A ritaya shekaru a Amurka domin maza da mata: siffofin da kuma lissafi dokoki

Fensho amfanin a daya nau'i ko wata wanzu a mafi yawan jihohi. A raya ƙasashe, da fensho tsarin ne warai tunanin fitar, kai da bugu na tarihi ci gaba da kuma la'akari daban-daban fasali na, musamman, da tsawon rayuwar jama'a.

A ritaya shekaru a kasashe daban-daban

A rikodin ga longevity suna dauke su Japan, tare da abin da ake dangantawa da wani fairly high shekaru iyaka ga auka wa wani fensho - 65 years. Kuma babu bambanci dangane da jima'i - maza da mata ja da baya a wannan shekaru. A Turai, da ritaya shekaru dabam da yawa. Alal misali, a kasar Jamus, ya shi ne 65-67 shekaru, a Faransa - 60, Sweden - 61-67. Post-Soviet kasashen kafa ƙofofi suna da yawa fiye da ƙananan a Turai, saboda da rarrabe fasali na halin rayuwa. Alal misali, a Rasha da kuma Belarus mata iya ja da baya a 55 da kuma maza - a shekaru 60. Duk da haka, mafi kyau tunani-fita, Azancin na rasa da kuma masu biyayya ga jama'ar na Amurka dauke da fensho tsarin.

Features na lissafi na ja da baya shekaru a Amurka

A ritaya shekaru a Amurka dabam dangane da shekara haihuwa. Alal misali, {asar Amirka, waɗanda aka haifa a 1937 da kuma a baya, tafi a kan wani biki a shekaru 65. Waɗanda aka haife daga baya kuma sai 1955, ne m ja da baya a 66 shekaru. Kuma wanda aka haife shi a 60s na karni na ashirin, za a fara samun mai fensho daga shekaru 67. Wannan karuwa ne saboda da hanzari girma trims lifespan. Ya kamata a lura da cewa ritaya shekaru a Amurka ga maza da mata guda.

Yiwuwar farkon ritaya

Duk da haka, ya kamata a lura da cewa fensho tsarin a Amurka ne sosai m, don haka idan wani dan kasa na son ja da baya kafin kaddamarda lokaci, ya iya yi shi quite gaskiya bayan kai da shekaru 62 da shekaru.

A lokaci guda sami fensho a cika sani kawai, waɗanda Amirkawa, da matakin na shekara-shekara samun kudin shiga ba ya wuce da kafa dokar ta bar. In ba haka ba, da taimakon za a sanya, wadda za a iya lasafta bisa ga mulkin na cire daga fensho na hamsin aninai ga kowane dollar cewa za a sanã'anta a kan shigar plank.

The samun kudin shiga matakin na Amurka ritaya

Sharuddan na fensho tsarin a Amurka ne irin wannan cewa, bayan da-cancanta sauran, Amirkawa samun game da rabin ta albashi na tsawon aiki. A gaskiya, da talakawan fensho a Amurka dabam tsakanin 1100-1500 daloli wata daya. Hakika, akwai nau'i daga 'yan asalin wanda fensho mafi girma fiye da talakawan. Wadannan su ne malamai, kashe gobara, jami'an 'yan sanda da sauransu. Haka ma daban-daban a cikin size fensho na mazauna birane, inda misali na mai rai ne kullum ya fi na kasa talakawan. Saboda haka, shekara-shekara fensho biya, misali, a New York lissafi don fiye da dubu arba'in daloli a kowace} asa.

Akwai kuma kasa sashi fensho, sama da wani tsofaffi American kunshe a cikin shirin na zaman jama'a da kuma samun kudin shiga samu daga gwamnati kari isa m size. Alal misali, a bara da m m ya 733 daloli. Saboda haka, idan wani dan kasa yana da hakkin zuwa fensho karkashin fensho shirin a cikin adadin $ 400, sa'an nan jihar za ta biya ƙarin don shi 333 daloli a zaman jama'a kudin shiga. Sa'an nan yadda za a shirya software ingancin rayuwa ga tsofaffi, a ƙasar, shi halitta mai kyau hali na mutum ga irin wannan ra'ayi kamar yadda na yi ritaya shekaru. Ritaya a Amurka ne ba su gani ba kamar yadda ɗan adam goyon bayan da ya tsufa, sai dai a wani sabon zarafi, wani sabon mataki a cikin rayuwa.

Dama da kuma zabin ga yin amfani da fensho tanadi

Duk da haka, yin kusan sau biyu kasa idan aka kwatanta da lokacin da aiki, da wuya American ritaya zai yi duba haka farin ciki da kuma m. Babu shakka, da Amurka fensho shirin da ake kira Social Security a wannan rana ya kasance mafi m, a duniya. Duk da haka, da ingancin rayuwa da mazan Amirkawa aka hada da dama sauran embodiments da kuma na fensho tanadi zuba jari, wanda ake aiwatar da babban yawan daban-daban fensho da tsare-tsaren.

A peculiarity wannan irin fensho makircinsu a Amurka ta'allaka ne da cewa kowane wata kudin shiga na wani adadin canjawa wuri zuwa account na daya daga cikin fensho kudi, yayin da shi ne free of haraji, wanda muhimmanci shimfida ajiya damar. By ja da baya, a Bugu da kari ga jama'a yanayin da biyan bashin, da ma'aikaci sami albashi a cikin nau'i na ajali nasu kudi. Kuma ya iya fara amfani da su jima, samun kudi a cikin nau'i na rance daga kansa tanadi, a jinkirta zuwa nan gaba (ritaya) lokacin. Ya sa'an nan lasafta asusun (da, a gaskiya, ga kansa), duka biyu a kan wani al'ada aro. Sau da yawa Amirkawa na wadannan kudi saya dukiya, biya ga ilimi na yara, da sauransu.

A dalilan farkon ritaya

Mene ne ritaya shekaru a Amurka ne mafi fin so ga yawan? A cikin 'yan shekaru, a Trend zuwa farkon ritaya daga mazan Amirkawa. Duk da cewa kan kai da shekaru 62 da shekaru, suna da hakkin su cikakken fensho ba, kuma game da uku-bariki na da shi, da yawa quite sane dauki da ya dace yanke shawara. Mene ne ta haddasawa? A kowane hali, su ne daban-daban. Daga cikin farkon ritaya, wani ɓangare daga waɗanda suka rasa aikinsu a lokacin rikicin kudi da kuma yanzu ba zai iya samun shi ga haƙiƙa dalilai - ma'aikata ne m dauki mazan ma'aikata. A wannan yanayin, farkon ritaya ne mafi m labari.

Akwai daga cikin 'yan asalin wanda ya yanke shawarar a kan farkon ritaya, da kuma waɗanda suke sũ kawai gaji da aiki. Sau da yawa shi ne ma'aikata, wanda aikin ya kagaggun jiki, ko da kiyasta duration na kaya da shafi tunanin mutum hali. Sauran farkon ritaya - wadanda suka gudanar ya ajiye har isasshen kudi da kuma gan wani batu a kara aiki. Daga wani tattalin arziki da ra'ayi shi ne quite dace.

Saboda haka, fensho tsarin sassauci deprives da depressive bangaren shi ne ra'ayi kamar yadda ritaya shekaru a Amurka. Domin maza kamar yadda na mata, a wani fensho tanadi madauri shi ne mafi tasiri dauki farkon ritaya. Wannan ya sa ya yiwu a fara sosai bambancin da kuma ban sha'awa rayuwa a cikin shekaru baya, ba iyakance kansa a zabi na nisha.