Ukusebenza ukuba ububeka malini umhlala-phantsi akunakuze kube lula, ngakumbi njengoko kungenakwenzeka ukuba wazi ukuba uza kuhlala ixesha elingakanani.
Isibhengezo
Phantse isithathu sabasebenzi base-UK bathi abazi ukuba yintoni elungileyoipenshinipot, uphando lwamva nje olwenziwe liZiko leeActuaries ezifunyenweyo, ngesavage esinye kwabahlanu silindele ukuba ukonga umhlala phantsi okungaphantsi kwe- £ 100,000 kuya kwanela ukubagcina umhlala phantsi wonke. Ngapha koko, le mali inokwanela ukuthenga ipenshoni yonyaka nje nge- $ 2,825.
Umntwana oneminyaka engama-22 ubudala ngoku uza kufuna ukonga imali engange- £ 473,000 ukuze afumane umvuzo 'omodareyithayo' wonyaka we- £ 20,200, ucinga ukuba bayayeka ukusebenza beneminyaka engama-68 ubudala. Indlela yokuphila elungeleleneyo ichazwa njengomntu onika isidanga esongezelelweyo kukhuseleko lwezemali kunye nokuziqhelanisa nokuziqhelanisa neemeko eziguqukayo.
- Ukuchazwa kweNgxowa-mali yoMhlala-phantsi-ngaba kufanelekile? - Inkululeko yomhlala-phantsi ngaphezulu kweminyaka engama-55 ngoku ikunika ubhetyebhetye ngakumbi kunokuba ubucinga njalo.
Ufanele ukugcina imali engakanani?
IZiko leeActuaries libala ukuba kuya kufuneka ugcine imali engama- $ 799 ngenyanga ngexesha lokuphila kwakho ukuze ufezekise inqanaba eliphakathi lomhlala-phantsi. Oku kuphakama kukunkcenkceshela iliso nge-1,755 ngenyanga ukuba ufuna inqanaba elifanelekileyo lomvuzo womhlala-phantsi, othathelwa ingqalelo njenge- $ 33,000 ngonyaka.
Nangona kunjalo, iPenshini kaRhulumente kunye negalelo lobhaliso oluzenzekelayo kunokwenzeka ukuba lanele ukubonelela ngomvuzo womhlala phantsi we- $ 10,200 ngonyaka. Oku kuthathwa njengowona mgangatho usezantsi womvuzo xa uthatha umhlalaphantsi, kwaye kufanele ukuba wanele ukuba ukwazi ukuhlangabezana nokuphuma okuyimfuneko, okufana nokutya kunye neebhili zesevisi.
Akukaze kube kade ukuqala
Nangona ukonga imbiza yomhlala phantsi phantse isiqingatha sesigidi seepawundi ukufikelela kumgangatho wokuphila ophakathi kunokubonakala ngathi liphupha elingenakwenzeka kuninzi lwethu, nokuba ukubeka imali encinci inyanga nenyanga kungenza umahluko omkhulu kumvuzo wakho womhlalaphantsi.
Ngokusekwe kumndilili womvuzo wase-UK wama- £ 28,000, u-Aviva ubala ukuba umqeshwa oneminyaka engama-45 namhlanje engenamali yokonga ukuza kuthi ga ngoku angakha imbiza yepenshini ye- £ 56,100 ngexesha abafikelela kwiminyaka engama-65, ngokusekwe kubuncinci bomvuzo kunye nomrhumo womhlala-phantsi womqeshi. phantsi kobhaliso oluzenzekelayo kuphela.
ULindsey Rix, umlawuli olawulayo wokonga kunye nokuthatha umhlala phantsi eAviva uthe: Abasebenzi abaphakathi kobomi abachazwayo yimali abayigcinele ipenshini kufuneka bazame ukufumana umfanekiso ocacileyo wento abayigcinileyo ukuza kuthi ga ngoku nokuba ingakanani na ingeniso abanokuyifumana ngexesha lomhlala phantsi. Kwabanye, oku kunokuba yinto emangazayo, ngelixa abanye, inokuba yifowuni yokuvuka efunekayo ukubakhuthaza ukuba bathathe inyathelo.
Abantu abanempesheni abafuna ukonyuselwa akufuneki badimazeke, nangona kunjalo, kuba akukaze kube kudala ukugcina.
Ukunceda ukuqinisekisa ukuba abathengi banolwazi olungcono malunga nemali abayongela ipenshini, ukusukela ngoNovemba 2019, wonke umntu ongaphezulu kweminyaka engama-50 kwaye onemali ayongiweyo uya kufumana ipakethi 'Yokuvuka' kumnikezeli wakhe wepenshini, ebaxelela ukuba balondoloze malini, loluphi uhlobo Yengeniso enokuthi ivelise umhlalaphantsi, apho imali yabo ityalwe khona, kwaye bahlawula malini kwityala.
Le miqulu iyakuthunyelwa rhoqo emva kweminyaka emihlanu de abagcini mali baqale ukukhupha imali embizeni yabo yomhlala phantsi.
Isibhengezo- Ukuchazwa kweNgxowa-mali yoMhlala-phantsi-ngaba kufanelekile? - Inkululeko yomhlala-phantsi ngaphezulu kweminyaka engama-55 ngoku ikunika ubhetyebhetye ngakumbi kunokuba ubucinga njalo.