuposa pafupifupi dziko. Choncho, malipiro pachaka penshioni Mwachitsanzo, ku New York mlandu ndalama zoposa zikwi makumi anai pa nzika.

Palinso pansi bulaketi penshioni, pamwamba amene American wachikulire m'gulu dongosolo la ndalama chikhalidwe ndipo analandira kuchokera enaake boma kufika kukula osachepera. Mwachitsanzo, chaka chatha zovomerezeka osachepera anali madola 733. Choncho, ngati nzika ali oyenera kukhala penshioni pansi pa dongosolo la penshioni kuchuluka kwa $ 400, kenako boma adzalipira kwambiri kwa iye madola 333 chuma chikhalidwe. Nanga bungwe mapulogalamu khalidwe la moyo kwa anthu okalamba mu dziko limenelo, izo amalenga maganizo abwino kwambiri a munthu kuti mfundo monga m'badwo pantchito. Pantchito ku United States samaoneka ndi kuthandizira anthu mu ukalamba wake, koma monga mwayi watsopano, siteji watsopano mu moyo.

Mwayi ndi njira ntchito ndalama penshioni

Komabe, kukwatira pafupifupi kawiri zochepa kuyerekeza ndi nthawi ya ntchito, nkomwe anapuma American akanayang'ana wokondwa ndi osasamala. Mosakayikira, US penshioni pulogalamu amatchedwa Security Social lero akanali zomveka kwambiri mu dziko. Komabe, khalidwe la moyo la America akulu wapangidwa zosiyanasiyana embodiments zina ndi penshioni ndalama ndalama, amene akuyendera ndi ambiri mapulani osiyanasiyana penshioni.

The peculiarity wa mtundu uwu machenjerero penshioni mu United States kwagona kuti ndalama mwezi wa wina kuchuluka kunditumiza ku nkhani mmodzi wa ndalama penshioni, ngakhale kuti ndi ufulu wa msonkho, amene kwambiri zambiri mphamvu yosungirako. Ndi pantchito, kuwonjezera pa chikhalidwe anthu a malipirowo, wogwira ntchito amalandira ndalama mu mawonekedwe a mtsogolo ndalama zokha. Ndipo iye akhoza kuyamba ntchito mwamsanga, kulandira ndalama mu mawonekedwe a ngongole kwa ndalama zake, mtsogolo tsogolo (pantchito) nthawi. Iye ndiye kudziwa thumba (ndi Kunena zoona, yekha), onse pa ngongole ochiritsira. Nthawi zambiri America ndalama izi kugula malo, kulipira maphunziro a ana, ndi zina zotero.

Chifukwa mwamsanga pantchito

Kodi zaka zopuma pantchito mu US Ndi bwino kwambiri kwa anthu? M'zaka zaposachedwapa, khalidwe lomwe pantchito kale pakati America achikulire. Ngakhale kuti akafike zaka 62, iwo ali oyenera penshioni zonse si, ndi pafupi firii kotala ya izo, ambiri ndithu bwino kutenga lingaliro loyenera. ndi zimayambitsa chiyani? Pa mayesero onsewa, iwo ndi osiyana. Pakati pa anapuma oyambirira, gulu la anthu amene anachotsedwa ntchito pa mlingo mavuto ndipo tsopano sangapeze zimenezo pa zifukwa cholinga - mabwana zikuwavuta kutenga antchito achikulire. Pankhaniyi, mwamsanga pantchito ndi nkhani yabwino kwambiri.

Pali mwa nzika amene anaganiza mwamsanga pantchito, ndipo amene ali chabe ndatopa ntchito. Nthawi zambiri ndi antchito, ntchito yake anali makamaka thupi, kapena pafupifupi nthawi ya katundu khalidwe maganizo. Onse a anapuma oyambirira - amene anatha kupulumutsa ndalama zokwanira ndipo sanaone mfundo ntchito. Kuyambira mfundo chuma view n'koyenera ndithu.

Choncho, dongosolo penshioni kusinthasintha zimaphwanya mbali maganizo ndi mfundo ngati zaka zopuma pantchito ku United States. Pakuti anthu monga akazi, pa penshioni ena ndalama lamba ndi aluso kutenga mwamsanga pantchito. Izi zimathandiza kuti ayambe kwenikweni osiyanasiyana ndi chidwi moyo m'tsogolo, osati Kuchepetsa lokha kusankha zosangulutsa.