Uhlelo lwempesheni i-cryptocurrencie coin iyimali yedijithali noma ebonakalayo esetshenziselwa ukukhokhela abahola impesheni izinzuzo. Lezi zinhlamvu zemali zivame ukwakhiwa njengendlela yokuqoqa imali yezikhwama zempesheni, futhi zingasetshenziselwa ukuthenga izimpahla nezinkonzo ezihlobene nezimpesheni.
Ithokheni yabasunguli bePension Plan (PP).
Abasunguli bohlamvu lwemali lwePension Plan (PP) bayiqembu labantu abanentshisekelo ethile empumelelweni yalolu hlelo. Abasunguli bahlanganisa osomabhizinisi abanolwazi, abezimali, nochwepheshe bezobuchwepheshe abanokuqonda okujulile kwemboni ye-blockchain kanye ne-cryptocurrency. Banikele ngesikhathi sabo kanye nezinsiza zabo ukuze bakhe uhlamvu lwemali lwempesheni oluyimpumelelo.
I-Bio yomsunguli
Ngingunjiniyela wezinhlelo zokusebenza futhi ngasungula uhlamvu lwemali Lohlelo Lwempesheni (PP) ukuze ngisize abantu bongele umhlalaphansi wabo. Sikholelwa ukuthi wonke umuntu kufanele abe nethuba lokuthatha umhlalaphansi ngokunethezeka, yingakho sizibophezele ekunikezeni abasebenzisi bethu umuzwa ongcono kakhulu ongakhona.
Kungani Uhlelo Lwempesheni (PP) Lubalulekile?
Ama-PP abalulekile ngoba ahlinzeka ngemali engenayo eqinisekisiwe ukusakaza kwasebethathe umhlalaphansi. Lokhu kubalulekile ngoba kuvumela asebethathe umhlalaphansi ukuthi baphile kamnandi lapho sebethatha umhlalaphansi ngaphandle kokukhathazeka ngemali abayitholayo. Ukwengeza, iminikelo ye-PP idonswa intela, okusho ukuthi imali elondolozwe ohlelweni lwempesheni iyimali yamahhala engase isetshenziselwe ukuxhasa ezinye izimali ezitshaliwe noma izindleko.
Okunye Okungcono Kakhulu Kuhlelo Lwempesheni (PP)
1. I-akhawunti yomuntu ngamunye yomhlalaphansi (IRA)
I-IRA yi-akhawunti yomhlalaphansi evumela abantu ukuthi bonge imali ngaphandle kwentela. Imali ingasetshenziselwa ukukhokhela izindleko zokuthatha umhlalaphansi, njenge-Social Security, noma ukutshala esitokisini, amabhondi, nezinye izibambiso.
2. 401(k) Hlela
Uhlelo lwe-401 (k) luwuhlobo lohlelo lokuthatha umhlalaphansi olunikezwa abaqashi abaningi. Abasebenzi ababamba iqhaza ohlelweni lwama-401 (k) bangonga imali engenayo intela futhi babe nokukhetha ukutshala imali ezitokisini, amabhondi, noma ezinye izibambiso.
3. 403(b) Hlela
Uhlelo lwe-403(b) wuhlobo lohlelo lokuthatha umhlalaphansi olunikezwa izinhlangano ezingenzi nzuzo nezinye izinkampani ezizimele. Izisebenzi ezibamba iqhaza ohlelweni 403(b) zingonga imali ngaphandle kwentela futhi zibe nenketho yokutshala imali ezitokweni, amabhondi, noma ezinye izibambiso.
Abatshalizimali
Abatshalizimali be-PP yilabo abatshala imali ohlelweni lwempesheni ukuze bathole izinkokhelo ngezikhathi ezithile ohlelweni. Lezi zinkokhelo zenziwa kungakhathaliseki ukuthi uhlelo lusasebenza noma cha.
Kungani utshala imali kuHlelo Lwezimpesheni (PP)
Uhlelo lwempesheni luyimoto yokutshala imali ehlinzeka iholo lomhlalaphansi kubasebenzi. Izinhlelo zempesheni zivame ukuxhaswa ngeminikelo yabasebenzi kanye nezinzuzo zokutshala izimali. Ubuhle bokutshala ohlelweni lwempesheni ukuthi imali iqinisekisiwe ukuthi izoba khona uma uyidinga.
Uhlelo lwempesheni (PP) Ubambiswano nobudlelwano
Ukusebenzisana kwe-PP kuyindlela edumile yokuthi amabhizinisi onge imali ezindlekweni zawo zempesheni. Ukubambisana kwe-PP kuvumela amabhizinisi ukuthi ahlanganise imali yawo yempesheni ndawonye bese etshala imali ngezindlela ezahlukene. Lokhu kuvumela amabhizinisi ukuthi athole imbuyiselo ephezulu emalini yawo, okungawasiza ukuthi onge imali eningi isiyonke.
Ukusebenzisana kwe-PP kungaba yindlela enhle yokuthi amabhizinisi onge imali ezindlekweni zawo zempesheni.
Izici ezinhle zePension Plan (PP)
1. I-PP ingakusiza ukuthi wonge imali yakho yomhlalaphansi.
2. I-PP ingahlinzeka ngomthombo ozinzile wemali engenayo lapho usuthatha umhlalaphansi.
3. I-PP ingakusiza ulondoloze indlela yakho yokuphila lapho usuthatha umhlalaphansi.
Indlela
Kunezindlela ezimbalwa ezahlukene zokwenza uhlelo lwempesheni. Indlela ejwayelekile ukuthi umqashi axhase uhlelo lwempesheni yabasebenzi bakhe. Lokhu kusho ukuthi umqashi uzofaka imali ohlelweni lwempesheni egameni labasebenzi bakhe. Abasebenzi bangasebenzisa le mali ukuze bathenge izinzuzo zomhlalaphansi ohlelweni lwempesheni.
Enye indlela yokwenza uhlelo lwempesheni ukuthi abasebenzi bafake imali ngokwabo. Lokhu kusho ukuthi abasebenzi kuzodingeka bonge imali nyanga zonke ukuze babe nemali eyanele eyongiwa ngesikhathi bethatha umhlalaphansi. Uma isigciniwe imali eyanele, abasebenzi bangasebenzisa le mali ukuthenga izinzuzo zomhlalaphansi ohlelweni lwempesheni.
Indlela yokugcina yokwenza uhlelo lwempesheni ukuthi umuntu atshale imali yakhe ohlelweni lwempesheni ngokwakhe. Lokhu kusho ukuthi esikhundleni sokuthi umqashi axhase uhlelo lwempesheni, nguyena ozobhekana nokufaka yonke imali kulo. Uma sekutshalwe imali eyanele, abantu bangasebenzisa le mali ukuthenga izinzuzo zomhlalaphansi ohlelweni lwempesheni.
Ungaqala kanjani ngoHlelo Lwempesheni (PP)
Isinyathelo sokuqala sokuqala uhlelo lwempesheni uku qoqa ulwazi. Uzodinga ukwazi okulandelayo:
-Isakhiwo sohlelo lwempesheni yenkampani
-Ingakanani imali egcinwe yinkampani ngesikhathi sokuthatha umhlalaphansi
-Ingakanani imali abasebenzi abayifaka empeshenini yabo
-Iminyaka yenkampani yokuthatha umhlalaphansi nokuthi kuzothatha isikhathi esingakanani ukufinyelela kuleyo minyaka
-Imihlomulo etholakala ngaphansi kohlelo lwempesheni
Ukunikezela Nokusabalalisa
Izinzuzo
Uhlelo lwempesheni wuhlobo lohlelo lokuthatha umhlalaphansi oluhlinzeka izinzuzo kubasebenzi asebethathe umhlalaphansi noma abashiye imisebenzi yabo. Izinzuzo zingabandakanya izinkokhelo ezenziwa njalo emsebenzini, kanye nethuba lokuthola isamba senkokhelo lapho ethatha umhlalaphansi. Izinhlelo zempesheni zivame ukuphathwa abaqashi, kodwa zingase ziphathwe yizinyunyana noma ezinye izinhlangano.
Imihlomulo ehlinzekwa ngohlelo lwempesheni incike ekutheni ingakanani imali efakwe wumsebenzi nokuthi unesikhathi esingakanani eqashwe nenkampani. Iminikelo eyenziwa yisisebenzi ngokuvamile ifaniswa nedola nedola yinkampani, okusho ukuthi isisebenzi nenkampani benza iminikelo elinganayo ohlelweni. Lokhu kusiza ukuqinisekisa ukuthi wonke umuntu obambe iqhaza ohlelweni lwempesheni uthola izinzuzo uma ethatha umhlalaphansi noma eshiya umsebenzi wakhe.
Ukusatshalaliswa kwemihlomulo yempesheni ngokujwayelekile kuncike ekutheni yimalini enikelwe wumsebenzi nokuthi unesikhathi esingakanani eqashwe nenkampani. Lokhu kusho ukuthi abathathe umhlalaphansi abasebenze isikhathi esifushane bazothola izinzuzo ezincane kunalabo asebesebenze isikhathi eside. Ukwengeza, abathathe umhlalaphansi abaye bathatha umhlalaphansi ngaphambi kwesikhathi bazothola imali encane kunalabo abaye bathatha umhlalaphansi kamuva emisebenzini yabo.
Uhlobo lobufakazi boHlelo Lwempesheni (PP)
Uhlobo lobufakazi bohlelo lwempesheni wuhlelo lwempesheni yenzuzo echaziwe.
I-Algorithm
I-algorithm yohlelo lwempesheni (PP) iwuhlelo lwezibalo ifomula ebala okudingekayo iminikelo kanye nezinzuzo zohlelo lwempesheni.
Ama-wallet amakhulu
Izikhwama ezinkulu ze-Pension Plan (PP) yi-Employer's Pension Fund (EPF), Central Provident Fund (CPF), kanye nePublic Provident Fund (PPF).
Okuyizimboni ezinkulu zePension Plan (PP).
Izingxoxo ezinkulu zePension Plan (PP) yiToronto Stock Exchange (TSX), New York Stock Exchange (NYSE), kanye neLondon Stock Exchange (LSE).
Uhlelo Lwempesheni (PP) Iwebhu kanye nezinkundla zokuxhumana
- kuwebhu
- i-subReddit
- I-Github
